| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) XXXXnformation excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.
XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail Stop XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social Security # XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX Box XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX XXXX XXXX XXXXXXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXXXXXX XXXX IS SHARING MY PERSONAL INFORMATION WITHOUT MY CONSENT, THIS IS AGAINST THE LAW, THEY ARE ALSO PUTTING ME AT RISK FOR IDENTITY THEFT BY BREACHING MY INFORMATION.
( 815 ILCS 530/ ) Personal Information Protection Act. ( 815 ILCS 530/1 ) Sec. 1. Short title. This Act may be cited as the Personal Information Protection Act. ( Source : P.A. 94-36, eff. 1-1-06. ) ( 815 ILCS 530/5 ) Sec. 5. Definitions. In this Act : " Data collector '' may include, but is not limited to, govern
ment agencies, public and private universities, privately and publicly held corporations, financial institutions, retail operators, and any other entity that, for any purpose, handles, collects, disseminates, or otherwise deals with nonpublic personal information.
" Breach of the security of the system data '' or " breach '' means unauthorized acquisition of computerized data that compromises the security, confidentiality, or integrity of personal information maintained by the data collector. " Breach of the security of the system data '' does not include good faith acquisition of personal information by an employee or agent of the data collector for a legitimate purpose of the data collector, provided that the personal information is not used for a purpose unrelated to the data collector 's business or subject to further unauthorized disclosure.
" Health insurance information '' means an individual 's health insurance policy number or subscriber identification number, any unique identifier used by a health insurer to identify the individual, or any medical information in an individual 's health insurance application and claims history, including any appeals records.
" Medical information '' means any information regarding an individual 's medical history, mental or physical condition, or medical treatment or diagnosis by a healthcare professional, including such information provided to a website or mobile application.
" Personal information '' means either of the following :
( 1 ) An individual 's first name or first initial and last name in combination with any one or more of the following data elements, when either the name or the data elements are not encrypted or redacted or are encrypted or redacted but the keys to unencrypt or unredact or otherwise read the name or data elements have been acquired without authorization through the breach of security : ( A ) Social Security number. ( B ) Driver 's license number or Sta
te identification card number.
( C ) Account number or credit or debit card number, or an account number or credit card number in combination with any required security code, access code, or password that would permit access to an individual 's financial account. ( D ) Medical information. ( E ) Health insurance information. ( F ) Unique biometric data generated from measureme
nts or technical analysis of human body characteristics used by the owner or licensee to authenticate an individual, such as a fingerprint, retina or iris image, or other unique physical representation or digital representation of biometric data.
( 2 ) User name or email address, in combination with a password or security question and answer that would permit access to an online account, when either the user name or email address or password or security question and answer are not encrypted or redacted or are encrypted or redacted but the keys to unencrypt or unredact or otherwise read the data elements have been obtained through the breach of security.
" Personal information '' does not include publicly available information that is lawfully made available to the general public from federal, State, or local government records.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/10 ) Sec. 10. Notice of breach. ( a ) Any data collector that owns or licenses personal information concerning an Illinois resident shall notify the resident at no charge that there has been a breach of the security of the system data following discovery or notification of the breach. The disclosure notification shall be made in the most expedient time possible and without unreasonable delay, consistent with any measures necessary to determine the scope of the breach and restore the reasonable integrity, security, and confidentiality of the data system. The disclosure notification to an Illinois resident shall include, but need not be limited to, information as follows : ( 1 ) With respect to personal information as defined in Section 5 in paragraph ( 1 ) of the definition of " personal information '' : ( A ) the toll-free numbers and addresses for consumer reporting agencies ; ( B ) the toll-free number, address, and website address for the Federal Trade Commission ; and ( C ) a statement that the individual can obtain information from these sources about fraud alerts and security freezes. The notification shall not, however, include information concerning the number of Illinois residents affected by the breach. ( 2 ) With respect to personal information defined in Section 5 in paragraph ( 2 ) of the definition of " personal information '', notice may be provided in electronic or other form directing the Illinois resident whose personal information has been breached to promptly change his or her user name or password and security question or answer, as applicable, or to take other steps appropriate to protect all online accounts for which the resident uses the same user name or email address and password or security question and answer. ( b ) Any data collector that maintains or stores, but does not own or license, computerized data that includes personal information that the data collector does not own or license shall notify the owner or licensee of the information of any breach of the security of the data immediately following discovery, if the personal information was, or is reasonably believed to have been, acquired by an unauthorized person. In addition to providing such notification to the owner or licensee, the data collector shall cooperate with the owner or licensee in matters relating to the breach. That cooperation shall include, but need not be limited to, ( i ) informing the owner or licensee of the breach, including giving notice of the date or approximate date of the breach and the nature of the breach, and ( ii ) informing the owner or licensee of any steps the data collector has taken or plans to take relating to the breach. The data collector 's cooperation shall not, however, be deemed to require either the disclosure of confidential business information or trade secrets or the notification of an Illinois resident who may have been affected by the breach. ( b-5 ) The notification to an Illinois resident required by subsection ( a ) of this Section may be delayed if an appropriate law enforcement agency determines that notification will interfere with a criminal investigation and provides the data collector with a written request for the delay. However, the data collector must notify the Illinois resident as soon as notification will no longer interfere with the investigation. ( c ) For purposes of this Section, notice to consumers may be provided by one of the following methods : ( 1 ) written notice ; ( 2 ) electronic notice, if the notice provided is consistent with the provisions regarding electronic records and signatures for notices legally required to be in writing as set forth in Section 7001 of Title 15 of the United States Code ; or ( 3 ) substitute notice, if the data collector demonstrates that the cost of providing notice would exceed {$250000.00} or that the affected class of subject persons to be notified exceeds 500,000, or the data collector does not have sufficient contact information. Substitute notice shall consist of all of the following : ( i ) email notice if the data collector has an email address for the subject persons ; ( ii ) conspicuous posting of the notice on the data collector 's web site page if the data collector maintains one ; and ( iii ) notification to major statewide media or, if the breach impacts residents in one geographic area, to prominent local media in areas where affected individuals are likely to reside if such notice is reasonably calculated to give actual notice to persons whom notice is required.
( d ) Notwithstanding any other subsection in this Section, a data collector that maintains its own notification procedures as part of an information security policy for the treatment of personal information and is otherwise consistent with the timing requirements of this Act, shall be deemed in compliance with the notification requirements of this Section if the data collector notifies subject persons in accordance with its policies in the event of a breach of the security of the system data.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/12 ) Sec. 12. Notice of breach ; State agency.
( a ) Any State agency that collects personal information concerning an Illinois resident shall notify the resident at no charge that there has been a breach of the security of the system data or written material following discovery or notification of the breach. The disclosure notification shall be made in the most expedient time possible and without unreasonable delay, consistent with any measures necessary to determine the scope of the breach and restore the reasonable integrity, security, and confidentiality of the data system. The disclosure notification to an Illinois resident shall include, but need not be limited to information as follows
: ( 1 ) With respect to personal information defined in Section 5 in paragraph ( 1 ) of the definition of " personal information '' : ( i ) the toll-free numbers and addresses for consumer reporting agencies ; ( ii ) the toll-free number, address, and website address for the Federal Trade Commission ; and ( iii ) a statement that the individual can obtain information from these sources about fraud alerts and security freezes. ( 2 ) With respect to personal information as defined in Section 5 in paragraph ( 2 ) of the definition of " personal information '', notice may be provided in electronic or other form directing the Illinois resid
ent whose personal information has been breached to promptly change his or her user name or password and security question or answer, as applicable, or to take other steps appropriate to protect all online accounts for which the resident uses the same user name or email address and password or security question and answer.
The notification shall not, however, include information concerning the number of Illinois residents affected by the breach.
( a-5 ) The notification to an Illinois resident required by subsection ( a ) of this Section may be delayed if an appropriate law enforcement agency determines that notification will interfere with a criminal investigation and provides th
e State agency with a written request for the delay. However, the State agency must notify the Illinois resident as soon as notification will no longer interfere with the investigation. ( b ) For purposes of this Section, notice to residents may be provided by one of the following methods : ( 1 ) written notice ; ( 2 ) electronic notice, if the notice provided is consistent with the provisions regarding electronic records and signatures for notices legally required to be in writing as set forth in Section 7001 of Title 15 of the United States Code ; or ( 3 ) substitute notice, if the State agency demonstrates that the cost of providing notice would exceed {$250000.00} or that the affected class of subject persons to be notified exceeds 500,000, or the State agency does not have sufficient contact information. Substitute notice shall consist of all of the following : ( i ) email notice if the State agency has an email address for the subject persons ; ( ii ) conspicuous posting of the notice on the State agency 's web site page if the State agency maintains one ; and ( iii ) notification to major statewide media.
( c ) Notwithstanding subsection ( b ), a State agency that maintains its own notification procedures as part of an information security policy for the treatment of personal information and is otherwise consistent with the timing requirements of this Act shall be deemed in compliance with the notification requirements of this Section if the State agency notifies subject persons in accordance with its policies in the event of a breach of the security of the system data or written material.
( d ) If a State agency is required to notify more than 1,000 persons of a breach of security pursuant to this Section, the State agency shall also notify, without unreasonable delay, all consumer reporting agencies that compile and maintain files on consumers on a nationwide basis, as defined by 15 U.S.C. Section 1681a ( p ), of the timing, distribution, and content of the notices. Nothing in this subsection ( d ) shall be construed to require the State agency to provide to the consumer reporting agency the names or other personal identifying information of breach notice recipients. ( e ) Notice to Attorney General. Any State agency that suffers a single breach of the security of the data concerning the personal information of more than XXXX Illinois residents shall provide notice to the Attorney General of the breach, including : ( A ) The types of personal information compromised in the breach. ( B ) The number of Illinois residents affected by such incident at the time of notification. ( C ) Any steps the State agency has taken or plans to take relating to notification of the breach to consumers. ( D ) The date and timeframe of the breach, if known at the time notification is provided. Such notification must be made within 45 days of the State agency 's discovery of the security breach or when the State agency provides any notice to consumers required by this Section, whichever is sooner, unless the State agency has good cause for reasonable delay to determine the scope of the breach and restore the integrity, security, and confidentiality of the data system, or when law enforcement requests in writing to withhold disclosure of some or all of the information required in the notification under this Section. If the date or timeframe of the breach is unknown at the time the notice is sent to the Attorney General, the State agency shall send the Attorney General the date or timeframe of the breach as soon as possible.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/15 ) Sec. 15. Waiver. Any waiver of the provisions of this Act is contrary to public policy and is void and unenforceable.
( Source : P.A. 94-36, eff. 1-1-06. ) ( 815 ILCS 530/20 ) Sec. 20. Violation. A violation of this Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act. ( Source : P.A. 94-36, eff. 1-1-06. ) ( 815 ILCS 530/25 ) Sec. 25. Annual reporting. Any State agency that collects personal data and has had a breach of security of the system data or written material shall submit a report within 5 business days of the discovery or notification of the breach to the General Assembly listing the breaches and outlining any corrective measures that have been taken to prevent future breaches of the security of the system data or written material. Any State agency that has submitted a report under this Section shall submit an annual report listing all breaches of security of the system data or written materials and the corrective measures that have been taken to prevent future breaches.
( Source : P.A. 94-947, eff. 6-27-06. ) ( 815 ILCS 530/30 ) Sec. 30. Safe disposal of information. Any State agency that collects personal data that is no longer needed or stored at the agency shall dispose of the personal data or written material it has collected in such a manner as to ensure the security and confidentiality of the material.
( Source : P.A. 94-947, eff. 6-27-06. ) ( 815 ILCS 530/40 ) Sec. 40. Disposal of materials containing personal information ; Attorney General.
( a ) In this Section, " person '' means : a natural person ; a corporation, partnership, association, or other legal entity ; a unit of local government or any agency, department, division, bureau, board, commission, or committee thereof ; or the State of Illinois or any constitutional officer, agency, department, division, bureau, board, commission, or committee thereof.
( b ) A person must dispose of the materials containing personal information in a manner that renders the personal information unreadable, unusable, and undecipherable. Proper disposal methods include, but are not limited to, the following : ( 1 ) Paper documents containing personal information may be either redacted, burned, pulverized, or shredded so that personal information can not practicably be read or reconstructed. ( 2 ) Electronic media and other non-paper media containing personal information may be destroyed or erased so that personal information can not practicably be read or reconstructed.
( c ) Any person disposing of materials containing personal information may contract with a third party to dispose of such materials in accordance with this Section. Any third party that contracts with a person to dispose of materials containing personal information must implement and monitor compliance with policies and procedures that prohibit unauthorized access to or acquisition of or use of personal information during the collection, transportation, and disposal of materials containing personal information.
( d ) Any person, including but not limited to a third party referenced in subsection ( c ), who violates this Section is subject to a civil penalty of not more than {$100.00} for each individual with respect to whom personal information is disposed of in violation of this Section. A civil penalty may not, however, exceed {$50000.00} for each instance of improper disposal of materials containing personal information. The Attorney General may impose a civil penalty after notice to the person accused of violating this Section and an opportunity for that person to be heard in the matter. The Attorney General may file a civil action in the circuit court to recover any penalty imposed under this Section. ( e ) In addition to the authority to impose a civil penalty under subsection ( d ), the Attorney General may bring an action in the circuit court to remedy a violation of this Section, seeking any appropriate relief.
( f ) A financial institution under 15 U.S.C. 6801 et. seq. or any person subject to 15 U.S.C. 1681w is exempt from this Section.
( Source : P.A. 97-483, eff. 1-1-12. ) ( 815 ILCS 530/45 ) Sec. 45. Data security.
( a ) A data collector that owns or licenses, or maintains or stores but does not own or license, records that contain personal information concerning an Illinois resident shall implement and maintain reasonable security measures to protect those records from unauthorized access, acquisition, destruction, use, modification, or disclosure.
( b ) A contract for the disclosure of personal information concerning an Illinois resident that is maintained by a data collector must include a provision requiring the person to whom the information is disclosed to implement and maintain reasonable security measures to protect those records from unauthorized access, acquisition, destruction, use, modification, or disclosure.
( c ) If a state or federal law requires a data collector to provide greater protection to records that contain personal information concerning an Illinois resident that are maintained by the data collector and the data collector is in compliance with the provisions of that state or federal law, the data collector shall be deemed to be in compliance with the provisions of this Section.
( d ) A data collector that is subject to and in compliance with the standards established pursuant to Section 501 ( b ) of the Gramm-Leach-Bliley Act of 1999, 15 U.S.C. Section 6801, shall be deemed to be in compliance with the provisions of this Section.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/50 ) Sec. 50. Entities subject to the federal Health Insurance Portability and Accountability Act of 1996. Any covered entity or business associate that is subject to and in compliance with the privacy and security standards for the protection of electronic health information established pursuant to the federal Health Insurance Portability and Accountability Act of 1996 and the Health Information Technology for Economic and Clinical Health Act shall be deemed to be in compliance with the provisions of this Act, provided that any covered entity or business associate required to provide notification of a breach to the Secretary of Health and Human Services pursuant to the Health Information Technology for Economic and Clinical Health Act also provides such notification to the Attorney General within 5 business days of notifying the Secretary. ( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/900 ) Sec. 900. ( Amendatory provisions ; text omitted ).
( Source : P.A. 94-36, eff. 1-1-06 ; text omitted. )
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, MIDLAND FUNDING account is { {$610.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXXXXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( XXXX ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1978 XXXX XXXX XXXX, XXXX XXXX Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX Box XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act XXXX rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1981 XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the XXXX scoring models implemented with each major credit reporting agency ( XXXX ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1958 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 07/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This week I began receiving advertisements from attorneys in the mail. I never receive anything like that so I opened one of the letters from the attorneys seeking my business and found that Midland Credit Management INC. was suing me and it listed a case number for XXXX. This baffled me because why would strangers know I have a case and I wasnt even made aware I had a debt let alone a case!!???
I went onto the XXXX XXXX website and looked up the case number and there is a case filed from Midland Credit Management XXXX XXXX XXXX. ( Which I have included a copy of in this complaint ).
Then I went to my folder called INFORMED DELIVERY FROM USPS- this is a service that the UNITED STATES POSTAL SERVICE provides to residents. With INFORMED DELIVERY each piece of mail that you will receive that day is scanned and an email is sent to you every morning letting you know what will be in your mailbox for that day. I am a very thorough person and I ALWAYS keep records for a few years because of any mishaps. I also dont throw my mail away! I file my mail away and after 3 years or so I bag it up and take it to shred day here in Texas. With that being said I looked back in my informed delivery over the past year and saw that I HAVE NEVER EVER received any correspondence from Midland Credit Management INC.
Even I know it is against the Fair Debt Collection Practices Act and the Fair Credit Reporting Act to skip over steps in the process of debt collecting. I never received any type of communication from Midland Credit Management INC nor its affiliates. I know I dont owe this company any money because I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE A CONTRACT OR ANY TYPE OF AGREEMENT WITH THIS COMPANY! They have never provided me a service just like they never provided me a collection notice! I have no idea what they are collecting!
Be that as it may at XXXX CST I called Midland Credit Management INC at XXXX and spoke to a very, I means extremely rude representative. She asked me for my file number and I told her that I did not have a file number because I have never received anything in the mail so Im unable to provide her with a file number. I told her I have a case number or I can provide her my name and phone number. She said that she could not look me up by my name or address or case number and that I will need to provide her my social security number. I immediately told her Im not giving her my social security number because I dont know her. She then became rude, wouldnt allow me to speak and was telling me that I had to listen to her and that either I can give her my social security number or I can call the people the case is filed with - meaning the courts. I told her again I was not giving her my social then I asked her if she would give me her social and she hung up in my face. At XXXX CST I called back and got a man this time and he also wanted my social security number. I told him I was not giving him my social and how can you file a case against me if you dont have any of the proper information? How do you know if you even have the correct XXXX XXXX? The man then said he cant help me without my social security number if I have no file number and that I can call their Legal Collections Department and maybe they can help me. I asked for their number and he gave me XXXX.
I then call the Legal Collections Department at Midland Credit Management INC and spoke with a representative there by the name of XXXX XXXX. I advised XXXX XXXX that I have been receiving letters from Attorneys wanting to take a case that has been filed against me with this company but I have no idea what the case is about or who your company is. I said the only reason I found out was from advertisements from attorneys. I also made XXXX XXXX aware that Midland Credit Management INC has never communicated with me at all and that is illegal. XXXX XXXX asked me for my file number and I informed her that I did not have one because I never received anything from this company but I do have a case number I can provide her. I then provided her with the case number listed with XXXX XXXX XXXX as XXXX. XXXX XXXX said she could not find anything with that case number for a XXXX XXXX. She then asked my address and I told her XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX again said she could not fined me in the system and she asked me for my social security number and I told her I was not providing my social security number. XXXX XXXX basically told me she could not assist me. Both of these 2 phones calls were recorded according to the script given to me by the representatives and if hiring an attorney is necessary I will have him/her request those recorded phone conversations for court purposes. XXXX XXXX and I ended our conversation.
At XXXX I then called XXXX XXXX XXXX of Courts at XXXX and spoke with the clerk of courts there. When I provided her with my case number of XXXX she said yes there is a Debt Claim here from Midland Credit Management INC and she provide me the amount this company is trying to sue me for. I then asked the clerk when the court date is and she told me there is no court date as of yet. She said this company has hired a 3rd party to serve me. The clerk then asked if I have been served and I advised her that I have not been served this is all new to me. The county clerk then advised me that I have to be properly served before a court date can be set. I thanked the clerk and ended the phone call.
then decided to do some research on this company Midland Credit Management XXXXNC. and found that this company buys peoples debts for XXXX cents on the dollar and then sues people for a debt they decided to purchase. In doing this practice the President of Midland Credit Management INC. XXXX XXXX XXXX XXXX made {$880000.00} in salary and bonus for the year!
Upon further research I have learned that this is the process for Midland Credit Management INC. They do not send out letters to the alleged debtors informing them that they owe a debt and in doing that they dont allow the person they claim has a debt the opportunity to respond and say hey I need to validate this debt please send me proof of validation. Instead Midland Credit Management INC. goes straight to filing a court case against a person of whom debt they purchased with the hopes of the defendant not showing up in court so that Midland Credit Management INC. automatically gets a default judgment. NOW THAT IS NOT ONLY ETHICALLY WRONG - ITS AGAINST THE LAW AND CONSTITUTES A LEVEL OF FRAUD AGAINST THE ACCUSED.
This is what Midland Credit Management INC. does : Most of the time, when someone is sued by Midland Credit Management INC. that person fails to defend the case or show up in court.
With no opposition to the lawsuit, the judge grants a judgment in XXXX favor. Once that judgment is issued, XXXX can collect through wage garnishment, bank account levy, and other tactics.
Midland Credit Management INC. has been sued and had to pay out multiple multimillion dollar settlements for their illegal practices and here is the list so far : XXXX. XXXX when the Consumer Financial Protection Bureau ( CFPB ) sued XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for running afoul of debt collection laws. The companies agreed to pay a combined {$79.00} XXXX for violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures.
WHICH MIDLAND CREDIT MANAGEMENT INC. Has now done to me! I have received nothing from them at all! I had to receive letters from attorneys and Midland Credit Management INC has my correct address!
2. Also in XXXX this same company the company was sued by XXXX states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. XXXX paid a {$6.00} XXXX settlement to resolve that lawsuit.
3. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX XXXX XXXX that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
These actions are in addition to the hundreds of lawsuits filed by individuals against XXXX and XXXX for violating their rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and various state consumer protection laws.
So with all of this I am here to state the following to Midland Credit Management INC. through THE CONSUMER FINANCIAL PROTECTION BREAU : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This letter is regarding Midland Credit Management INC Court Case Number : XXXX and Im providing the court case number due to the fact that this company never sent me anything in the mail or any form of communication so all I have is a case number, which you claim I owe {$4800.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midland Credit Management INC. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. PLEASE NOTE : I ALSO HAVE 2 POLICE REPORTS ON FILE WITH ALL 3 CREDIT BREAUS SHOWNG MY IDENTITY WAS STOLEN BOTH IN 2008 AND IN 2014 WHEN MY PURSE WAS STOLEN. SO WHAT YOU ARE DOING AND ACCUSING ME OF IS FRAUDULENT!!! I HAVE ALL MY DUCKS IN A ROW AND IM FULLY PREPARED TO FIGHT THIS HEAD ON AND THEN SUE YOU AFTERWARDS. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt with ALL of the requested information will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor and if not paid that I then had to pay Midland Credit Management INC. 3 . Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off, write off or delinquency. 10. Verification that this debt was assigned or sold to Midland Credit Management INC. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for Midland Credit Management INC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Midland Credit Management INC. I have included copies of my INFORMED DELIVERY FROM USPS SHOWING I SEE MY MAIL BEFORE IT IS PLACED IN MY MAILBOX DAILY AS WELL AS COPY OF THE COURT FILING. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; Makes a false representation of the character of the herein above-referenced alleged debt ; Makes a false representation of the legal status of the herein above-referenced alleged debt ; Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : Voluntarily report this account to all credit bureaus as paid as agreed ; and, Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, The matter regarding the alleged debt is finally and totally settled ; and, Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$8200.00} ) which equals ( {$24000.00} ) ; and, XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, ORIGINAL CREDITOR, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
Alleged Name and Address of Creditor Name on File of Alleged Debtor : Alleged Account # : Amount of alleged debt : Date that this alleged debt became/becomes payable : Date of original charge off or delinquency : Amount paid if debt was purchased : Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Provide verification from the stated creditor that you are authorized to act for them.
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX MI XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IOWA XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED. PLEASE KNOW THAT IF THIS MATTER IS NOT CORRECTED I WILL BE FORCED TO SEEK LEGAL REPRESENTATION.
*** This is notice that your claim is disputed and denied.I refuse to pay you any monies, please return this account to the original creditor. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX ACCOUNT TYPE, ACCOUNT STATUS, PAYMENT HISTORY SHOULD BE BLANK FILLED, NO NUMERICAL DATA SHOULD BE LEFT BLANK FILLED IT SHOULD BE XXXX FILLED. COMPANY FAILED TO REPORT BALANCE AND DATE OF LAST PAYMENT. PLEASE DELETE The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
XXXX. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.THIS IS MY THIRD AND FINAL REQUEST BEFORE SEEKING LEGAL ASSISTANCE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXXWhat is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED.
*** This is notice that your claim is disputed and denied. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX Please reinvestigate this account. This account seems to be reporting with several errors and discrepancies with your company as well as among the other bureaus. Please permanently delete this account from my credit report as it is reporting with the following errors : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Type Open Installment Open Type Detail IndividualCollectionServicesFactoringCompanyAccount IndividualCollectionServicesFactoringCompanyAccount IndividualFinanceFactoringCompanyAccount Account Status Open Closed Open The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
6. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXXWhat is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX ) *** This is notice that your claim is disputed and denied. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX Please reinvestigate this account. This account seems to be reporting with several errors and discrepancies with your company as well as among the other bureaus. Please permanently delete this account from my credit report as it is reporting with the following errors : ACCOUNT TYPE, ACCOUNT STATUS, PAST DUE, PAYMENT HISTORY The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
6. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXXWhat is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association
|
| 11/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I herein do file this complaint with your office against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Attorneys for the XXXX XXXX XXXX ). I seek for your help to dismiss all the herein described illegal charges.
Grounds of Complaint FRAUDULENT ACTIVITY FALSE AND MISLEADING REPRESENTATIONS UNFAIR PRACTICES FAILURE AND REFUSAL TO VALIDATE THE DEBT UPON THE REQUEST FALSIFICATION OF THE DOCUMENTS VIOLATIONS OF FEDERAL DEBT COLLECTION LAWS _____________________________________________________________________ STATEMENT 1. I was a customer for XXXX XXXX XXXX for a few years. Because of change in the interest rate I made my decision to close the credit card with them and mailed the last final payment in order to clear outstanding balance. I did not receive any following notices from XXXX XXXX XXXX, that made me to believe that I do not owe them any money, and my balance is {$0.00}.
2. On XX/XX/XXXX, XXXX XXXX XXXX, filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX XXXXXXXX XXXX and demanding {$960.00}, and obtained a judgment against me in total amount of {$1200.00} on XX/XX/XXXX.
XXXX XXXX presented identical Affidavits of its employees XXXX XXXX and XXXX XXXX.
XXXX XXXX in her affidavit is claiming that my account had been purchased by XXXX XXXX XXXX XXXX, XXXX on from XXXXXXXX XXXX XXXX XXXXXXXX. XXXX, and then my account was purchased by XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX.
In the other hand XXXX XXXX in her affidavit is claiming the following ; I. XXXX XXXX XXXX XXXXXXXX. account is XXXX ( *she presented false account ), II. As of XXXX the account balance is {$980.00} ( *she presented false amount ), III. Loan was charged off on XXXX ( *she presented false date ).
In addition, XXXX XXXX presented the following ; I. AFFIDAVIT OF BULK SALE OF ACCOUNTS stating that XXXX XXXX XXXX XXXX XXXX sold a pool of accounts to XXXX XXXX XXXX on XX/XX/XXXX, XXXX. ASSIGNMENT AND BILL OF SALE dated XX/XX/XXXX, XXXX. AFFIDAVIT OF BULK SALE OF ACCOUNTS stating that on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX. sold a pool of accounts to XXXX XXXX XXXX XXXX, XXXX.
I placed the request with them in to provide me with the following ; I. Copy of Contract with Loan Originator Verification of the debt, II. Proof of the ownership of the debt, III. Copy of the agreement with the initial lender/loan originator, IV. Itemized bill.
However, XXXX XXXX, XXXX FAILED TO RESPOND to my request for verification of the debt and documentation concerning the amount and ownership of the debt, nor the agreement with the lender/loan originator.
IMPORTANT : At no time did I purposely default in this case, and my XXXX XXXX is based on the following annexed Exhibit showing a copy of a printout I obtained of my XXXX Customer Information File of my credit card account, dated XX/XX/XXXX, bearing Stamp from XXXXXXXX XXXX XXXXXXXX ( not XXXXXXXX XXXX XXXX XXXXXXXX. ) showing the following : I. My name and address and my social security number, II. My Official Account Number with XXXX XXXX XXXX, XXXX ( date ) : XX/XX/XXXX, III. Balance : XXXX, IV. Information : Charge off. That document explains that on XX/XX/XXXX, for the sum of {$330.00}, the account was Charged Off, which is CONTRARY to the Midland 's Complaint filed on XX/XX/XXXX, and dated XX/XX/XXXX claiming the sum {$980.00}, and claiming my Credit account was originally owned by XXXXXXXX XXXX XXXX XXXX.
All the Claims in the Affidavits presented by XXXX XXXX XXXX are false and inconsistent. Such misrepresentations to the Court clearly show Midland and its XXXX XXXX XXXX XXXX 's recurring deceptive acts and practices while engaging in debt collections of New York Consumers, causing harm and violations of consumer protection laws.
4. XXXX XXXX XXXX was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XX/XX/XXXX, to company where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00}.
5. I did file for order to show cause to vacate the default judgment entered against me. However, the order vas denied on XX/XX/XXXX by XXXX XXXX, Judge of the Civil Court, who was negligent and inconsiderate regarding all true facts I brought to his attention. Mr. XXXX XXXX made his decision not based on any true facts I tried to present. His decision was based on the fact that I missed previous hearing. The reason why I did miss hearing was because I did not receive postcard from the Court.
Since that day XX/XX/XXXX XXXX XXXX XXXX having default judgment against me did not take any farther actions. However, on XX/XX/XXXX I received in a mail copies of Court document I hereby attach for your review. I believe they intentionally never took any farther actions for more that 2 years until now, in order to accrue additional interest on the amount claimed by them.
_____________________________________________________________________ *IMPORTANT : XXXX XXXX XXXX XXXX operates under a variety of names including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. All of the XXXXXXXX XXXX XXXX XXXXXXXX companies are owned by Encore Capital Group , Inc. , a public company traded on the XXXX : under symbol XXXX.
XXXX XXXX, XXXX and its affiliates regularly make debt collection phone calls from ( XXXX ) XXXX and ( XXXX ) XXXX and are located at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX and its affiliates are accused violators of federal debt collection laws known as the Fair Debt Collection Practices Act ( FDCPA ) and are sued regularly by consumers for these violations.
The FDCPA is a federal law that regulates the collection of consumer debts. It precludes third party debt collectors from using false, misleading, deceptive and harassing debt collection tactics.
807 False or misleading representations [ 15 USC 1962e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
808. Unfair practices [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
809. Validation of debts [ 15 USC 1692g ] 5 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
814. Administrative enforcement [ 15 USC 1692l ] ( a ) Compliance with this title shall be enforced by the Federal Trade Commission, except to the extend that enforcement is specifically committed to another agency _____________________________________________________________________ *IMPORTANT : Under the language of GBL 349 ( a ), " deceptive acts and practices '' in the conduct of any business, trade, or commerce " are hereby declared unlawful. '' In addition to granting the NY Attorney General the authority to seek injunctions and to pursue claims for restitution, see GBL 349 ( b ), the statute grants a " right of action '' to " a person who has been injured by reason of any violation of this section. '' GBL 349 ( h ).
As a threshold matter, a party claiming the benefit of GBL 349 " must charge conduct that is consumer oriented.
GBL 349 " prohibits deceptive and misleading business practices and its scope is broad indeed. '' XXXX v XXXX XXXX. XXXX, XXXX XXXX at XXXX. The statute, on its face, [ *7 ] applies to " virtually all economic activity, '' providing the courts with the authority to " cope with the numerous, ever-changing types of false and deceptive business practices which plague NY consumers.
XXXX XXXX XXXX 's violation of GBL 349 is through wrongful acts and omissions including the following deceptive acts and practices : 1. bringing a cause of action against the defendant pursuant to a retail installment credit agreement without having in its possession admissible proof of any agreement ; 2. bringing an account stated claim against the defendant without having in itspossession admissible proof and/or any personal knowledge that any accountstatements were mailed to or received by the defendant ; 3. attempting to collect on an assigned account when the defendant had not beennotified of any assignment ; 4. commencing a lawsuit for an allegedly assigned debt without a validassignment actually having taken place ; 5. attempting to collect amounts allegedly due without any indication how theamounts were calculated ; 6. attempting to collect amounts, including contractual interest, withoutadmissible proof of legal authority to collect the same ; Such deceptive acts and practices by the plaintiff happen while engaging in a debt collection business " directed at consumers. '' Its activities " are part of a recurring practice '' of using a " business model '' that has a tendency to " deceive and mislead '' a significant percentage of New York consumers.
Finally, while the statute does not require proof of justifiable reliance, a party seeking compensatory damages must allege that the deceptive acts and practices at issue " caused actual, although not necessarily pecuniary, harm. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX at XXXX ; accord, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX at XXXX. A party adequately pleads a claim for damages under GBL 349 by alleging the retention of an attorney as a result of opponent 's offending conduct. XXXX v XXXX XXXX. XXXX, XXXX. If successful, the party may recover " actual damages in any amount, '' together with treble damages, punitive damages, and attorney 's fees. XXXX v XXXX XXXX. XXXX, XXXX XXXX at XXXX.
As explicitly provided in GBL 349 ( g ), the statute applies to " all deceptive acts and practices, whether or not subject to any other law of this state. '' HOWEVER, Midland 's conduct in my case may also violate other laws which authorize other remedies, see, e.g., the FDCPA ( 15 USC 1692e ), Judiciary Law 487, and Rule 130 ( 22 NYCRR 130-1.1, 130-1.1-a )
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to 15 USC 1681 ( A ) ( E ) the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mold of living, is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer 15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy.
15 USC 1611 criminal liability for willful and knowing violation.
whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under.
15 USC 1682 ( B ) In general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates, and I gave no one my written permission to write anything on my consumer report.
15 USC 1681 I procedure in case of disputed accuracy ( 2 ) prompt notice of dispute to furnisher of information Before the expiration of the five-business days. Beginning on the date on which a consumer reported agency receives notice of a dispute from any consumer or reseller in accordance with paragraph one the agency shall provide notification of the dispute to any person who provided any item of information and dispute had the address and, in the manner, established with the person the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller ( A ) If after any reinvestigation under paragraph one of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modified it item of information as appropriate based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer I feel that I have been violated of my rights and that each consumer reporting agency has to notify each other of the inaccuracy per the F DCPA and I feel that you guys are not communicating with each other as in closed are all of the inaccuracies that I asked you to investigate on my behalf and I gave no one permission to write any of this on my credit report which is against the law product FCRN and FD CPA my rights are being violated and I asked that you fix these inaccuracies as this is my second attempt to show you that these inaccuracy are across all three credit bureaus I'm just a regular person who knows and understands the laws and my rights as a consumer I have a right to privacy I have a right to have everything reported on my credit report 100 % accurate per the fair credit reporting act written by Congress and I ask that you please remove all and I mean every single inaccuracy and delete them he immediately before the point of litigation and I asked that you every single inaccuracy off of all three credit reports as you are bound by law to cooperate with the consumer and talk to each other XXXX XXXX and XXXX so that you can delete all of the inaccuracies on my credit report I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of XXXX called XXXX XXXX do hereby solemnly declare say and state XXXX secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED.
PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit.
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) SRM Is in violation of XXXX XXXX XXXX ( C ) ( A ) a debt collector XXXX not communicate with a consumer in connection with the collection of any debt.
FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector XXXX not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.
IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS SOURSE RECIEVIBLES MANAGEMENT AND ITS AFILIATES HAVE SENT ME XXXX LETTERS WITH DIFFERENT AFFILIATES NAMES SUCH AS RESURGENT, XXXX XXXX, MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX THIS IS ABUSE IN ITS FULLIST EXTENT I HAVE NO CONTRACT WITH ANY OF THE COMPANIES LISTED ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.
Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.
abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy.
communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem.
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications.
And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my XXXX written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at source receivables management are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have XXXX business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those XXXX business days I expect to receive all the documentation regarding this account which is clearly not mine XXXX is clearly in violation and this is a crime that the are committing they need to be held liable under the law 15 USC 1681 n CIVIL LAIBLILTY clearly states ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
XXXX XXXX DISREGARDED ALL OF MY MAILED AFFIDAVITTS TO IT AND ITS AFFILIATES AND INSO DOING HAS VIOLATED THE LAWS THAT GOUVERN THE DEPT COLLECTION AGENCIES in all the evidence i have sent you concerning this matter XXXX should pay for all of the violations listed above A debt collector in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person.
|
| 09/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
According to 15 USC 1681 ( A ) ( E ) the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mold of living, is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer 15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy. 15 USC 1611 criminal liability for willful and knowing violation. whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under. 15 USC 1682 ( B ) In general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates, and I gave no one my written permission to write anything on my consumer report. 15 USC 1681 I procedure in case of disputed accuracy ( 2 ) prompt notice of dispute to furnisher of information Before the expiration of the five-business days. Beginning on the date on which a consumer reported agency receives notice of a dispute from any consumer or reseller in accordance with paragraph one the agency shall provide notification of the dispute to any person who provided any item of information and dispute had the address and, in the manner, established with the person the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller ( A ) If after any reinvestigation under paragraph XXXX of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modified it item of information as appropriate based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer I feel that I have been violated of my rights and that each consumer reporting agency has to notify each other of the inaccuracy per the XXXX XXXX and I feel that you guys are not communicating with each other as in closed are all of the inaccuracies that I asked you to investigate on my behalf and I gave no one permission to write any of this on my credit report which is against the law product XXXX and FD CPA my rights are being violated and I asked that you fix these inaccuracies as this is my second attempt to show you that these inaccuracy are across all three credit bureaus I'm just a regular person who knows and understands the laws and my rights as a consumer I have a right to privacy I have a right to have everything reported on my credit report 100 % accurate per the fair credit reporting act written by XXXX and I ask that you please remove all and I mean every single inaccuracy and delete them he immediately before XXXX XXXX of litigation and I asked that you every single inaccuracy off of all three credit reports as you are bound by law to cooperate with the consumer and talk to each other XXXX XXXX and XXXX so that you can delete all of the inaccuracies on my credit report I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of XXXX called XXXX XXXX do hereby solemnly declare say and state XXXX secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED. PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit. FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) SRM Is in violation of XXXX XXXX XXXX ( C ) ( A ) a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX is in violation of XXXX XXXX XXXX ( B ) ( XXXX ) AND ( B ) ( XXXX ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR XXXX XXXX XXXX D ( XXXX ) A debt collector XXXX not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS SOURSE RECIEVIBLES MANAGEMENT AND ITS AFILIATES HAVE SENT ME XXXX LETTERS WITH DIFFERENT AFFILIATES NAMES SUCH AS XXXX XXXX XXXX, MIDLAND CREDIT XXXX, XXXX XXXX XXXX XXXX THIS IS ABUSE IN ITS XXXX EXTENT I HAVE NO CONTRACT WITH ANY OF THE COMPANIES LISTED ( XXXX ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader XXXX XXXX XXXX XXXX Section ( XXXX ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( XXXX ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. XXXX XXXX XXXX C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector XXXX not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt XXXX abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my XXXX written permission to contact the credit bureaus about this account under the FCRA XXXX XXXX XXXX A ( XXXX ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY XXXX XXXX XXXX A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. XXXX are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they XXXX legally contact a third party is to attempt to locate the individual who owns the payment they XXXX also not contact repeatedly or harass these third parties you guys at source XXXX XXXX are in clear violation of my rights as a consumer I gave no written instruction XXXX you guys to write anything on my credit report therefore you have XXXX business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those XXXX business days I expect to receive all the documentation regarding this account which is clearly not mine XXXX is clearly in violation and this is a crime that the are committing they need to be held liable under the law XXXX XXXX XXXX XXXX CIVIL LAIBLILTY clearly states ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. XXXX XXXX DISREGARDED ALL OF MY MAILED AFFIDAVITTS TO IT AND ITS AFFILIATES AND INSO DOING HAS VIOLATED THE LAWS THAT GOUVERN THE DEPT COLLECTION AGENCIES in all the evidence i have sent you concerning this matter XXXX should pay for all of the violations listed above A debt collector in collecting a debt, XXXX not harass, oppress, or abuse any person. Specifically, a debt collector XXXX not : Use or threaten to use XXXX or other criminal means to harm the physical person, reputation, or property of any person.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Be advised that your debt claim is XXXXISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to a debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : XXXX XXXX XXXX XXXX XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor. 8. Discovery of Evidence Discovery of Any Jud
gments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor. 10. Discovery of Evidence Discovery of address on file for alleged debtor. 11. Discovery of Evidence Discovery of alleged account number. 12. Discovery of Evidence Discovery of amount of alleged debt. 13. Discovery of Evidence Disco
very of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal actio
n becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit report by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX
|
| 05/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX I received an email ( XXXX ) that my XXXX Thank you preferred credit card acct XXXX XXXXXXXX was activated. I called XXXX to report that I did not request a new card, I did not receive the card and I did not activate this card. The customer service representative said he will freeze the account and not to worry. Later, I also received another email that my XXXX XXXX credit card acct XXXX XXXXXXXX was activated-called XXXX to report that I did not request a new card, I did not receive a card and I did not activate this card and requested that both accounts be taken care of so I wont be responsible for any charges from XX/XX/XXXX. I received an email of fraud alert-called XXXX and filed a fraud alert on both accounts. Received an email of a {$50.00} transaction-notified XXXX that I did not make that transaction and that I will not be responsible for any transactions going forward because I reported a fraud on both accounts. Received email of travel notice for XXXX with ref # XXXX-notified XXXX that I did not make any travel plans. Receive email of a {$120.00} transaction-called XXXX to find out why transactions are still being made after making a fraud report and was told that my accounts were frozen and being investigated. Received email of a {$120.00} transaction-notified XXXX which they assured that these charges will not go thru. Received email of a {$77.00} transaction-notified XXXX of these fraudulent activities. XX/XX/XXXX Received email of a {$200.00} transaction and an email of travel notice for XXXX ref XXXX XXXXXXXX-called XXXX to report that I did not make this transaction and do not have any travel plans. Received email that my personal email was changed to XXXX and changed my last name to XXXXcalled XXXX to make another report that I did not change my email or last name and to find out why my accounts were not frozen and canceled and why are these things still happening. XX/XX/XXXX A payment of {$3500.00} was made-notified XXXX that I did not make a payment or used my credit card in XXXX years. I noticed XXXX payments pending in my checking account made to XXXXI called my bank and put a stop payment. I called XXXX to find out what was going on, no one could tell me anything except that my information did not match what was on their computer system. I told them apparently when the fraudulent person who changed my email and last name, they changed all my information except my bank account information and social security number. I talked to the fraud/identity theft dept and assured me that everything will be taken care of. XX/XX/XXXX Received email that another credit card was mailed but not to my address and was under the name XXXX XXXXcalled XXXX to find out more info but they told me that my information that I provided does not match what is on their computer so they can not verify me. XX/XX/XXXX I noticed there were pending transactions-called XXXX and let them know I did not make these charges but again they said they could not verify my information on their computer and XXXX hung up on me. XX/XX/XXXX There was a pending auto payment of {$170.00} toXXXX from my XXXX XXXXXXXX XXXX XXXX account-I was able to make a stop payment on the {$170.00} but the payment of {$790.00} that was made on XX/XX/XXXX to XXXX went thru. I called XXXX fraud dept and spoke with XXXX. We got cut off, XXXX never called me back. I called XXXX back, explained that I was just speaking to XXXX in the fraud dept. I got transferred back to XXXX fraud dept and spoke with XXXX who says there are too many employees, she can not transfer me to XXXX. XX/XX/XXXX I notified XXXX at XXXX XXXX XXXX that I did not authorize XXXX or XXXX XXXX to withdraw funds from my XXXX account. XXXX XXXXXXXX XXXX was unable to make a stop payment on the {$790.00} because it was posted at XXXX and all payments are processed at XXXX XXXX. XXXX filed a dispute with XXXX. Called XXXX and spoke with XXXXsaid he needs to send verification letter, I explained that I already had received XXXX verification letters from XXXX. XXXX said he couldnt help me so I asked to speak to a supervisor in the US. XXXX, supervisor from XXXXXXXX XXXX dept told me I needed to wait for the verification letter so I asked to speak to a manager-she said she will transfer me and I heard push button tones then someone in the background said oh XXXX then hung up. XX/XX/XXXX I got an email from XXXX that a hard inquiry was made by XXXX. I called XXXX ( XXXX card ) at XXXX and spoke with XXXX. She said the application was declined because the person who was applying for the card with my social security number could not verify additional information. XX/XX/XXXX I received a letter from XXXX XXXX credit card addressed to XXXX XXXX that the application for a XXXX credit card could not be processed. I called XXXX XXXX XXXX card and spoke with XXXX from the applications dept. I said that I did not apply for a XXXX credit card and do not have a XXXX membership. XXXX said she will mark it as fraud and gave me the number to the fraud dept XXXX. XX/XX/XXXX I spoke to XXXX from XXXX fraud/identity theft dept and gave me a case XXXX XXXXXXXX. XXXX connected me with XXXX XXXX XXXX XXXX XXXX applications dept and spoke with XXXX who voided the pending application due to fraud. XX/XX/XXXX I received an email from XXXX notifying me that I have a new address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called XXXX to dispute the address change-report XXXX XXXXXXXX reported by XXXX XXXX advised me to call XXXX to have the address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX removed from all credit reporting bureaus. XX/XX/XXXX I called XXXX Police dept to make an identity theft report. XXXX said they will have an officer call me back. XX/XX/XXXX I called XXXX and spoke with Officer XXXX XXXX. He took my information down and I emailed Officer XXXX at XXXX my statement, all my copies of emails, letters, notes from contacts I have made to XXXX, XXXX XXXX XXXX and other financial institutions from XX/XX/XXXX to XX/XX/XXXX. Officer XXXX gave me an ID Theft report number of XXXX. I then called XXXX XXXXXXXX XXXX and spoke with XXXX to follow up on the status of the dispute for {$790.00} and gave XXXX the ID theft report.. XX/XX/XXXX I spoke with XXXX from XXXX customer service who transferred me to XXXX in the XXXX fraud dept. I requested a copy of my statements from XX/XX/XXXX to present. XX/XX/XXXX I got an email from XXXX XXXX reporting changes on my XXXX card that my balance on my XXXX credit card increased from {$0.00} to {$11000.00} which I did not use or charge anything. Spoke with XXXX with XXXX identity theft dept ( XXXX ) XXXX said to wait for a packet to dispute charges, which never arrived at my address in XXXX.
XX/XX/XXXX Spoke with XXXX XXXX XXXX XXXX ) XXXX from XXXX fraud dept who took down all my information-my correct name, correct address, correct cell number, the name of the person who is doing the fraudulent charges, her address, and the information on the police report that I filed. He said he will submit the information to the investigation team.
XX/XX/XXXX Received a message from a XXXX at XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX I called the number and spoke with XXXX from XXXX XXXX XXXX. XXXX called to attempt to collect on a check that did not go thru to XXXX due to issues that they could not disclose to me. I reported that the person they were trying to contact XXXX XXXX stole my identity. XXXX stated that she will email me an affidavit to fill out and return to them. XX/XX/XXXX I called XXXX XXXX XXXX and spoke with XXXX to find out the status on my fraud case, she transferred me to ID theft protection and spoke with XXXX who explained that they were a separate company that sells ID theft protection and is not a XXXX company. She gave me the number to XXXX customer service.
XX/XX/XXXX I called XXXX fraud dept investigations ( XXXX XXXX XXXXXXXX and spoke with XXXX. I explained that I did not get a notice from the investigations dept that I was supposed to call to give them more information. I explained that I have been constantly calling XXXX fraud dept since XX/XX/XXXX when this all began. I also explained that I spoke with XXXX XXXX who stated that he would submit all the information to the investigations dept. XXXX put me on hold a few times to speak to a colleague. XXXX informed me that XXXX fraud investigations dept will re-open the fraud case.
XX/XX/XXXX Received statement with new balance of {$12000.00} for XXXX XXXXXXXX. I sent a copy of the XXXX XXXX Dept ID Theft report along with the statement.
XX/XX/XXXX Received a letter stating the XXXX has received my information concerning the disputed charge ( s ) for acct ending in XXXX and have forwarded to appropriate area for investigation.
XX/XX/XXXX Received a letter stating that XXXX has tried to contact me but unable to reach me. I did not get any calls from XXXX. I sent another copy of the police report and a copy of my state and drivers license with the numbers blacked out. I also wrote on a copy of the letter stating that the card XXXX was issued to XXXX XXXX in XXXX, CA AFTER the other XXXX XXXX credit cards were closed due to fraud/ID theft.
XX/XX/XXXX Received a letter of conclusion of investigation saying that the information was not sufficient enough to resolve the dispute in my favor and the dispute was closed. I called the account specialist team and spoke with XXXX, she told me that the XXXXXXXX report is not valid. I explained to her my situation and she hung up on me.
XX/XX/XXXX Received a call from XXXX from XXXX bank in XXXX re : my Thank you preferred card ending in XXXX to let me know that it will take up to XXXX days to make a decision on this investigation.
XX/XX/XXXX Received a collection letter from XXXX, XXXX XXXX XXXX for XXXX card XXXX which I sent a notice with FTC letter and police report.
XX/XX/XXXX Received a collection letter from Midland Credit Management for XXXX XXXX XXXX account ending in XXXX that I never opened or heard of. They are threatening to garnish my wages. Spoke to XXXX from XXXX internal collection and explained my situation, she shared that she has never known of customer that can change the name on an account without supporting documents.
|
| 05/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Billing Error Dispute Pursuant To12 CFR 1026.13 ( b ) 15 U.S. Code 1666 - Correction of billing errors Claim for Credit Balance Pursuant to 12 CFR 1026.21 I also revoke, cancel, and make void ab initio all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me.
This is a request fordocumentary evidence of the original instrument of indebtedness, evidence that you own the debt, including the chain of title of ownership to the property or mineral rights of the alleged goods or service you are debiting this account for and where applicable that you are licensed to collect a debt in the State of California.The statement of account reflects a positive balance and is on the right side of the ledger which indicates a credit balance ( See 12 CFR 1026.21 ) The left side of the statement should contain any debit balance the right side of the ledger should contain the credit balance. Please provide evidence that this balance is a credit balance or a debit balance and adjust the account and billing statement in accordance with General Accepted Accounting Principles ( GAAP ) and or the International Financial Reporting Standards ( IFRS ) were applicable. This is a billing error dispute and acknowledgement and an indemnity claim for the credit balance pursuant to Code of Federal Regulations 1026.11 and 1026.21.
Please provide evidence that you are not a creditor who has extended me my consumer credit via the credit balance you have extended and that you are indeed a debt collector who is collecting a balance due to you in United States Dollars.
Also take further notice that if you are a debt collector please provide evidence that the amount which you state is owed is not an obligation of the United States pursuant to 18 U.S.C Section 8 which states the following : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
15 U.S Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
Please also provide evidence that pursuant to 15 U.S. Code 1602 ( g ) ( 2 ) which states the following : ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
Provide evidence a consumer transaction and not a commercial transaction occurred through your company and a third party by or on my behalf as a consumer and that as a result of that transaction your company suffered a loss which is payable on the face of the evidence of indebtedness.
Or provide the agreement that my consumer credit which you extended or are required to extend which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required did not satisfy the cash price for the amount due? See 15 U.S.C 1602 ( g ) ( 1 ).
Provide evidence where you extended me your companies own credit and not consumer credit of which I am identified as under 15 U.S.C 1692 ( a ) 3.
Please take further notice that only debt collectors collect amounts due or on a balance due ( See 15 U.S.C. 1692 ( a ) ( 6 ) ) and creditors extend consumers their credit ( see 15 U.S.C 1602 ( g ) ( 1 ) ). Therefore, any statement that you send with an amount due on it is a billing error unless that amount is a credit balance which is due the consumer pursuant to 12 CFR 1026.21 ( a ) ( b ) ( c ) and me as a consumer claim that debit balance in full and any credit balances past, present or future.
12 CFR 1026.13 Billing error resolution.
( a ) Definition of billing error.For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to theconsumeror to apersonwho has actual, implied, or apparent authority to use theconsumer'scredit cardoropen-end creditplan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with therequirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by theconsumeror theconsumer 's designee, or not delivered to theconsumeror theconsumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of thecreditor 's failure to credit properly a payment or other credit issued to theconsumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by thecreditor.
Please take further notice that pursuant to the Fair Debt Collections Practices Act, 15 U.S.C. 1692 ( a ) ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which isthe collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
15 U.S.C 1692j states : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as adebtcollector is liable undersection 1692k of this titlefor failure to comply with a provision of this subchapter.
15 USC 1666d ( 1 ) .. anything over {$1.00} that you pay into a POSITIVE BALANCE IS TO BE CREDITED BACK TO YOUR ACCOUNT! ( TREATMENT OF CREDIT BALANCES=RESOLUTION ) Please credit the account and offer payment for any overpayments into the account from the credit balance or send the requested evidentiary documentation supporting proof of claim.
Please take further notice that pursuant to18 U.S. Code 1341 Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of theRobert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
12 CFR 1026.13 ( e ) Procedures if billing error occurred as asserted.If acreditor determines that a billing error occurred as asserted, it shall within the time limits inparagraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit theconsumer 's account with any disputedamountand related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to theconsumer.
Please be advised that failure to comply with Federal Law will result in complaints being filed with the Federal Trade Commission, IRS Criminal Investigations Division, Department of Justice and the FBI for wire fraud, fraud in the inducement and fraud in the factum. Please provide payment and credit the account in the 3-5 business days from the receipt of this notice.
Your time, attention and actions to correct this billing error is greatly appreciated.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sent this letter to Midland Credit Management XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the XXXX XXXX XXXXXXXX it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by Midland Credit Management , Inc . I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. XXXX companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Support Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Midland Credit Management XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX and Midland Credit Management XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave Midland Credit Management XXXX XXXX Any of my information it was SOLD to you by XXXX XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXXXXXX XXXX law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to Midland Credit Management , Inc . I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, Midland Credit Management , Inc .
Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the XXXX XXXX XXXX XXXX XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the XXXX XXXX states it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by Midland Credit Management , Inc . I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
If Midland Credit Management XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$XXXX} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
|
| 12/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Recently, I had the misfortune of finding that a group of Debt Collectors obtained a lawsuit against me without ever properly serving me. Not only was there not proper service, the misrepresentation of whom they are, what they can do, what actions they can truly take has been grossly inflated to try and strike fear in Consumers.
They have falsely put dollar figures in that do not apply to me. There is no clear chain of representation of companies that have had this debt or the original creditor.
We are also a Military family and them not taking proper methods to serve legal papers, deceptively file with the Civil Court and blatantly take action they can not legally take is beyond harassment and abuse. They are Junk Collectors using brut tactics.
The simple fact that in their own Summons, represent that they are Attorneys with one set of NY DCA license numbers and then on the Complaint page present as DEBT COLLECTORS with different NYC DCA License numbers.
806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
807 15 USC 1692e ( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property; or ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such 809 15 USC 1692g verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ) 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court.
On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs.
( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional Intimidation on this level, threats of this magnitude should not be acceptable. They managed to violate every section I listed above by trying to get a judgement for a debt that they have not proven I owe, that the person who filed is actually able to do so and operating using a license on their court papers that is NOT covered.. There is no proof of service and they need to be held accountable for their actions.
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am submitting this complaint on MIDLAND FUNDING because this company is continuing to report inaccurate information to the consumer reporting agencies after I had already put them on notice that the alleged debt has not been legally validated and because of errors being furnished to the consumer reporting agencies. Since this company is the data furnisher of information to the consumer reporting agencies this company had the DUTY to delete the information from my consumer files and not report any inaccurate or incomplete information there after notice.
XX/XX/XXXX I sent Midland Funding a debt validation request at the address they received disputes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX tracking XXXX.
XX/XX/XXXX Midland Funding received my request. After they received my request this company was still reporting new updated information to the consumer reporting agencies. Midland Funding failed to cease the collection and reporting of to the consumer reporting agencies until the debt had been properly validated by me. XX/XX/XXXX Midland sent me a response letter NOT specifying any information requiring the debt validation request I had sent. Instead they sent a response based on the indirect disputes through the consumer reporting agencies in regards to inaccurate information. Midland Funding specifies that the information they are furnishing is accurate. What really through me for a loop is the information that they included in this letter. So, Midland Funding purchased this debt from the original creditor on XX/XX/XXXX with the original charge off amount of {$8400.00}. Midland Funding has included a chart table of payments being made AFTER they purchased the debt from XXXX for the dollar amounts ranging from $ XXXX {$73.00}. Midland also states that the Total Payments/Adjustment Applied is a {$0.00} amount. How is it even possible that they claim that I made payments to there company AFTER they purchased the debt from the original creditor but then state that no payments or adjustments were made? I dont even think Midland Funding knows what there doing within there companys system. This makes absolutely NO SENSE TO ME because I have not and never had a payment arrangement in agreement to pay this debt collector anything.
I have asked this company if they claim I made payments on this account then please provide me with the process of payments. How were the payments being made? credit card? checking account? money order? If Midland is claiming I made payments on this account then surely they have the receipts to back up there claims.
I am aware of my consumer rights and understand there are laws to help protect consumers from debt collectors cryptic tactics to collect on items that they legally are not able to even collect on. It is not my fault debt collectors purchase debts for pennies without legal documentation. That is exactly why I chose to send them a debt validation request. Midland Funding has failed to provide me any legal validation proof that I am legally obligated to pay them and according to the FDCPA 1692c ( c ) I have every right to refuse to pay a alleged debt without proper validation. I have already made the consumer reporting agencies aware of this debt collectors illegal tactics by continuing to report this item on my private consumer files after midland received my validate request and never provided proof I owe them anything. The consumer reproing agencies refuse to delete this item even tho they are aware of the violations this company is committing. Midland Funding did NOT provide a NOTICE OF SALE, ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORGINAL CREDITOR OR A PAYMENT OR AGREEMENT BETWEEN MYSELF AND MIDLAND FUNDING agreeing that I owe them anything. To my understanding without proper legal documentation this debt buyer is committing FRAUD by advertising and harassing me to coerce payment 1692d ( 4 ).
In addition Midland Funding is furnishing different information with XXXX XXXX and XXXX.
My XXXX report reflects the following errors and misrepresentations.
Account Type OPEN ( validation was never produced so this account should be closed ) Loan Type FACTORY COMPANY ACCOUNT ( using another company name, other than your true identity ) Date Updated XX/XX/XXXX ( should have not been reported after validation request ) High Balance {$8400.00} ( XXXX error ) Past due {$8400.00} ( impossible on a collection account ) Estimated month and year this item will be removed XX/XX/XXXX ( XXXX and XXXX are different ) My XXXX report reflects the following errors and misrepresentations Past due {$8400.00} ( impossible on a collection account ) Balance {$8400.00} ( XXXX error ) Balance Updated XX/XX/XXXX ( should have not been reported after validation request ) Original balance {$8400.00} ( XXXX error the original charge off amount is not applicable on a collection, amount is wrong and should be {$0.00} ) Terms 1 MONTH ( not applicable on a collection account XXXX error ) On Record Until XX/XX/XXXX ( XXXX and XXXX report different ) A PAYMENT HISTORY ( not applicable on a collection account XXXX XXXX error ) My XXXX report reflects the following errors and misrepresentations Account Type OTHER ( wrong ) Balance {$8400.00} ( XXXX error ) Months Reviewed 48 ( you never produced the 48 months you claim to have reviewed ) Date Reported XX/XX/XXXX ( should have not been reported after validation request ) High Credit {$8400.00} ( XXXX XXXX error ) Date of First Delinquency XX/XX/XXXX ( XX/XX/XXXX is different from XXXX and XXXX ) Date Closed INCOMPLETE but the account says CLOSED ( incomplete information ) Amount Past Due {$8400.00} ( impossible on a collection account ) A visible Payment History ( even tho there is NO DATA reporting, a payment history is still visible and not applicable on a collection account XXXX error ) The contact information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX and contact phone number XXXX XXXX XXXX is NOT the correct contact information in regards to send a dispute to your company ) All this information was included in the direct letter I sent to them on XX/XX/XXXX tracking XXXX at there dispute address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Midland Funding received my letter on XX/XX/XXXX and still failed to cease collection and reporting of information to the consumer reporting agencies. My privacy is being VIOLATED. I DO NOT VALIDATE this debt and I AM NOT PAYING A DEBT from a company that I was never extended credit from, or that I do not owe without validation proof proving I owe them. I have already disputed with the consumer reporting agencies and disputed directly with Midland Funding. Midland Funding refuses to be in FDCPA compliance. I have given Midland Funding plenty of time to supply me with legal documentation and there time has passed. Its simple, if I owed Midland Funding then Midland Funding should have no problem providing me with legal information proving that I owe them. Such documentation they do not have, therefore the collection and reporting of this account to third party consumer reporting agencies violating my privacy and damaging my credit worthiness with future financial institutions is FRAUD and ILLEGAL. I have included my latest results from XXXX and XXXX and Midland has Verified as Accurate with both agencies. Both agencies results reflect different information.
XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because Midland hasnt provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX.
XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates.
I got a new report XX/XX/XXXX and these are differences.
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting.
A payment history ( Midland never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX.
I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED.
- Date of 1st deliqneucny XX/XX/XXXX causing the XXXX year reporting time to be set to XX/XX/XXXX.
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist.
I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continues to verify information with the consumer reporting agencies.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent this dispute letter to Midland Credit Management. XXXXMIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX California XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Subject : Dispute of Alleged Debt and Request to Cease and Desist Dear Sir/Madam, I am writing to dispute the alleged debt that your company, Midland Credit Management XXXX XXXX attempting to collect from me. It has come to my attention that your company has reported this debt to credit bureaus, and I am deeply concerned that this inaccurate and unjust information XXXX negatively impact my creditworthiness, causing significant harm to my financial standing. I demand, with utmost urgency, that you immediately cease and desist from any further collection attempts, including reporting this alleged debt to credit bureaus.
I draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX - Definitions ; rules of construction, which lays the foundation for the regulatory framework governing consumer credit reporting. This statute defines critical terms relevant to my case and is fundamental to understanding the rights and responsibilities of both consumers and credit reporting agencies.
The term " consumer '' under this statute is defined as an individual, and I, XXXX XXXX, fall squarely within this category.
Furthermore, it is crucial to recognize that 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose articulates Congress 's intent when enacting the FCRA. It emphasizes the significance of accuracy and fairness in credit reporting and underscores the importance of maintaining consumer privacy and confidence in the financial system. These congressional findings serve as a guiding principle for interpreting and enforcing the FCRA.
Within this context, I insist that your company, as a furnisher of information to consumer reporting agencies, strictly adhere to the FCRA, especially the section that specifically addresses your duties, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. This section imposes a duty on furnishers like Midland Credit Management to provide accurate information to consumer reporting agencies. Specifically : Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), you are prohibited from furnishing any information to consumer reporting agencies if you know or have reasonable cause to believe that the information is inaccurate.
Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), you are prohibited from furnishing information to consumer reporting agencies if you have been notified by the consumer that specific information is inaccurate, and that information is indeed inaccurate.
I categorically assert that the alleged debt you are attempting to collect is both inaccurate and unjust, as it has been previously written off by the original creditor in accordance with IRS guidelines. According to IRS regulations, a written-off debt is considered canceled debt and is no longer legally owed. Consequently, I affirm that I owe no debt to your company.
In light of these legal obligations and the factual basis of my dispute, I formally request that you provide me with all documentation related to this alleged debt, including but not limited to : A copy of the original signed contract or agreement between myself and your company.
Detailed information regarding the debt 's origin, including the original creditor 's information and the date of the debt.
Documentation demonstrating that your company possesses the legal authority to collect this alleged debt.
Until such time as you can conclusively and unequivocally prove that I owe this debt to your organization and that your collection activities are in strict compliance with all applicable laws and regulations, I insist that you immediately and unconditionally cease and desist from any further collection attempts and the reporting of this alleged debt to credit bureaus.
Furthermore, I demand that you promptly rectify any inaccuracies and personal details that you may have reported to credit bureaus without my explicit authorization. These inaccuracies have caused substantial harm to my financial reputation and well-being.
Now, I also want to bring your attention to another relevant law, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, which pertains to the obligations of financial institutions when disclosing nonpublic personal information. While this law primarily applies to financial institutions, it underscores the importance of protecting consumer information and maintaining accuracy, which are core principles of the FCRA as well.
Please be aware that my rights under the FCRA are not to be taken lightly. Failure to comply with this formal dispute and cease-and-desist request may result in serious legal consequences, including potential legal action on my part to safeguard my rights under the FCRA and other relevant consumer protection laws. I am fully prepared to exercise all legal avenues at my disposal to protect my interests.
This letter serves as formal notice to your agency of my dispute and demands, and you are hereby put on notice of my intent to enforce my rights under the FCRA, 15 U.S. Code 6802, and other applicable laws. I expect a comprehensive written response to this dispute within 30 days of your receipt of this letter.
Your prompt attention to this matter is not only expected but imperative. The inaccuracies in question have already caused undue harm to my credit profile, and it is imperative that they are rectified promptly.
-- - I sent this letter last week on the 15 of September but I heard nothing back yet because of course it's a mailed letter. I also, sent digital disputes using credit karma TransUnion, Equifax, and Experian. Experian removed this account immediately due to it being unverifiable and by not giving any permissible purpose Under 15 US code 1681b permissible purposes of consumer reports. Transunion I sent a dispute on credit karma. Transunion tells me the account is verified and I'm trying to figure out how. How are they verifying it? Did they get my signature from that company saying I give access to my consumer report? Or are they just saying verified? All credit accounts are insured before the lender gives out credit. Once a lender writes off the the balance for tax purposes and the account states it is " written off '' you no longer legally have to pay that debt under IRS provisions and regulations once a debt is written off it is considered a canceled debt per the IRS. So I'm trying to figure out what debt are they collecting if there is no debt. How much did they pay for the alleged debt? How much did they pay for my private information? I never gave explicit authorization for Midland Credit Agency to access my consumer report. Furthermore, 15 US Code 1681a defines crucial terms relevant to my case. It introduces the term " Exclusions '' which signifies that certain categories of information are not to be included within a consumer report. Notably, exclusions refer to information excluded from the definition of a consumer report and this definition es essential to understanding the limits and scope of the information that may be reported to consumer reporting agencies. Furthermore, the practice of reporting debt when there is none is perplexing. Paragraph 4 of this statute states that the term " consumer report '' does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are Midland Credit Management XXXX XXXX XXXX XXXX XXXX ) reporting information Soley as to transactions and experiences ( Debt ) on my consumer report without my authorization? Under 15 U.S. Code 6802 ( b ) related to the opt-out provision, it is important to note that a financial institution like Comenity Capital Bank ( where Midland Credit Management allegedly bought the debt ) may not disclose non-public personal information to a non-affiliated third party, such as credit reporting agencies like Debt Collection Agencies, XXXX, XXXX, and XXXX, unless they clearly and conspicuously disclose to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. Additionally, the consumer is given the opportunity before the time that such information is not disclosed to such third party and the consumer is given an explanation of how to exercise that non-disclosure option. I want to emphasize that under 15 U.S. Code 6802, I was never given an explanation of how the consumer can exercise that non-disclosure option. The original creditor says there is no debt so again what they are trying to collect and who gave them explicit authorization to write, create, say, or publish anything on my consumer report. This now deems the report inaccurate and a violation of consumer protection laws and consumer privacy.
|
| 08/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland Funding LLC DBA In New York As Midland Funding of XXXX LLC had filed a default judgement against me and also a lien against my property for a credit card that was a result of identity theft and was disputed years prior to them filing the judgment. I was never served a summons for court to defend myself. Included in the default judgment are Interest charges at 9 % claimed from XX/XX/XXXX to XX/XX/XXXX for {$1500.00} before there was even a judgment filed. No contract from the original creditor XXXX XXXX XXXX or from Midland has been produced to show a signature or even to prove what interest rate Midland is allowed to charge by law before the judgment was entered. I was a victim of identity theft in XXXX of XXXX. There were credit cards opened in my name as well as credit cards used that I had opened and also my banking information was compromised. I didnt find out the full extent of the theft until later down the road. But immediately after the identity theft occurred I notified the 3 major credit bureaus, XXXX, XXXX and XXXX. There was a fraud alert placed on my credit. I also initially filed a police report as well reporting the identity theft. I filed affidavits of fraud with all know creditors at the time and with my bank. Im not sure when Midland Funding LLC obtained this XXXX XXXX XXXX credit card, but when I seen them report on my credit report, I contacted the credit bureaus. The credit bureaus had already removed the XXXX XXXX XXXX debt off my credit report prior because of the fraud, prior to Midland Funding LLC reporting on there. Midland Funding LLC could not verify that the debt was valid and it was in dispute so the credit bureaus promptly removed them off of my report again. I have attached the record of dispute with Midland, with XXXX from XX/XX/XXXX before the judgment was filed. Further details of the credit reporting investigation could only be accessed for a limited time after it was completed. On XX/XX/XXXX Midland Funding has claimed to serve me with a summons and complaint which they say was affixed to the door of a property that I owned with my ex. At that time I was not living at the property because I was in a XXXX XXXX situation and was residing with my parents. My ex who also owned the property was living there. It was a temporary situation that was even documented by the courts. I can send over those records as well of my address at my parent 's house if need be. I lived with my parents for about a year but did not put in for a change of address at first because I didn't know that I wouldnt get my mail, I didnt want it to look like I was abandoning the property I owned, and I didnt think I was going to be staying away for very long. A few months later I changed my address. Due to the domestic situation I would have not received any type of correspondence at the property that I owned, and I now believe that my ex could of had some involvement with the identity theft. Even when I did live at the property I was not getting my mail. Midland also claimed to have mailed a copy of the summons and complaint on XX/XX/XXXX to the same property. I obtained a copy of the summons and complaint from the courthouse in XXXX of XXXX, and it is dated XX/XX/XXXX and states that I have 30 days to answer. Also the records that I obtained from the court do not included any type of Bill of Sale, or ownership information on how they obtained the debt or how it was assigned. To a person who is not familiar with a summons and complaint, they would most likely assume that their time was up to answer the summons. I think that this is another tactic used by Midland to obtain default judgments. But I did not see the summons until XXXX, so obviously I did not answer. On XX/XX/XXXX Midland Funding LLC DBA In New York as Midland Funding of XXXX obtained a default judgement for the amount of {$8400.00}. I then started receiving calls XXXX XXXX XXXX, Midlands attorneys. I did not receive any type of phone calls prior to the judgement being filed. They were calling from different phone numbers telling me the sheriff was going to come to my work. They were calling my family. I gave them my updated address at my parents and once again told them that this was not my account. They told me it did not matter, they already have a judgement. They sent papers to do an income execution. I told them I never got paperwork on a judgment being filed and that this was disputed already on numerous occasions. Finally, because I didnt know what else to do, and I didn't want to go to jail or have the sheriff come to my work, I asked my mom to lend me the money. When I went to the bank to deposit the check the bank told me to make sure that this wasnt a scam. I looked up Midlands attorneys on the internet, XXXX XXXX XXXX and there was a lot of things on there saying that they were a scam and not to pay them. After already going through what I had gone through with the identity theft I didnt know what to believe. I got scared and didnt know what to do. I didnt know how to check to see if there was really a judgment. I didnt know if this was a legit company or not because how would they sue me for something that was disputed years ago. I was not informed on the phone calls that it was an attempt to collect a debt. So I basically avoided the situation. XXXX XXXX XXXXXXXX on behalf of Midland Funding LLC started sending letters of the judgment to any address they thought I lived at, including my grandmothers address that I have never lived at. I couldnt afford an attorney and didnt know of resources available to help me at the time. In XXXX of XXXX I contacted the new attorneys collecting the debt, XXXX, XXXX XXXX XXXX, XXXX and once again told them that this was disputed. To this day I still have never received any correspondence from Midland, XXXX XXXX XXXX, or XXXX, XXXX XXXX XXXX XXXX stating that they are investigating my dispute. They want me to provide all the proof that I didnt do this, and they have supplied me with nothing. They also told me I would have to send them a copy of my license and social security card. I do not feel comfortable doing this. I have many forms of proof from fraud affidavits to police reports and apparently that is not good enough. They sent me a letter saying that judgment is now {$14000.00}. The public record of the judgment says it is {$6200.00}. I just had XXXX XXXX and can not refinance my house to help pay for my medical costs unless I pay them these funds because of the lien on my property. They are going to force me into losing my home, for something I didn't do. In XX/XX/XXXX I tried to file a motion to vacate the judgment and I was not able to submit all of the proof I had because I had to first somehow prove that I wasnt served properly. I was representing myself and unfamiliar with the process. They would not vacate it so I could reopen the case and provide all my documentation that this was fraud. XXXX, XXXX XXXX XXXX, XXXX came with their expensive attorneys and failed to mention that the account was ever disputed. For the last 2 years Midland has sent letters to my grandmother including the most recent in XX/XX/XXXX. My grandmother received correspondence from a Midland class action lawsuit. She had received 4 postcards. Midland Funding LLC has my updated address and I have never lived with my grandmother. The other issue I have is that Midland also said there is another credit card with XXXX XXXX XXXX for the amount of XXXX XXXX.They sent me a letter XX/XX/XXXX saying that they filed a lawsuit against me and they were offering a settlement. This account was disputed as well and I believe that they dropped the lawsuit because of the dispute. There is no record of me being served for this account or any judgement on file with the county. I have also attached this letter in the documents with the index number included. I have not received any type of correspondence from anyone saying that a judgment was obtained on this account. It is strange that they would stop one lawsuit because of the dispute but not the other when Midland was handling both accounts. I have never received any notification on a judgement on the other account but I was told in phone calls With XXXX, after the fact that there were two judgements against me and if I paid them it would stop the Sheriff from coming. But Midland has not mentioned any of this to the courts. I believe that Midland Funding LLC DBA In New York as Midland Funding of XXXX, XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX are overlapping information from both of these accounts and merging records to try and get as much money as they can, for debts that were disputed and I thought that it was against the law for companies to do this. I have uploaded as much documentation I could find for now, being that this was years ago when the identity theft occurred.
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
I own my property and my House many Issues. The mortgage assignment, dated three months later a mysterious foreclosure filing, Mysterious assignment of Mortgages. lawsuit involving a claim on a property has been filed. XXXX XXXX is connected to Daily calling over and over again. A form of terrorisms, Driving acts violence .XXXX XXXX have used scare tastics recently XX/XX/XXXX XXXX mortgage fraud scams. Recently scammers filed a crimes involving real estate Fraud falsification Foreclosure Trust attempt filed by XXXX XXXX XXXX XXXX. An attempt to steal our stealing our property by Attorney : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Phone : XXXX. XXXX XXXX XXXX .and involvement with MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX, AS REGISTERED AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Property owner information In The city of XXXX XXXX, XX/XX/XXXXXXXX subdivisions, parcel numbers, property boundary locations, lot dimensions, property records, property line divisions, property appraisals, People of XXXX Subdivision aren't treated as the XXXX Community is. The XXXX XXXX XXXX Community. The Ownership boundaries aren't clearly defined or visible. Criminal are building our Homes unlicensed activity recently All the destroyed our trees and removed them from our property with a bull Dozier. Criminals are building the Houses without surveyor. Without permits. The City Not requiring Property owners permits and are crossed over Our Property line, I have preservation to own my own property. The City of XXXX XXXX are stealing the XXXX XXXX property and buildings aren't meeting the standard without meeting their intended character. three house and sever Lots.
Most Lots are 50x 100 or 5000 square feet. My mother XXXX XXXX XXXX XXXX for her property. Property was taken by the city out of Probate after her Will was filled shortly later she was found on one of her property. Mysteriously all her probate property and Money disappeared into other people hands.. Family Heirs has been tort and her personal assets stolen. Privileges and Immunities of Citizens, we have been Denial of Rights Under the Color of Law Violation 18 USC Intimidate property this owner by use of their Ordinances, regulations and Court and Real Estate Connections and Debt collectors.
Reflect property ownership as directions under article 4 ( 2 ) The City of XXXX XXXX currently Building Lots - the maximum of Land size of XXXX s.f. Structure that is adopted by the County Council. the Special interest of the conservation area Restrict permitted development property rights. Article 4 Permitted development rights protecting the integrity of XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX a new structure. XXXX XXXX requirement Square Feet Lot Size, Lot Width.50 feet wide 100 foot long. All lots fronting a curve shall have a minimum width most are 50 ft wide at the front lot line enough to provide the required lot width at the building line. Article 11 Most Houses in the XXXX XXXX area are built by drug dealers and criminals. Subordinate compared to the rest of the City requirements for building and construction. Width And Area Than Per Square footage and all other dimensional standards Affecting property Land in accordance with Florida Statutes requirements land or houses without planning permission and often take for granted, are brought into the realms of planning consent Article 4 violation pf planning and developing on property below the 60-width standard. Property Land Classification not eligible for building requirements, Interpretation of Florida for building requirements 60 foot only. Irregular shaped Lot Dimension. Not requiring Appraisals or permits in Permits for Requirements trees, property boundaries. Neighborhood real estate and Square Feet Lot Size criteria of lot of information properties. XXXX Exploited by the City Developing Where these rights are unchecked, The XXXX Community of XXXX XXXX Building Permits many of the houses below the min property size to build on. if they do not meet criteria. The City development area to illegally terror property owners. Hire debt collector to legal harassment ; through the County Court System Probate and force them out of their property intentions to abuse of judicial resources. Article 4. It also empowers administer the territories full faith and credit '' to the public acts. property line, to the side area. Violation of the Federal Law provisions. responsibilities and exercise their authority in captivity. Using predatory creditors to pressing property owners out of their land. Using criminals to build the houses because the Land is too small to build on.
XXXX XXXX XXXX values ; regulations, character of the property should be adjusted to lower area median surrounding properties and the neighborhood home value is {$150000.00} - XXXX. Historically recognize XXXX citizens, Historic preservation efforts in the community median list price per square foot elevated for most Landowners in the area order to force them out of their property. Setback refers to the distance a house or structure be from a property line. XXXX XXXX area XXXX relevant zone building structure too close landowners property. in XXXX XXXX above Constructed value. Property setbacks can sometimes also prevent a homeowner from extending a dwelling or structure all the way to his property line to his own advantages. First the tree was removed off our property, then some unknown person Applied for a foreclosure after I complained about our trees being improperly remove and our property line violation. Violation of XXXX XXXX, XXXX listed Recently ; XXXX XXXX promotes their listings Unauthorized profile advertising on XXXX. on real estate home value and market, the criminals are following their listing Under Foreclosure files under Debt Collector Mid Land Funding. Under the Jurisdiction. Then some unknown person filed for Foreclosure under Midland Funding Targeted my property, photos, descriptions of the property of my Home. The Florida Constitution Listing our home view history, our detailed real estate on XXXX. The XXXX XXXX homes are owned, territories and invaded by advertising on our lands harmed Owner 's Name, Address, History, Property Deed on XXXX. House or structure Define as part of the plans for developing real proper Building without requiring permits and removing out trees with permits and or setbacks according to property lines threatened injury Violation of protected, rights against legislature invasion Amendment guarantees against state denials. Residential use. Is not fair to the Homeowner information on the property.
Minimum width XXXX XXXX area most are not eligible for build so the City in building under the radar and charging above market fees for the property that was built under cade and in built without building our detailed real estate permits by the City Permit depart. for building permits. Zoning minimum Lot requirement. Standards and Rules adopted by the State of Florida Department of Economics development code Land Code Article 11 Section 2 ( b ) Article 11 defense. The City have an obligation to maintain the Residential use property. Development property. Fairly and Equitably Full Faith and Credit shall be given in each by statute each state to the public Acts, Records, and judicial Proceedings of statute of limitations. CSMC 2019 RPL3 TRUST, Attorney : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, Phone : XXXX.
XXXX neighborhoods on XXXX XXXX listing photos detailed real estate. XXXX XXXX FL Building Lots. Building Lots Property Median Size Not steal the property of force out the XXXX but Help the community. Obligation to Maintain Law. Protect each of them against invasion Judgment Correction of defects in papers. Objections in point of law Proceedings Objections in point of law. 405 - Correction of defects in papers. R406 - Motions. 407 - Severance. 408 - Disclosure. R409 - Hearing. 410 - Trial. R411 - Judgment. Landscaping Overlays & Zoning Districts ; 4 - Use Regulations ; The article also discusses obligation to maintain law and order in the event of an " invasion '' or other breakdown of a peaceful union. the United States federal government must guarantee each state a government that is a Republic. The Guarantee clause. According to this clause, should be protected by Color of Law. Such terms Color of Law Sect 18 Violation. Exploitations of the XXXX in my neighborhood and then advertise out property on as if our Homes are XXXX homes for sale property details, and Owner of the property details. The criminal are tracking their activity on the Internet. Tracking us like slaves and animals.
https : XX/XX/XXXXhttps : XXXX ...
https : XXXX ...
https XXXX XXXX XXXX.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello CFPB, I am attaching a PDF to this complaint that is formatted to be easier to read than this text only field. Please kindly review that PDF in full.
Im hoping you can help me Remove an Improper Reporting on my credit report.
Midland Credit Management is falsely reporting the following account number XXXX I have NEVER had a contract with this company for Anything Whatsoever!
Harassment : Employees from Midland Credit Management repeatedly call my personal cell phone and Harass me with Threatening, Discriminating, Demeaning and Rude language.
I am Scared to hear the phone ring, because Im Fearful, never knowing what Nefarious and Underhanded tactic Midland Credit Management will be using to harass me another time.
I have blocked countless Virtual Telephone Numbers used by this company to mask their true identity and trick people to answer the phone from a telephone number that appears to be local to their area code. Unfortunately, they just use another virtual telephone number to circumvent being blocked.
This has gotten so bad that I flinch whenever the phone rings and no longer answer my phone from any phone numbers that I dont recognize. Its terrorizing.
( If you need, I will send you screen shots from my phone showing the dates times and phone numbers they use to contact me. ) I want this company to immediately delete everything they have added to my credit report.
Furthermore I want all credit reporting agencies ( XXXX, XXXX, XXXX etc ) to immediately delete, from my credit report, anything related to Midland Credit Management and/or account number XXXX.
Midland Credit Management does NOT have permission to contact me ever again in any form whatsoever!
Right to Privacy : Midland Credit Management Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.
Likewise 15 U.S.C 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
I did not Grant, Approve or Authorized Midland Credit Management permission to obtain any information or report it onto my credit report. I do NOT approve this reporting!
I want Midland Credit Management to ; Cease and Desist reporting any and all information to all consumer reporting agencies.
AND Delete all previously reporting to all consumer reporting agencies.
Ignoring this Cease and Desist will be evidence that the violation of the FCRA and infringements were willing, and deceptive.
Midland Credit Management must Immediately Delete this account, # XXXX, unless they want to be held liable for {$1000.00} per violation as permitted by tha FCRA.
Improper Validation : I disputed this reporting directly with Midland Credit Management by sending them a letter on XXXX.
On the same date I sent dispute letters to XXXX, XXXX and XXXX requesting they remove this inaccurate reporting.
These letters were sent certified mail. ( I will be happy to send you a copy of the letters and the certified mail tracking numbers if you need them. ) Midland Credit Management Did NOT provide to me a Full and Complete Verification of this account reporting as REQUIRED by 12 CFR 1006.34 ( c ) Validation information Since they violated this statute, Midland Credit Management must Immediately Delete this account, # XXXX and all relating information, OFF of my credit report.
Improper Re-Aging of Account : The most infuriating thing this company has done is to repeatedly report a new balance on my credit report, essentially fraudulently re-ageing this account.
One day they report a new balance increased by One ( XXXX ) dollar, then days later the new balance will decrease by One ( XXXX ) dollar.
This is Fing insane, I have no interaction with this XXXX company so there is no plausible reason for the balance to fluctuate by XXXX ( {$1.00} ) dollar OTHER than for Midland Credit Management to attempt to continue their fraudulent reporting on my credit report in-perpetuity.
Midland Credit Management is engaging in this illegal re-ageing practice as detailed in FCRA Section 623 ( 5 ) ( A ).
Below I will include a timeline of events recorded by the credit monitoring service I pay for, XXXX ( I will be happy to send you screen shots of these events if you require. ) Since they violated this re-ageing statute, Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report.
Likewise XXXX, XXXX, XXXX must immediately delete, anything related to Midland Credit Management and/or account number XXXX.
Timeline XXXX - XXXX sent a dispute letter to Midland Credit Management requesting validation of the account.
XXXX - A new comment is made to my credit report ( regarding the account in question ) on XXXX and XXXX Comment : Consumer disputes this account information XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX and XXXX.
XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX.
XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX.
XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX.
XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX.
XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX.
XXXX - Midland Credit Management Calls my Cell Phone from an New Phone Number ( I block it ) XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX.
XXXX - Midland Credit Management Calls my Cell Phone TWICE from an New Phone Number ( I block it ) XXXX - Midland Credit Management Calls my Cell Phone from an New Phone Number ( I block it ) ( I can send you screen shots of each of the events in this timeline. ) Midland Credit Management is Artificially Increasing and Decreasing a new balance to harass me through their fraudulent and illegal activity through my credit report, keeping this account active, Re-Aging it in-perpetuity.
Then they call my cell phone, presumably to further attempt to intimidate me.
I have XXXX HAD ENOUGH!!!!!
Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report.
XXXX, XXXX and XXXX must immediately delete EVERYTHING related to Midland Credit Management and/or account number XXXX.
Factual Inaccuracies : Please kindly see XXXX screen shots below, taken from my credit report on XXXX. ( Ive added arrows pointing at the line items labeled Balance and High Credit ) The Balance item is listed at {$7600.00} and the High Credit item is listed at {$7600.00} a difference of XXXX ( {$1.00} ) dollar.
These XXXX items can NOT be factually accurate in the same universe!
Please also note the Date of last Activity is reported as follows.
XXXX XXXX, XXXX XXXX, XXXX XXXX That is XXXX XXXX! I have NO interaction whatsoever with Midland Credit Management, so there CANT BE ANY LAST ACTIVITY REPORTED!!!! Furthermore, they are years different!!!!
If Midland Credit Management does not immediately remove this reporting I will be forced to take further action of seeking damages of up to {$1000.00} per violation.
Likewise, If Midland Credit Management does not immediately remove this reporting, I will be forced to report them to the California State Attorney General and XXXX XXXX XXXX
Furthermore, If Midland Credit Management, XXXX, XXXX and XXXX do not immediately remove this reporting, I will retain Legal Counsel to seek the full legal remedy Im entitled to via the courts.
Resolution / Remedy : By now you should realize I am VERY upset and believe the only way I can find relief is to report Midland Credit Management to the regulating authorities.
I apologize for my tone, MASSIVE frustration and colorful vocabulary.
Midland Credit Management is perpetrating Fraudulent and Illegal Reporting on my credit report in MANY different ways, and IVE HAD ENOUGH!
In accordance with 15 U.S.C. Sec. 1681i ( a ) I want this account deleted because there is no possible way it is being reported legally, XXXX percent right, correct, factual and accurate.
Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report.
XXXX, XXXX and XXXX must immediately delete EVERYTHING related to Midland Credit Management and/or account number XXXX.
I look forward to resolving this issue as SOON as Possible.
Thank you for your continued assistance.
XXXX XXXX Please find my identification documents attached below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 of XXXX : XXXX
|
| 04/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a debt with Midland Funding, LLC, /XXXX XXXX XXXX XXXX XXXX XXXX , for {$860.00}. To date, I have made 11 payments to XXXX XXXX XXXX XXXX XXXX XXXX ( 2- {$100.00} payments, 8- {$66.00} payments, & 1- {$66.00} payment = {$790.00} ) and 1 payment to Midland Funding, LLC ( {$66.00} ). Making a total payment of {$860.00}.
XX/XX/XXXX Received Notice To Cure from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Set up payment plan with XXXX XXXX XXXX XXXX XXXX XXXX, $ XXXX/Month XX/XX/XXXX - $ XXXX monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - $ XXXX monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Went online to make payment to XXXX XXXX XXXX XXXX XXXX XXXX. File number was not recognized being in the system. Called XXXX XXXX XXXX XXXX XXXX XXXX to make an over the phone payment and inquire about my file number not being recognized. Was informed Midland Funding, LLC to my account back on XX/XX/XXXX. There were no notes in my account as to why. It would be looked into, call back in a few days.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX about account. They didnt know why Midland Funding, LLC took my account back. I need to call Midland Funding, LLC and setup/make a payment to them as they no longer had it.
XX/XX/XXXX Called Midland Funding, LLC. Verified they did have my account back. Setup a payment plan of $ XXXX/month and made an immediate payment.
XX/XX/XXXX Went online to make a payment to Midland Funding, LLC. File number was not recognized by their system. I called and was told the account had been sent back to XXXX XXXX XXXX XXXX XXXX XXXX. I would need to call XXXX XXXX XXXX XXXX XXXX XXXX and setup a new payment plan.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX and they verified they did have my account back. Setup a payment plan of $ XXXX/month and made an immediate payment.
XX/XX/XXXX {$66.00} monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX to pay the remainder of my debt. Was informed I owed {$260.00}. I went over the payments I made to both Midland Funding, LLC and XXXX XXXX XXXX XXXX XXXX XXXX with the gentleman I talked to. I was told that the payment I made to Midland Funding, LLC didnt not follow my account when it was given back to XXXX XXXX XXXX XXXX XXXX XXXX. That they would need to contact Midland Funding, LLC about that payment. I asked if I could make my monthly payment of {$66.00}. And was told no because I now was putting my account into dispute. I verified that my phone call was being recorded so I could state again that I called to pay the remainder off. That because it is showing a higher amount that what I owe, then they are informing me I am disputing it. Wait a few days to hear back from XXXX XXXX XXXX XXXX XXXX XXXX.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX to inquire about my account and what was found. If XXXX XXXX XXXX XXXX XXXX XXXX had resolved the issue with Midland Funding, LLC so that my account reflected the right amount owed. I was informed that a letter was sent to me on XX/XX/XXXX. With my payment history. As well as asking for a copy of the front and back of the canceled check to Midland Funding, LLC from XX/XX/XXXX. I explained that I didnt use a check to pay Midland Funding, LLC I used debit card automatic withdrawal from my bank account. And that I had proof. I was given an email address and asked if I could email my bank statement to them. That to wait till later in the day of XX/XX/XXXX to call XXXX XXXX XXXX XXXX XXXX XXXX. To give the paralegals time to receive my email and scan my bank statement into my account. I asked if I could make a payment and was told that I still had time, my due date was XX/XX/XXXX with a 4-day grace period. And hopefully everything will be corrected by then.
XX/XX/XXXX Emailed bank statement proving I had made a payment to Midland Funding, LLC XX/XX/XXXX, along with the backstory as to why I was sending it.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX, due to high volume of calls, I was not able to get through to speak to anyone.
XXXX 8 minutes, 2 seconds XXXX 7 minutes, 54 seconds XXXX 2 minutes, 51 seconds XXXX 9 minutes, 28 seconds XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX , due to high volume of calls, I was not able to get through and speak to anyone.
XXXX 6 minutes, 10 seconds XXXX 9 minutes, 25 seconds XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX . I was told that this was an attempt to collect on a debt, and all calls are recorded. That I owe {$260.00}. I went through the entire back story again. The same story I told on XX/XX/XXXX & XXXX, XXXX. That I did receive the letter. That I emailed XXXX XXXX XXXX XXXX XXXX XXXX a copy of my bank statement. I was informed that the paralegals and attorneys had gone over my account and that the letter I received was correct. That the letter showed that when XXXX XXXX XXXX XXXX XXXX XXXX received my account back from Midland Funding, LLC, it shows the correct balance. After going over it a few times and explaining that it does not show my payment to Midland Funding, LLC, that the amount I owe them is not correct. That I had sent in the bank statement I was asked to send in. At that time did she notice that my bank statement was in fact scanned into my account, but it had not been looked at until that moment I made her aware of the email I sent on XX/XX/XXXX. After she concluded that in fact my payment to Midland Funding, LLC does not reflect my actual balance. She told me that she would be sending my account with bank statement back to the paralegals/attorneys for my account to be looked at, and that they would contact Midland Funding, LLC to see why my payment didnt follow my account back. Told to call back in the beginning of the following week. She told me to go ahead and make my monthly payment and she would mark my account as to why it was late.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX XXXX, to inquire about the status of my account. Had Midland Funding, LLC gotten this taken care to reflect the payment that I had sent. I had to go through the entire backstory again. I was told my account had not been looked at by any paralegals/attorneys. That even though they had proof that I had made that payment, it would have to be Midland Funding, LLC to fix my account. And that their next step was that they would contact Midland Funding, LLC about my account. I asked them if it would be done faster if I called them myself. He said probably.
XX/XX/XXXX Day 22 since initial contact to XXXX XXXX XXXX XXXX XXXX XXXX to pay the remainder of my debt. I emailed this time line along with all my receipts of payments to XXXX XXXX XXXX XXXX XXXX XXXX. So they would have all the information as well as payment history to refer to when I call back.
XX/XX/XXXX {$66.00} monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Called Midland Funding, LLC at XXXX. I told them I was calling due to a debt that I have with them that they had sent to XXXX XXXX XXXX XXXX XXXX XXXX to oversee. I was told I owed {$130.00}. I explained the entire story to them again. About the missing payment. I was told that a special team was working on my account and that I would need to call back at XXXX EST, to speak to someone about it.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX, XXXX at XXXX. To inquire about my account. I was told that I owed {$130.00}. But my last payment would be {$66.00}. I told the gentleman that I when I hung up with him. I was making one more payment. The {$66.00} and I would not be making anymore payments.
XX/XX/XXXX I was able to get all 3 credit reports for myself. Midland Funding, LLC XXXX Midland Funding, LLC shows Closed on my credit report.
Date of last payment XX/XX/XXXX.
Date of last report XX/XX/XXXX At this time, my last payment was made XX/XX/XXXX. Owing {$130.00} Disputed XXXX, XXXX I didnt call until XX/XX/XXXX to pay the remainder of my debt off. At that time, the gentleman with XXXX XXXX XXXX XXXX XXXX XXXX continuously asked me if I was disputing the debt.
XXXX Midland Funding, LLC shows my account is disputed Date of last payment XX/XX/XXXX Date of last report XX/XX/XXXX, Owing {$130.00} XXXX Midland Funding, LLC Shows disputed Date of last payment Doesnt show the last payment I made Date of last reported XX/XX/XXXX, Owing {$130.00} I never disputed the debt as I had been making payments. But I didn't agree with the amount that I owed due to their error.
|
| 01/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This serves as a disclaimer that the following information is provided from the Securities & Exchanged Report for ENCORE CAPITAL GROUP , INC.
You indicated, in your securities report that you adhere to the following : Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Also, stated in your securities report is CFPB can conduct hearings, adjudication proceedings, and investigations, either unilaterally or jointly with other state and federal regulators, to determine if federal consumer financial law has been violated. The CFPB has authority to impose monetary penalties for violations of applicable federal consumer financial laws ( including the CFPA, FDCPA, and FCRA, among other consumer protection statutes ), require remediation of practices, and pursue enforcement actions. The CFPB also has authority to obtain cease and desist orders ( which can include orders for restitution or rescission of contracts, as well as other kinds of affirmative relief ), costs, and monetary penalties ranging from {$5000.00} per day for ordinary violations of federal consumer financial laws to {$25000.00} per day for reckless violations and {$1.00} million per day for knowing violations. Your company is in violation of several laws which includes but not limited to : SECURITES FRAUD, FTC ( FRAUD ) FDCPA, and CFPA laws.
On XX/XX/XXXX, a complaint was filed against XXXX XXXX XXXXXXXX requesting to OPT OUT of any and all authorizations to the reporting of my nonpublic personal information to anyone without my permission written or otherwise and any further sharing of my personal information would be in violation of my rights under the Privacy Act of 1974. Your company has not provided me with the companys OPT OUT, PRIVACY POLICY and PRACTICES regarding sharing of my nonpublic personal information with third parties. You indicated in your SECURITIES REPORT that the CFPB has issued guidance in the form of bulletins on debt collection and credit furnishing activities generally, including one that specifically addresses representations regarding credit reports and credit scores during the debt collection process, another that focuses on the application of the CFPAs prohibition of unfair, deceptive, or abusive acts or practices on debt collection and another that discusses the risks that in-person collection of consumer debt may create in violating the FDPCA and CFPA and that your activities are also subject to federal and state laws concerning identity theft, data privacy, and cybersecurity. The Gramm-Leach-Bliley Act and its implementing regulations require us generally to protect the confidentiality of our consumers nonpublic personal information and to disclose to our consumers our privacy policy and practices, including those regarding sharing consumers nonpublic personal information with third parties XXXX XXXX XXXXXXXX indicated on their website how they collect consumer information. They indicated, " they receive consumers information on applications and other forms ( i.e., name, address, SS, telephone number, and other relevant information ). What application or other form did I give you? I do not have a legal signed contract with your company. Your Privacy Policy makes to believe that you have a legal right to collect on this alleged debt as if I have a legal contract with you and I do not. You go on to state information you receive about my account transactions with you, your affiliates, or others including the original creditor. This may include information such as : account balance payment history and account activity. Again, what account do I have with you? 15 U.S.C. 1692e, prohibits Debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any Debt. Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any Debt. Section 807 ( 10 ) of the FDCPA, 15 U.S.C. 1692e ( 10 ), prohibits using false representations or deceptive means to collect or attempt to collect any Debt or to obtain information concerning a Consumer. You, XXXX XXXX XXXX are a " debt collector '' within the meaning of the FDCPA, 15 U.S.C. 1692a ( 6 ).
Also, included in the claim was a dispute on the VALIDITY of your right to collect on the ALLEDGED debt. I am not requesting a copy of the information that is in the SELLERs data file purchased by your company, I requested a copy of the Consumer -Level documentation of the alleged debt with wet signatures and if the alleged debt was purchased, proof of the chain title of the alleged debt ( i.e., from the original creditor to the current without a break in the chain, as well as, proof that you are legally licensed to collect debt in the state of LOUISIANA XXXX where I currently live. I also requested a CEAST and DESIST that all future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. As you can clearly see, this request has not been adhered to and you are in violation of the Telephone Consumer Protection Act ( TCPA ) 47 CFR 64.1200 ( 9 ) iii a-g., in which you clearly state in you SEC FORM 10-K that directly or indirectly apply to your business. On XX/XX/XXXX, the CFPB issued final rules in the form of a new Regulation F to implement the Fair Debt Collection Practices Act, which rules restate and clarify prohibitions on harassment and abuse, false or misleading representations, and unfair practices by debt collectors when collecting consumer debt. The rules included provisions related to, among other things, the use of newer technologies ( text, voicemail and email ) to communicate with consumers and limits relating to telephonic communications.
Your securities report also indicates your collection approach ( XXXX XXXX XXXX ( United States ) ) that you maintain domestic collection call centers in XXXX, Arizona XXXX XXXX. XXXX, Minnesota, XXXX, Michigan, and XXXX, Virginia and international call centers in XXXX, XXXX and XXXX XXXX, XXXX XXXX AND that you continuously educate account managers to understand and apply applicable laws and policies that are relevant in the account managers daily collection activities. Our ongoing training and monitoring efforts help ensure compliance with applicable laws and policies by account managers In connection with collecting or attempting to collect Debt, XXXX XXXX XXXXXXXX has made an excessive number of telephone calls and the calls were at times the company knew or should have known were inconvenient, and after receiving written notification to only communicate in writing. These continuous and inconvenient calls caused me to suffer emotional distress which constituted in unfair acts or practices in violation of Sections 1031 ( a ) and 1036 ( a ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) as well as, 15 U.S.C. 1692d ( 5 ), which specifically prohibits Debt collectors from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
I am requesting that ALL RECISSION OF DEBT COLLECTIONS CONTRACTS be removed immediately from my consumer file and MONETARY RESTITUTION for the multiple violations your company has taken against me by excessively calling after I explicitly stated contact should be in the form of a written notice. Please be advised, you have 4 days according to LAW to remove such items. Failure to do will result in filing a FEDERAL case against your company. Your company is liable under SEC to follow certain rules and I suggest you abide to the LAWS your company said you would adhere to.
CC : Securities & Exchange Commission Federal Trade Commission Governor of State of Louisiana CFPB Encore Capital Group Commission file number : XXXX : Encore Capital Group-XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX /s/ XXXX XXXXSenior Vice President, General Counsel /s/ XXXX XXXX, Executive Vice President, Chief Financial Officer and Treasurer /s/ XXXX XXXX, President, Chief Executive Officer XXXX, XXXX, XXXX Branch XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; /s/ XXXX XXXX /s/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX /s/ XXXX XXXX
|
| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Midland Credit Management has failed to correct and update my account information. They have repeatedly and intentionally reported inaccurate information regarding my account. They have violated the 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Below you will find a timeline of my attempts to update the inaccurate information with the credit bureaus and with Midland Funding/Midland Credit Management directly. XX/XX/XXXX - I disputed the Midland Funding/Midland Credit Management ( MCM ) account on my credit profile with XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - My mortgage lender informs me that all dispute verbiage must be removed from my credit profiles before our loan application can go through underwriting. XX/XX/XXXX - The dispute investigation should now be complete, yet it still shows PENDING and I never received any results. XX/XX/XXXX - I contact XXXX regarding the dispute notation Consumer disputes reinvestigation in progress. Consumer disputes this account information. I request this notation be removed as the investigation should have been completed on XX/XX/XXXX. I informed XXXX that I do not dispute this account or account information and XXXX removed the dispute notation as requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM reports to XXXX Consumer disputes this account information.
XX/XX/XXXX - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM re-reports Consumer disputes this account information. XX/XX/XXXX - I send a certified letter is to MCM requesting dispute notations be removed from all three of my credit profiles, as I do not dispute this account or account information. - ( LETTER IS ATTACHED )XX/XX/XXXX - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM re-reports Consumer disputes this account information. XX/XX/XXXX - I contact XXXX XXXX for assistance with removing the dispute notations from my credit profiles. I am assured that they can help me with the removal of the dispute notation before I sign up. XX/XX/XXXX - XXXX XXXX sends a legal challenge on my behalf to XXXX, regarding this account with Midland Funding/Midland Credit Management. - XXXX opens a new dispute : # XXXX ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - XXXX XXXX sends a Formal Debt Validation Request letter on my behalf to Midland Funding/Midland Credit Management. The letter requests a number of documentary items, as it is my right under the Fair Credit Collection Practices Act to request detailed information regarding any alleged outstanding debt. This letter did not contest facts or dispute this account with the creditor. XX/XX/XXXX - MCM reports Consumer disputes reinvestigation in progress Consumer disputes this account informationXX/XX/XXXX - I cancel my membership with XXXX XXXX, as they misinformed me during my initial consultation. - Midland Funding/Midland Credit Management sends me a letter which states : Dear XXXX, We have received and processed your dispute per Texas Finance Code. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found our information is correct. You have indicated that the following item ( s ) pertain to your account : Incorrect balance In order for us to further investigate your inquiry please provide the following documentation : Copies of contracts, bills, or statements showing amount owed and an explanation of disputed charges. In response to your dispute, we have requested that the three major credit bureaus change the status of this account to Disputed. Your credit report will not be updated if the federal credit reporting period has expired. XX/XX/XXXX - XXXX dispute : # XXXX is COMPLETE ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM updates account notation to Consumer disputes this account informationXX/XX/XXXX - I sent a certified Letter to MCM stating that I do not dispute this account or account information. I request the removal of the compliance condition code from my credit profiles. I also requested my account information be updated so that compliance condition codes are not re-reported. ( LETTER IS ATTACHED )XX/XX/XXXX - MCM sends me a letter which states : Dear XXXX We have received and processed your dispute per Texas Finance Code. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found our information is correct. You have indicated that the following item ( s ) pertain to your account : We are uncertain of what you are specifically disputing In order for us to further investigate your inquiry please provide the following documentation : Written explanation and documentation demonstrating any errors in our account information. In response to your dispute, we have requested that the three major credit bureaus change the status of this account to Disputed. Your credit report will not be updated if the federal credit reporting period has expired. *** It is unclear when and what I communicated to them, as they fail to provide that information and the investigation has already completed. *** ( LETTER IS ATTACHED ) XX/XX/XXXX MCM sends me a letter which states : Dear XXXX, Thank you for your recent communication. The information you provided has been received and documented accordingly. *** It is unclear when and what I communicated to them, as they fail to provide that information and the investigation has already completed. *** ( LETTER IS ATTACHED ) XX/XX/XXXX - MCM receives my certified letter. - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested onXX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM sends me a letter which states : Dear XXXX, This letter is in response to your request for a reporting adjustment. We have reviewed our records and instructed the credit reporting agencies to remove the previously reported dispute compliance condition. ( LETTER IS ATTACHED ) - MCM updates my account to Consumer disputes-reinvestigation in process XX/XX/XXXX - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM re-reports Consumer disputes this account information.
|
| 06/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/2021 I submitted a complaint, about Midland Funding LLC stating that I do not owe any debt. According to 15 USC 1692a ). As used in this subchapter ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection.
( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
( 7 ) The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.
( 8 ) The term State means any State, territory, or possession of the United States, the District of Columbia, the XXXX XXXX XXXX XXXX, or any political subdivision of any of the foregoing. The Account was closed due to the response of the company Midland Funding LLC stating that the debt was verified. According to 15 USC 1681a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
|
| 05/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Account XXXX Balance {$480.00} Since XX/XX/2019 I have been harassed without end night and day by the relentless collection agents of MIDLAND FUNDING LLC regarding debts, they have listed on my credit reports. The letters they flood my mailbox with tell me that they have filed multiple lawsuits against me in court even though I already mailed them several cease and desist letters to their correspondence address at XXXX. XXXX XXXX XXXX XXXX, CA XXXX along with separate notices advising that Im having to file a bankruptcy and Im getting together my filing fees. When I have tried to call and get general information about their company after their never ending repeat dialing from spoofed phone numbers I have been treated in the worst possible manner. Furthermore, when their expertly trained collection agents have been able to reach me on their outbound calls, they have been callous, caustic and horrifically verbally abusive to me. Along with telling me that my credit score is going to be beyond repair so long as they hold my past due accounts, several of their agents flat out tell me Im going to lose my home and get further bad credit if I dont show up in court because they have already filed a lawsuit and I will be served a summons. When I attempt to get more information about their company when I call, I have been called a liar by their reps who answer, and they get extremely agitated and demand my full social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face. When they call me they immediately demand my full name and ask me to give the last 4 digits of my social security number without even identifying who they are. I have had to do hundreds of reverse number look ups on the hundreds of phone numbers they spoof of other people 's phone numbers to harass me by calling me repeatedly back to back. I have been screamed at by both the male and female collection agents when I request to speak to a supervisor on their calls to me. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. I am afraid to leave my home most days because the agents tell me that Im going to be served with the lawsuit both at home and on my job, and that if I dont show up in court Ill go to jail and they win anyway for people who dont show up and that Im going to end up paying them twice the money you owe us now you pay us because we have your debt accounts now because you couldnt pay your bills man. I could not believe what I was hearing and when I asked if their outbound calls were recorded, on both occasions the collection agents from Midland hung up on me. The original creditor, lowered my credit limits without notice taking me right to the current balance and heaped on overlimit and late fees after I explained that lowering the limit to the current balance was abusive because even with my payment, the next interest rate assessment would put me back over the limit. When the XXXX customer service representatives told me that would have to pay the account in full immediately or just deal with it, I sent them a letter at XXXX. XXXX XXXX XXXX, FL XXXX them requesting them to stop calling me and sending me 5 to 10 text messages every day collecting on my accounts with them. In the notice I listed each account held by XXXX. I launched chat sessions on my accounts with them ( because the hold times were so long when I tried to call and when I did reach a rep they told me to pay the full balance because they were going to end up closing my accounts ). During the chat sessions I requested that they close my accounts and accurately report to the credit bureaus that I requested my own account closure. I explained that I would not be able to pay the accounts in full at one time but would have to seek bankruptcy protection due to the adverse actions placed upon me by their company and the demand from them for immediate payment of the balances in full. The chat reps confirmed my account closures online and when I called in to verify, an overseas phone representative told me the accounts were closed. Very shortly after receiving the cease/desist and notification of needing to file bankruptcy, they gave my accounts over to Midland Funding LLC and it has been an absolute nightmare. After dealing with the first 2 horrific experiences of being cursed at after demanding my social security number, verbally abused and hung up on I sent correspondence to XXXX at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, including copies of the same notices I sent to XXXX bank because I didnt understand why that paperwork wasnt transferred or why the accounts were not noted for no contact. I got a call a few weeks later and this time a very nasty young woman said We already have the judgement against you, dont worry honey, well get our money and she disconnected the call because I demanded to a supervisor because I didnt feel comfortable giving my SSN to anyone who wouldnt fully identify themselves and the company they worked for. A reverse phone look up tied the number back to Midland Funding LLC. As the ONSLAUGHT of harassment by phone and mail continued from Midland Funding LLC even after notifying of them of my intent to file bankruptcy and to stop contacting me, I uncovered that this is their standard practice of dealing with all accounts that are sold to them. I sent a follow up letter to them this time a both their XXXX XXXX XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX letting them know again of my bankruptcy intent and to black list my social security number and bar any accounts past, present, or future from any kind of contact. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. The calls, letters, and threats continued and each time I ask the collection agents what is happening to the letters Ive sent them they make snide remarks, one of their collection agents laughed at me and said nothing is on your account, we dont have any record of ever talking to you, weve already filed a lawsuit against you so youll be served any day now and likely go to jail because youre so far behind - you might as well just make a payment with me now, dont you have anyone you can ask to lend you the money to take care of the debts you owe? we have a few accounts in our office for you, its best if you resolve it with me because time is running out and youre going to lose if you try to fight this in court. It costs you and not us.. After realizing that I wasnt going to get anywhere with them I had to have my job change my phone number. Despite all of the information presented on their website, the Midland Funding LLC collection agency DOES NOT abide by acceptable debt collection practices. I have gotten calls from people I know saying that they are getting phone calls from people saying they are looking for me and when they ask the person to identify themselves the caller would say tell him to pay his bills! and hang in up in their face. When I get the numbers the unidentified callers are calling from, they always trace back to Midland Funding. They actively train their collection agents to deceive, threaten, and intimidate the people with accounts in their offices. The corporate leadership of this company clearly rewards their employees for operating with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into Midland Funding LLC including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against Midland Funding LLC, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents verbal abuse and coercion using lawsuits against me, intimidation and failure to abide by a cease and desist even after receiving notice of my intent to file bankruptcy.
|
| 05/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Account XXXX Balance {$330.00} Since XX/XX/2019 I have been harassed without end night and day by the relentless collection agents of MIDLAND FUNDING LLC regarding debts, they have listed on my credit reports. The letters they flood my mailbox with tell me that they have filed multiple lawsuits against me in court even though I already mailed them several cease and desist letters to their correspondence address at XXXX. XXXX XXXX XXXX XXXX, CA XXXX along with separate notices advising that Im having to file a bankruptcy and Im getting together my filing fees. When I have tried to call and get general information about their company after their never ending repeat dialing from spoofed phone numbers I have been treated in the worst possible manner. Furthermore, when their expertly trained collection agents have been able to reach me on their outbound calls, they have been callous, caustic and horrifically verbally abusive to me. Along with telling me that my credit score is going to be beyond repair so long as they hold my past due accounts, several of their agents flat out tell me Im going to lose my home and get further bad credit if I dont show up in court because they have already filed a lawsuit and I will be served a summons. When I attempt to get more information about their company when I call, I have been called a liar by their reps who answer, and they get extremely agitated and demand my full social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face. When they call me they immediately demand my full name and ask me to give the last 4 digits of my social security number without even identifying who they are. I have had to do hundreds of reverse number look ups on the hundreds of phone numbers they spoof of other people 's phone numbers to harass me by calling me repeatedly back to back. I have been screamed at by both the male and female collection agents when I request to speak to a supervisor on their calls to me. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. I am afraid to leave my home most days because the agents tell me that Im going to be served with the lawsuit both at home and on my job, and that if I dont show up in court Ill go to jail and they win anyway for people who dont show up and that Im going to end up paying them twice the money you owe us now you pay us because we have your debt accounts now because you couldnt pay your bills man. I could not believe what I was hearing and when I asked if their outbound calls were recorded, on both occasions the collection agents from Midland hung up on me. The original creditor, lowered my credit limits without notice taking me right to the current balance and heaped on overlimit and late fees after I explained that lowering the limit to the current balance was abusive because even with my payment, the next interest rate assessment would put me back over the limit. When the XXXX customer service representatives told me that would have to pay the account in full immediately or just deal with it, I sent them a letter at XXXX. XXXX XXXX XXXX, FL XXXX them requesting them to stop calling me and sending me 5 to 10 text messages every day collecting on my accounts with them. In the notice I listed each account held by XXXX. I launched chat sessions on my accounts with them ( because the hold times were so long when I tried to call and when I did reach a rep they told me to pay the full balance because they were going to end up closing my accounts ). During the chat sessions I requested that they close my accounts and accurately report to the credit bureaus that I requested my own account closure. I explained that I would not be able to pay the accounts in full at one time but would have to seek bankruptcy protection due to the adverse actions placed upon me by their company and the demand from them for immediate payment of the balances in full. The chat reps confirmed my account closures online and when I called in to verify, an overseas phone representative told me the accounts were closed. Very shortly after receiving the cease/desist and notification of needing to file bankruptcy, they gave my accounts over to Midland Funding LLC and it has been an absolute nightmare. After dealing with the first 2 horrific experiences of being cursed at after demanding my social security number, verbally abused and hung up on I sent correspondence to XXXX at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, including copies of the same notices I sent to XXXX bank because I didnt understand why that paperwork wasnt transferred or why the accounts were not noted for no contact. I got a call a few weeks later and this time a very nasty young woman said We already have the judgement against you, dont worry honey, well get our money and she disconnected the call because I demanded to a supervisor because I didnt feel comfortable giving my SSN to anyone who wouldnt fully identify themselves and the company they worked for. A reverse phone look up tied the number back to Midland Funding LLC. As the ONSLAUGHT of harassment by phone and mail continued from Midland Funding LLC even after notifying of them of my intent to file bankruptcy and to stop contacting me, I uncovered that this is their standard practice of dealing with all accounts that are sold to them. I sent a follow up letter to them this time a both their XXXX XXXX XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX letting them know again of my bankruptcy intent and to black list my social security number and bar any accounts past, present, or future from any kind of contact. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. The calls, letters, and threats continued and each time I ask the collection agents what is happening to the letters Ive sent them they make snide remarks, one of their collection agents laughed at me and said nothing is on your account, we dont have any record of ever talking to you, weve already filed a lawsuit against you so youll be served any day now and likely go to jail because youre so far behind - you might as well just make a payment with me now, dont you have anyone you can ask to lend you the money to take care of the debts you owe? we have a few accounts in our office for you, its best if you resolve it with me because time is running out and youre going to lose if you try to fight this in court. It costs you and not us.. After realizing that I wasnt going to get anywhere with them I had to have my job change my phone number. Despite all of the information presented on their website, the Midland Funding LLC collection agency DOES NOT abide by acceptable debt collection practices. I have gotten calls from people I know saying that they are getting phone calls from people saying they are looking for me and when they ask the person to identify themselves the caller would say tell him to pay his bills! and hang in up in their face. When I get the numbers the unidentified callers are calling from, they always trace back to Midland Funding. They actively train their collection agents to deceive, threaten, and intimidate the people with accounts in their offices. The corporate leadership of this company clearly rewards their employees for operating with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into Midland Funding LLC including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against Midland Funding LLC, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents verbal abuse and coercion using lawsuits against me, intimidation and failure to abide by a cease and desist even after receiving notice of my intent to file bankruptcy.
|
| 12/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Midland funding- old account, re aging debt thats not mines and not validated properly, was deleted and now back on my credit. No contract. Not authorized to collect debt in Louisiana.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
|
| 06/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I am writing to file a formal complaint against Midland Funding LLC. for predatory collection practices, collecting funds from me and using personal data to dig up more charge off debts to keep extorting payment with ill obtained false judgements with court insiders.
Facts : Midland Funding LLC. Has used predatory collection tactics, against me to obtain default judgements and then force payments. They have used the legal system to threaten, and they act like they were doing me a favor by offering me a reduced payment on me to pay for 2 credit cards with XXXX that had already been charge off accounts by XXXX and XXXX XXXX. I did not know any better and just gave them a pre authorized check that I honestly thought I was curing my last credit cards that had gone bad due to unemployment. But I believed them and I thought this was better then filing bankruptcy and I even have letter that shows they were settled. In XXXX I received a call about new default judgement and I hit the roof. I wrote to them and disputed the charges. Yet to no avail. I have disputed the debt but they know the people in the court so this time I was at my worse financially. I did not think they would obtain anything, because sadly I have been financially insolvent, barely making enough to pay rent, food even with food stamps, student status because I could not get any jobs due to the judgements against me, coupled with anxiety and could not get over so much loss/crisis. Yet this company is thriving by abusing families, they got a default judgement without properly notifying me or PROVIDING PROOF OF THE DEBT. They have lawyers, clerks and people working the system. They act with no regard or fear of being checked, because they know I don't even have the money to pay for a lawyer or the filing fee. This is a disgrace, that I go to the court and I can't do anything. Today I thought I would reach out to your group in hopes for justice. Here are the details : Case Midland Vs. XXXX XXXX Original Creditor is XXXX-XXXX : ending XXXX Acct opened XXXX Date Account Charged off : XX/XX/XXXX Default Judgement : {$2500.00} On XX/XX/XXXX I requested SUBSTANTIATION PROOF OF DEBT received no response from them.
On XX/XX/XXXX. I Received a ( NOTICE OF LEVY- ENFORCEMENT OF JUDGEMENT ) copy of a recently court filing form EJ-150 of the same judgement but now it is for $ XXXX-READS notice of Execution of Money File XXXX-original court case XXXX.
They know I live in XXXX, they have my address because it arrived. Yet they Filed in XXXX Courthouse XXXX XXXX XXXX. with signed levying officers listed as County Sheriff Civil Division XXXX by XXXX XXXX of XXXX XXXX XXXX # XXXX registered process server.
I made the mistake of paying them for two credit cards, XXXX XXXXXXXX that went into charge off status due to loss of employment, loss foreclosure of my home in XXXX in XXXX. At that point, I was doing my best to settle things with creditors because I was in financial crisis. I wrote to all my creditors ( attached letters ) directly and paid the credit cards I owed by making direct settlements with credit cards companies.
I also did a Died in Lieu of Foreclosure with XXXX XXXX XXXXXXXX, they agreed to charge off the XXXX XXXXfirst loan, {$53000.00} for second loan and one final remaining credit card with XXXX, it is noted on my credit report ( see recent credit report attached ). They consequently denied this agreement and turned it into a foreclosure but gave me charge offs on all the debt due to the HARP guidelines. My credit was ruined, XXXX XXXX filed a Judgement and I paid, Midland Funding found a way to squeeze out {$2000.00} out of my promising that they would not file judgements against me, they claimed they had been hired by my credit card companies. I did not know any better so I paid them. ( I can provide checks once I get from bank ).
I wrote letters to XXXX XXXX XXXXXXXX, to get my final relocation {$1500.00} but no luck. I was stuck in a rural area now, no job and in XXXX when they sent me a letter to pay the above credit debt, I demanded proof. I had after all lost my dignity, job, all my 401k, filed for unemployment, forced to apply for welfare to survive. I did not think moving to XXXX XXXX with {$1500.00} of the original deal to keep only one house would have been possible ; but a Lawyer from XXXX XXXX XXXX XXXX assisted me. I tried to apply for similar jobs, and could not obtain employment, filed for Welfare, became financially insolvent, have lost everything and have no money for anyone to levy ; not even me. I have been working for the last 5 years barely providing basic needs for my XXXX XXXX XXXXXXXX, XXXX, XXXX ; I have gotten divorce and on XX/XX/XXXX I received a copy of a " Money Levy from Midland Funding. '' They should not be allowed to operate in this manner.
I looked through my papers and it turns out that I have paid them over {$2000.00} and received a letter regarding the Judgement in question. As I had suspected, I settled two of the credit cards with them for XXXX and XXXX again two different credit cards. They now want to squeeze more blood, but there is nothing left.
They have gone out and purchased some OLD CHARGED OFF debt from XXXX XXXX after they promised that they would not file DEROGATORY legal judgements against me. WRONG, Midland Funding LLC, lied they are experts at their craft.
They intimidated me in to paying the two previous debts which were probably not even valid and now they are coming after me again. This is unfair and they deserve to be held accountable by someone.
I do not owe Midland Funding or have a credit card contract with their client XXXX They were not able to validate the debt, and when I refused to be taken advantage again, because my credit was still showing all those judgements plus a foreclosure, they decided to pay the courts to obtain a default judgement in XXXX. Both cities that they have contacts, with the people there facilitate their paper filings.
In addition, I have called them and disputed these charges repeatedly over the phone, in writing but they will not stop filing more forms with the court, harrasing me, using the courts to bring a judgement on a debt they have no proof I owe them.
I have copies of the settlement letters from them, I went into default on my credit cards, and later experienced more financial hardship ; I took responsibility for my wrongs. I have paid my DEBTS, it has been 5 years of ABSOLUTE XXXX, crisis and this company is ruthless they will not leave me alone. They deserve to be fined themselves for the tactics they use with the courts to obtain wage garnishments for debt that has been charged off.
I request that they be investigated, prosecuted themselves because I have no powe4r against them. I went to my local court and asked them for help on this and have tried to go to the XXXX XXXX XXXX Self help but they say I need to go to XXXX California which is 12 hours south of here. This is EGREGIOUS behavior!
Moreover, I pulled my credit report as a result of this and during the time period they claim this debt is from is too old. It is not listed as one of my accounts. I also have copies of the settlement letters I wrote to ( my creditors see attached ). I have also kept copies of the letters that Midland sent me with copies of credit cards that had already gone to judgement but they told me they ha settled accounts I had with them. They obviously had my address, contact but they failed to communicate because they knew they had the judgement, which was easier then to verify the debt because they do not have a way to pull the original contract.
I know I have made some mistakes dealing with credit, but did the best given my situation to settle and make workouts. Life happens to all of us. I am not a crook. It has been years of trying very hard to survive, living below poverty level, using free, donated items, getting mental health, and now after 5 years this company is coming to garnish my wages because they were given a default judgement with no proof of the debt. This is unfair and I implore you do something about this this company, they are a cancer, they need to be investigated and stopped. How can they get these default judgements, abuse working citizens and make money? Who are they paying to process these documents without proof of the these old charged off debt?
Please help me I can be reached at XXXX.
|
| 08/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
NEW updated information NOTICE I claim harm by way of trespass, FRAUD and Breach of consumer Right to Privacy.
Notice, it is a fact pursuant to 15 USC 1692 ( a ) congress states there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Congress also states that abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
YOU BROKE THE LAW I HAVE THE RIGHT TO PRIVACY.
It is a fact, pursuant to 28 USC 3002 ( 15 ) ( A ) the term " United States '' means a Federal Corporation.
It is a fact, I am a federally protected consumer a natural person pursuant to 15 USC 1692a ( 3 ).
It is a fact, I am the originator, the original creditor who regular extends credit creating a debt pursuant to 15 USC 1692a ( 4 ).
It is a fact, pursuant to 15 USC 1692a ( 5 ) the term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
Notice, it is a fact pursuant to XXXX XXXX XXXX ( XXXX ) Midland Credit Management is stating i the consumer a natural women is obligated to pay. I disagree. This is an alleged obligation. My consumer credit transactions were primarily for personal, family and household purposes which is the legal definition of debt.
It is a fact, Midland Credit Management is a debt collector pursuant to 15 USC 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another is in fact a debt collector.
It is a fact, pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt. In fact, this is a violation of my consumer rights. See Exhibit It is a fact, pursuant to 15 USC 1692b ( 5 ) Midland Credit Management shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in t
he debt collection business or that the communication relates to the collection of a debt. In fact, this is a violation of my consumer rights. See Exhibit It is a fact, Pursuant to 15 USC 1692e ( 2 ) Midland Credit Management is attempting to collect on an alleged debt that is in the positive amount. Which in fact is a false representation of the character amount or legal status of any debt.
It is a fact, pursuant to 15 USC 1692e ( 2 ) ( a ) - The character is incorrect it should be negative.
- The amount is incorrect correct it should be negative. I can't pay something in the positive amount.
It is a fact, pursuant to 15 USC 1692e ( 10 ) Midland Credit Management unlawful, deceptive, misleading representative and unfair business practices can not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. In fact, this is a violation of my consumer rights. See Exhibit It is a fact, pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( g ) requires Midland Credit Management to validate and verify ; ( 1 ). The amount of the debt ; ( 2 ). The name of the creditor to whom the debt is owed ; ( 3 ). a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ). A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
It is a fact, pursuant to 15 USC 1692g ( b ) if any portion of debt is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I am requesting a full account ledger to validate and verify alleged debt.
Please do so under penalty of perjury or a sworn affidavit to prove lawful and valid claim.
Violation of consumer right to privacy It is a fact, pursuant to 15 USC 6801 ( a ) - Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please produce or provide a written consent or authorization form to prove contractual agreement. Failure to comply with federal laws or obligations leads me to believe you may be committing FRAUD and invasion of individual Privacy and shall incur a penalty or criminal liability of 111,000 for damages.
It is a fact pursuant to 15 USC 6801 ( b ) ( 1 ) ( 2 ) ( 3 ) Midland Credit Management have violated my consumer rights to privacy by using my nonpublic personal and financial information without consumers consent or Authorization.
It is a fact, pursuant to 15 USC 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Notice pursuant to 15 USC 1692h I the consumer the original creditor in accordance with my direction. I am requesting a full payment of {$960.00} in the form of a check payable to see attachment for payment details.
It is a fact, pursuant to 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ; ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
It is a fact, Pursuant to 15 USC 1681b ( 2 ) I did not consent to or authorize Midland Credit Management to furnish anything on my consumer report, consumer file or credit report. I am demanding this account be removed or deleted from ALL my consumer reports, consumer files and ALL credit reporting agencies immediately.
MCM # : XXXX Creditor : XXXX XXXX XXXX XXXX.
Account # : XXXX Regards, XXXX XXXX Copy to ; Registered agent Midland Funding LLC Office of Attorney General Consumer Protection Department Consumer Response Center Federal Trade Commission XXXX XXXX XXXX
|
| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XXXX I filed a dispute with midland credit management, dispute number XXXX requesting specific information to validate this debt ( See ) ( Attachment ) ( X-1 ) ( X-1-2 ). Under Regulation F which requires Midland credit Management to furnish this specific information and answers to my questions, which is required by law, which they did not. On XXXX I received Midland Credit Managements response. I am disputing the validity of their responses as well as the validity of this debt.
Midland states that they purchased and or acquired the debt on XX/XX/XXXX ( See ) ( Attachment ) ( X-2 ) midland also provided a statement from XXXX XXXX dated XX/XX/XXXX ( See ) ( Attachment ) ( X-3 ) that states midland acquired the debt on or about XX/XX/XXXX. Midland has shown willful intent in its misleading statement to the CFPB on the acquired debt date. Midland is in violation of regulation F. Further, what is the ONE Itemization date Midland is claiming to use required by regulation F? They have not clearly provided that date as the basis for any of their claims against me.
I requested that midland furnish when the last payment was made to the original creditor, it did not provide that date. Midland states the first date of delinquency was XXXX how did midland come to that conclusion? When was the debt considered thirty days past due? From the billing statements provided by midland page 17 of the pdf. the Last payment was made on the account onXX/XX/XXXXwith a statement date from XXXX to XXXX ( See ) ( X-4 ). Those dates make it impossible for the first 30-day delinquency to be on XXXX. When is the statute of limitations, how did they come to that date, midland failed to address those question as well or provide proof of that date. Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F.
While midland maintains that the original contract as well as the complete payment history and full billing statements are not required under the FDCPA. It must provide the first original billing statement from the original creditor validating the time the account was opened or the original application that states when the account was approved and what address it was opened at. This is needed to validate that the account is mine in the first place as random billing statements do not validate the debt. They have supplied neither of these documents. The first billing statement provided by midland was XXXX to XXXX with an address of XXXX XXXX XXXX XXXX XXXX Idaho, is this where the original account was opened? ( See ) ( W-1 ). Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F. Further, since midland bought the debt and no longer has the authority from the original creditor all the evidence midland has provided is hearsay in a court of law.
Midland States information by the seller XXXX XXXX bank N.A. at the time of Acquisition with no proof indicates this account originated on XX/XX/XXXX. Where is that document? What state was that opened in and what address? Midland has shown willful intent with its misleading statements to the CFPB. Midland is in violation of regulation F. further ; midland has provided No Date of birth for the account in question nor the phone number or address which it verified to be accurate that is associated for this account. ( See X-2 ) Midland states the account was charged off on XXXX. Where is the charge off statement that verifies this date? Midland supplied a billing statement dated XXXX to XXXX nowhere on this statement does it indicate that a valid charge off was completed. ( See ) ( X-5 ) ( X-6 ) Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F.
Midland states that on XXXX it sent me a validation letter. Why would midland send a validation letter that I did not request, did I open a dispute with midland? no. Where is a copy of this validation letter? Under regulation F midland is required to maintain all records for this exact reason. To what address did you send it to? The address on the billing statements received by midland from dispute XXXX show an address of XXXX XXXX XXXX. XXXX, WA XXXX ( See ) ( X-5 ) as well as XXXX XXXX XXXX XXXX XXXX Idaho XXXX ( See ) ( W-1 ). While midland maintains the piece of mail it sent and was not returned what proof does it have it even sent the letter, what address did it send it to? Is the occupant at the addresss if any required to return to sender if the person in question does not live there, did they mark return to sender and Midland ignored it? Midland has not satisfied that I received the mail it says I did i do not live at those addresses. Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F.
I requested that midland furnish their authority to collect the debt in state of Washington with the date of the license, the name on the license, the license number, and name, address and telephone number of the state agency issuing the license. They did not provide this information to me which is required by law. Instead, midland states that I should rest assured they are. Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F.
Washington state RCW 19.16.110 License required.
No person shall act, assume to act, or advertise as a collection agency or out-of-state collection agency as defined in this chapter, except as authorized by this chapter, without first having applied for and obtained a license from the director.
Nothing contained in this section shall be construed to require a regular employee of a collection agency or out-of-state collection agency duly licensed under this chapter to procure a collection agency license.
Midland states ( See ) ( X-2-1 ) that on XXXX this account was placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX Oregon XXXX. Midland states XXXX XXXX initiated a demand letter on XXXX, where is a copy of this demand letter? What address did they send it to? What authority does XXXX XXXX have to collect the debt in state of Washington? What is the date of the license, the name on the license, the license number, and name, address and telephone number of the state agency issuing the license For XXXX XXXX? Midland also states a Lawsuit was filed on XXXX By XXXX XXXX. I was never served with any registered mail or service of process for this lawsuit which is required by law. Further, I am assuming that the registered mail or the service of process was not executed because I did not live at either address, the lawsuit was not valid, if it was filed it is frivolous and without merit. The statement that midland notified me of the original debt validation letter on XXXX ( See ) ( X-2 ) that I did not request they send is invalid and in violation of regulation F. as they would know as the lawsuit was not properly served therefore invalidating that they notified me at the correct address for the original validation letter they sent on XXXX, What address did you send it to? What state and county was the suit served in. Where is a copy of this letter that you are claiming I was served and sued for? Was there a judgment? What was the judgement? Under regulation F midland must provide this information. XXXX XXXX has shown willful intent in its misleading statement on behalf of Midland credit management to the CFPB. Midland is in violation of regulation F. as well as XXXX XXXX. Further, this account from the original creditor does not show on any of my credit reports, only midland credit agency.
In closing Midland funding has NOT validated this debt as mine, due to the numerous reporting inaccuracies as well as the false statements made by Midland funding credit management. Midland Credit management has made many severe accusations toward me and violated my rights and harmed my credit. Regulation F was not followed, and midland credit management has demonstrated that the law does not apply to them. To avoid further litigation, all Collection on the account must cease and desist, and the negative trade line must be removed from the XXXX, XXXX, XXXX.
|
| 01/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Firm Name to investigate/Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Phone : XXXX Staff member who threatened me and contacted various people in my community : XXXX XXXX DEBT Information : The debt in question was settled on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX who purchased the debt from the original creditor, XXXX XXXX XXXX XXXX. I do have a Letter of Settlement from XXXX XXXX XXXX XXXX XXXX and had previously provided and notified all credit repositories in writing and via email.
This company 's tactics needs to investigated -- so far I have been verbally threatened with arrest, legal action and law suits, arrest, garnishment of wages, AND this company representative has phoned people within my community spreading slanderous statements.
I have been provided NO proof of this debt -- this XXXX XXXX only wants me to pay over {$1400.00} " over the phone immediately '' to avoid arrest, law suits, placing liens against my car and legal fines exceeding $ 20K.
On Friday, XX/XX/XXXX-- I received four consecutive phone calls between XXXX XXXX and XXXX XXXX -no message was left until at XXXX. The XXXX XXXX the voice message threatened legal action on an old debt PREVIOUSLY SETTLED on XX/XX/XXXX with another company.
The phone calls originated from : XXXX. The message was left by XXXX XXXX with NO firm name or recognizing information.
The employee of XXXX, XXXX XXXX, referenced a file : XXXX On Saturday, XXXX XXXX at XXXX XXXX EST -- I was told by two different people residing my community and has the same surname as my maiden name that XXXX XXXX has telephoned them stating that I owe money and he is " hunting '' me to arrest for outstanding debts.
I have never provided any type of verbal permission or power of attorney to him OR his firm to contact anyone to discuss this fraudulent debt issue.
Background -- On Friday, XX/XX/XXXX at XXXX XXXX EST, I returned the call to XXXX XXXX XXXX to find out the basis of such an ominous threatening message finally left for me at XXXX XXXX EST.
First Call Back at XXXX XXXX XXXX -- I phoned back and was told to leave a message.
At XXXX XXXX I was phoned, again, by someone named XXXX XXXX who indicated that he was an attorney working in the " Pre-Legation Department '' of XXXX XXXX XXXX who was seeking immediate payment of {$1300.00} for payment of an old debit to XXXX XXXX XXXX XXXX.
I explained that the debt had been settled and I could provide the Letter of Settlement.
I then began asking questions about his company - What was the Federal ID Number or Corporation ID? What state was he calling from? What was the formal name of the corporation? What was the name of the law firm with which he is working? When did he pass the bar? Also to please clarify if he is an attorney or a paralegal or what?
XXXX XXXX became enraged -- shouting and threatening me. He told me that I would be served papers unless I paid immediately and he had done an asset search on me so he planned to garish my wages, place a lien on my little XXXX, take me to court and I would have to pay at least $ 10- $ 20K in fines and penalties.
I advised him that he should not be speaking to me this manner and I needed some information about his company first so I could provide to my attorney to straighten everything out. He became even more enraged, screaming at me that he wanted the name of my attorney. I told that I first needed the information about his firm -- XXXX XXXX then hung up on me and ended the conversation.
This conversation lasted 3 minutes from start to finish according to my phone timer.
Second Call Back at XXXX XXXX EST - I phoned back -- I was still calm and wanted to resolve the issue and provide the Letter of Settlement.
XXXX XXXX was again reconnected with me via the phone even though I asked for his supervisor OR anyone else to discuss the situaton. I calmly explained to XXXX XXXX, again, that I understood that his company probably purchased a package of unsecured debts as I was beginning to understand how the debt market worked and in my case, I could easily provide payment BUT I needed information about his firm.
I then read the Settlement Letter to XXXX XXXX who, again, began screaming and threatening me with arrest stating the Letter of Settlement was unacceptable. I asked him to calmly explain what was wrong with the letter and, if necessary, I would reach out to the previous debt collection company to request a revised letter to meet his CA law firm. Then XXXX XXXX, again, lost his temper, screaming and began threatening me with lawsuits, garnishment of wages, arrest actions etc. He told me that he was recording our conversation and I responded by telling him that I was also recording the conversation. XXXX XXXX then hung up on me a second time.
This conversation lasted appox. 11 minutes in duration according to my phone timer.
Third Call -- At XXXX XXXX I once more phoned back a third time trying to resolve the problem -- still very calm and I was then connected to a staff person named " XXXX. '' I explained to " XXXX '' that I wanted to provide their firm with the Settlement Letter that I had just read to XXXX XXXX who has a very bad temper and who, in my opinion, requires extensive consumer counseling.
I told " XXXX '' that XXXX XXXX would NOT provide their company mailing address or any information about the company and kept hanging up on me. " XXXX '' told me that he worked in a different suite that XXXX XXXX. XXXX 'XXXX suite number is XXXX and XXXX XXXX ' suite number is XXXX.
" XXXX '' said that he did not know anything about corporate or federal ID numbers.
I asked XXXX to have the company mail any document they have reflecting that I owe money on this account and confirmed my mailing address.
I also asked " XXXX '' to put a note in the file that XXXX XXXX was NOT to contact me by phone but only contact me in writing. I added that I looked forward to clearing up any issues AND would double check with credit reporting repositories after the holiday weekend to ensure everything was accurately reflected within my credit report.
" XXXX '' did provide an address for the firm for me to send information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On Saturday, XX/XX/XXXX at XXXX XXXX EST -- I was told by two different people residing my small local town/community and who have the same surname as my maiden name that XXXX XXXX has telephoned them stating that I owe money and he is " hunting '' me to arrest for outstanding debts.
I have never provided any type of verbal permission or power of attorney to him OR his firm to contact anyone to discuss this fraudulent debt issue.
It appears that he is randomly phoning people in my little community spreading slander in his rage.
This man frightens me! He has all this information about me and I know virtually nothing about him.
This company 's tactics needs to investigated -- so far I have been verbally threatened with arrest, legal action and law suits, arrest, garnishment of wages, AND this company representative has phoned people within my community spreading slanderous statements.
I have been provided NO proof of this debt -- this XXXX XXXX only wants me to pay " over the phone immediately '' to avoid arrest, law suits, and fines exceeding $ 20K Local FL attorneys reviewed the situation and advised me that this company is a scam and I should report to your agency.
These people need located and appropriately fined under the federal and states laws for threatening bully tactics, not providing any proof of payment and for contacting other people about this issue spreading slanderous lies.
This company representative has verbally threatened me with arrest, legal action and law suits, arrest, garnishment of wages, AND this company representative has phoned people within my community spreading slanderous statements.
For all I know, this company is pretending to be a law firm and this person is impersonating a lawyer.
I have been provided NO proof of this debt -- he only wants me to pay " over the phone immediately! '' I want a letter of apology and to know that his firm will be investigated and fined by the States of California AND Florida.
|
| 06/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this a ction might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit re ports, ( which it already has ). I wi ll consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action . CREDITOR/DEBT COLLECTOR DECLARATION Plea se provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards, XXXX XXXX , cc Federal Trade Commission
|
| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. The following are the federal laws that they broke.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
|
| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED.
PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit.
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) XXXX XXXX Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt.
FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) XXXX XXXXXXXX XXXX is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.
( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.
Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.
abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy.
communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem.
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications.
Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me.
I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.
15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title.
( B ) OPT OUT ( 1 ) in general, a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine.
15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX XXXX XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX.
provided in this subchapter a financial institution or creditor may not directly or through any affiliate disclose to a nonaffiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) opt out one in general a financial institution or debt collector may not disclose nonpublic personal information to nonaffiliated third parties unless hey such financial institution or debt collector clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party B the consumer is given the opportunity that such information is and neatly disclosed to direct that such information may not be disclosed to such third parties and ( C ) the consumer is giving an explanation of how the consumer can exercise that non-disclosure option THIS IS HARASSMENT AT ITS GREATEST IM AM AFFRAID AND IN DURESS I NEED HELP PLEASE THESE LAWS SHOULD HELP ME AND IT SEEMS THAT CONSUMER LAW IS BEING USED AGAINST THE ONES IT SHOULD BE HELPING
|
| 11/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX- XXXX received a XXXX XXXX XXXX from me. It required Midland to provide the following : The Following information is required. Please fill out the form below in its entirety.
Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased?
Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Midland Credit Management the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any Judgements been obtained by any creditor regarding this account?
Yes No Please provide me the name and address of the bonding agent for Midland Credit Management, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
The Letter also stated : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago.
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification.
Furthermore pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
You, Midland Credit Management, have no right under the law to send me any type of communication whatsoever. Cease and Desist all communication immediately.
Furthermore You, Midland Credit Management are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that you are implementing yourself.
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) I never received the requested information. They just simply stated that their claims are valid.
ON May 26, 2023 - I mailed another letter stating the following : Midland Credit Management, you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.
Citibank understood this, which is why they are not on my consumer report.
15 USC 1681 s-2 Says you, Midland Credit Management is a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
You, Midland Credit Management, are not the lender.
15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) The information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
There has been no resolution and they continue to report on my credit report and consumer report.
Also on XX/XX/XXXX it was reported that a new address was added to my credit report by Midland that I never lived at : XXXX XXXX XXXX, XXXX, GA XXXX
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Midland Credit Management , Inc. are committing fraud and violating my rights to privacy by continuing to ignore the Cease and desist all communications to me and the CRA 's ( XXXX, XXXX, and XXXX ). They sent me bs printed off statements and bill of sales from their conspirators ( XXXX XXXX and XXXX ) committing tax fraud by profiting of my income after they allegedly charged off the debt. The bill of sale is not still proving that they purchased your particular account. ( XXXX ) entered into an account purchase and sell agreement. Where is that agreement? Where is this so called file where purchased showing your particular account number? What were the terms and conditions of the agreement? What if in the terms of the agreement that the original creditor said they the info is as is and they dont guarantee accuracy. A bill of sale is still not proof of evidence that you owe the debt. A bill of sale is still not proof of evidence that you owe the debt. Im asking for a purchase agreement from them and the original creditor which shows not only the terms and conditions but also how they accumulated the interest of that amount. Or delete the accounts. /Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX XXXX the undersigned affiant, a living man declare that I am of majority and competent to state the matters set forth herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence -Senate Document No. 43, 73rd Congress The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. -Congressional Record, XX/XX/XXXX on HR 1491, p.83 Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. -Title 18 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. -FRNs are obligations of UNITED STATES : HJR 192 : The term obligation means Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. -Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt. -Title 31 3123. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve Notes are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. -The Constitution does not give we, the people rights. It forbids the government to ignore the God given Rights of the people, as seen in the 9th Amendment : The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people. In addition, the 10th Amendment : The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people. -It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report ( a ) General Rule. On or before XX/XX/XXXX of each calendar year after XXXX, the Secretary of the Treasury shall submit a report to the Committee on Ways and Means of the House of Representatives and the Committee on Finance of the Senate on ( 1 ) the Treasurys public debt activities, and ( 2 ) the operations of the Federal Financing Bank. For whatever reason we can associate with their actions and reasons they did so, we may benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. -In fact, by the 14th Amendment, 4, we need people to create credit instruments. We must also Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRNs ) as legal tender are debt notes, an insufficient number exist, for their repayment in kind, will not cover the interest owed. Using FRNs to pay debts only increases the government obligations on debt by their creation. -As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States , and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations. The unconstitutionality of said act is expressed in Congress own words : a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by Congress, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. Senate report 93-549 XX/XX/XXXX. Therefore, and per the above, let them Midland Credit Management , Inc., XXXX XXXX, and XXXX settle the claims and close this account as paid in full for and which I do hereby give my permission. I do declare my willingness to offset public debt by accepting and returning for value, my private debts that created new currency into circulation and indebted the government there.
I want the Purchase Agreement and Chain of Title.
15 U.S.C 1692e ( 2 ) ( A ) - false representation of the amount. Which equates to {$1000.00} in statutory damages.
Credit cards are non negotiable instruments which means they can't be sold or bought '' so they didn't buy the debt. They bought my private information and are committing aggravated Identity theft. Uniform Commercial Code Article 3 governs negotiable instruments : drafts ( including checks ) and notes representing a promise to pay a sum of money, and that have independent value because they are negotiable.
|
| 02/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Funding LLC by its Servicing Agent Midland Credit Management Inc, represented by XXXX XXXX XXXX, SC in XXXX, WI filed a lawsuit against my name for a credit card debt that was previously owned by XXXX XXXX. They filed the lawsuit on XX/XX/XXXX. I was never notified of the debt or the lawsuit as it was in the name of a XXXX XXXX with an address and phone number that was not mine. I was never served, but was contacted by the process server as he said that my social security number was connected to the account. I am not sure how he knew that information. I appeared at the first hearing on XX/XX/XXXX, where a court commissioner served me at the hearing. I informed the commissioner that the debt was not mine, that I did not live at the address nor did I have the phone number that Midland had on file. Commissioner asked XXXX XXXX XXXX to verify the debt. Hearing was once again adjourned until XX/XX/XXXX. XXXX XXXX XXXX then mailed me their " verification '' on XX/XX/XXXX. Their verification consisted of a XXXXXXXX XXXX Bill of Sale to Midland, a Purchase Price Reconciliation, where all but 4 boxes where blacked out and none of the information revealed proved that the debt belonged to me. It also looked like it was created in XXXX or a spreadsheet software. I also received a XXXX Statement, which once again was blacked out on all but 3 spaces, looked like it was created in XXXX, and did not prove that the debt belonged to me. Then I received a copy ( or computer printout ) of an Affidavit of Sale, from XXXX XXXX in MN claiming to be an employee of XXXX XXXX, and notarized by XXXX XXXX XXXX, who is an employee of XXXX XXXX in MN. which was dated XX/XX/XXXX. Researching the names, XXXX XXXX of Minnesota, is NOT an employee of XXXX XXXX and she said she has never been an employee of XXXX XXXX. Another sheet attached was a Certificate of Conformity, which was also dated XX/XX/XXXX. I received 2 pages of a supposed XXXX XXXX XXXX Account Agreement, which does NOT look at all like the one from CFPB, and says " CC Temp Version 3 '' and other coding at the very top of it. There was nothing signed to prove that someone even signed up for this card or that these terms were active for this account. I didn't find out until it was too late that there was another page that belonged to the XXXX XXXX XXXX agreement that specified the Arbitration terms. I would of happily disputed this case in arbitration if I had been informed and given that page of the terms! I also received a computer printed affidavit from a XXXX XXXX, who claims she is employed at Midland and " verified '' my account. This affidavit was dated XX/XX/XXXX, which was BEFORE the court case the summons and complaint was even filed at the courthouse! XXXX XXXX 's XXXX profile says she works at XXXX, ( not Midland. ) This affidavit was " notarized '' ( aka computer printed ) by XXXX XXXX of MN, who is an employee of MIDLAND. This affidavit contained 3 bar codes that were unidentified on the bottom of each of the 2 pages. Apparently, these affiants have ESP to sign & notarize affidavits prior to requests for verification. Also included in this verification package was a Certificate of Federal Savings Association Title Change and a Field Data sheet. The Field Data sheet also looked like a cheesy XXXX or spreadsheet created, not a screenprint of evidence. Also in this packet was a letter that was supposedly sent to notify that Midland purchased the account, but did not contain any information on how to dispute the account. This letter was also addressed to the address that I DO NOT live at. Also included were several statements from XXXX and from Midland, that were also sent to an address that I did not live at. At the hearing on XX/XX/XXXX, XXXX still insisted that this alleged account was mine. XXXX pushed for me to file an affidavit of fraud and a police report. The court commissioner, which is now the 3rd different one I have seen, literally said, " I wouldn't do that. '' Hearing was once again adjourned for XX/XX/XXXX. BUT on XX/XX/XXXX, I received another envelope from XXXX with an affidavit of fraud to file and wanted me to file a police report. Confused because of what the court commissioner advised, I didn't file the report. I attempted to get an attorney, but did not have the funds to pay for one. I take care of my parents ( one is XXXX on the XXXX XXXX from a XXXX, the other has XXXX ), have XXXX kids to care for and one of them is also XXXX XXXX. When we reconvened in court on XX/XX/XXXX, in front of a 4th commissioner, I began to feel at a loss, because I had to start all over every time with each commissioner as to why this debt is not mine. Then this commissioner reamed me for not filing the affidavit of fraud. Next hearing was set for XX/XX/XXXX and I was ordered to do the affidavit of fraud and the police report. I attempted to file a police report but was informed that there was NO evidence that this was my account so the police would not take the report. I did not file the affidavit of fraud because of what the police said. On XX/XX/XXXX, I received another package from XXXX, this one had requests for admission, interrogatories, and requests for production of documents. I did not understand any of it, the wording was SO confusing, none of it made sense and I felt as if no matter how I answered some of them, I would be found guilty. I had no idea what to do and felt lost. I didn't have years of law school to guide me through this nonsense. None of this was plain english, none of it was even complete sentences. 98 % of the document was verbs - past and future tense, adverbs, and adjectives. On XX/XX/XXXX, we had our " Trial '' hearing, which was no different than any of the other hearings. Appeared in front of a different court commissioner again. According to the paperwork I had been given by the court at the last hearing, it said that I would be able to present evidence, present arguments, examine witnesses ( no idea how to even get them there ), etc. Well, after XXXX 's representative and I entered the little room with the commissioner, the commissioner was ready to base his decision immediately without letting me speak or get a " fair trial ''. The whole thing was over in less than 2 minutes. I have it all on tape. He did not see the importance of the date of the affidavits. He literally told me that if I was smart enough to recognize that the language used by XXXX was adverb-verb-adjective mechanics, that I was smart enough to figure out what they were attempting to say in their paperwork. Now I know that my mistake is that I never have been in court before and do not know the proceedings or anything related to law.I did NOT get the luxury of going to law school ( or college for that matter ). I did not have funds to retain an attorney. I relied on my morals and honesty, for I was taught growing up, honesty will get you everywhere. Not with either of these companies, XXXX XXXX XXXX and Midland are dirty rotten scoundrels. They don't play fair, honesty isn't part of their game. Now I am stuck with a debt that I don't owe and I don't have the funds to pay. Even when pointing out the deficiencies to the court commissioner, he literally told me that if I was smart enough to realize that the language was adverb, verb, adjective, I was smart enough to decipher what they were saying. All of the court commissioners but the first one I met, were already on the side of XXXX and Midland before we even started to proceed. Each hearing was over in under a minute. I even have this last one taped. Courts are just as corrupt as the companies using them.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by XXXXXXXX MIDLAND CREDIT MANAGEMENT and XXXX XXXX.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX is not upholding its role pursuant 15 USC 1681. You ( XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( XXXX and XXXX XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from XXXXXXXX MIDLAND CREDIT MANAGEMENT and XXXX XXXX. As a violation of 15 USC 6802- you ( XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXXXXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( XXXXXXXX MIDLAND CREDIT MANAGEMENT and XXXX XXXX ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXXXXXX MIDLAND CREDIT MANAGEMENT and XXXX XXXX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
|
| 12/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been damaged, my credit has been affected and I have suffered. Damages include but are not limited to affecting me in moving into a home that I had planned to but when my credit was affected adversely for the inaccurate and false reporting to my credit report done by Midland Credit Management. It also damaged me by affecting my business and rendered me powerless when it came to obtaining the surety bond that my business needed to succeed, my Business and potential funds that I would have gained from this business can not the repaid because I can not go back in time and regain the time and funds that were lost due to Midland Credit Management 's lack of respect for the FCRA. Midland Credit management Put an unidentified and Inaccurate collection on my credit report so I disputed this collection for accuracies purposes requested A complete validation of this account Bearing my original signature, based on my rights as a consumer, I told Midland Credit Management advised that this letter was not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested.
I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I asked Midland credit management to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please provide proof of the alleged debt, including specifically the alleged contract bearing my original signature and the original documentation.
6. I also asked Midland Credit Management to please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records and any information received from you will be collected as evidence should further action be.
I asked for this information well over thirty days ago. And even before I sent this letter to them I disputed with Midland Credit Management online which they never provided any information at all, I disputed it online through XXXX. After having never responded to my request, out of nowhere Midland Credit Management sent me a false Affidavit this was a lie because they had stated that I have never responded to them but in all actuality, they were the ones who had never responded to me in validation this inaccurate account per the FCRA, that was given us as a protection and a right as a consumer. They also have an inaccurate account number on their Documents that is not the account number that was possessed by XXXX XXXX XXXX I have Documentation that clearly shows Midland Credit Managements false account number, and I have an old bank statement that clearly shows the account number from the original account I would Like this inaccurate account removed. I have asked Midland Credit Management to validate the alleged debt that they claim that I owe, and all you have provided me are statements to an account that you can not prove is mine.
Midland Credit Management has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue An
y debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : Delete this account and cease and desist with all collection activities ; Settlement; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
|
| 05/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX XXXX Account XXXX XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX- old account, re aging debt thats not mines and not validated properly, was deleted and now back on my credit. No contract. Not authorized to collect debt in California. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. MIDLAND CREDIT MANAGEM bal. {$7300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am XXXX XXXX. I am acting on my own behalf, and no one is acting on my behalf, through this portal XXXX - this is a complaint regarding your Credit Reporting/Metro2/Compliance - and with respect to FCRA and FDCPA mandates. Their rules/laws/mandates are clear. While this is my issue - what is occurring, is systematic and across all classes/people, and in full view as because of how consumer data is collected, entered into XXXX systems, stored and then reported/integrated to the CRAs.
I am am a tech data integrator, a bit of a techie - and now I can see.
The CFPB - should review this complaint, as any XXXX customer - is no doubt dealing with the same systematic/file FCRA/FDCPA incompliant issues.
ALL Tradelines, on all reports are within the scope of this complaint. XXXX, XXXX, XXXX and XXXX and as applicable to the consumer, and their impacts, Those tradelines indicate you - XXXX, as the ACCOUNT NAME and owner.
I believe they are in concert with you, your related companies and this industry.
The request is simple - please fix all of them ( my accounts XXXX has reported ) and at each CRA so the tradelines are compliant - or delete each, at each CRA.
If I know - you, XXXX et al, with a whole tech team, leaders and a whole IT QA team must. Your Metro2 files/integrations - to the CRAs, are historical and when/where applicable - discoverable.
Your response to a XXXX complaint attached - XXXX ( I can spec to file, test and prove/fail ) - know this is not forensic - yet.
This complaint is as follows : 1. XXXX, willingly and knowingly, is reporting to all CRA 's - as if they are a Creditor/Credit Grantor ( Factoring Company ). Attachment - Attachment - XXXX ( numbers 1 - 3 ) 2. XXXX, is NOT, in fact - Factoring company, by definition, law and then their own acknowledgements/statements. I rely on the FTCs definition of a CREDITOR/Debt Collector.
3. Factoring Companies/Creditors - can send all data applicable, to a consumer account, as per the industry file standard - Metro2. Outside of a Header/Trailer record - and depending on the type of credit, and its duration - the fields that can be sent per tradeline- are in the 100s ( hundreds ).
4. Debt Collectors - as per the industry file standard - Metro2 ( many sources ) are directed to populate approximately 19 fields.
5. When reporting in XXXX ' fashion ( as if they are Factoring Company/Creditor ) - the tradeline egregiously/knowingly and illegally anchors a consumer report with a Creditor account, that has not been paid, starts with a C ( Collections ) and since the tradeline was opened, but forever erroneously with/by XXXX. Even when a consumer pays - the account then can never, ever be resolved and exists as it's intended to - unless it's deleted.
6. Even though CRAs expressly define the SEGMENTS for COLLECTIONS, XXXX subverts the industry standard Metro2 - file specifications, and - lands in a space in the CRAs databases, where Creditors reside - and dutifully impacts consumers OPEN accounts, where calculations of scoring data is/are most impactful.
7. The impacts are broad - scores, CRAs calculation to display data - lenders assessing consumer worthiness and even with an orphaned/wholly inaccurate XXXX tradeline - that destroys scores, consumer worthiness and views of accurate information ( Your data as reported is used in High Data Usage/AmountPast Due/Payment History/etc ) 8. The views of this data - are actually quite magical - CLOSED is in the tradelines description, yet - no CLOSED DATE - intentionally confusing consumers on a report most don't even understand today.
9. XXXX - is mandated to send their files/data in Metro2 Format, Attachment2 - from all major CRA 's demanding file/integration standards be of Metro2 Attachment 2 - CRA statements 10. Debt Collectors - are mandated through Metro2 - to send a header/footer and approximately 19 consumer fields ( see attachment 3 - exert from XXXX, know other sources reiterate the same details ) 11. Metro2 - and its usage is defined, and for Debt Collectors - and then Factoring Companies ( Attachment 3 - Tech Specs sample, there are more tech specs available ) - regardless of source, standards of usage of the file/ resulting integration is industry wide - First Name = First Name, Header/Footer Details, Account Name etc.
12. Due diligence Mandated by FCRA - could resolve your technical reporting problems. The FILE SPECS are available - as are the rules. You also have your partnership with the CRA to test your requirements, to build, and as XXXX testing allows in standard XXXX, to ensure your data you send is accurate. Standard TECH QA methodology - would have caught your issues from inception, unless it was acceptable behavior.
13. ALL CRAs have a section/segment for DEBT COLLECTORS 14. Why has yours, and why does your tradelines XXXX - fail to ever show up there?
You are NOT a Factoring company.
You are sending fields and file attributes, that can not apply to a Debt Collector There are no contracts/agreements with a debt collector for payment on reportable terms You are reporting Monthly Terms Original Creditor has a Field - you are using comments - or nothing at all Original Creditor Acct Number - is XXXX, when it must be retained and available for the consumer and the actual tradeline its reporting from, is never displayed FCRA.DOFD Dates are in fact made up by XXXX - and, worse inaccurate Balance - XXXX fluctuates Balances inside/outside of laws that govern them Terms - there are no such things as TERMS with a DEBT COLLECTOR Accounts have PAY HISTORIES - when they are never allowed, as per metro2 Accounts Rating/BALANCES Histories - when they are never allowed, as per metro2 Pay/Balances/Ratings, although never applicable - are always inaccurate You Reside in the OTHER ACCOUNTS Section/Segment of consumer reports, when its description says for Creditors ONLY Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements You intentionally - DO NOT REPORT in the COLLECTIONS Section of a consumer report - which is dedicated to you use, and its description Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score.
Your tradelines lack an ACCOUNT NUMBER Are Used to Calculate DEBT to CREDIT Ratio - when it is impossible to include this debt collection account Leverage a Creditor Classification field - of the alleged Original Creditors relationship - as a Retail Account, Installment Account etc.
Description says CLOSED in the HEADER When it is NOT NO DATE CLOSED is supplied - to coincide with your description Original Creditor is WIPED OFF XXXX XXXX - Account Number is WIPED OFF XXXX XXXX XXXX responses are public/XXXX - actually traceable. See attachment = Open Type - This is a summary of issues based on your reporting, and the assertion of a FCRA and FDCPA non compliance on many accounts, many times, and after complaints with the CRAs.
This complaint also serves to you - XXXX, as a do not contact, and as allowed by law.
|
| 04/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. MIDLAND FUNDING LLC bal. {$330.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
|
| 07/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
A XXXX debt that was somehow in my name was sold to Midland Funding, which was the first time I heard about it, late fall early winter XXXX. According to the statements Midland mailed to me, the XXXX purchases were apparently made on XX/XX/XXXX ( invoice XXXX ) and XX/XX/XXXX ( invoice XXXX ), totaling {$630.00}, at XXXX XXXX XXXX # XXXX. I never applied for credit with XXXX and never received a card. This was identity theft. I do not know when Midland Funding bought the " debt, '' but XXXX XXXX sold the debt to Midland Funding. I have reported the ID theft to XXXX XXXX XXXX XXXX Case # XXXX ), but the officer at first said since it didn't happen in XXXX XXXX, to contact you. She is simply confused because there is a second leg to this and I hope you will investigate the whole picture. I reiterated to the officer that the XXXX credit card fraud/ID theft appears to have happened in XXXX XXXX and that the fraudulent purchases appear to have been made in the XXXX XXXX, which is in XXXX, XXXX XXXX. She appears to be making a report now but I don't know for sure. When I disputed the debt with Midland Funding, they wrote that a payment had been made on the account, and that meant the debt was " verified. '' I looked up my XXXX XXXX XXXX business banking account and found a payment of {$72.00} made to XXXX on XX/XX/XXXX, using my business banking debit card. I did not notice that debit before then because I was extremely busy, not getting much sleep, and no time to be going over bank records every month. I also didn't know how a credit card payment could could have been paid with my business checking account debit card, as I'm pretty sure I pay for credit cards using the actual bank account information rather than the debit card. Looking at the statements Midland mailed to me, I immediately noted a few discrepancies with the account, the charges, and the payment : ( 1 ) the address on the statements was my home address, which I never used because I had a bad neighbor who was having his kids steal our mail ; ( 2 ) the statement that noted the {$72.00} payment stated it as made by phone and I NEVER IN MY ENTIRE LIFE PAID A CREDIT CARD BY PHONE ; ( 3 ) the items purchased ( I have tried to get receipts with more detail but could not because the account has been closed with XXXX ) look like the type of items that would be easy to sell ; and ( 4 ) the items purchased were not anything I would have used at home or in the shop. I also note that I didn't buy at XXXX because being an XXXX, I shopped at XXXX XXXX if at a big box store. XXXX had more homebody products. I didn't even buy pipe at XXXX because it was made with cheap steel that had a tendency to fail. The bill is now over {$1000.00} with interest tagged on and Midland has started suit, so they are tacking on however much more for costs of suit, in addition to the {$170.00} I was forced to cough up in court fees to file an Answer to the Complaint.
Now for the internet fraud part of the scam. There is a second debt with XXXX, still with XXXX but probably soon to be sold to Midland Funding. I never applied for or received a card for that one, either. It appears to have been opened in about XX/XX/XXXX. I recently found three emailed statements from XXXX in one of my email accounts, the one I used for XXXX XXXX I have, by the way, quit XXXX totally because of the XXXX account ). I had not noticed the statements previously because they came from XXXX Customer Service and I didn't read them as I was getting a lot of emails from XXXX. I have researched my emails from XXXX and not one single order was in any of the amounts in the statements, and all order confirmations were accounted for, paid through my XXXX XXXX XXXX business account. XXXX 's monthly account summaries for the months of XXXX and XX/XX/XXXX, which are the two months covered in XXXX 's statements, show that I am missing order confirmation ( s ) of {$40.00} in purchase ( s ) for XXXX ; XXXX balances perfectly with my orders, nothing missing or added. This is what I think happened - someone at XXXX or Midland used the XXXX account as follows : The last statement from XXXX ( dated XX/XX/XXXX with a due date of XX/XX/XXXX ) shows a minimum payment due of {$73.00} - the {$72.00} supposed payment to XXXX plus {$1.00}. My XXXX XXXX XXXX business account debit card was saved with XXXX. I believe that either XXXX or XXXX " verified '' the bogus XXXX credit card debt in order to collect on the balance from me. To date, all entities involved have declined to tell me what phone numbers were used in the {$72.00} payment that was somehow taken from my business checking account debit card ( I have phone records from that time period ), when and how the XXXX credit accounts were opened ( any agreement, signature, contract? ), and what the exact purchases were ; or what phone numbers and addresses were given at the time those accounts were opened. I have reported the fraud to XXXX XXXX, which is investigating both accounts as fraud ; and XXXX, which is investigating the XXXX account as fraud. XXXX stated that since the account had been closed they could no longer access detailed information on the purchases made. I am in the process of drafting discovery requests ( what a waste of my time and energy ) but do not have much faith that I will get the documentation or answers I need because the attorneys for Midland are blatantly stating that Synchrony no longer owns the debt and since Midland purchased the debt it has the right to collect no matter what the circumstances. I'm assuming that means Midland will not produce any proof not in its favor.
Of note, I tried to get the suit stopped by telling them the credit card debt was a result of ID theft and they, Midland Funding 's attorneys : XXXX, XXXX XXXX XXXX, XXXX, told me I could fill out a theft affidavit. They sent one to me finally after two requests ( I think they were trying to buy time so the case they filed against me would default ), and every page stated at the bottom " DO NOT SEND AFFIDAVIT TO THE XXXX OR ANY OTHER GOVERNMENT AGENCY. '' I decline to give up my rights to administrative help by filling out and having my signature on their theft affidavit notarized. Isn't that an XXXX practice? Long story short, I'm reporting to the " XXXX '' /XXXX. Of note, the Complaint filed by XXXX, XXXX for Midland does not have a contract or agreement attached, or even the XXXX 's statements.
Fighting this thing is taking up a lot of valuable time. Also, XXXX, XXXX has not changed to my mailing address as requested, and continues to send all court documents to my home address. Because I get very little mail at the house, I did not know they had responded to my request of the court to dismiss the case for several days and I had to scramble to make up a cursory reply for service same day. I hope the Court understands.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Attached, you will find the documentation to validate a debt collector, XXXX XXXX XXXX XXXX whom has been inaccurately, reporting information regarding my credit history. Falsely reporting late payments, delinquencies and collections in accordance to my name as a consumer, but not accurately in accordance with this account as a consumer. According to this document, XXXX XXXX XXXX, XXXX, which I am not linked to. There is no validation that has been provided to me as a consumer to validate this account in accordance with 15 US code 1692g.
I submitted a dispute in XX/XX/XXXX and the account was not validated or deleted upon me submitting information to the credit bureaus regarding XXXX XXXX XXXX XXXX. The XXXX account they are referring to has already been deleted and removed from my credit history.
XXXX XXXX XXXX, XXXX refuses to follow the fair debt collection practices of validating evidence against me as a consumer. They attempted to intimidate me by filing a suit against me, however, failed due to lack of evidence, linking me to the accounts, they are attempting to collect debt for.
This is a formal dispute regarding the account XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX was sold on XX/XX/XXXX of XXXX regarding a XXXX XXXX XXXX. Account number beginning with XXXX. Account balance at the time of sale was {$3100.00}.
XXXX XXXX XXXXXXXX XXXX XXXX was closed XX/XX/XXXX with a XXXX balance as I reported the card stolen or lost. As a consumer I opened that account XX/XX/XXXX, five years and eight months with a payment history, reflecting 100 % of payments made on time until this occurrence.
In an attempt to clarify the origin of the XXXX XXXX XXXX, XXXX I called XXXX customer service and was unable to communicate with the gentleman that this XXXX account associated with this debt collector was in accordance to a XXXX XXXX account that had been closed years prior. Due to his lack of understanding, investigating and merely communicating with me as a consumer he stated that the account was not related to a XXXX XXXX account because it started XXXX. I advised the gentleman that I would send the information over to the bureau so that my financial account could accurately be updated and error be deleted.
XXXX XXXX XXXX XXXX continues to open accounts under my name as a consumer and to which I am not associated with and I have the documentation which I will continue to provide in order to clear my credit history in the most efficient and accurate disposition.
The inaccurate reporting of information regarding me as a consumer is fraudulent. I have no association with XXXX XXXX XXXX, XXXX, and there is no competent evidence bearing my association with them or that I have a contractual obligation to pay this third-party debt collector. Any negative mark sound of my credit, including other credit bureaus must be removed immediately. I do not owe this company a debt. According to 15 USC 1692 g validation of debts ; I do not recognize how this account is reporting on my credit history/report. I do not recognize this account number. I do not recognize this account status. I do not recognize the high balance associated with this unrecognizable account nor do I recognize these late payments or no data related to a payment history whatsoever.
According to an account related to XXXX XXXX, XXXX and the debt collector XXXX XXXX the debt on XX/XX/XXXX was {$3100.00} and had a past due amount of {$3000.00}.
I submitted a dispute and XXXX and the debt collection agency XXXX XXXX XXXX XXXX XXXX reported to the three credit bureaus. The account was in collection for about five years.
I filed a dispute with XXXX XXXX XXXX XXXX XXXX and due to the inability and an accuracy of portfolio XXXX and associates being able to link me as a consumer to this debt. The account was closed.
According to XXXX XXXX XXXX XXXX the date of my first delinquency was XX/XX/XXXX, the date that they reported this was XX/XX/XXXX.
The XXXX XXXX XXXX, XXXX is in accordance with an account no. XXXX reference no. XXXX. The seller is XXXXXXXX XXXX in the amount of {$3000.00} You will also note a communication letter from a debt collector sent to address, XXXX XXXX XXXX XXXX This is not my place of residence, this is not a residence to which I am associated with or to where I reside. I have disputed this address in the past, and it was previously removed. XXXX XXXX XXXX XXXX continues to an accurately send forms of communication to homes within my community that reflect poorly upon a consumer related to their finances and a defamation of character. This is by all means, inappropriate, inaccurate, misleading and above all else wrong.
XXXX XXXX XXXX, XXXX has violated 1692 ( e ) by without my consent, or knowledge, obtaining soft increase from XXXX along with Midland credit management, XXXXXXXX XXXX, and the XXXX XXXX. I am a palled by the information that I have obtained in accordance with my recent consumer credit report.
I respectfully request that this entity refrain from contacting me in the future, as I am not associated with this debt nor am I associated with the debt related to XXXX XXXX XXXX I also respectfully request that XXXXXXXX XXXX XXXX, XXXX provide me with competent evidence that I am in legal obligation to pay them. Failure to respond in accordance with act 15 USC 1692g ( five days ) to all references to this account, must be deleted and completely removed.
Please note that I have also attached a legal document, granting notice of non-suit, defining and concluding that XXXX XXXX XXXX XXXX lacks the information to connect me as a consumer in any way to an account that has already been deleted.
XXXX XXXX XXXX, XXXX has been reporting inaccurate information against me as a consumer, for five years, In conclusion, I would like to note a collection is by default late and past due, not an open account. The documentation I have attached reports that the status of my account is {$3000.00} past due as of XX/XX/XXXX that is inaccurate. Inaccurately reporting that this debt was only in relation to a XXXX account, and not specifying XXXX XXXX XXXX XXXX is also fallacious to the credit bureau and myself as a consumer. You will also note XXXXXXXX XXXX XXXX XXXX is not on my credit history as of today.
XXXX XXXX XXXX XXXX is also obtaining a debt in accordance with a XXXX XXXX account that I am not associated with. In the same manner and fashion, I have attempted to dispute these accounts and have been unsuccessful. This company continues to report false information and I will also attach that information.
Please delete the inaccurate information promptly and with integrity to me as a consumer.
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is being filed against Midland Credit Management. XX/XX/XXXX I checked my consumer report and found this unknown debt buyer account on all XXXX of my consumer files with transunion experian and XXXX. I then sent this debt buyer a certified validation request on XX/XX/XXXX at the address specified on my consumer files Midland Credit Management XXXX XXXX Big XXXX XXXX XXXX XXXX, XXXX, MI XXXX tracking # XXXX and Midland Credit Management received my letter on XX/XX/XXXX. I have even disputed this unknown account with the XXXX consumer reporting agencies XXXX XXXX and XXXX on XX/XX/XXXX and XXXX and XXXX have generated me with results already. XXXX verified this account as accurate on XX/XX/XXXX and I have requested transunions reinvestigation procedures used to determine the accuracy of this account on XX/XX/XXXX tracking XXXX because I wanted to know how they verified the account with this debt buyer when I have not gotten a response from Midland Credit Management in regards to my direct dispute. How is it legal that a unknown debt buyer is defaming my character by accusing me of oweing them when no legal proof has been properly supplied to me? XXXX then generated me with results on XX/XX/XXXX claiming that the account has been verified it belongs to me and the account was updated. For the second time XXXX generated me with results without legal proof that this alleged debt is valid and without a response from this debt buyer. XXXX generated me with my first results on XX/XX/XXXX and experians results outcome was Updated. Such updates that XXXX did was illegal because XXXX updated the balance making it seem as tho a payment was made when no form of payment was generated on my end to this debt buyer which is a FDCPA violation of unfair practices 1692f ( 1 ). I know my consumer rights and know that without my wet signature in a binding contract with this debt buyer and myself this alleged debt is deemed to be invalid therefore unverifiable. It has been past 30 days since this debt buyer received my request and I have gotten no response and under the FDCPA the account must be deleted for failing to respond and provide proper evidence within 30 business days 1692g ( b ). This debt buyer did not provide me any information regarding the account with the original creditor, possibly because this debt buyer does not have such information within there system. If this account is deemed to be verified legally under my name, then I want proper validation proof including the original SIGNED contract between myself and the original creditor, the binding contract oringally SIGNED by myself between me and this alleged debt buyer clearly specifying our payment arrangement and agreement. I want proof of the original date of delinquency date that occurred with the original creditor. I want proof of the Last Payment Made that led to the delinquency of the account with the original creditor. I want proof of the Original Charge Off date on the account with the original creditor. I want proof of the Original bill of sale from the original creditor explaining that Midland is the current owner of the debt including the amount that was purchased for, the account number and on what date the debt was acquired on. I want a response if this debt buyer Midland reports a past due dollar amount remark as the status or payment history to the consumer reporting agencies. I want a response if this debt buyer describes themselves as any other entity other than there true identity as a debt buyer. To my understanding the original creditor does not have this information on file within there systems no longer because they have given up all collection rights by selling the accounts information to this debt buyer. Since this debt buyer wants to act like this alleged debt under my name is valid by responding to the consumer reporting agencies and verifying the account with them then such important information I have requested from them should have no problem with providing it to me, the consumer whom the reports relates. How else is Midland Credit suppose to Verify the accuracy on each reported field to the consumer reproing agencies without the original accounts information as proof? The way this account is reporting to the consumer reporting agencies, this debt buyer is misrepresenting themselves as a creditor by reporting a past due dollar amount, a payment history and misrepresenting themselves as another company name ( XXXX XXXX Account ) other than there true identity as a debt buyer which is a clear FDCPA violation 1692e ( 14 ). Midland Credit is also reporting XXXX different 7 year federal removal dates with XXXX XXXX and XXXX further more proving that Midland does NOT have the correct date of delinquency date in there systems as described in 1681c ( c ) with respect to any delinquent account, in which the date of delinquency date that occurred with the original creditor still applies to this debt buyers legal 7 year reporting period. XXXX reports the 7 year removal date XX/XX/XXXX and XXXX verified this account as accurate. XXXX reprots the 7 year removal date XX/XX/XXXX and XXXX reports the date of delinquency date XX/XX/XXXX resulting the account to be removed from XXXX on XX/XX/XXXX. Thats 3 different months this one account will be removed in XXXX? This is a blatant error and since transunion wants to claim that the account has been verified as accurate with a removal date XX/XX/XXXX, then that means XXXX and XXXX are reporting inaccurate information, in which how could they then when all 3 consumer reporting agencies get information LEGALLY for one data furnisher and no other entity to make the reinvestigation on this one account to have been done properly and thoroughly? I feel as tho Midland Credit Management is in clear violation of the FDCPA and making me and other creditors feel as tho coerce payment is necessary on this unvalidated debt because of the advertisement midland is displaying on my consumer reports, I feel as tho I am being harassed and attacked to pay a alleged debt with a unknown debt buyer without legal documentation that shows this debt buyer is the legal owner of the alleged debt, when I legally am not obligated to pay them without proof 1692d ( 4 ). I am not asking for verification this debt buyer has my name and mailing address such information is not proper and legal validation that I owe this alleged debt buyer anything. A itemized of charges or billing statement is also NOT proper validation either. According to the FDCPA 1692c ( c ) I have full right o refuse to pay a alleged debt without proper legal validation and I stand by my legal protective right to do so.
|
| 08/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Midland Credit Management sued me for a credit card debt from XXXX XXXX XXXX, prior to the summon they sent me, i contacted the organization via calls to send me validation ( the signed agreement ) of the alleged debt, but they declined my request.
When i received the court summon from them through XXXX XXXX, i wrote XXXX letters to both MCM and their representative requesting the same document, they replied with only statement, bill of sale and was missing the agreement on the card. They kept on referring me to each other.
I made several efforts to request the signed agreement all to no avail.
Prior to the hearing, in late XX/XX/2022 i called Midland Credit management seeking to speak with a customer service and requested the signed agreement on the card, the individual could not provide any definite answer to my request but instead i was transferred from XXXX department to another. After spending long minutes on the call, i was transferred to a XXXX with XXXX accent, who asked for my NAME, DOB, ADDRESS AND SSN to authenticate me, i refused to give her because i was skeptical and asked her to provide me the information instead. She read out all my PII which i confirmed and asked her for the signed agreement on the alleged debt which mentioned she doesn't have the document. She informed that the call was been recorded for debt collection purposes.
During my conversation with the lady to me, i asked her if she can transfer me to her supervisor or manager to request the debt validation document, she said " yes '' and placed me on hold for like XXXX minutes, only to come and notified me that there is no supervisor available at this time because of time zone. I was amazed and out of curiosity asked her where she was located because i placed the call during working hours here in United States, she replied and said she lives in XXXX and was working for Midland Credit Management from there, i asked her the same question the second time to be sure, she confirmed her employer is MCM and she works for them from XXXX. Then, i asked her what rights she has to access my information from outside the country when i did not sign any document with MCM to that effect, she was shivering and i immediately requested i must speak to someone here in the MCM in the XXXX to know what my information was doing abroad. She quickly put me on hold and went away.
That was when discovered and realized that Midland Credit Management has been routing their customer service number and calls from the United States to XXXX, ( probably for cheap labor ) exposing consumer 's Personal Identifiable data outside of the XXXX without notifying us or receiving any authorization from the owners of such data or the banks they bought those debts from, which is violation of CFBP and other privacy law. At that moment, i connected the dots that scamming attacks i have been receiving of text messages from different phone numbers, threatening voicemail that my SSN is fake i need to call a certain number or i will get arrested was probably due to their carelessness.
I have attached to this complaint the XXXX letter i sent to Midland Credit Management to explain why my data was sent outside of the United States without my authorization, i never received any response, the only reply i got from them was the bill of sale, few statement on the alleged debt. They are only interested in pressuring consumers with their demands while neglecting their responsibility to protect the data they acquired from banks as the law required.
I mentioned the data mismanagement issue to the judge at the hearing, he informed me i can appeal his decision. The judge awarded them {$1400.00} in judgement, only for XXXX XXXX to write the judge they want full amount on the debt. I received the second judgement from the courthouse. Due to my struggling financial situation, i apply for an appeal and filled out a waiver for payment, it was not granted and i was out of town that was how i missed the appeal application deadline, I have plan to pay the judgement and will also get to the root of my privacy violation.
A complaint was filed against MCM to XXXX XXXXXXXX XXXX, they were contacted only to reply with bill of sale, statement and an agreement without my signature or name on it. They were asked to address my concern as to why my information was in XXXX, they dodged the question only to reply they take the allegation seriously without providing any straight answer to admit and fix the issue.
I conducted online research about Midland Credit Management, there were several lawsuits and class action against them in different states because of their predatory, malpractices, harassment against consumer 's. Even, the XXXX XXXX XXXX sent me a letter that they have been sued in XXXX before because of their bad practices and got a judgement against them.
The XXXX XXXX office offered to intervene, that i should give them a lump sum of {$1000.00} to their representative here in MN which they refused and insisted that i pay more than the judgement assigned to them in installment or pay {$1500.00} lump sum onetime payment and must sign agreement.
In the document of agreement, their representative wrote that after i made the payment of {$1500.00}, i'm forbidden to discuss the breach and mismanagement of my data to anybody or organization.
That i will release Midland Credit Management and XXXX XXXX from any future legal action, of which i replied them i cant sign my rights away because i must get to the root of the violation of my privacy and what has been done to address it. Also, the agreement they proposed indicates the admission of guilt of my claim against them.
If Midland Credit management wants to dispute my claim of data mismanagement, kindly request the recorded conversation i had with their organization on that day which is untampered evidence directly from them.
Also, I plan to contact XXXX XXXX XXXX who sold them the allege debt to file a complaint and other finance government agencies in the country until Midland Credit Management resolve my concern.
I lived in XXXX, they bought the alleged debt in the XXXX, they took me to court in XXXX, why is data mismanaged and expose by them to XXXX, i need answers. I will use every legal tool available to defend claim until it is resolved.
Kindly, investigate the business practice of Midland Credit Management as there may be other consumer 's data affected by their malpractices and take necessary action to deter future occurrence.
Thanks.
|
| 01/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As mentioned in the initial dispute, according to the law you are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As of today, XX/XX/XXXX, I have not received a privacy notice or Opt Out notice from midland credit management , INC or XXXX XXXX XXXX. Per 15 USC 6805 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from XXXX XXXX XXXX or midland credit management , INC. Also, previously stated, as a violation of 15 USC 6802XXXX XXXX XXXX XXXX communicated my nonpublic personal information to unaffiliated third party, which is you ( midland credit management ) without my consent and without giving me the opportunity to direct such information not to be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. You are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt I do not owe. As you are aware, XXXX XXXX collection of this debt is no longer considered as DEBT. Which, you ( midland credit management ) are a third party DEBT COLLECTOR, which means the debt has been charged-off and is now considered as a CERTIFICATE OF INDEBTNESS ( 26 CFR 1.6050P-1-information reporting for discharges of indebtness by certain entities ) as well as income ; and income can not be reported on my consumer report. As I previously stated, per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. To reintegrate, I did not give you, midland credit management or XXXX XXXX XXXX, authorization or permission to have my current personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Please be advised that I dispute the validity of the listed alleged debt in its entirety. You are requesting that I provide you with proof of non-validity, that request is DIRECTED to you for you to provide, since you believe I owe the ALLEGED debt. Again, I am requesting a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a BILLING STATEMENT, which you mentioned in your response, notice or any unsigned document is NOT verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove this debt within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by mail. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CIVIL CASE against you, midland credit management and XXXX XXXX bank. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { { {$5000.00} } } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { { {$1000.00} } } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
|
| 01/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This Complaint Notice is for Midland Credit Management ( aka MCM ) to investigate an incident that occurred on XX/XX/XXXX : specifically, the collection tactic taken by an agent who placed an outbound collection call to a cellular mobile phone number to an authorized 3rd party ( who DOES NOT have an established business relationship with MCM ).
The Chronology of Events : - On XX/XX/XXXX contacted Midland to give verbal authorization to allow an Authorized 3rd Party ( a family member ) to speak to Midland representatives regarding an alleged outstanding debt credit card debt " purchased '' by Midland.
- On XX/XX/XXXX the Authorized 3rd Party called Midland at XXXX to offer a lump sum settlement payment. Midland rejected the offer. Note : the Authorized 3rd Party did not provide Midland with any point of contact information for himself [ i.e., a phone number ]. Midland should have a recording of this call.
- On XX/XX/XXXX the Authorized 3rd Party called Midland at XXXX extension XXXX in a second attempt to resolve the debt via a lump sum settlement offer. Midland again rejected the revised offer. Note : during no point in this call did the Authorized 3rd Party provide point of contact information [ i.e., a phone number ] to Midland. Per Midlands disclosures, they should have a recording of this conversation.
- On XX/XX/XXXX a representative from Midland contacted me on my mobile phone. I advised the representative I was unable to discuss the matter and that I authorized a family member to attempt a resolution but Midland rejected the offers to resolve. The representative continued the efforts to collect the debt despite my attempt to advise I could not speak at the present moment so I terminated the call. Midland should have a recording if this call.
- On XX/XX/XXXX the family member I designated as an Authorized 3rd Party received a phone call on his mobile cellular phone from a Midland representative, attempting to collect the debt. When the Authorized 3rd Party asked the representative HOW Midland obtained his mobile cellular number, the Midland representative would only reply that I had provided an Authorized 3rd Party Permission for Midland to speak to him. This is not in dispute. The Authorized 3rd Party again tried to ask the Midland representative how Midland captured and dialed his mobile cellular phone number, but the representative would not answer. The Authorized 3rd Party terminated the phone call.
The Complaint : It is a common business practice of Midland Funding to utilize Automatic Telephone Dialing Systems ( ATDS ) when initiating debt outgoing collection calls. An ATDS is equipment which has the capacity to store or produce telephone numbers to be called, using a random or sequential number generator, and to dial such numbers. The capturing of origination telephone number of an incoming call is also commonly referred to Automatic Number Identification ( ANI ).
The Telephone Consumer Protection Act ( TCPA ) of 1991 [ 47 U.S.C. 227 ] restricts the use of automated telephone equipment aka ATDS.
- Specifically : Section 227 ( b ) ( 1 ) ( A ) of the Act and its implementing rules require some form of prior express consent for auto-dialed non-telemarketing call to wireless numbers. The Act also maintains the requirement of prior express consent for auto-dialed non-telemarketing calls to wireless numbers that are not subject to any exemptions under section 227 ( b ) ( 2 ) of the Act. The Federal Communications Commission ( FCC ) leaves it to the caller to rely on either oral or written consent in complying with the statutory consent requirement.
- The Telephone Consumer Protection Act ( TCPA ), Pub. L. 102-243, 105 Stat. 2394, prohibits making calls to cellular telephones using an automatic telephone dialing system ( also known as an autodialer ) or an artificial or prerecorded voice, except for emergency purposes or with the prior express consent of the called party. 47 U.S.C. 227 ( b ) ( 1 ) ( A ). The FCC has express authority to prescribe regulations to implement this provision. Id. 227 ( b ) ( 2 ) ; see also 47 C.F.R. 64.1200 ( implementing regulations ).
- Congress enacted this prohibition to protect telephone users from unwanted communications that can represent annoying intrusions into daily life. GroupMe, Inc./Skype Communications S.A.R.L Petition for Expedited Declaratory Ruling Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991, Declaratory Ruling, 29 FCC Rcd 3442, 2014 WL 1266074 ( 1 ) ( 2014 ) ( GroupMe Ruling ). Congress did not expect the TCPA to be a barrier to normal, expected, and desired business communications. Id. at 3444 ( 8 ). See H.R. Rep. 102-317, at 17 ( 1991 ).
- The FCC has determined that debt collection calls are non-telemarketing calls and calls made to the subscriber of the wireless telephone that received the call, in an effort to collect a debt, must have provided the debt collector with express oral or written consent prior to the debt collector calling the wireless number [ 47 U.S.C. 227 64.1200 ( a ) ( 1 ).
- This Complaint states that Midland Funding, operating under MCM, received neither oral nor written consent from my Authorized 3rd Party to contact him on his wireless number which he uses for both personal and business use. Please investigate this incident and advise if the Collection Agent who initiated the outbound call, in an attempt to collect a debt, followed MCM policies and procedures.
On XX/XX/XXXX, I submitted a complaint to Midland 's Dispute Department ( via their on-line dispute/complaint submission process ).
I specifically asked Midland to provide an explanation as to why they called the mobile number of an Authorized 3rd Party, who does not have an established business relationship with them, who never provided them with the mobile, and how : 1 ) Did they obtain the number and 2 ) Did they, without permission, enter the mobile number into their ATDS.
In the 45 + days since my submission, the only response from Midland, except for the automated e-mail confirmation of the Dispute/Complaint submission, was for them to send me a Collection Letter.
I am asking the CFPB to bring this to the attention of Midland, aka Midland Credit, aka Midland Credit Management Thank you in advance for your time and consideration in the matter.
|
| 01/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was contacted by a voicemail left by a XXXX XXXX At XXXX XXXX.XXXX. ( vm attached ) on XX/XX/2021 Upon receipt of This voicemail I Proceeded to call the number provided ( ( XXXX ) XXXX XXXX ). A woman by the name of XXXX answer the phone around XXXX XXXX. on the same day Inform me that I had a outstanding balance with lone that I took out. I informed her That I had no knowledge of any loan that I had out. I Notified her that I would like their address So that I may send them a letter requesting a validation of debt as I was unaware of any debt I had. She stated that she was with a company called Midland and and they were not a collection agency however they were just charged with locating and contacting me. I stated to her that I was unaware of any debt that I like some more information on it so that I may do my research. I also stated that I had the right to request a validation of debt. She responded by saying that she was not going to talk to me about it that I would have to talk to her manager. About time I was transferred over to a XXXX XXXX who claimed he was the director and that their client XXXX XXXX Had contracted them to locate me. I notified Mr. XXXX why The previous representative transferred myself to him And I was requesting an address so that I can send a validation of debt. He stated I should have known I had a loan with XXXX XXXX and if I wanted to talk to them I would have to look up their number myself and call them. Mr. XXXX then informed me that it was pointless to contact XXXX XXXX directly because they wont to talk to me And if I wanted to discuss it I would need to contact a XXXX XXXX that they were the collection agency and he provided me the number to that company. I notified Mr. XXXX at this time that i needed to do my due diligence and contact the company for validation. I proceeded to contact XXXX XXXX and was informed that I did indeed have a debt and that it was sold to a XXXX XXXX XXXX and was provided a number. I proceeded to Contact XXXX XXXX XXXX and was informed that they no longer had the debt and it was transferred to a XXXX XXXX XXXX and was provided a number for them. I contacted XXXX XXXX XXXX and was informed by them that my account was sold to the XXXX XXXX company. I contacted the XXXX XXXX and spoke with a XXXX there. She informed me that they did not currently have the debt and it was sold to Midland. At this time I contacted Midland again and requested to be transferred to Mr. XXXX again via his extension that was provided to me during the previous contact. I notified him of the contacts that I had made and what was discussed with the other companies. He replied with " so you know its yours now? '' I replied that I did not, that the only thing that XXXX told me what that they sold the debt to Midland and that could not verify ownership any longer as it was sold. Mr. XXXX told me that they shouldn't have told me that and that they ( XXXX ) own the debt and they were just trying to help me " make it Right ''. I asked Mr. XXXX what XXXX it right meant? He Stated that if i wanted to take care of it, they would stop the XXXX Officer. I then asked him if they were the Debt Collector? He again stated that they were not the Debt Collector, that they were just going to help me take care of it. At that point I again stated that i would like to know what that meant, and if that meant that I could pay them? He stated that if I was offering to pay it that I was admitting to ownership. I denied that I was admitting to ownership and all I was asking for was the proof that they were legally aloud to collect the Debt under the FTC. He Replied with " here we go, sounds like you have been on XXXX. You don't know what you are talking about! '' Mr. XXXX again stated that we can just take care of this right now. I replied with " I am not even sure what i am taking care of. '' He replied with " come on man. '' I then informed him that if they were truly the collectors of the Debt and it was correct that I was interested in fixing it. However I was not even given an amount yet. '' Mr. XXXX at this point became very agitated that I kept requesting an address to send a verification request. He would no longer let me speak and just kept repeating " just pay it '' and " you should know it yours ''. I continued to inform him that I would like to verify that the information was accurate before I continued. He then advised me check my bank account and that was all the verification that I needed. I informed him that I was simply trying to confirm the information because of the number of different companies that i contacted and all of them stated they sold the debt. He again replied that it was a waste of my time because I knew I went and took out a loan and should remembered it. I informed him again that I wanted verification and reminded him that he stated that he was not the debt Collector and that I was just trying to protect myself. He Replied with " but I will give you a receipt ''. I again informed him that a Receipt was not enough and that I needed to Verify it. And if he was a debt collector than he needed to provide that information to me. Mr. XXXX again stated he was not a debt Collector. I asked what they were then? He replied " that they were not a debt collector '' I asked Mr. XXXX if they were a law firm? His response was " did I ever say we were Lawyers? '' I replied " no, I am just trying to find out what's going on and who i might be possibly paying. '' Mr. XXXX again responded with " so you are admitting the debt is yours? '' I replied with " no that what I am Trying to verify. '' Mr. XXXX then Proceeded to go on an undistinguishable rant about obvious legal action. and being served. I stated that I did not want that to happen, that I just wanted to verify that I am paying the right person. Mr. XXXX again stated that he was not going to provide that information. I responded that unless midland could provide verification that i had nothing further to add. Mr XXXX Became very upset and told me to just pay it, just pay it. you know its you, just pay the XXXX loan. and Then Mr. XXXX Disconnected the call.
|
| 08/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Midland has harassed, intimidated, used abusive practices, coerced, bullied, browbeat, oppressed, made false statements, took unfair action, and threatened me. Specifically, Midland has participated in several violations of the FDCPA : 1. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Odd calls started shortly after Midland became involved in my life ( in XX/XX/XXXX ) and were extremely harassing, constant, and pushy which is why I registered with Do Not Call but they didn't stop. I placed myself on the Do Not Call list and made written and verbal notice to cease communications that was disregarded by Midland.
2. Placement of telephone calls without meaningful disclosure of the caller 's identity.
Thereafter, I started getting " financial aid '' calls that wanted my financial information ( I verified with my real loan servicer that this was NOT them calling ), as well as a call that was for a vacation " winning '' where they said I only had to pay the tax via my bank or credit card information for a vacation I won. When I said I didn't have an extra {$100.00} for tax, I was hung up on.
3. The threat to take any action that can not legally be taken or that is not intended to be taken.
Multiple times in XX/XX/XXXX I was threatened in writing that I was going to be sued by Midland. No court action has ever been initiated at any time.
4. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
5. The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
I also started receiving illegal robo calls all day long, several times a day to say that my financial aid servicer was being sued and that wanted my financial information to qualify for their student loan program. The recorded call said to put in my FAFSA ID ( which isnt possible since FAFSA IDs are non-numerical ) or push " 5 '' to get help. I pushed 5 to see what would happen after several of these calls. I was transferred to a call center. The company answered the phone, " student loan help '' with no company name. There is no company name or phone number ever given and the number that calls appears to be local, but alternates with different local caller id phone numbers that can't be called back.
These types of calls appear to be directly related to same reports of other consumers that can be found on numerous complaint sites regarding Midland.
I consistently reported many of these robo calls and the numbers to the Do Not Call complaint line and also verified the calls were fraudulent with my loan servicer. My loan servicer does not call and I already qualified for an income driven repayment plan of $ XXXX/mo. for the next year.
6. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
7. A debt collector can not use bad faith for the purpose of harassment.
Midland has newly created invalid amounts of original debt, as relayed to credit agencies. Most recently ( XX/XX/XXXX ), Midland reported on my credit report the original amount of debt to be {$690000.00} ( for a credit card ). This also violates the Fair Credit Reporting Act which requires accurate, timely and verifiable information on credit reports.
Midland buys debt for {$.00} - {$.00} per {$1.00} and operates under continually changing company names and affiliates, as well as a parent company Encore, that are often sued by governments and individuals.
XXXX turned up this information about Midlands criminal enterprise : The Consumer Financial Protection Bureau awarded Midland victims money : XXXX XXXX XXXX/ FTC Files Amicus Brief in U.S. District Court : XXXX : XXXX Massive complaints on Consumer Affairs where Midland is unaccredited ( very illegal going ons ) : XXXX : XXXX Midland sets up a Fake XXXX Account and gives itself a rating of A+ although multiple complaints and 1 star ratings are listed : XXXX XXXX XXXX State of Arizona Fines Midland Funding {$750000.00} for Unlawful Collection Practices : XXXX XXXX XXXX-XXXX-fined-by-arizona/ XXXX XXXX And its Attorneys Sanctioned By Court For Frivolous Debt Collection Lawsuit : XXXX XXXX XXXX A Care2 Petition to shut down Midland : XXXX : XXXX Midland sued for robo signing false court documents in Minnesota : XXXX XXXX XXXX and XXXX XXXX XXXX Illegally collected debts without a license in Massachusetts : XXXX : XXXX Violating NY usury laws : XXXX XXXX XXXX Violating state debt collection practices : XXXX XXXX XXXX Law firm summaries of cases won against Midland : XXXX XXXX XXXX A class action against Midland in Tennessee - XXXX XXXX XXXX Federal Class Action against Midland in Maryland - judge dismisses more than 10,000 Midland debt collection cases against consumers : XXXX XXXX XXXX Just to name a few Midlands violations have been frequent, persistent, and intentional noncompliance with the FDCPA. Its actions have been illegal, harassing, and ongoing. Midland has massive resources for a debt collector and a large number of persons have been adversely affected by Midland which also is important in awards in civil cases against debt collectors.
Ive already made reports about Midland to multiple parties and a credit restoration company has been involved for the last 6 months to no avail.
I demanded Midland produce : the original agreement, including the terms and conditions under which the original lender agreed to extend credit ; copies of statements showing how the debt was incurred including the dates of transactions ; a complete accounting that shows how interest and other charges have been calculated and payments apportioned ; and the terms and conditions of the sale of this account They have not yet done so.
|
| 06/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
MCM states that you collect personal information from ME on applications and other forms. This is a lie. I did not provide any information to you and you also stated that you gained my information from another party not me. No information was provided to MCM directly from consumer. In italic below comes directly from your website.
https : //www.midlandcredit.comXXXX Information we receive from you on applications or other forms. This information may include : Your name Address Social Security Number Telephone number Other relevant information that you provide Information we receive about your account transactions with us, our affiliates, or others including the original creditor. This may include information such as : Account balance Payment history Account activity Information we receive from consumer reporting agencies ( such as credit scores and history ) and other information relating to your creditworthiness.
We do not use Customer Information we have obtained about you for any purpose other than to service or manage your account ( s ) in the ordinary course of our business.
We do not share Customer Information we have obtained about you with affiliates or non-affiliated third parties except to the extent necessary to aid us in servicing or managing your account ( s ) in the ordinary course of our business, such as : to companies to whom we may assign your account for servicing ; to companies that provide mailing services to us ; and to service providers that help us administer our database containing your account.
Consumer has received your response dated XX/XX/XXXX. You stated that you a 3rd party purchaser has the same rights to collect on promissory note as the original creditor. I ask for MCM to produce this promissory note. You stated that obligations on a promissory instrument which require an agreement by contract is now due to you ( MCM ). This is a false and misleading practice of deception. You are violating the FDCPA and CalCivCode 1565-1590 contract law. If MCM have a valid contractual agreement signed by consumers agent that require the consumer to pay on a promissory obligation, then MCM must provide that contract to consumer as proof. MCM chooses to violate Rosenthal Fair Debt Collection Practices Act. Not to mention MCM still has no valid license in the state of CA.
Because the consumer has no legal obligation to MCM, EXEPT TO RESPOND TO THIS NOTICE then MCM must cease and desists all communications including consumer reporting communication. 15 U.S. Code 1692c states a debt collector may not communicate with consumer without prior consumer directly consenting to debt collector. You previously stated that consumer permission is not required to report to consumer report. As the consumer previously stated to MCM, under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer furnishing of information and consumer report can not have personal transaction history. You also state consumer permission is not required because you sent a validation letter. Consumer points out according to 12 CFR 1016 you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. It further states that the consumer has the right to opt out at any time. You failed to provide either of this information within the validation letter to consumer. YOU MUST DELETE FROM CONSUMER REPORT. 12 CFR 1022.24 reasonable opt-out opportunity must be provided.
You stated that MCM sent a notice informing consumer of alleged account being acquired by MCM. I point out that this would be false claims because the 3rd party uses a completely different account number than that of the original account that is still open on the private for set offs and balancing in which MCM wouldnt have any rights nor ownership of that account. Where is the Bill of Sale? You state that you reserve the right to accurately report to consumer credit agencies but you are reporting a false debt and a false account using identity theft and violating federal and state codes and regulations that are to protect the consumer.
You stated that when a creditor " charges off '' an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. I would like to reiterate that debt being written off creditors books just like they were written on the books. This is a requirement in balancing the ledger and collect the insurance policy. According to IRS these charged off accounts become income to the principle account holders account with the IRS. You legally can not attempt to collect on credits posing as income.
You stated that there have not been any payments received for referenced account. Consumer asks which account are you referring to, the alleged MCM account which no contract exists or the alleged original creditors account in which the original creditors account would actually be owned by the principle holder? Consumer also points out that the alleged original creditor has a mandatory arbitration agreement in place and no adverse actions can be taken prior to arbitration clause.
As stated before in my previous claim you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to obtain in anyway my private information including alleged debt and use it against me.
As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.
The consumer will take it a step further in seeking remedy per 15 USC 1692k. The consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. I have enclosed an invoice.
Please address payment to contact below. Thank you!
|
| 09/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Back in XX/XX/XXXX I filed a dispute with XXXX for the account shown in my credit report from MIDLAND FUNDING whose address is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX.
Midland Funding responded to the dispute as the current status is being reported correctly, the paying history is being reported correctly and all balances were updated They updated the balances, past dues, and portfolio status.
The following errors were reported, and it is illegal to report false information. This had continuously affected my credit, ability to find rent, purchase a home, a car ; anything that requires credit verification because of their false reporting and negative impact on my report. I request that they cease all collection and close any account due to false reporting. I never had any agreement with Midland Funding to begin with. These are all the errors and false information they are reporting and continue to report to the credit bureaus : 1. Per court case # XXXX, Court final judgement was for {$4700.00} ( amount owed to XXXX XXXX ) and {$360.00} ( XXXX Filing Fee, which includes an extra {$5.00}, and XXXX service fee ) for a total of {$5000.00}. As you can see on page 4 of the Dispute response, Midland Funding was reporting a balance of {$5300.00} in XX/XX/XXXX. Having an unauthorized and false reported amount of {$220.00}. They were not granted any additional interest nor fees. ( Attached affidavit of cost to which they sworn to ) 2. Another falsely reported item is their Past due balance on page 4 of the dispute response. They reported a past due amount of {$3800.00} and the report beneath it says {$3700.00}. What is the {$34.00} difference?
3. They say that the last payment was XX/XX/XXXX, yet no payment is shown in XXXX nor XXXX and a reduction of the balance was done from {$4100.00} to {$3700.00} ( {$390.00} difference, unsure for what ) 4. Moving to the response I received from Midland on XX/XX/XXXX for letter I sent them XX/XX/XXXX. They show a purchased date from XXXX XXXX of XX/XX/XXXX when it was XX/XX/XXXX. Midland stated there was an accrued interest of {$790.00}, which no interest fees were approved by the court to be charged.
5. Midland presented a schedule of payments that add up to {$2500.00}. In a hypothetical picture, if you subtract this amount from the {$5000.00} in # 1 above, the balance given is {$2500.00} and the reported balance on the top right-hand corner of their response is {$3600.00}. not even adding in the interest would bring us to that amount.
6. Using the numbers, they provided their beginning balance would have been {$5500.00} less their reported payments of {$2500.00} would give a balance of {$2900.00}, their balance is showing as {$3600.00}.
7. Midland reported on this letter a total payment/adjustment of {$2200.00} and the amounts shown on the table add up to {$2500.00}. Not sure why there is a {$320.00} difference there. If you add the current balance of {$3600.00} plus their reported payment/adjustments it gives you {$5800.00}, {$790.00} difference of the unallowed charges.
8. The additional amount authorized by the court for their expenses or cost was {$360.00} they are stating accrued interest of {$790.00}. another difference of {$420.00}.
9. Midland reported the current balance to be {$3600.00}, if you add {$4700.00} ( original Purchase Balance ) plus XXXX ( accrued interest ) it equals {$5500.00} less reported payments/adjustments of {$2200.00}, the balance should be {$3200.00}. Another unexplained difference of {$360.00} here.
10. In XX/XX/XXXX I contacted Midland Credit Management who had sent numerous mails and called me several times to make a payment. In good faith, I agreed over the phone to pay them half because I had gone through several financial difficulties and was just starting to work. I spoke to the representative and mentioned I could not pay the full amount ; I was a single mother at the time and was barely making ends meet. He mentioned they could offer a plan to pay {$2400.00} and they would mark my account as settled for less. I never received a written response or settlement letter. I made and initial payment of {$260.00} in good faith and monthly Midland Credit management withdrew {$220.00}.
11. I noticed on my credit report that these payments were either wrongfully being reported or not being reported at all, instead my balance would increase monthly and seemed to never reduce. In both XXXX and XXXX, I filed a dispute so they could correct their information and they always responded as correct, which false reporting is illegal and against consumer rights. I immediately stopped paying them, shy of one payment only. I will not pay them once more cent for all the paid and stress they have caused me. They can take the {$2400.00} they withdrew from my account and consider this account paid.
12. Midland does not live up to their ethics, as to treating consumers with respect and compassion and integrity. What type of integrity is it to report false information and have so many loops whole differences on your reporting. Why would you collect money from a consumer, to then not report it or report they paid less to no amount. In my case I reached out to midland, I tried to put an end to the stress and to make an arrangement and in return I get negative impacts on my report and a monthly increase of this debt for no reason.
13. I have included screenshots of the Midland Credit Management portal, showing payment made. After making 11 consecutive payments the balance never seem to be reduced. As of XX/XX/XXXX they showed a balance of {$3600.00}, meanwhile their XX/XX/XXXX response showed a still incorrect balance of {$3600.00}. another {$11.00} difference for what? Amount owed was {$4700.00} + XXXX = {$5000.00} less {$2200.00} equals {$2800.00}. This is {$800.00} less than there reported balance of {$3600.00}.
14. Midland Funding did not provide an itemization showing what all these different charges are because they know they are false reporting and adding charges that are not correct.
|
| 06/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My understanding is that the Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. You are in non-compliance by not reporting Base Segment Field 25 Date of First Delinquency ( DOFD ) and this is an account placed for collection. You report XX/XX/2017 ( The Open date that you took over the account ) but failed to report the Date of first Delinquency. The purge date is not the same as the Date of First delinquency, it is an estimation based on the Date of First Delinquency.
Accounts placed for collection or charged to profit, and loss generally may not be included in consumer reports after seven years, as afterwards the information is considered obsolete. The seven-year period begins either 180 days after the first missed payment or when the account is placed for collection or charged to profit and loss. Unless informed by the creditor or other furnisher about a delinquency, a CRA has no way of knowing when the delinquency commenced and therefore when the information must be eliminated from reports as obsolete. Thus, the FCRA mandates that any person who provides information about a delinquent account placed for collection or written off must also inform the CRA when the delinquency commenced.
This noncompliance occurs even though the FCRA specifies that the date of delinquency for an account placed for collection must be a date that immediately preceded the placement. It also occurs even though the Metro 2 Format requires debt collectors to use the date of delinquency from the original creditor and instructs debt collectors who do not know the date of first delinquency with the original creditor to use the earlier date for when the account was opened by the creditor.
15 U.S.C. 1681s-2 ( a ) ( 5 ) ; FTC Staff Summary 605 ( a ) ( 4 ) item 1, 605 ( c ) item 1, and 605 ( c ) item 3, reproduced at Appx. D [ 2 ], infra. See also FTC Staff Summary 623 ( a ) ( 5 ) ( A ) item 2 ( Furnishers of consumer information to CRAs must provide the month and year of the commencement of the delinquency that immediately preceded placement for collection, charge to profit or loss, or similar action. They may not substitute an alternate, later date such as a paid-to-date denoting the due date of the last paid periodic installment. The month and year of the commencement of the delinquency that immediately preceded the charge-off is the month the first payment was missed, regardless of how long after delinquency the creditor waits to report the charge-off to the CRA. ).
The information that you have furnished to the Consumer Reporting Agencies are in violation of the following : FCRA 1681i ( 5 ) ( A ) ( i ) ( ii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
And, 15 U.S.C. 1681s-2 ( a ) ( 5 ) 623 ( a ) ( 5 ) ( A ) item 2 ( Furnishers of consumer information to CRAs must provide the month and year of the commencement of the delinquency that immediately preceded placement for collection, charge to profit or loss, or similar action. They may not substitute an alternate, later date such as a paid-to-date denoting the due date of the last paid periodic installment. The month and year of the commencement of the delinquency that immediately preceded the charge-off is the month the first payment was missed, regardless of how long after delinquency the creditor waits to report the charge-off to the CRA. ).
5 ) Duty to provide notice of delinquency of accounts ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
( B ) Rule of constructionFor purposes of this paragraph only, and provided that the consumer does not dispute the information, a person that furnishes information on a delinquent account that is placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; ( ii ) the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency ; or ( iii ) the creditor did not previously report the date of delinquency to a consumer reporting agency and the date of delinquency can not be reasonably obtained as provided in clause ( ii ), the person establishes and follows reasonable procedures to ensure the date reported as the date of delinquency precedes the date on which the account is placed for collection, charged to profit or loss, or subjected to any similar action, and reports such date to the credit reporting agency.
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDLAND CREDIT XXXX THIRD-PARTY DEBT COLLECTOR IS FRAUDULENTLY CLAIMING AUTHORITY OVER THE EXECUTOR OFFICE TO ADMINISTRATE FOR THE XXXX XXXX XXXX I NEVER SIGNED AN AGREEMENT WITH THE ALLEGED CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I DON'T OWE THE ALLEGED DEBT OF {$1700.00} AND THIS IS A DUPLICATE ACCOUNT. MIDLAND CREDIT MANAGEMENT XXXX INC IS A THIRD-PARTY DEBT COLLECTOR WHO BOUGHT A DEFAULTED NOTE FROM XXXX XXXX XXXX ON XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT IS ATTEMPTING TO SUE ME FOR DEBT THIS IS NOT MINE. I NEVER GAVE MY EXPRESSED WRITTEN CONSENT TO MIDLAND CREDIT INC AND ITS ASSOCIATES TO CONTACT ME ABOUT THIS ALLEGED DEBT.
XXXX, XXXX, XXXX, & XXXX, XXXX will forthwith return and transmit the written evidence of your delegated authority to represent that you and MIDLAND CREDIT MANAGEMENT is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with certified copies of signatures contract between you and consumer name, original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance, and any Third-Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX private information XXXX XXXX members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. COURTS REQUIRE your contract for jurisdiction. I XXXX XXXX PERSON, dispute this debt and ALL claims in accordance with XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M, and ALL applicable UCC Articles.
Midland Credit Management XXXX XXXX, was recently sued and settled for XXXX in consumer redress and a {$15.00} XXXX civil money penalty for violating the consent order by suing consumers without possessing documentation as required by the consent order, using law firms and an internal legal department to engage in collection efforts without providing disclosures required by the consent order, and failing to provide consumers with loan documentation upon request as required by the consent order by the XXXX XXXX XXXX.
MIDLAND CREDIT MANAGEMENT IS IN VIOLATION OF : XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( XXXX ) The false representation of XXXX XXXX XXXX the character, amount, or legal status of any debt; or XXXX XXXX XXXX any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt.
( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with legal action.
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( XXXX ) The false representation or implication that documents are a legal process.
( XXXX ) The use of any business, company, or organization name other than the true name of the debt XXXX business, company, or organization.
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title.
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir/Ma'am, 1. MIDLAND CREDIT MANAGEMENT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account.
I immediately disputed this information with MIDLAND CREDIT MANAGEMENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1969 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Subject : Midland Credit Management : Account # XXXX I have made written requests to Midland Credit Management and They have Ignored, my written requests, refused to answer or delete the incorrect information Stop the collection effort on debt that I do Not own Failing to Validate the Debt!
I- Request for Documentation Debt Validation In Compliance with CFPB Debt Collection Regulations II- Request for Documentation Debt Validation In Compliance with Fair Debt Collection Practices Act ( FDCPA ) III- Notice of Formal Dispute ( Attached ) In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Midland Credit Management have violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
pursuant to Fair Credit Reporting Act 15 U.S.C 1618 et sec, I am requesting that the information regarding this account be verified or immediately removed from my credit report Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
FCRA section 611 & 5 U.S.C.S You are required to conduct thorough investigation when I dispute incorrect information reported by you my credit report Pursuant tp FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you MCM are required to provide me ALL relevant information gathered during investigation including current status of this account. I Have made several written requests and you have FAILED -Refused to do so.
Midland Credit Management Repeatedly Refused to verify/validate this debt Midland Credit Management Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent Midland Credit Management has Repeatedly, unjustifiably, intentionally deformed my character in public Midland Credit Management has violated federal law by improperly using my personal information in my credit report Midland Credit Management has Threatened to ruin my life and my reputation by keeping this collection in my credit I have asked Midland Credit management to validate debt and provide the following documents but they have refused neglected to do so ( see below ) : Original signed contract that shows I am responsible for this debt My credit application for this debt Proof that you have the legal authority to collect on this debt Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name.
In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
****Please Remove this debt from my credit report Immediately 1- Midland Credit Management to remove Immediately this negative improper inaccurate derogatory information from my credit report
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. MIDLAND FUNDING LLC Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with MIDLAND FUNDING LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX. Midland Credit Management Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account.
I immediately disputed this information with Midland Credit Management and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1969 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
16. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
20. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
23. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
24. Identity Theft XXXX Account Number : XXXX This is not mine.
25. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
26. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
29. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
30. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
31. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
32, Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
33. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
34. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
35. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
36. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
37. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
38. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
39. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
40. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
41. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
42. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
43. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
44. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
45. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
46. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
47. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
48. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
49. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
50. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
51. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
52. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
53. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
54. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
55. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
56. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX 57. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
58. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
59. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
60. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
61. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
62. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
63. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
64. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
65. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
66. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
67. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
68. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
69. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
70. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
71. Identity Theft XXXX Account Number : XXXX This is not mine.
72. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
73. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
1. MIDLANDCRE Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account.
I immediately disputed this information MIDLANDCRE with and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1991 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
1. MIDLANDCRE Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account.
I immediately disputed this information with MIDLANDCRE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1991 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This notice is to inform you that you have unlawfully reported an alleged debt and are severely hurting my credit. Under the New Rule REGULATION F which took effect XXXX, You { MIDLAND CREDIT MANAGEMENT INC } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
The dollar amount is being added and removed from my balance every few days.
XXXX XXXX Midland collections increased by {$2.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$3.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account decreased by {$1.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$1.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$1.00} {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$2.00} from {$1400.00} to {$1500.00} XXXX XXXX Midland collections account increased by {$4.00} from {$1500.00} to {$1500.00} XXXX XXXX Midland collections account decreased by {$1.00} {$1500.00} to {$1500.00} XXXX XXXX Midland collections account increased by {$2.00} from {$1500.00} to {$1500.00} XXXX XXXX Midland collections account increased by {$2.00} from {$1500.00} to {$1500.00} XXXX XXXX Midland collections account reported as closed XXXX XXXX Midland collections account increased by {$1.00} from {$1500.00} to {$1500.00} This goes on and on but here are the most recent. This is absolutely a violation of my rights and illegal reporting The date of last activity is continuously changing going out of your way to hurt my credit. This has caused my score to go down over XXXX points.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my credit and has caused us to be turned down for mortgage, loans, etc. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { MIDLAND CREDIT MANAGEMENT INC } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. MIDLAND CREDIT MANAGEMENT INC XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
|
| 11/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1 .XXXX & {$XXXX} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
|
| 12/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Midland Credit Management & BAL. {$850.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. MIDLAND CRED bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. MIDLAND CREDIT MANAGEMEN & {$610.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. MIDLANDFUN & {$720.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLANDCRE bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLANDCRE & {$3700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLAND CRED bal. {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLAND CRED bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .MIDLAND CRED & {$3100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLAND CRED bal. {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX & {$750.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLANDCRE bal. {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Show
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .MIDLANDCRE & {$330.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. MIDLANDCRE bal. {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLANDCRE bal. {$400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .MIDLANDCRE bal. {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. MIDLAND FUNDING XXXX. {$700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I originally filed with CFPB last year to request a cease and desist and to address fraudulent claims from this shady debt collector. Since, however, they have attempted to unlawfully sue me in a jurisdiction that I DO NOT reside in. Pursuant An order that exceeds the jurisdiction of the court is void, and can be attacked in any proceeding in any court where the validity of the judgment comes into issue. ( See Rose v. Himely ( 1808 ) 4 Cranch 241, 2 L ed 608 ; Pennoyer v. Neff ( 1877 ) 95 US 714, 24 L ed 565 ; Thompson v. Whitman ( 1873 ) 18 Wall 457, 21 l ED 897 ; Windsor v. McVeigh ( 1876 ) 93 US 274, 23 L ed 914 ; McDonald v. Mabee ( 1917 ) 243 US 90, 37 Sct 343, 61 L ed 608. Furthermore it is stated that " A judgment of a court without hearing the party or giving him an opportunity to be heard is not a judicial determination of his rights. Sabariego v Maverick, 124 US 261, 31 L Ed 430, 8 S Ct 461, and is not entitled to respect in any other tribunal. '' MCM refused to send ANY court documents to me after their initial lawsuit filing so I was not aware of any judgement granted nor court hearing in XXXX of XXXX until today 's date, XX/XX/XXXX. It is a fundamental doctrine of law that a party to be affected by a personal judgment must have his day in court, and an opportunity to be heard. Renaud v. Abbott, 116 US 277, 29 L Ed 629, 6 S Ct 1194.
Every person is entitled to an opportunity to be heard in a court of law upon every question involving his rights or interests, before he is affected by any judicial decision on the question. Earle v McVeigh, 91 US 503, 23 L Ed 398. I filed a motion to dismiss within 30 days of receipt of the fraudulent lawsuit only for MCM to ignore it, and wait 2+ months to proceed with the case and file a judgement against me WITHOUT NOTICE OR MAILING. Despite providing heavily documented proof that the alleged debt is not mine, has never been validated, and the concerns about their illegal debt collection practices the judgement was granted and MCM has AGAIN begun contacting random people to tell them about this alleged debt which is also a violation of FDCPA. They first pretended to be lawyers when I submitted the initial CFPB complaint, lied in their response and still refused to provide PROOF and a WET SIGNATURE and have still yet to validate this alleged debt despite numerous requests. All they did was ramble in their response and neglect to address any of my valid concerns. As provided by federal law, I demand the following in addition to this judgement being immediately vacated : The name and address of the creditor to whom the alleged debt is currently owed, the account number used by that creditor, and the amount owed.
If this alleged debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the alleged debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the alleged debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? This MUST include a wet signature.
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
A copy of police reports filed against the original creditor addressing unlawful criminal credit/debt practices.
I formally request that you immediately cease and desist continued harassment and collection activity.
Proof that your agency is the sole owner of this alleged debt.
Proof that your agency is lawfully able to collect on this alleged debt.
Provide proof of this alleged debt such as a bill of sale, an " assignment '', or a receipt between the last creditor holding the alleged debt.
The amount and age of the alleged debt, including : A copy of the last billing statement allegedly sent to me by the original creditor.
State the amount of the alleged debt, when you obtained it, and from whom you purchased it from, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the alleged debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the alleged debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date ( s ) of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
|
| 02/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I have recently learned that my personal information was used to open 3 accounts across all three Credit Reporting Agencies. I did not open these accounts, and I am requesting that the account be blocked and that I be absolved of all charges on the accounts.
. Account in question : Creditor Account # Date Opened Balance XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$1100.00} Midland Funding ( XXXX ) XX/XX/XXXX {$1100.00} Medical account ( XXXX ) XX/XX/XXXX {$380.00} Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I have include an FTC Affidavit, a copy of my ID, a copy of my social security card and I am enclosing a copy of Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher as an consumer reporting agency in response to the Identity Theft Report I am providing.
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
| 12/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have already sent a signed cease and desist letter to Midland Credit Management , Inc . They have not only continued to contact me but sent letters about an alleged debt full of consumer rights violations.
A consumer has the right to privacy in accordance with 15 U.S.Code 6801 I did not give Midland Credit Management written permission to access my non public private information Pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor.
15 U.S.Code 1692b ( 5 ) states, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, this is a violation.
I did not give prior consent to communication with the debt collector, midland credit management. There was no prior consent from a court giving permission to contact me in collection of any debts and thus this communication by Midland Credit Management , inc. is a violation of 15 U.S.Code 1692c ( a ).
Midland Credit Management , inc. statement [ " If we dont hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney ] is language which is obscene and has caused anguish and anxiety for me. This is a violation of 15 U.S.Code 1692d ( 2 ).
Midland Credit Management , inc . Statement [ If your account is forwarded to an attorney, this may result in a lawsuit against you. ] is language which is obscene and has caused anguish and anxiety for me. This is a violation of 15 U.S.Code 1692d ( 2 ).
The false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). How can Midland Credit Management, inc. allege I owe a debt, but the debt is shown in a positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me.
PRE-LEGAL NOTIFICATION is a violation of 15 U.S. Code 1692e ( 3 ), the false representation or implication that any individual is is an attorney or that any communication is from an attorney.
I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Original Creditor : XXXX XXXX, XXXX. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). As I stated, I the consumer and natural person, is the original creditor. Only I can extend credit.
I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Original Creditor : XXXX XXXX, XXXX. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). As I stated, I the consumer and natural person, is the original creditor. Only I can extend credit.
I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Current Owner : Midland Credit Management , inc. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). 15 U.S. code 6801 states that I have a right to privacy. How can Midland Credit Mangement, inc. Own my nonpublic personal information?
I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Current Creditor The sole owner of this debt : Midland Credit Management , inc. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). AGAIN, 15 U.S. code 6801 states that I have a right to privacy.
According to the law, 15 U.S. code 1692b ( 2 ), a debt collector shall not state that such consumer owes any debt.
I have already sent a cease and desist and requested VALIDATION of alleged debt according to 15 U.S. Code 1692g. All I received was billing statements which is a violation and I continued to receive these harassing letters over and over.
This statement is from my exhibit as proof of continued harassment from Midland Credit Management , inc. [ as previously requested by you, we will no longer be contacting you regarding this account by phone or in writing unless required by law or you request that we resume communications. ] Midland Credit Management , Inc. also violated 15 U.S. Code 1692f which states, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. I also have proof of this violation of federal law.
I have not requested to resume communication and yet I am still being harassed. Clear violations of federal law.
According to 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) states an individual action is a violation worth {$1000.00} dollars, meaning each violation is worth {$1000.00} dollars. In accordance with 1 U.S.Code 1, words importing in the singular include the application to several persons, parties, or things, and therefore the single mention of the word action can mean each individual set of actions costs {$1000.00} dollars per violation.
According to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor. I am demanding all of the following : Deletion from all consumer reports.
Remove all remarks or comments off my consumer report.
And pay by check {$10000.00} to I the consumer for multiple violations of federal law.
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages.
Thank you.
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX XXXX XXXX XXXX XXXX. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX & {$XXXX I am well aware of my rights as a consumer. The XXXX XXXX XXXX XXXX requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
STATEMENT OF FACTS : RE : Alleged Account Name : Midland Funding Acct # XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$2000.00} I would like to inform you of and complain about some illegal practices of a company called Midland Funding whose office is located in XXXX XXXX, CA and is doing business in the state of Pennsylvania, my current state of residence.
Midland Funding placed a derogatory mark on my consumer credit reports sometime just prior to XXXX XXXX, XXXX. I checked my credit reports on XXXX XXXX, XXXX and noticed that Midland Funding placed a derogatory remark on my consumer credit reports with XXXX, XXXX and XXXX for {$2000.00} for account # XXXX. Upon learning of this discrepancy, I sent a dispute letter dated XXXX XXXX, XXXX in request of such proof that I owe Midland Funding any money. The letter was received on XXXX XXXX, XXXX. To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay Midland Funding. Midland Funding also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and Midland Funding and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, Midland Funding did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and Midland Funding.
I disputed the alleged debt in XXXX XXXX, however Midland Funding continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices.
Midland Funding failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4. Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ) for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
I received correspondence dated XXXX XXXX, XXXX from XXXX XXXX, Division Manager with Midland Credit Management , Inc. ( XXXX ) XXXX notifying me that Midland Funding received and processed my dispute and have found their information to be correct. Midland Funding updated the information furnished to the Credit Bureaus between XXXX XXXX and XXXX, XXXX. ( See copies of the relevant pages of my credit reports prepared on XXXX XXXX, XXXX- attached. ) I noticed the following discrepancies and inaccuracies furnished to the Credit Bureaus by Midland Funding : 1. Collection Account Name : XXXX XXXX XXXX XXXX and Original Creditor : XXXX XXXX XXXX XXXX. How is this even possible? The Contact Information lists Midland Fundings address in XXXX XXXX, CA.
2. Account Type : Open Account and Account Status : Closed. Again, how is this even possible?
3. Past Due Amount : {$2000.00} and a perfect Payment History beginning XXXX XXXX through XXXX XXXX. Once again, how is this even possible?
4. Your Statement : COLLECTION ACCOUNT. I have never added a statement to my Credit Report for this line item.
5. Account not marked disputed with XXXX Credit Bureau.
I am considering legal action against Midland Funding on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of {$1000.00} in damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Violation of Corresponding State Laws
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
15 USC 1692 ( a ) states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
XXXX XXXX XXXX has performed an adverse action to me the federally protected consumer by closing my open-ended credit account which was allegedly opened on XX/XX/2014, for an alleged debt in the amount of {$1700.00}. XXXX XXXX XXXX a.k.a XXXX XXXX XXXX, XXXX charged off the account and then sold it to Midland Credit Management. I was never given the right to arbitrate with XXXX XXXX XXXX and dispute the validity of this debt. I have reason to believe that XXXX XXXX XXXX is in breach of its own contract by not following through with the BINDING Arbitration Clause that was in place prior to Midland Credit Management acquisition of the alleged debt, which such company is attempting to sue me for the alleged debt in the amount of {$1700.00}. I have reason to believe there is a billing error, which I require documentary evidence that I owe such debt to the creditor XXXX XXXX XXXX pursuant to 12 CFR Part 1026.13 ( Regulation Z ), I gave XXXX XXXX XXXX a negotiable instrument to originate this account.
XXXX XXXX XXXX Arbitration Clause states : This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You have the right to REJECT this agreement to arbitrate by using the procedure explained below.
If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY CLASS ACTIONS AND SIMILAR PROCEDURES WILL NOT BE AVAILABLE TO YOU.
Agreement to Arbitrate : You and we agree that either you or we may, without the others consent, require that controversies or disputes between you and us ( all of which are called Claims ), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act ( the FAA ), 9 U.S.C. 1 et seq., and ( to the extent State law is applicable ), the laws of the State of Nevada.
For purposes of this agreement to arbitrate, you includes you, any co-applicant, any Authorized User ( including Additional Cardholders ), or anyone else connected with you or claiming through you ; and we or us includes XXXX XXXX XXXX, XXXX, all of its parents, subsidiaries, affiliates, successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with the subject matter of the claim or dispute at issue.
In the attachment, you will see that Midland Credit Management has created a deceptive form to create a false belief that I owe such debt. Pursuant to 15 USC 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXk antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
I never gave Midland Credit Management, nor their attorneys XXXX, XXXX, XXXX XXXX XXXX, XXXX the consent to contact me about such alleged debt.
|
| 07/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This is a very frustrating situation until I found out through studying the FCRA/FDCPA that there are practices and laws in place for the consumers when they have not been handled correctly. My husband and I went on vacation to XXXX, FL in XX/XX/2018 to travel and get away to try to start living life again after losing our son! We went to a timeshare presentation at XXXX. When we got there everyone filled out this piece of paper. It wasn't a formal application or anything but we were told that it will be used to see if we qualify for the timeshare. I kept seeing XXXX XXXX Bank and asked why isnt it saying XXXX on here? The gentleman said well it is still XXXX but it handles the financial side, whereas, anything XXXX is the property side. So I said ok that makes sense and I completed the form! So after the presentation, the guy comes back excited and says you qualify for everything and won't have to do a down payment. So we were like uhm ok! They then had us talking to different people because we were stating we heard a lot of negatives about timeshares, so I guess they were taking us up the ranks with the next person that had greater persuasion. So they sent XXXX which was the last person, she was very nice and inviting and we told her why we were in FL and she was very empathetic and began to share about her daughters illness and how they had a scare a few times and she couldnt imagine losing her. So we then said, well we do want to travel more and this could be a healing process for us and she offered to take us to tour the property. After, the tour they took us to the business office and they had the contract already completed and everything. Well, we went through the process and they said we qualified for extra bonus points and they have the best taxes and maintenance fees and all of that will be taken care of. Well the following month, we went to XXXX XXXX and we went to another time share presentation just to see if we got a good deal. However, we already had in our minds we are not going to buy. Well while we were there we were talking to a guy and had mentioned we are not interested because we just went through XXXX and just wanted to tour the property. Well when we said that he went and got a guy that worked with him but had a time share with XXXX. He then began to ask us about the points and when we told him the points we will get every year, he said and how much are you paying monthly for that, we told him and his eyes got really big! He said I'm going to be honest with you, that is what we call bottom feeders points and you are going to have a really hard time securing any property with that. He stated he gets over XXXX points every year and he does not pay close to what we are paying, He didn't try to get us to buy the time share or anything at that point but he told us when we get back home just go in and try to secure a property and date for vacation. Sure enough, it said that my points doesn't qualify for the properties that we were really interested in. I then called XXXX and explained the issue I was having and she began to go over my account and said " I see you're making payments on your down payment and you received bonus points on top of your regular points. '' I told her we didn't have to do a down payment and we were given the bonus points because we qualified for everything! I said they also gave us a members reward card ( which we learned was an actual credit card with our member number on it ). Come to find out they opened a line of credit and a credit card in my name. I was so angry I told her I wasn't making another payment to XXXX for NOTHING because this was very deceptive. She apologized and said it's really nothing they can do because even though everything shows through XXXX it's actually other companies and it could damage us if we don't make the payments. I immediately reached out to the Rep XXXX who assisted us and gave us the tour. I expressed how upset we were and we felt they didn't disclose a lot of things we would encounter after making such a promising presentation and the points presented wasnt what we received. I believe at some point she was instructed to stop responding to our text and calls. So now I have several accounts on my credit plus collections because of all of this! I felt so hopeless because this wasn't right! Then on top of that I had an encounter with Midland Credit a debt collector, which I typed up a letter to send to the FTC but I wanted to wait because I disputed that account and the others and they all came back verified. How were they verified and they have no contracts with my signature where I agreed to any transactions with them. The only one that has my signature and a contract was XXXX. But what they did with that initial form I filled out they went and opened these accounts giving me the impression that it was all through XXXX.
These are the accounts below : XXXX XXXX Line of credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector XXXX XXXX XXXX Debt Collector I have attached the parts of the contract supporting all of this information. The bonus points, contract, down payment ( where we saw approved thinking it was saying approved we didnt have a down payment ) but it was actually the line of credit opened when we were thinking that was for the taxes and maintenance fees and lastly, the little slip of paper that started it all. I also attached a copy of the letter that I had typed up for the FTC because of Midland Credit actions and held off waiting for their response with the credit bureaus.
|
| 02/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was sued by Midland Credit Management through attorney XXXX XXXX, XXXX in Utah. The debt originated in California, defaulted in California due to Covid and I tried to make payments and the collection agency declined to accept my payment plan. I had been mandated shut by Covid closures in California, had my son pass away, two personal injuries due, one in litigation leaving me with a XXXX XXXXXXXX, was a victim of stalking and harassment due to domestic violence, 6 arrests made at this time, I had to relocate 5 times and prosecute the man behind this. Unfortunately, due to these string of events I defaulted on the payment plan. I was harassed despite telling the collection agency that I had been ordered to close due to Covid mandates in the XXXX XXXX XXXX and tried to initiate payments and was denied by the collection agency demanding full payment, half payment or I would be sued. I had to go on food program and didn't have the money for the full or half payment of the debt. I asked them to stop calling, the refused and left me with increased XXXX and fear. I relocated out of California and their lawyers XXXX XXXX and XXXX XXXX working for XXXX XXXX XXXX sent me a demand, which I immediately responded to and asked to make again, payments of $ XXXX and they declined again wanting to tack on fees for court costs before they filed a court lawsuit. They sued, I responded, submitted evidence of 6 violations of unfair credit collection practices in California, Utah and Federal by the Protection act in Federal and both states. The judge stated this should go to trial after he read and saw my evidence and careful documentation. They refuse to take my settlement, after agreeing to unless I paid court costs ahead of even filing a lawsuit. So I said - if I have to pay court costs, we may as well go to court. I am not denying the debt or the default, I am arguing that they refused to take my payments multiple times. They published on their website that they were going to help consumers due to the Covid shut downs and loss of income and their own website says they are going to help consumers. I am a business woman. I am not trying to get out of paying it. I am now going to have a 2nd hearing where I will ask for a trial. They are in violation of harassment, over zealous collection efforts, refusing to take payments, tacking on costs to my debt and refusing to settle in full payment of the debt unless I pay court costs which on a verified recorded line, 26 minutes long by their office to myself agreed to the payment plan ahead of filing the lawsuit, but when I refused to pay court costs as they had not file a court case at that time, they said they would move forward with suing me. This entire action is unnecessary bullying by a consumer credit management team that is frivolous, their actions violate the fair collection act in 2 states and Federally. Court case by them against me is Case NoXXXX Judge XXXX in XXXX XXXX XXXX XXXX XXXX Utah XXXX Their filing a lawsuit when a settlement in full was accepted by them has created a lawsuit, public record that has damaged my reputation, I have had emotional distress and XXXX and been threatened by a lawsuit during a pandemic and had countless calls threatening me during a pandemic. Their own collection letter said I could enter a payment arrangement as they had accepted federal funds to help them help me and XXXX XXXX to help them help me. They have acted in bad faith. Their website states : so we want to relay that our thoughts are with those affected and that we have services to provide both hardship assistance and prevention. If you've been impacted by Coronavirus COVID 19, either physically or financially, and need our support, we're here to help '' It goes on to say " these are just a few of many steps we are taking to ensure the continuity of service to customers. Our focus is on the safety and wellbeing of both customers and employees, so together we will not miss a beat ''. It goes on to say they have a commitment to our customers. I was given NO such commitment, not treated as a customer of long standing and offered no consideration. The State of California fair collection act states : 1/ credit is an important feature of the economy 2/ some default in repayment can be anticipated 3/ reasonable enforcement measures may be employed and 4/ debtors must be treated honestly and fairly. Siting statutes ss1692-1692p ; 806p ; 807 ; 808 ; 811 ; 813 of the codes that they have violated. Your statutes state attorney fees should not be included ; collection expenses should not be included and the application of payment " must follow the debtor 's instructions on allocation of payments to a particular debt ''. My payment plan was denied multiple times. In writing. They are in violation of unconscionable and unfair means. They threatened me during a pandemic and acted on that threat when a settlement arrangement had been accepted by them for full payment of $ XXXX. I might add that all my other creditors made arrangements with me and most of them have been now paid in full or are on payment to be paid in full. Only this credit management team is outstanding because of their refusal to accept my payments during a pandemic and after.They were rude, nasty and threatening during the pandemic for me to come up with the money when I was on a penny to penny budget wanting my rent monies or utilities money when I didn't have a job. I wish to report them in full for their misconduct and have preserved all the records diligently and accurately.
|
| 07/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I AM A FEDERALLY PROTECTED CONSUMER MY RIGHTS HAVE BEEN VIOLATED BY MIDLAND FUNDING ACCT XXXX XXXXXXXX. I HAVE FEDERAL CONSUMER RIGHTS ACCORDING TO THE FDCPA. I REJECTED AND I STILL REJECT MIDLAND FUNDING OFFER TO CONTRACT. I DID NOT NOR DO I CONSENT TO ANY NON-AFFILIATED THIRD PARTY ( MIDLAND FUNDING ) TO BE IN POSSESION OF MY Non-public Personal Information. THIS IS A BREECH OF PRIVACY OF THE GRAMM-LEECH-BLILEY ACT and the FEDERAL TRADE COMMISION THE ( FTC ) CONSIDERS MY NON PUBLIC PERSONAL INFORMATION VERY IMPORTANT TO PROTECT. I NEVER GAVE MY PERMISSION TO ( MIDLAND FUNDING ) USE OF ANY OF MY NON PUBLIC PERSONAL INFORMATION TO COMMIT FRAUD BY PUTTING THIS, ALLEDGED, AND VERY DAMAGING TO MY REPUTATION COLLECTION ON MY CONSUMER REPORT. I WAS DENIED A HOME LOAN EXTENSION OF CREDIT DUE TO THIS COLLECTION ON MY CONSUMER REPORT. THE FTC HAS A STRONG STANCE AGAINST FTC PARKING It means that debt collectors can't report your debt or your supposed debt to credit reporting agencies without first trying to check with you. That's a key takeaway from the FTC 's case against XXXX XXXX XXXX, XXXX. The FTC says XXXX used debt parking to collect fake or questionable debts SO 1. MIDLAND FUNDING THIS IS YOUR NOTICE TO DELETE THE COLLECTION FROM MY CONSUMER REPORTS. 2.THIS IS YOUR 2ND NOTICE to CEASE AND DESIST ALL illegal activity and ALL communications with me and the furnishing of this false credit information ON MY consumer report which IS considered communications and ILLEGAL activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By CONTINUING reporting this on my consumer report this alleged debt SOLD BY ( XXXX ) OF MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( MIDLAND FUNDING ). I now have STRONG reason to believe that you BOTH ARE conspiring against me trying to EXTORT ME on a EXTENSION OF CREDIT through unlawful EXTORTIONATE MEANS. 18 USC 894 STATES a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. There is NO TRILATERAL CONTRACT BETWEEN US ( MIDLAND FUNDING ) CASE LAW SPEARS V BRENNAN Court of Appeals of Indiana ESTABLISHES MY STANCE SO THERE IS NO LEGAL LAWFUL OBLIGATION FOR ME TO HAVE TO PAY ( MIDLAND FUNDING ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN US. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM 3RD PARTY DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGE TO THE CONSUMER LIKE YOU DID ME. FTC LAWS MAKES IT CLEAR MIDLAND FUNDING ARE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. BY MIDLAND FUNDING REPORTING THIS ALLEDGED DEBT ON MY CONSUMER REPORT I WAS DENIED PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " MIDLAND FUNDING '' ON MY CONSUMER REPORT YOU HAVE CAUSED ME DAMAGE EMOTIONALLY BY BEING DENIED. NOW DUE TO THIS FALSE CLAIM MIDLAND FUNDING YOU ARE RESPONSIBLE AND YOU HAVE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT ESTABLISHED BY US CONGRESS. AND YOU ARE NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). WITH THE FDCPA LAWS I DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED,, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) is a violation under the FDCPA allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY MIDLAND FUNDING " FURNISHING THIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT YOU HAVE DAMAGED MY CONSUMER REPUTATION. I WAS DENIED A HOME LOAN. AN EXTENSION OF CREDIT AGAIN WE HAVE NO CONTRACT. I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND FUNDING NOR DO I DESIRE TO. IMMEDIATELY DELETE THE ALLEDGED DEBT FROM MY CONSUMER REPORT. AND BE ADVISED UNDER 15 USC 1692K I AM ENTITLED TO CIVIL DAMAGES {$1000.00} PER VIOLATION FINDINGS. AND I AM NOW POINTING OUT I FOUND FDCPA VIOLATIONS. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$2000.00} DAMAGES FOR VIOLATIONS OF THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX, IA XXXX. MIDLAND FUNDING DELETE THIS ALLEDGED COLLECTION FROM OFF ALL MY CONSUMER REPORTS IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, CFPB. FEDERAL LAW HAS GUIDELINES THAT ALL THIRD PARTY DEBT COLLECTORS ( MIDLAND FUNDING ) MUST COMPLY WITH. DELETE THIS COLLECTION NOW. AND MAIL ME MY CIVIL DAMAGES I AM ENTITLED TOO IN A CERTIFIED CHECK WHICH I AM DUE IMMEDIATELY UNDER THE FDCPA FOR MIDLAND FUNDING VIOLATING MY RIGHTS UNDER THE FDCPA. I AM ASKING FOR THE CFPB TO REGULATE OVER THIS CASE.
|
| 07/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I AM A FEDERALLY PROTECTED CONSUMER AND UNDER THE FDCPA I HAVE RIGHTS. I HAVE BEEN VIOLATED BY MIDLAND FUNDING ACCT # XXXX. I REJECTED AND I STILL REJECT MIDLAND FUNDING OFFER TO CONTRACT. I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( MIDLAND FUNDING ) to be in possession of my Non-public Personal Information. THIS IS A BREECH OF PRIVACY ACCORDING TO XXXX ACT, FEDERAL TRADE COMMISION THE ( FTC ). I NEVER GAVE MY PERMISSION TO ( MIDLAND FUNDING ) USE OF ANY of my NON PUBLIC PERSONAL INFORMATION to commit fraud by putting this, ALLEDGED, AND VERY DAMAGING COLLECTION ON MY CONMSUMER REPORT. I WAS DENIED A EXTENSION OF CREDIT RECENTLY DUE TO THIS COLLECTION ON MY CONSUMER REPORT THAT MIDLAND FUNDING REPORTED. 1. MIDLAND FUNDING THIS IS YOUR NOTICE TO DELETE THE COLLECTION FROM MY CONSUMER REPORTS 2.THIS IS MY 2ND NOTICE to CEASE AND DESIST ALL illegal activity and ALL communications with me and the furnishing of this false credit information ON MY consumer report which IS considered communications and ILLEGAL activity ON XX/XX/22 I SENT THE CFPB A DISPUTE ABOUT YOUR VIOLATIONS AND TOLD YOU THEN THIS. MIDLAND FUNDING YOU ARE IN VIOLATION OF 15 USC 1692C. YOU HAVE VIOLATED MY FEDERAL CONSUMER RIGHTS AGAIN I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By CONTINUING reporting this on my consumer report this alleged debt SOLD BY ( XXXX ) TO ( MIDLAND FUNDING ) WITH MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( MIDLAND FUNDING ). I now have STRONG reason to believe that YOU BOTH ARE conspiring against me trying to EXTORT ME on a EXTENSION OF CREDIT through unlawful EXTORTIONATE MEANS. 18 USC 894 STATES a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. There is NO TRILATERAL CONTRACT BETWEEN US ( MIDLAND FUNDING ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Indiana ESTABLISHES MY STANCE SO THERE IS NO LEGAL LAWFUL OBLIGATION FOR ME TO HAVE TO PAY ( MIDLAND FUNDING ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN XXXX. THE FAIR DEBT COLLECTION PRATICES ACT ( XXXX. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGES LIKE I HAVE RECIEVED. MIDLAND FUNDING ARE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. BY MIDLAND FUNDING REPORTING THIS ALLEDGED DEBT ON MY CONSUMER REPORT I WAS DENIED AND PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " MIDLAND FUNDING COLLECTION # XXXX '' ON MY CONSUMER REPORT. NOW DUE TO THIS FALSE CLAIM MIDLAND FUNDING YOU ARE RESPONSIBLE AND YOU HAVE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT ESTABLISHED BY US CONGRESS. AND MIDLAND FUNDING ARE NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED,, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) is a violation under the FDCPA allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY MIDLAND FUNDING ACCT # XXXX " FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE DAMAGING MY CONSUMER REPUTATION. AGAIN I WAS DENIED A EXTENSION OF CREDIT DO THIS COLLECTION ACCOUNT ON MY CONSUMER REPORT. AGAIN WE HAVE NO CONTRACT. I DONT HAVE ANY BUSINESS DEALINGS WITH MIDLAND FUNDING NOR DO I DESIRE TO. IMMEDIATELY DELETE THE ALLEDGED DEBT FROM MY CONSUMER REPORT. AND BE ADVISED UNDER 15 USC 1692K I AM ENTITLED COMPENSATION DO TO YOUR VIOLATIONS OF THE FDCPA THATS {$1000.00} PER VIOLATION FINDINGS. AND I AM NOW POINTING OUT I FOUND FDCPA VIOLATIONS. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED {$2000.00} FOR DAMAGES ACCORDING TO THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX IOWA XXXX, IA XXXX. THEN DELETE THIS COLLECTION FROM OFF ALL MY CONSUMER REPORTS IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS HAVE BEEN ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, CFPB. FEDERAL LAW IS TO BE COMPLIED BY THIRD PARTY DEBT COLLECTORS ( MIDLAND FUNDING ) MUST FOLLOW THE FEDERAL LAW. DELETE THIS COLLECTION NOW AND MAIL ME MY CIVIL DAMAGES I AM ENTITLED IN A CERTIFIED CHECK WHICH I AM DUE IMMEDIATELY UNDER THE FDCPA FOR MIDLAND FUNDING VIOLATING MY CONSUMER RIGHTS. IM ASKING FOR THE CFPB TO REGULATE THIS SITUATION AND ALSO LOOK AT THE PRIOR REPORT I HAD FILED AGAINST MIDLAND FUNDING TO THE CFPB REPORT # XXXX IT WAS SENT ON XX/XX/22. YOU WILL CLEARLY SEE THE FDCPA VIOLATIONS IN THIS CASE AGAINST MIDLAND FUNDING.
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, Midland Funding LLC through and by their attorney brought suit against me in the Magistrate Court of County GA for the amount of {$700.00} plus cost of court.
On XX/XX/XXXX, the matter was tried in the same court. After all testimony and evidence was heard the court found in favor of Plaintiff ( Midland ) in the amount of {$260.00} plus cost of Court in the amount of {$100.00} for a total judgment of {$360.00}. In addition the court denied Midlands request for post judgment interest as they were unable to provide a valid enforceable contract or agreement.
On or about XX/XX/XXXX, The attorney office of XXXX, XXXX XXXX XXXX XXXX, on behalf of their client ( Midland ) did have my employer served with a Summons of Continuing Garnishment for the judgment amount of {$360.00} plus an additional cost of {$260.00} for cost of Summons of Continuing Garnishment for a total amount to be wage garnished in the amount of {$620.00}. Attached to the Summons of Garnishment was also Affidavit of Continuing Garnishment. Both are attached.
On my XX/XX/XXXX pay check {$590.00} was withheld for payment of the Garnishment. Copy attached On my XX/XX/XXXX pay check the balance of {$34.00} was withheld for the total amount of {$620.00} paid in full. Copy attached.
This judgment is now paid in full.
On XX/XX/XXXX, I contacted XXXX, XXXX XXXX XXXX at the phone number listed on the court filings ( XXXX ). After providing XXXX, XXXX and XXXX their aph fILE No. and verifying my identity, I explained I was calling to inquire why I had not received my paid in full letter and as to why the Satisfaction of Judgment/Lien release had not been filed or received by me or the court. It was at this point I was informed that there was still an outstanding balance on this account in the amount of {$540.00}. This amount seems to represent the full amount that they sued for and not the correct amount of the actual judgment that was determined to be owed by the Court. I was informed that until these monies were paid that this debt was not satisfied and that it still had a amount they wanted to be paid. Told me I should contact Midland for further questions and all they can do is open a dispute. I requested that I be contacted before end of day by someone who could help resolve this issue, As of this date I have not been contacted or assisted in any manner.
This company is of no help, they will not update their records to show this debt is paid in full and have not released the Lien with the Courts as required to do upon Satisfaction of this Judgment. They are attempting to collect an amount they are not entitled to and misrepresent the debt as still being due and owing in violation the Fair Debt Collection Practice Act and in violation of Georgia State Law.
In addition, immediately after speaking with this company I contacted their client, Midland Funding.I immediately spoke with Midland Credit Management, explained the above conversation I had just finished with their agent/attorney office and asked for them to adjust their records to show that this account is paid in full. Midland rep then again told me that this debt was not paid and that the outstanding balance needed to be paid. I again explained to them that they are trying to collect the wrong amount, that the amount they sued for was NOT the amount that was determined I owed and that this debt is paid in full. They stated they would open a dispute but until then there was nothing else they could do. I asked for someone to contact me by the end of the day in order to resolve this matter. As of this writing as usual I have had no response to this matter.
In addition, I again explained to them ( Midland ) that they continue to report this information to the Credit Reporting Agencies and that just as my previous disputes with them about this matter and in spite of knowing the information is incorrect they continue to report to all Credit Bureaus that this account is in collections, due and owing and showing a wrong amount owed. They have continued to update this information each and every month since XXXX even though they have been told on multiple occassions and through Credit Bureau disputes that the information they are reporting is wrong.
Their policy stated on their website and public record is that once this account is paid in full that it will be removed/deleted from all credit reporting agencies. However they have failed to remove this inaccurate, false and misleading information and in fact despite my disputes to owing any debt and their continued reporting updated the inaccurate information 3 days after speaking with me in order to intentionally damage my credit and an attempt to extorate monies not owed to them. Copy of credit reporting attached, one will show that this item has previously been disputed by the notation and date of reporting of the information and the other will show that they updated on XX/XX/XXXX after my call of XX/XX/XXXX and yet again updated the false information.
They are attempting to collect an amount they are not entitled to and misrepresent the debt as still being due and owing in violation the Fair Debt Collection Practice Act, The Fair Credit Reporting Act and in violation of Georgia State Law.
PLEASE NOTE THAT AFTER MANY ATTEMPTS TO COMPRESS UNSUCCESSFULLY THAT MY FILES ARE OVER THE ALLOWED LIMIT SO I AM UNABLE TO UPLOAD, BUT CAN BE SEND ANOTHER MANNER IF NEEDED.
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company, Midland Credit Management has furnished a collection on my consumer report without allowing me to validate the debt first. This is part of the reason I am submitting this complaint today. They are attempting to collect on a debt transferred from XXXXXXXX XXXX XXXX with the account number XXXX and the balance being {$420.00}. They reported this information to XXXX and XXXX on the XXXX of XXXX and for XXXX they reported it on the XXXX of XXXX. I provided a screenshot of my consumer report.
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, in order for me to validate this alleged debt, I am requesting the entire purchase agreement of this transferred contract/instrument be sent to me. I do not want just the bill of sale. Please send me the entire purchase agreement of this account or you will not be validating this alleged debt per my request. In addition to sending the entire purchase agreement, I am requesting the following items. Pursuant to 12 CFR 1006.34 please provide me with a copy of all the following : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
( 3 ) Information about consumer protections.
( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.
( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.
( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.
( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureau 's website at www.cfpb.gov/debt-collection.
( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
Lastly, Pursuant to Uniform Commercial Code 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER, this item can not be in collected by you, Midland Credit Management because once the contract/instrument is transferred, the rights to collect are cancelled unless I indorse the transferred contract/instrument with you ( midland credit management ). You need an indorsement ( as described in Uniform Commercial Code 3-204 ) from me in order to lawfully collect on this alleged obligation. Otherwise, without my indorsement you CAN NOT collect. If you believe otherwise, please send me the contract in which I indorsed and you, Midland Credit Management indorsed with wet ink.
You have 15 days after receiving letter to send me all items stated above to validate this alleged debt. If you can not send all of the requested items in a timely manner then I demand that you remove this inaccurate information from all consumer reports as it is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If you do not, I will seek litigation for damages.
|
| 01/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To Whom It May Concern : First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company.
I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : MIDLAND CREDIT MANAGEMENT Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g, more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
This is an ALLEGED debt that I do NOT owe.
Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies.
You had no permissible purpose by law to report this alleged debt and have violated 15 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law.
UCC Article 9-210 ( 2 ) is noted below.
9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.
( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).
( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.
If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation.
Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report.
Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted.
You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies.
CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
|
| 11/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I want to start off by saying that I have been harassed by XXXX XXXX through judgements, wage garnishments, and letters that i did n't agree too. In XX/XX/XXXX there was a civil warrant issued against me because XXXX XXXX went to court and had a judgment placed against me for some old debt of mine that they supposedly had purchased from the original creditor. Then the following year in XX/XX/XXXX they persisted in having another judgement placed against me for another debt that they purchased from either the same or another creditor in which another civil warrant was placed against me. I wasnt aware that i was ever summosed to court until about 2 years ago when i had a garnishment sent to my employer who in returned informed me. I was in a situation in that i had to go and file a motion to stop the garnishment at the courts in XXXX Tennessee. At that time a court date was set. When i went to court, i had no idea about my rights in a matter such as this. I agreed to pay $ XXXX month at the time because I did n't want my wages garnished and I did n't know what else to do. I could n't afford a lawyer and I could n't take off work because I needed the money to pay my bills. At the time I was working 20 hours a week and my check was about {$420.00} every two weeks. I had XXXX young kids at the time. But to make matters worst at that time, the man who was representing XXXX XXXX who was present in the court room asked the judge to increase the amount that I agreed to pay and He said that {$25.00} was to low of a payment. He told the judge to increase it to at least {$40.00} a month instead of {$25.00}. Talk about money hungry! When I left court I decided one day that i would investigate and research to see who these people really were and how do I owe them. I sent them letters that i have included in this complain requesting some kind of documentation that i signed a agreenent or contract or that they have any documentation showing me that i owe them.They have been on my credit report for like 8 to 9 years. But this debt they are trying to collect is way past the statue of limitations according to Tennessee law. This bill is around 10 years old according to the letter XXXX sent me in response to a previous letter i sent them requesting proof of me owing this debt to them. I also have attached this letter in this complaint form as well. It states when i suppodly opened the account, when XXXX XXXX saud that they bought it etc ... I have soo much more to say however it will take too long. Going through a situation like this it has taught me a valuable lesson. KNOW YOUR RIGHTS AS A CONSUMER AND AS A INDIVIDUAL! I felt like I was in some sort of financial prison and I was never get out dealing with XXXX XXXX. I also want to clarify that i have attached documents that i would like you to review closely. At the top it has in bokd letters Civil Warrant it has the following dates stamped on this document : XX/XX/XXXX..XX/XX/XXXX ... XX/XX/XXXX and XX/XX/XXXX ... Notice i have two copies of the same civil warrant with case # XXXX ... .. One was handwritten fir me to appear in court on XX/XX/XXXX ... Even if if I was served with these papers I would n't have known which one was the real one. I questioned this. Now I was given these papers by the courts in two different occassions. The debt is soo old even the 3 credit bereaus decided that enough was enough and they removed it off my credit. were make matters worse I was n't served personally with neither civil warrant. I said this because I had no knowledge of neither warrant to appear in court. If i was aware of these two civil warrants/ judgements because if I wouldve I would 've took care this matter at that time. for years, then they sent me letters talking about a settlement in which they stated that i agreed to but that was very untrue. XXXX XXXX took out 2 judgement against me, according to 2 affidavits in the year XX/XX/XXXX, that I purchased XX/XX/XXXX which I included in this complaint. In mu conclusion, XXXX XXXX have tried to sue me for 2 different debts. They ( XXXX XXXX ) are continuing to bring up reaged debts to collect money from me. I have been back and forward downtown to seek legal help on this matter which is costly because I have to leave work early, pay for gas, and spend lots of time filing and money paying forms for things that I should n't be paying for. I really fill like I was improperly served, and my lack of knowledge not knowing my rights were at the time token advantaged of. I am still going back and forward to court for the same two cases.. Did I mentioned that XXXX XXXX had continually ruined my credit in the past. I have copies of old credit report in which XXXX XXXX reported monthly negatively to cut my credit down. I have been denied credit in the past because of XXXX XXXX. Also I have included some of the documentation in which I have in my possession. If you need more I could fax or send more for proof ... I am also schedule to go to court XX/XX/XXXX on these debts from 10 years ago. I have to take off work, that cost money, i have put more gas in my car that 's more money, i have to pay for parking, that 's more money, i have to maybe pay court cost and fees that 's more money. I have kids to take care of. What are these people trying to do ... I have to live took. MY XXXX Help Me! Please!
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It all started back in XX/XX/XXXX when I pull my credit report from XXXX XXXX XXXX and XXXX and XXXX XXXX. When I noticed a collection hit my report, the collection was made from Midland credit management at that point I knew they had already violated my consumer protection act, 15 USC 1692H section 809 a within five days after the initial communication with a consumer in connections with the collection of any debt a debt collector shout unless the following information is contained in the initial communication or the consumers pay the debt send the consumer a written notice containing certain information. Midland did not send me any communication or even reach out to me they simply just went on and put it on my credit report. On or about XX/XX/XXXX I filed a complaint with the CFPB complaint number XXXX stating that they were an accurate reporting on my credit report and that I want certain information to validate this debt. Midland never even answered your complaint as you stated that they would. So on XX/XX/XXXX I pulled my report again from experience file number XXXX XXXX. And explain it to Midland that under the 15 US code 162 I have the right to ask them for validation of the debt. What I did ask them was for the original contract payment disclosure interest rate disclosure balance history payment history and credit insurance. I gave them 30 days to respond and they did not respond. On or about XX/XX/XXXX I pulled my credit report from XXXX XXXX reference number XXXX I noticed it was no change from Midland credit. On XX/XX/XXXX Midland sent me another letter stating that his debt was being old and that the accuracy and credit reporting was correct. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX and XXXX explaining that this collection is reporting in accurate and that's a violation of my rights and that I wanted this account to be removed nothing never happened. I on XX/XX/XXXX I sent another letter to Midland explaining to them and ask him them where is the validation of this debt and I was executing, right under the FCRA and I went into state the violations the I found while dealing with Midland these are the following violations that I told them that they were violating 15 USC 1690 to b ( 2 ), 15 use 1692F ( 8 ), 15 use 1692b ( 5 ), 15 use 1692j, 18 use 1028a, 15 use 1692e ( 11 ), 15 use 1692 ( g ). Once I stated this to them I kindly asked him to please remove the debt and which I could collect {$1000.00} per violation and as you can see the seven violations and that one letter which is {$7000.00}. On or about XX/XX/XXXX I found another complaint with the CFPB for a improper use of credit reporting and once again Midland did not reply nor did they delete the collection of my report on all about XX/XX/XXXX XXXX XXXX since me a pre-legal notification pretty much threatening me on or about XX/XX/XXXX Midland since me another accurate of credit reporting. Going on about XX/XX/XXXX I sent Midland XXXX and desist letter asking them per the Federal credit deck collection act 15 USC 1692C you are here by notified to immediate seas communication concerning the Collection of the debt associated with the above reference account. Midland still didn't care. Oh no about XX/XX/XXXX I sent another letter to XXXX XXXX XXXX and XXXX asking them to please remove this credit collection off my report because it's reporting in accurate. On I vote XX/XX/XXXX I came across a court document case number XXXX XXXX XXXX the bureau of consumer financial protection versus encore capital group and Company Midland funding LLC Midland credit management and Company an asset acceptance capital courts which means that this company has been sued for an accurate in answering disputes I also came across in XX/XX/XXXX the violations that was stated in the complaint regarding Midland please take a read of that at this point at this point I gave it a break for a minute to regroup on what my next action was I'm trying to get this company to remove this collection or provide me the information stating it's my debt and they're able to collect in the state of New Jersey. XX/XX/XXXX Midland decided to send me another pretty legal notification threatening me to take me to court so once again I sent them another letter stating to validate this debt, and after receiving that letter I called him and asked him what was the subtle amount they told me there was none they want a full payment Midland has been reported every month different amounts on my credit report one amount will be XXXX the next amount will be XXXX they're doing this to keep prolonging the time that this debt will be removed off of my report XXXX of this month Midland since me another threatening prelegal notification but nothing. At this point I feel like Midland ruining my life and stopping me from being able to get other credit from other people this is a defamation of my character and for that reason I am asking for this account to be deleted from off of all three credit reporting and I am seeking monetary relief in the amount of {$4000.00}. If you take a look at complaints XXXX, XXXX, XXXX you will see me and then does this and they have been sued over and over again please look at your complaints even with your company who have sued XXXX for doing this kind of stuff
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AFFIDAVIT OF TRUTH XXXX XXXX XXXX, a consumer a natural person of age and competent to testify, based on my own personal knowledge : XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ). ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR MIDLAND FUNDING, LLC pursuant to federal law 15 USC 1692a ( 4 ). ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
XXXX XXXX XXXX a consumer a natural person The ORIGNATOR MIDLAND FUNDING, LLC is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts listed below.
I am demanding deletion of entire account listed below : 1. MIDLAND FUNDING, LLC- Remove or delete this account from my consumer report.
XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigate individuals please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
1. Consumer is NOT in receipt of any document which verifies that corporation MIDLAND FUNDING, LLC have standing to collect any money allegedly owed in Florida.
2. Consumer is NOT in receipt of any document which verifies that MIDLAND FUNDING, LLC has standing to collect any money that they claim I owe in the state of FLORIDA.
3. Consumer is NOT in receipt of any document which verifies that I have a contract with MIDLAND FUNDING, LLC 4. As a result of the harassment by MIDLAND FUNDING, LLC. I have been damaged financially, socially and emotionally.
|
| 04/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To Whom It May Concern : The following complaint is being filed against Midland Credit Management for what is considered unfair and deceptive debt collection practices.
My original debt with XXXX XXXX was acquired by Midland Credit Management and per a Maryland XXXX XXXX order, a judgement was subsequently entered.
Since XX/XX/XXXX, I have made monthly payments as agreed and have not breached this agreement which my credit profile with the bureaus indicates. I have also never received any communication ( calls, emails or messages of any kind ) from Midland Credit Management advising of any violations of this agreement on my part.
On XX/XX/XXXX, I contacted Midland Credit Management to inquire about a PAY FOR DELETE option ( where I could potentially pay off the debt balance in full, in exchange for getting the collection removed/deleted from my credit history ).
The sequence of this call was as follows : Spoke with XXXX at Midland Credit Management ( XXXX ) first ; he told me to call the legal team at XXXX ( Direct Line : XXXX ).
I called the legal team and spoke with XXXX XXXX ( manager was named as XXXX XXXX ). After asking for my name and other information, XXXX followed the script by advising that this is an attempt to collect a debt and information obtained would be used for that purpose. I chuckled at this statement and kindly reminded XXXX that Midland Credit Management was already collecting the debt as per the agreement and that it was I who was contacting them with an inquiry. XXXX advised that this was something they had to say prior to proceeding with the conversation. I explained to XXXX that I was calling to solely inquire about the PAY FOR DELETE option and advised IF Midland Credit would be willing to delete the collection from my credit history and state so in writing, that I would in exchange consider paying my full balance. I emphasized that I would not agree to pay the full balance without having received a letter from Midland Credit Management acknowledging their agreement to delete the collection from my credit profile. XXXX placed me on hold and upon returning, advised that their team was putting together a letter to send me that morning. XXXX repeated my ask and said so you agree to pay the full balance and asked me to state yes. I told him No, Im not agreeing to pay the full balance UNLESS Midland Credit Management agrees to delete the collection. He attempted to reassure me, stating oh no maam, this is not your agreement to pay today. I reiterated that I was not agreeing to pay anything, only inquiring.
Midland Credit Management submitted their first and only email to me since the XXXX judgement, on XX/XX/XXXX at XXXX. Their notation even stated as requested. The letter only stated that the account would be reported as PAID ( not deleted ), upon their receipt of my payment.
Because this was not what I requested, I called back at XXXX and spoke with XXXX XXXX I advised him that the letter did not state the account will be deleted as I requested ; therefore, I would proceed with our original agreement. XXXX placed me on hold approximately 3 times, advising that his aim was to see if he could get what I want on the letter because they rarely have people to call in who want to resolve the account in full. Further proof that this was my only aim/reason for contacting Midland Credit Management and that it would be contingent upon a deletion. XXXX kept coming back stating that Midland Credit Management has a standard practice whereby once an account is paid in full, they will report it as such. He came back one final time to advise that they would not be able to submit a letter to me stating that they would delete the account from my credit profile. To which, I replied that I will just proceed with my normal payments then.
I attempted to simply negotiate a deal that could be potentially beneficial to both parties. Instead, on XX/XX/XXXX, I received a notice from Midland Credit Management stating that I agreed to pay them the full balance and that if I did not sign and return the enclosed agreement, they may pursue additional legal action against me. They attached a copy of my original judgement. To again set the record straight, I NEVER agreed to pay them in full. If I wanted to pay them in full, I would have done so utilizing the same method of payment Ive used since XXXX. I would NOT need to call them to pay them in full. The point of my call to them was to negotiate, NOT to pay them in full. Again, I am perfectly fine paying them each month as Ive agreed. Midland Credit Management instead tried to manipulate this situation by using MY inquiry to them to get me to verbally agree to paying them the full balance, to which I refuted each time ; reiterating to them that I was not agreeing to pay them in full without a letter from them FIRST, stating they would delete the account. I also never signed any agreement stating that I would pay them in full. ( Please ask them to play the entire recording ). This was a deceptive mean to collect a debt and in my opinion violates the Fair Debt Collection Practices Act1 The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C.
1692 et seq. ), designed to eliminate such practices.
I appreciate your review of this matter.
|
| 05/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XXXX , Midland Funding, a divis ion of Encore, won a court judgement ( XXXX ) against me, XXXX XXXX , by default on a credit card account with XXXX XXXX . I did not find out about the case, nor did I have an opportunity to defend myself. The judgement did follow months of disputing the account and balances - a right afforded me under FCRA. During months of harassment and threats which even included the threat of imprisonment, I disputed the validity of the account, the age of the account, the balances, including computed interest, penalties, late fees and the rate of interest - on numerous occasions with the lender prior to the sale of the account and during pre-judgement collections after the credit card account was purchased by Midland.
In spite of my declarations, and the disregard of my prior requests for proof of the account and documentary support as to the collection account balances, Midland Funding told me by phone that under FDCPA, I alone had the burden of pr oving that I did not owe the debt and the balances, while threatening legal action. They asked me to settle {$8000.00} or risk a lawsuit or imprisonment. Notwiths tanding, Midland ne ver produced me a full account validation or a copy of my signed card agreement. Instead they went ahead and filed a legal claim to the Court of XXXX XXXX , CA. Midland a nd then proceeded to submit to the Court several documents containing false statements, including but not limited to an affidavit falsely stating that they were not aware of any disputes and that I essentially agreed to the account balances simply because I had accepted billing statements and provided no to those statements previously to the lender during the course of having the card. All of which I believe violates my rights and unjustly diminished my rights of defense. Unfortunately, I had defaulted on the court judgement because I did not personally receive the summons and was aware of the date of the hearings. I was also unfamiliar with the rules of the court and had limited due process. Had I been able to attend the court hearings I would have made it clear that Midland never met its obligation to me under FCRA. It is my conclusion as the relevant court documents, that Midland secured a default judgement against me solely by only using an affidavit ( as is the case of thousands of other cases by which Midland s ecured liens through default judgements ) without any original-level account statements, and that the affidavit submitted had false statements. In effect MIdland, as with tens of thousands of other judgments against consumers, submitted a sworn affidavit representing that I did not file a timely written dispute and that my account and the stated amounts w as therefore " valid. '' Further, Midland 's own counsel submitted an affidavit in which he misrepresented that he had perso nal knowledge of facts contained in affidavits, including that he knew for a fact that I owed the claimed debt and that he himself could appear as a witness to attest to those facts - all when neither the lawyer nor Midland could answer my dispute, provide account documentation, attest to my signing the credit agreem ent or truthfully claim that I had agreed ( non-disputed ) to the validity of the debt, amount, rate, etc.. It is my belief that my case falls squarely in the category of the many other cases that were m isappropriated and mishandled by M idland Funding, in the same unjust manner highlighted in the CFPB 's damning findings and its consent decree. I have called Midland Funding and its legal office in XXXX XXXX numerous times, left messages, and have not had any calls from any representative or paralegal from its legal department to address this matter. Earlier today I called the CFPB to see how I can have my case reviewed, and I was told that Midland/Encore was in effect self-policing itself and should have contacted me once my case review showed any violation covered by the consent decree. I have a feeling that my case is not a single discrepancy a nd may end up being part of a pattern of Midland/Encore not fully complying with the terms of the settlement with CFPB on the consent decree. My request which has not been dealt with to date, is that my rights under FCRA be defended and that I have a full and thorough of my account, as to a determination of whether or not the account is invalid and/or has been misrepresented as well as the overall legal basis for Midlan XXXX 's claim, the legitimacy of the affidavits be examined by the XXXX and b y Midland Funding/.Encore - prior to my assuming the expense of an attorney. As o f date, Midland Funding continues to call and has sent over since the default judgement was se cured, numerous legal threats related to this account. I have attached a copy of the summons retrieved from the XXXX County Court s ystem. Amount : {$11.00}, XXXX Debtor : XXXX XXXX Creditor : Midland Funding LLC Date entered : XXXX XXXX XXXX County : XXXX Court : Superior Court of California Case No. : XXXX Recording Date : XXXX XXXX XXXX Recording No : XXXX , of Official Records Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
|
| 04/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
XX/XX/XXXX Approximately one and a half to two months ago, I received an undated notification from XXXX XXXX XXXX , XXXX, stating : Dear XXXX, Congratulations! You have been pre-approved for a discount program designed to resolve your Legal Collections account without any further legal action.
THIS IS A LIMITED TIME OFFER Call ( XXXX ) XXXX, by XX/XX/XXXX, to take advantage of the discounts listed below.
Option 1 : 20 % OFF You Pay Only Payment Due Date : XX/XX/XXXX {$2700.00} Option 2 : 10 % OFF 6 Monthly Payments of Only {$520.00} We want to resolve this debt without any further legal action, please call one of our Account Managers at ( XXXX ) XXXX. Your MCM account number is____________.
When calling us to discuss your account or make a payment, please use the Legal Collections account number ______.
Sincerely, XXXX XXXX, Group Manager. XXXX Yesterday, I received a legal letter, from XXXX XXXX XXXX XXXX, State Bar No. : XXXX, Attorney for XXXX XXXX, XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA. XXXX, TELEPHONE NO : ( XXXX ) XXXX, FAX NO : ( XXXX ) XXXX, dated XX/XX/XXXX, on what appears to be a MEMORANDUM OF COSTS AFTER JUDGMENT, ACKNOWLEDGEMENT OF CREDIT, AND DECLARATION OF ACCRUED INTEREST form from the SUPERIOR COURT OF CALIFORNIA , COUNTY OF XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX including the following : 1. ( Box unchecked. ) Postjudgment Costs : I claim the following costs after judgemnet incurred within the last two years = {$0.00} 2. b. ( Box unchecked. ) Principal remaining due : {$2.00}, XXXX XXXX. ( Box checked. ). Accrued interest remaining due : I declare interest accruing ( at the legal rate ) from the date of entry or renewal and on balances from the date of any partial satisfactions ( or other credits reducing the principal ) remaining due in the amount of {$1100.00}.
4. ( Box checked. ). I am the attorney for the judgment creditor. I have knowledge of the facts concerning the costs claimed above. To the best of my knowledge and belief, the costs claimed are correct, reasonable, and necessary, and have not been satisfied.
I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct.
Date : XX/XX/XXXX ( Box checked. ) XXXX XXXX XXXX XXXX ( SIGNATURE OF DECLARANT ) NOTICE TO THE JUDGMENT DEBTOR If this memorandum of costs is filed at the same time as an application for for a writ of execution, any statutory costs, not exceeding {$100.00} in aggregate and not already allowed by the court, may be included in the writ of execution. The fees sought under this memorandum may be disallowed by the court upon a motion to tax filed by the debtor, notwithsatanding the fees having been included in the writ of execution. ( Code civ. Proc., 685.070 ( c ). ) ( Proof of service on reverse ) Form Adopted for Mandatory Use Code of Civil Procedure Judicial Council of California. 65.040, 685.070, 695.220 MC-012 ( Re. XX/XX/XXXX ). www.court.ca.gov PROOF OF SERVICE ( Box checked. ) Mail 1. At the time of service I was at least 18 years of age and not a party to this legal action.
2. My residence or business address is : ( specify ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA. XXXX 3.
a. ( Box checked. ) Mail. I am a resident of or employed in the county where the mailing occurred.
1.b. ( Box checked. ) placed the envelope for collection and mailing on the date and at the place shown in items below following our ordinary business practices. I am readily familiar with this businesss practices for collecting and processing correspondence for mailing. On the same day that correspondence is placed for collection and mailing, it is deposited in the ordinary course of business with the United States Postal Service ina sealed envelope with postage fully prepaid.
2.a. Name of person served : XXXX b. Address on envelope. _________ c. Date of Mailing ( No date. ) d. Place of Mailing XXXX XXXX, CA I delclare under penalty of perjury under the laws of the State of. Alifornia that the foregoing is true and correct.
Date : ( No date. ) ( TYPE OR PRINT NAME ) No Name typed or printed.
( Signature of DECLARANT ) None.
In the meantime, I have researched my case on the Superior Court of XXXX County website and found a default judgement against me from XXXX XXXX in XXXX. At the time, I was unaware of this case and its court date and am of the opinion that the Statute of Limitations has run out on this debt and this judgement. In my research, I also came across an enforcement action against Encore ( Finance/Financial/Funding??? ) from the Consumer Finance Protection Bureau, staying that Encore= XXXX XXXX , XXXX XXXX XXXX XXXX etc., are to cease and desist from legally going after or contacting potential/ prospective debtors, whose statute of limitations have expired, etc.. If this is true, I would like you to please contact XXXX XXXX XXXX , XXXX and XXXX XXXX, XXXX and ask them to cease and desist from contacting me, in any way, shape, or form and to quit harassing me, with legally deceptive forms of correspondence. Also, please feel free to advise me, if my information about/opinion on this matter is incorrect.
Sincerely, XXXX^
|
| 01/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter in XX/XX/XXXX from the XXXX XXXX XXXX Sheriffs Levy Office regarding a court ruling for a debt that was unfamiliar to me. The Sheriffs office provided me with Midland Fundings contact information but were unable to provide further information on the debt.
I called Midland Funding and was informed that the debt was for a credit card with a {$2800.00} balance and {$1300.00} in interest, totaling {$4200.00}. They informed me that a judge ruled on the credit card debt and they were going to start garnishing my wages. They stated that since the ruling had already taken place and the process to garnish wages had begun that there was little I could do to resolve the matter. I asked Midland Funding why they were just now notifying me regarding this debt and they said that I had been served with a notice to appear. I replied that I never received a notice to appear and requested more information such as date, time, and location where I was supposedly served and they provided an address that was unfamiliar to me. After I informed them that I was not familiar with the address they told me that they didnt actually have to serve me or to provide proof that I was served. ( To which I have since found a lot of contrary information online. ) I informed Midland Funding that I did not believe this credit card debt was my debt and requested documentation to prove that this debt belonged to me.
Shortly after I received notice from my employer that they were contacted by Midland Funding regarding a wage garnishment. I was a 1099 employee at the time and was informed by my employer that they were unable to divert the funds to Midland Funding. I called Midland Funding to inform them that my employer was unable to process the wage garnishment. I again asked for information regarding the debt to prove that the debt belonged to me.
After several requests I had still not received proof that the debt was mine and incorrectly assumed the situation was resolved. In XX/XX/XXXX I began work as a W2 employee in XXXX. On Friday, XX/XX/XXXX at XXXX I received a notification from my bank that my account balances were at XXXX. I logged into my online bank account and saw a hold on my personal and joint checking accounts. I called XXXX XXXX and was transferred to their Hold and Levies Department. XXXX said the only information they could provide was that the account hold was from Midland Funding and provided their contact information and a case number.
I called Midland Funding and spoke with someone in their legal department who identified himself as XXXX XXXX, as best I could hear. He informed me that the levy was placed on my accounts by them for a debt from a XXXX credit card which was ruled upon by a judge in XX/XX/XXXX and that there was nothing I could really do to reclaim those funds. In order to remove the hold he could put the charges on a credit card instead but they do not release funds that they claim via levy. The person that I spoke with was very cold and seemed not to care about my situation at all. He was not able to provide any helpful information such as the amount owed or date of original debt.
I called XXXX XXXX back to verify past accounts on file. They informed me that I had a previous XXXX Financing account for a car loan which was closed with a XXXX balance and in good standing. This account information was correct. They also stated that I had record of a XXXX XXXX Credit Card. I did not request nor authorize this credit card. I requested further information on this account, such as when the account was opened and when the debt originated. They informed me that the department that provided that information was not open until Monday, as it was now XXXX on Friday. I requested previous statements and XXXX stated that they could mail that information to the address on file. I did not however, verify if the address on file was my current address or a previous address held by me or if it was in fact the address used by Midland Funding to serve me notice to appear in court.
I was now certain that this situation was the result of identity theft. In previous interactions with Midland Funding I was not provided information on the credit card debt and was unable to determine that this stemmed from identity theft. The fraudulent account is so old that it does not appear on my credit report, which I reviewed after my first interaction with Midland Funding. In XXXX the statue of limitation for debt is four years. It is unclear why Midland Funding is pursuing this debt from a ruling from XX/XX/XXXX. They also did not provide the proof of debt that I had requested.
Midland Funding does not appear to be helpful in resolving a case of identity theft and is instead mainly interested in claiming funds. I requested that they show proof that the debt they were claiming was mine but they failed to provide that proof. I did not receive any information necessary to research this fraudulent account and attempts to contact them would result in a voicemail or unanswered call. They did not answer the phone until I removed the caller ID information from my calls.
|
| 05/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a complaint to the CFPB regarding the threatening, false, and misleading tactics used by XXXX XXXX and two of their associated companies XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( MCM ) regarding a disputed debt.
On XX/XX/XXXX, I received a response ( attached ) from XXXX XXXX of XXXX XXXX XXXX ( since my complaint was to XXXX XXXX, I assume XXXX XXXX was acting as an agent of XXXX XXXX ).
That response contained false and misleading statements. It is unclear to me why I can not get a straight response from XXXX XXXX ( and associated companies ). I called the CFPB regarding this issue, and the representative I spoke with encouraged me to document this problem by submitting another complaint. The purpose of this complaint ( supported by my original complaint ) is to demonstrate to the CFPB that XXXX XXXX and its associated companies continue to make false and misleading statements, use threatening and deceptive tactics, and recklessly share personal information to coerce payments on disputed debts.
These are the statements that I take issue with in the response from Midland : 1 ) Midland writes, On XX/XX/XXXX, a letter was sent to you advising that XXXX was servicing the account. ACFs business records indicate that after attempts to reach you were unsuccessful, an additional letter was sent to you advising you of potential next steps that could be taken on your account. I received only two letters from XXXX. The initial communication from XXXX dated XX/XX/XXXX ( Letter # 1 - attached ) and one Pre-Legal Notification letter dated XX/XX/XXXX ( Letter # 2 - attached ). In the 8-day time span between Letter # 1 and Letter # 2, I received no phone calls or additional correspondence. There were no attempts plural to reach me before Letter # 2. I also believe that Letter # 2 violates the FDCPA in that it made false and misleading statements and overshadowed my right to request debt validation through the letters timing, typeface, and imposed response deadline of XX/XX/XXXX that was well before the 30-day validation period concluded. Additionally, the letter threatened that if I did not respond before XX/XX/XXXX, the matter would be forwarded to an attorney in my state. The next written communication I received was from MCM. I do not believe MCM is an attorney in my state.
2 ) I previously complained that XXXX XXXX was trying to extract a double payment from me by demanding payment for the alleged debt from two distinct entities XXXX and MCM. In the response from Midland, the letter states, You indicate that when you disputed the debt to XXXX on XX/XX/XXXX, you received a letter from XXXX XXXX instead of XXXX. Please note, your correspondence was received by XXXX, and was subsequently forwarded to XXXX XXXX to respond to your concerns. Additionally, the account was returned from XXXX to XXXX XXXX for continued servicing at that time. While this transfer between the companies was apparently obvious internally, it most certainly was not obvious to me, the recipient of the communication ( there was no mention of any handoff from XXXX to MCM in any communication ). As stated above, the last communication from XXXX indicated that the next communication to me would be from an attorney in my state. I assume this legal threat was a tactic to frighten me into paying them before I had a chance to request debt validation. While I was waiting to hear from the attorney in my state, I instead heard from MCM providing me with a payment coupon for the same alleged debt. As neither company mentioned the other, it would be logical for anyone to assume that XXXX and MCM were distinct companies trying to extract a double payment for the same alleged debt.
3 ) Midland writes, Additionally, in response to your dispute, verification information provided by the seller was also mailed to you on XX/XX/XXXX. A copy of the verification information is once again enclosed for your records. The verification that was included in their response was NOT what was sent to me on XX/XX/XXXX. The original verification information was a single credit card statement ( two-sided ) that I found dubious because it contained many errors and contradicting information. The verification information that was included in the response was 12 months of credit card statements that I have never seen and were never mailed to me. Verification issues aside, Midland is again using misleading statements by stating that the verification information is once again enclosed for your records. If they never sent me this verification information before, how can it be provided to me once again?
4 ) Midland writes, XXXX XXXX business records indicate that it has not furnished any information to the credit reporting agencies regarding the account at this time. Midland did, in fact, report negative credit information in XX/XX/XXXX, two months after this response. While Midland did not explicitly state that they would never report negative credit information, they implied it. Im curious as to what changed between the timing of their CFPB response.
|
| 05/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
Midland f unding bought my husband 's XXXX account, as he was unable to pay and defaulted on or about XX/XX/XXXX . The first notice from Midland dated XX/XX/XXXX in bold states " NOTICE OF NEW OWNERSHIP AND PRE-LEGAL REVIEW ''. In initially reading it we did not recognize it as a debt collector and assumed they had the bought the account from XXXX and did not need to provide any debt collection notice so we could dispute it. The first notice give s two alternatives, 1 ) pay {$750.00} or 2 ) call us. It gives a date of XX/XX/XXXX as the payment date. Th e second letter is dated XX/XX/XXXX , well before the initial due date o f XX/XX/XXXX . It is titled in bold " PRE-LEGAL NOTIFICATION '. This notice does not identify itself as a debt collection company on the front page either. It claims it has made several attempts to contact us, however, we only recieve d one prior notice, described above. We did not remember receiving any calls identifying Midland Credit as the caller nor were any messages left for us to call them. The second letter gives a due d ate of XX/XX/XXXX . I t too gives two options : 1 ) mail in {$750.00} or 2 ) call us ..... The final and thi rd letter is dated XX/XX/XXXX titled " Notice of Legal Placement ''. On the front of this letter it is not identifying itself as a debt collector. The same amount of {$6000.00} dif fers from the other amount of {$6000.00}, however, this is the only amount demanded. There was not any attempt to try to settle for less unlike other debt collectors which we had received correspondence from in the same time frame and which identified themselves as debt collectors and which had the 30 day notice on the front page which led us to believ e Midland was not a de bt collector since it had purchased the debt and on the first contact stated it was already under pre-legal review, leading us to believe it had the same status as the original creditor, XXXX . Mi dland sued my husband in JP court and a hearing was had o n XX/XX/XXXX . The JP ruled for Midland without allowing my husband to raise any defenses in regards to the improper notice, violations of any state or federal laws, or or their failure to post a bond in accordance with the Texas Finance cod e. At the " mock '' trial I was not allowed to present any form of defense on behalf of my husband. It was only in preparation for the hearing that I studied the communications fr om Midland that I discovered the back of the letters contained language identifying Midland as a debt collector and the 30 day notice dispute language. By this time it was too late, and the JP did not allow us to present this as a defense. A judgment was entered against my husband on XX/XX/XXXX . We claim the Midland both in substance and form misrepresented itself as a creditor with the same status as the original creditor rather than a debt collector obliged to provide us with notice to dispute the debt, causing us to disregard the 30 day validation. By the time it was recognized that it was a debt collector in preparing for the " mock trial '' we were not allowed to present any of these defenses and Midland now has a judgment in the same amount as XXXX . We had paid XXXX more {$6300.00} in a 3 1/2 ye ar span with the balance remaining the same due to the high interest rate and late fees. After 12 years of overpaying XXXX we succumbed to the idea that we could no longer financially pay them. With Midland 's Notice of New Ownership and Pre-legal Review, w e assumed they bought that balance from XXXX . We were never provided with any settlement offer less than the debt owed XXXX and assumed they paid as much. XXXX , prior to selling the debt offered to settle for a one time payment of {$1800.00} on XX/XX/XXXX , however we did not have the funds and in good conscious felt we had paid them multiple times over. The Midland letters threatened legal action on all three communications in bold on the front page. The front pages did not adequately apprise us of their status as mere third party debt collectors. We assert that the validation notice as well as the debt communication notice were hidden on the backside without any noticeable reference of such status on the front. Midland used tactics designed to ensure that we as consumers would be deprived of our legal rights to dispute the validity of the debt in 30 days or the right to recieve a verification of the debt had we known we had the rig ht to dispute it on the face of the letters which emphasized " Legal Action ''.
We claim that the methods used in Midland 's sole three letters were not effective in conveying to us our rights. The only message we rationally perceived was that the predominance of the threat of legal action. The communications by Midland were misleading both in the format of the 3 letters and the content. It purposely failed to identify itself as a debt colle ctor on the front page by stating it bought the debt, not merely collecting on behalf of XXXX , and emphasized in large bold print the eminence of of a lawsuit.
|
| 08/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT , INC., are indeed third-party debt collectors under the very definition of a third-party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ) and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid, you would not be sending me a collection letter assuming the debt was valid now, would you? Pursuant to 15 USC 1692c ( C ), MIDLAND CREDIT MANAGEMENT , INC., is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See Ayala v. Dial Adjustment Bureau , Inc., Civil No. N-86-315 ( EEB ) ( D.Conn. Dec. 4, 1986 ) ; Riveria v. MAB Collections , Inc., 682 F. Supp. 174, 175-76 ( W.D.N.Y.1988 MIDLAND CREDIT MANAGEMENT , INC. , gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; MIDLAND CREDIT MANAGEMENT , INC. , have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with UCC 3 302 . See Gearing v. Check Brokerage ; Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX.
MIDLAND CREDIT MANAGEMENT , INC., have committed several federal violations against me, a private law abiding Federally Protected Consumer.
Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.
Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt.
Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) IDENTITY THEFT ; obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.
SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. MIDLAND CREDIT MANAGEMENT , INC., DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General SSA and file a report with the federal authorities. I demand they provide the following documents immediately if they continue to use the fiction name for their entitys personal commercial gain then ; Send a copy of their Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of their bond ; provide name, address, and phone numbers of the owner ( s ) of MIDLAND CREDIT MANAGEMENT , INC. ; Provide name, address and phone number of their insurance company.
Furthermore, reporting false and misleading report to the three major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion. Conduct yourselves accordingly
|
| 08/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT , INC., are indeed third-party debt collectors under the very definition of a third-party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ) and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid, you would not be sending me a collection letter assuming the debt was valid now, would you? Pursuant to 15 USC 1692c ( C ), MIDLAND CREDIT MANAGEMENT , INC., is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} XXXX and I only need to show one violation to establish a FDCPA claim. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Civil No. XXXX ( XXXX ) ( XXXX. XXXX XXXX, XXXX ) ; XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX MIDLAND CREDIT MANAGEMENT , INC. , gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; MIDLAND CREDIT MANAGEMENT , INC. , have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with UCC 3 302 . See Gearing v. Check Brokerage ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT , INC., have committed several federal violations against me, a private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) IDENTITY THEFT ; obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy. SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. MIDLAND CREDIT MANAGEMENT , INC., DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General SSA and file a report with the federal authorities. I demand they provide the following documents immediately if they continue to use the fiction name for their entitys personal commercial gain then ; Send a copy of their Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of their bond ; provide name, address, and phone numbers of the owner ( s ) of MIDLAND CREDIT MANAGEMENT , INC. ; Provide name, address and phone number of their insurance company. Furthermore, reporting false and misleading report to the three major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion. Conduct yourselves accordingly
|
| 11/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Unresolved complaint filed XX/XX/XXXX with CFPB Case # XXXX. Received reply and release from liability of debt from MCM on XX/XX/XXXX through portal, thank you! However it was n't until today when I received the letter in the mail from MCM that I realized the reply from MCM and release from debt was on a different account than the XX/XX/XXXX complaint was filed against Account # XXXX and/or XXXX. That being said the initial complaint has not been resolved, nor was the follow up XX/XX/XXXX complaint been resolved XXXX. The company keeps responding to the same incorrect account and not the one in question??? I would like to re-open the complaint for a third and hopefully final time.
" This previous XXXX XXXX debt was initially sold in XX/XX/XXXX, over 6-year later MCM contacted me regarding this debt. I understand the statute of limitations in California to be 4-years from date sold from initial source in CA, is this correct? If so, I believe the 6-year delay is well past the CA statute of limitations. Records sent to me by MCM indicate they bought this debt XX/XX/XXXX and on or about XX/XX/XXXX was the first date MCM contacted me regarding this debt, some 4-years and 11 days after they purchased the account. -XXXX XXXX XX/XX/XXXX Complaint- " On or About XX/XX/XXXX I received a phone call from a representative of MCM who stated I have a Past Due account ready to be forward to their Legal Department to seek action and a Court Judgement for non-payment on a debt from XX/XX/XXXX. She asked for the Full Amount, which I dont recall the amount, to be paid. Note : On or about XX/XX/XXXX I suffered severe physical side effects and XXXX XXXX due to my second XXXX just days before the MCM collection agent call. ( Documented by XXXX XXXX XXXX XXXX, CA ). I was home recovering when I received the XX/XX/XXXX phone call from MCM. I was very confused and had difficulty speaking since my XXXX, I advised the caller I did not understand how I could have a debt from XX/XX/XXXX and not be notified or have made payment arrangements previously. When I asked why I had no knowledge of this debt, the female I spoke with said, we havent gotten around to it, or something like that. She did inform me if there wasnt a settlement for a slightly lesser than the full amount due or payment arrangements made today, they would forward my account to Legal today, they would notify credit bureau of the unpaid debt and I would not be able to make any payment arrangements or something like that. I became more confused and began to cry as I did not understand I had any debt and felt threatened that I had to pay in full or make payment arrangements today, even though I did not understand or comprehend the XX/XX/XXXX debt now being sought today. Note : My Caregiver or Husband were not here at the time of the call to assist with any decisions. I informed the MCM representative I could not pay the debt in full or the reduced amount she mentioned in full on that day. I also informed her of my recent XXXX just a week ago and that I did not understand the debt. She again repeated the file would be forwarded to Legal if not resolved today. In order to prevent the Legal Action and a court judgement mentioned by the MCM representative, she asked me for large payments over {$300.00} a month with a larger payment now. I told her I do not have that kind of money, as I have a fixed income since my strokes. I felt pressured to make payment arrangements of {$100.00} a month that day using my Debit Card, as I feared Legal Action and was too confused and pressured to fully comprehend the phone call. Additional future {$100.00} payments were scheduled for the 20th of each month to be deducted from my Debit Card. On or about XX/XX/XXXX I suffered a third XXXX making me more immobile, confused with even more memory loss, ( documented with XXXX XXXX XXXX XXXX, CA ). Sometime in XX/XX/XXXX I received information from MCM regarding the account overview which I had requested during the XX/XX/XXXX phone call. I do not recall seeing the envelope, or opening it, but it was later found in XX/XX/XXXX while my husband was reviewing information for taxes, he came across the MCM {$100.00} Debit Charges on our " Bank Statements '' and asked me about them. I informed him I was making payments on an old account from a long time ago that I was called about earlier in the year. He then asked me for more information, which I did not have or could not remember and became extremely upset and cried. XX/XX/XXXX my husband found the paperwork MCM had sent in previously that I had mis-placed in a stack of medical bills. After he reviewed the paperwork my husband informed me there may be an issue with this XX/XX/XXXX debt and MCM collecting payment in XX/XX/XXXX, six-yers later? He believes the CA Statute of Limitations regarding Debt Collection may have expired prior to MCM demanding payment. Can you please review the paperwork and provide follow up information? Any assistance with this matter would be greatly appreciated. ''
|
| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
RE : CFPB XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX First, update your records to reflect that I have not retained council yet. I will retain an attorney when deemed necessary. I am stacking evidence at this point, and both XXXX and MCM have provided a lot XXXX
Second, evidence supporting the fact that XXXXXXXX XXXX did not investigate the above referenced account can be found in Consumer Financial Protection Bureau ( CFPB ) complaint ID XXXX. The attached document is titled XXXX - XXXX XXXX XXXX. In it, XXXX claims res ipsa loquitur by stating, we are unable to resolve the charge ( s ) in dispute from XXXX XXXX because you provided your information to the merchant. Affirming the seller was paid is by no means an investigation. In fact, it is gross negligence that oversimplifies and ignores the fact that the seller lied about their location and that the mask sold is not N95 compliant as advertised. The mask came from XXXX XXXX, and its vented, so I cant even be worn on an airplane ; never mind, being N95 compliant. Pictures of the mask can be seen in CFPB complaint ID XXXX. The images are titled XXXX XXXX & XXXX XXXX.
Evidence showing the sellers website was taken down for fraud was presented in CFPB in complaint ID XXXX. The attached document is titled XXXX XXXX search results XXXX XXXX Whats more, complaints reflecting my own in regards to XXXX were presented in CFPB complaint ID XXXX as well. The sites presented were as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX /XXXX 3. XXXX XXXX XXXX Third, define seller. Because the seller Im referring to is the scam artist responsible for the underlying charge, addicttee.com, not the scam artists at XXXXXXXX XXXX XXXX XXXX is the group of scam artists that sold MCM this fraudulent account after running up all the fraudulent interest on the underlying fraudulent charge from XXXX. And, once again, just to be clear, there were no findings. Claiming res ipsa loquitur while only confirming information supporting your bias is by no means an investigation. Its, at best, willful ignorance, and in the real world we call it fraud. So, if MCM purchased this fraudulent account from the seller, XXXX, with all its rights, it logically follows that MCM purchased this fraudulent account with all its liabilities as well. So, all the fraudulent interest accrued on this fraudulent account by the intermediate scam artists at XXXX is thereby unlawful as well.
Whats more, I contacted XXXX via both email and telephone prior to filing the claim with XXXX XXXX, but the sellers email was shutdown when the website was shutdown, and I was only able to speak to the XXXX staff once via the telephone number provided. They told me to return the mask to XXXX, so I told them to provide a call tag. But they refused and hung-up, and I havent been able to reach them since. This was all presented in CFPB complaint ID XXXX as well via an attachment titled XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I submitted hardcopies of my email correspondence with XXXX to XXXX as well prior to XXXX opening the XXXX XXXX XXXX portal. You should have received the hardcopies with my file when you bought this junk account from XXXX. But, let me guess, they were conveniently never sent. Imagine that.
Forth, stop sidestepping the issue. There is no police report. The seller is in XXXX. The only logical recourse was, one, to request a refund from the XXXX. Or, two, have XXXX withhold funds until a call tag was provided. But XXXX refused to withhold the funds, so they could charge interest on the fraudulent charge ; in an effort to, generate a profit before writing the account off on their taxes as a loss. They then sold the account to MCM for even more than what the original underlying charge is.
So, once again, just to be clear, addicttee.com was taken down for multiple reported cases of fraud, including, my own. XXXX committed multiple acts of fraud by ignoring all the evidence and reinstating the fraudulent charge from XXXX so XXXX could fraudulently charge interest on this account before fraudulently writing it off on their taxes then fraudulently selling it to MCM at a profit. And, MCM is committing fraud by ignoring all the evidence presented while furthering the scam for the same reason, fraud for profit at my expense.
Fifth, the account still reads as being Charged Off with the fraudulent amount of {$430.00}. Ive attached copies of my and XXXX, XXXX, and XXXX reports to prove this. These reports need to be remedied immediately because they do not reflect reality and it is negatively affecting my credit. Whats more, the account was reported as being 30, 90, etc. days late as well, and my credit score has not recovered since those fraudulent reports, despite it being the only ding on my credit since then. This needs to be remedied immediately as well.
In closing, quash this fraudulent account, make the required amendments to credit reporting agencies, and report XXXX to the FTC for their fraudulent behavior. Ive had enough.
|
| 02/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted XXXXXXXX XXXX through XXXX. The first time I spoke with the customer care team was on XX/XX/XXXX I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed 2 separate disputes after several hours on the phone and continued to tell me that the XXXX Store must have input the purchase wrong and there was nothing XXXXXXXX XXXX would be able to do. I have gone back and forth between XXXXXXXX XXXX and the XXXX Store. The XXXX Store has been more than helpful, in fact the last time I called the store manager was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to XXXXXXXX XXXX, the bank is still refusing to update the account with the transaction at the store. XXXXXXXX XXXX is trying to say that I owe them over a XXXX dollars. I did file a motion with the State of Ohio and they directed me to the Consumer Financial Protection Bureau to file a complaint.
On XX/XX/XXXX my fiance and I purchased a wedding ring and engagement set from XXXX and used the store credit card through XXXXXXXX XXXX to charge {$2200.00} for 36 months of 14.99 % interest as stated in the details of my plan. However, they have been charging me at 29.99 % interest since an unknown date after the first payment of {$120.00} was made. I have paid well over the remaining balance and called to file disputes 7 times. XXXX originally told me to reach out to XXXX because the store is the one who input something incorrectly, and they could resolve the error. XXXX went through the process with me and charged me for the remaining balance, and sent this information to XXXX. XXXX supervisors & managers as well as the store indicated that my purchase was eligible for the 36 months for 14.99 % as stated in the " details of my plan ''. Several of them indicated they had seen this happen to other consumers. XXXX laughed at me when I stated that the account had been charged at 29.99 % and I had never seen the statements due to the purchase being an engagement ring and my fiance being in charge of all financial accounts for our household. Once I took over the finances, I began reaching out to XXXXXXXX XXXX, who continued to place the burden on the XXXX store. I bounced back and forth between XXXX and XXXX during the disputes. XXXX store manager indicated that they never actually received any disputes or requests from XXXX. The XXXX store manager, XXXX and her corporate leaders, did an amazing job working on this and providing a resolution. Even after XXXX reprocessed the transaction and charged me the remaining balance to be paid in full, and sent this information to XXXX, they are unwilling to update the account. XXXX only processed {$130.00} of that transaction sent from XXXX on XX/XX/XXXX. XXXX is still demanding over {$1200.00}. XXXX stated to the XXXX that my account was reviewed and no adjustments were needed.
I finally found the location of the most recent response that XXXXXXXX XXXX had sent to Consumer Financial Protection Bureau. In their response, they indicated that, " Weve reviewed the XX/XX/XXXX, return of {$130.00}. XXXX advised that in the return, {$2000.00} was returned as a cash refund and {$130.00} was returned to your XXXX The XXXX XXXX XXXX XXXX Credit Card. '' None of which was an accurate description of what happened. XXXX was attempting to resolve the issue that one of the employees who processed a return of wedding band as well as the previous engagement ring that I upgraded. XXXX did not apply the amounts of " cash '' to my credit account as they were asked to do. They are claiming that the money was returned to me and it was not. XXXX has since sold the inacurate debt to Midland Credit, who is now still trying to collect {$1700.00}. None of which was legally charged to my account according to my original purchase agreement. XXXX is alleging that I owe fees of {$360.00} and interest of {$450.00} total charged in XXXX ; in addition to the inaccurate total fees of {$140.00} and interest of {$550.00} in XXXX. Which is almost exactly what they are accusing me of owing, all accrued at the interest rate of XXXX percent, that was not the 0 % for a year and 14 % thereafter.
|
| 02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have commited the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A de
bt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.
15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.
15 U.S. Code? 1692f-Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. You used symbols on envelopes which violated the law.
15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.
Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient t validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you already committed.
Sincerely, XXXX XXXX
|
| 05/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After reviewing your mail dated. XX/XX/XXXX, I noticed so many misleading and deceptive facts. It now too late for you to correct your record as you have already violated Federal Laws on reporting. It has also becomes apparent your tactics has fallen into the class of Fraud.
Here is your claim, MCM is servicing a debt from XXXX XXXX which XXXX XXXX bought from a company that has my name on it. Reliability and accountability in your view does not matter. And as such I should come and pay MCM. No accounting, or validation was provided and you reported it on my credit report which has cost me high interest, denial of credit, resulting in hardship for my family and I.
I reported the act of your staff which you quickly dismiss as no fault. Your staff clearly told me they do not have to abide by Federal laws in collecting debts that as long as a name matches, it doesnt matter about accounting.
Your company has clearly violated the 30 days reporting as permitted by Federal law and you must be held accountable for it. I asked you to provide evidence of any phone call, which you have failed to provide. You know there was no phone call made because all communication is in writing and I was very clear about it. There is no hearsay without evidence. The deceptive tactics need to be proven in court.
First, you never answered many key question in my response to your mail on ( case no. XXXX ).
Questions like you alleged to have bought a bad debt. So how is anyone responsible for it? How are you injured? You can not afford to go buy debt on pennies on the dollars and expect to get paid in dollars. I think your outrageous unethical tactics will probably cost your company millions of dollars as I am happy to sue you for the unethical and unprofessional practice.
Again, MCM sent me a letter with deceptive words that has this You have indicated that the following items pertain to your account, in order for us to further investigate your inquiry please provide the following documentation.
The above words on your letter to my request for validation violate Federal laws on validating a debt. I asked you to show me your right of Subrogation which you have equally failed to provide.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately or whether is mine.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they veri fied without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. In my previous letter, I requested for a settlement of {$2000.00} and gave you up to XX/XX/XXXX to settle with me by compensating me with such amount for violating federal laws. Since the time frame has passed, I can only accept {$2500.00} as settlement. You have up to XX/XX/XXXX to compensate me. I will also want you to provide me your registered contact to send in my law suit as I may decide to sue for a higher amount because of your willful non-compliance and deceptive tactics.
Please furnish me your registered contact for a law suit and the registered person. Right now you have to delete my account from your record and remove it from all Credit Bureau as you are currently operating illegally. You have 5 days to delete all records. Failure on your part not to comply will be documented.
If you wish to settle and prevent a higher amount for violating my consumer right. I may be able to listen, but please be aware that on a final note. I can only agree and accept a {$2500.00} settlement from you. Please make check payable to XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX.
|
| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Midland Credit Management and I responded to the letter via chat and their online dispute portal. I had to respond by XX/XX/XXXX, which I did. I requested several pieces of documentation to help me fully verify the alleged debt and help me determine their authority to collect on said alleged debt. I sent them the following online request on their dispute portal : I am requesting : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation.
XXXX XXXX I only received partial information back by mail. I would like to receive full the verification as requested for the two alleged accounts. Currently, the accounts are not on my credit report. I am requesting to receive the requested information so that I can make the most informed decision or Midland Credit Management needs to delete this account from their records. I feel the information I am asking is valid and acceptable under the FDCPA and I feel what I was sent they are denying me or proving they do not have the authority to collect on this alleged debt.
I attached a copy of what I actually received.
|
| 06/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland credit management. These people are funny. I asked for confirmation of debt. Let me refresh your memory. A confirmation of debt is wet signatures. This is the only form. A bill or statement is not a confirmation of debt. I must not speak the English language well. If I got this correctly the original credit I supposed took this debt and wrote it off and then you bought the debt. This is double payments. Sounds like fraud to me.
I, XXXX, XXXX agent to said principle XXXX XXXX XXXX hereby accept all titles, rights and interests owed to principal XXXXXXXX XXXX XXXXXXXX XXXX I hereby instruct ceo of this account to apply the principle balance to said account of full amount each month. If these instructions can not be honored please respond thorough the mail giveing details. Of non-acceptance if you do not send anything it stands that you have accepted my offer and moving forward als.
By : XXXX, XXXXagent Without recourse ucc1-308 Midland credit management I, XXXX XXXX XXXX , authorized Representative, am sending the coupon of the account summary to full amount as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent these coupons and ask me to remit them with another check or money order or check and then you redeemed both. That is double dipping of course and is illegal.
I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment coupon to be accepted as the payment. Per Ucc 3-603 ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge extent of the amount of the tender, of the obligation to which the tender relates.
If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt.
Here are some definitions to clarify what I am talking about just to refresh State statues and codes if you need a refresher.
Instrument : A written legal document such as a contract, lease, deed, will or bond. These instruments are worth their face value so the amount to be discharged will be the amount I have written on the volucher. If you refuse to accept a negotiable instrument I will send the Irs a 3949A and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingamounts listed on my fee schedule.
Volcher : a small printed piece of paper that entitles the holder to a discount, or what may be exchanged for goods and services.
Sincerely and without Ill will, : XXXX XXXX XXXX, beneficiary and authorized representative without recourse All rights reset without prejudice Part of my evidence of banking fraud.
XXXX XXXX XXXX XXXX XXXX 1969 XXXX XXXX Decision In 1969 XXXX XXXX was challenging the foreclosure of his house by the bank which provided the loan to purchase it. He argued the bank had to put up a legitimate form of property for the exchange. In legal terms this is called consideration. XXXX XXXX explained the money was not the property of the bank because it was created out of nothing as soon as the loan agreement was signed. A book called money modern mechanics from federal reserve states banks can not loan money. Banks take promises we to pay and exchange them for credits basic book keeping .Reserves are unchanged by the loans transaction, but deposit credits produce new editions to the total deposits to the banking system. The money does not come out of their existing assets the bank is inventing the money out of thin air and putting nothing up of value. The banks president XXXX XXXX admitted under oath that the bank created the money with bookkeeping entries with the federal reserve bank. The money came in effect when the bank created it. XXXX XXXX admitted that there was no statue or code that gave him permission or authorization to do so. A lawful consideration must exist and be tendered to support the note. The jury found out there was no lawful consideration at all. XXXX XXXX kept his house for free. Everytime you borrow money from a bank morgage, credit card etc. the money is not only illegal and counterfeit it is not a form of consideration and voids the contract to pay because the bank never had the money as property. The judge was found poisoned. This whole case seems like fraud to me.
United States constitution Article one section 10 clause one states : No state shall enter into any treaty, XXXX, or confederation, grant letters of marque, emit bills of credits, make anything but hold and silver coins a tender of payment of debts, pass any bill of attainder, e post facto, or law impairing the obligation of contracts, or grant any title of nobility.
There was no contract between me or any bank.
|
| 10/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Unresolved complaint filed XX/XX/XXXX with CFPB Case # XXXX. Received reply and release from liability of debt from MCM on XX/XX/XXXX thriough portal, thank you! However it was n't until today when I received the letter in the mail from MCM that I realized the reply from MCM and release from debt was on a differant account ( # XXXX ) than the XX/XX/XXXX complaint was filed against XXXX and/or XXXX. That being said the initial complaint has not been resolved and I would like to re-open the complaint.
This previous XXXX XXXX debt was initially sold in XX/XX/XXXX, over 6-year later MCM contacted me regarding this debt.
I understand the statute of limitations in California to be 4-years from date sold from initial source in CA, is this correct? If so, I believe the 6-year delay is well past the CA statute of limitations. Records sent to me by MCM indicate they bought this debt XX/XX/XXXX and on or about XX/XX/XXXX was the first date MCM contacted me regarding this debt, some 4-years and 11 days after they purchased the account.
XXXX XXXX XX/XX/XXXX Complaint- " On or About XX/XX/XXXX I received a phone call from a representative of MCM who stated I have a Past Due account ready to be forward to their Legal Department to seek action and a Court Judgement for non-payment on a debt from XX/XX/XXXX. She asked for the Full Amount, which I dont recall the amount, to be paid. Note : On or about XX/XX/XXXX I suffered severe physical side effects and memory loss due to my second XXXX just days before the MCM collection agent call. ( Documented by XXXX XXXX XXXX XXXX, CA ). I was home recovering when I received the XX/XX/XXXX phone call from MCM. I was very confused and had difficulty speaking since my XXXX, I advised the caller I did not understand how I could have a debt fromXX/XX/2010 and not be notified or have made payment arrangements previously. When I asked why I had no knowledge of this debt, the female I spoke with said, we havent gotten around to it, or something like that. She did inform me if there wasnt a settlement for a slightly lesser than the full amount due or payment arrangements made today, they would forward my account to XXXX today, they would notify credit bureau of the unpaid debt and I would not be able to make any payment arrangements or something like that. I became more confused and began to cry as I did not understand I had any debt and felt threatened that I had to pay in full or make payment arrangements today, even though I did not understand or comprehend the XX/XX/XXXX debt now being sought today. Note : XXXX XXXX or XXXX were not here at the time of the call to assist with any decisions.
I informed the MCM representative I could not pay the debt in full or the reduced amount she mentioned in full on that day. I also informed her of my recent XXXX just a week ago and that I did not understand the debt. She again repeated the file would be forwarded to Legal if not resolved today. In order to prevent the Legal Action and a court judgement mentioned by the MCM representative, she asked me for large payments over {$300.00} a month with a larger payment now. I told her I do not have that kind of money, as I have a fixed income since XXXX XXXX. I felt pressured to make payment arrangements of {$100.00} a month that day using my Debit Card, as I feared Legal Action and was too confused and pressured to fully comprehend the phone call. Additional future {$100.00} payments were scheduled for the XX/XX/XXXX of each month to be deducted from my Debit Card.
On or about XX/XX/XXXX I suffered a third XXXX making me more immobile, confused with even more memory loss, ( documented with XXXX XXXX XXXX XXXX, CA ). Sometime in XX/XX/XXXX I received information from MCM regarding the account overview which I had requested during the XX/XX/XXXX phone call. I do not recall seeing the envelope, or opening it, but it was later found inXX/XX/XXXX while my husband was reviewing information for taxes, he came across the MCM {$100.00} Debit Charges on our " Bank Statements '' and asked me about them. I informed him I was making payments on an old account from a long time ago that I was called about earlier in the year. He then asked me for more information, which I did not have or could not remember and became extremely upset and cried.
XX/XX/XXXX my husband found the paperwork MCM had sent in previously that I had mis-placed in a stack of medical bills. After he reviewed the paperwork my husband informed me there may be an issue with this XX/XX/XXXX debt and MCM collecting payment in XX/XX/XXXX, six-yers later? He believes the CA Statute of Limitations regarding Debt Collection may have expired prior to MCM demanding payment. Can you please review the paperwork and provide follow up information? Any assistance with this matter would be greatly appreciated. ''
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX, XXXX XXXX, MIDLAND CREDIT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has provided false information to XXXX, XXXX, & XXXX
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MIDLAND FUNDING contacted me by phone attempting to collect a debt I never agreed or contracted to pay. The calls were harassing aggressive and very threatening. I explained to them then that this debt is clearly a mistake and doesn't belong to me because I was unaware of owing any debt. I have never agreed or contracted to pay on this debt. They explained to me they purchased this debt from XXXX XXXX and they now were owned the debt, they stated I know longer had to pay XXXX XXXX I had to pay them. I then asked how is that possible if I never agreed to contracted to pay them anything or contracted to pay XXXX XXXX anything. They then stated, they would continue to call me everyday about this debt and they would eventually get what was owed to them. After non stop harassing calls I sent in a debt validation letter and didn't receive a response.I have attached a copy of the debt validation letter I sent to this company in the image attachment section below. After months of no response I sent in another debt validation letter and still have yet to receive a response. They started to report negative defaming, and inaccurate information on my credit report.Upon checking this account I noticed MIDLAND FUNDING reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. I tried to handle this with the CRA 's, however they failed to investigate this matter thoroughly.I was promised an investigation but one was never done, then I was told they would forward my investigation to their dispute channel. I knew then the CRA would not help remove this inaccurate Information from my consumers report. Which has now prompted me to submit this complaint. Since MIDLAND FUNDING has never supplied me with sufficient information in order to validate this debt when I requested it, I know this debt is a mistake. I don't not feel like my account was handled with accuracy and/or integrity as 12 CFR 1022.41states it should be. Therefore, with respect, I am challenging the accuracy and integrity of this information.
12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Due to the number of inaccuracies within this account which I have highlighted in the two images below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. As you can see for account # XXXX There are innacurate reporting dates, inaccurate dates shown open, inaccurate last reporting dates, inaccurate last active and the inaccurate last payments made on this account. There is no way 12 CFR 1022.41 was upheld before furnishing this Information to the CRA 's and as a consumer I am suffering tremendously. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad XXXX. I cant sleep and sometimes XXXX cant eat. I have been denied housing, employment, and jobs solely based on the inaccurate reporting on this account to the main credit reporting agencies. I have lost sleep behind this, I have lost money, and almost became homeless because this account was not handled with accuracy or integrity as 12 CFR 1022.41 states they should be. No one should be threatened as I was, No one should suffer like that as I have, and furnishing companies should be upholding 12 CFR 1022.41 at all times since consumers suffer when they don't.
account # XXXX
|
| 03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These companies are in violation of federal law 15 USC 1681b ( 2 ) Permissible purposes. the law clearly states that credit reporting agencies can report only with " The written instructions of the consumer to who it relates. I am a federally protected consumer and i never gave any of the three companies XXXX, XXXX, and XXXX any written consent to furnish my credit report to anyone. Since XX/XX/XXXX I have sent out multiple letters to the credit reporting agencies to remove these items from my credit report and i have yet to get a response. The following items must be removed from my credit report This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection Midland Credit Mangement has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.
I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.
Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect.
This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) Terrorism offense.
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
The company has violated the following laws 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, I became aware of my involvement in a small claims civil lawsuit. The plaintiff, Midland Credit Management , Inc., has filed a claim against me with the Clerk of the Superior & Magistrate courts in XXXX XXXX, alleging a breach of contract with an unknown creditor ( XXXX XXXX XXXX ) in the amount of {$680.00}. From what I have been able to gather online via a public court record search, this claim was initially filed against me on XX/XX/XXXX. Unbeknownst to me, it appears there was a hearing that I missed sometime between XXXX and present day. Unfortunately, I was not only unaware of this issue but I was also not notified of this lawsuit until earlier this week ( XX/XX/XXXX ). I received my first notice that was forwarded to me on Tuesday via USPS though the envelope is dated for XX/XX/XXXX. This is the only notice that I have received and an online search shows that I am due to appear in court on Monday, XX/XX/XXXX before judgement is made for the plaintiff.
Though the events leading up to this lawsuit are unclear, I originally noticed Midland Credit Management Inc. on my credit file in XXXX while undergoing a bureau refresher that I conduct every other year. On 3 separate occasions my accountant and I drafted debt validation letters and presented them to this company ( XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ). I also made numerous attempts to contact Midland Credit Management at ( XXXX ) XXXX as this was the only number listed on my credit file. On each occurrence I explained to customer service agents that I have no knowledge of this company or XXXX XXXX XXXX. Due to this company being unable to produce a contractual agreement, an audit trail, my signature, any information about me or when this account was truly established, we were able to successfully have this creditor removed from my file after several rounds of credit disputes.
In bringing the timeline to present day, Midland Credit Management Inc. has once again applied this debt to my credit file which I confirmed on XX/XX/XXXX. Despite my efforts to resolve the matter on numerous occasions and through multiple streams of communication since XXXX, the plaintiff has chosen to pursue legal action. Once I received a notice earlier this week to appear in court I immediately began working to try and resolve this matter as quickly as possible. For almost 2 years I was under the impression that this issue was behind me. I swiftly moved into action and contacted my attorney as well as XXXX XXXX XXXX at their listed phone number ( XXXX ) XXXX. After providing personal identifying information, XXXX XXXX XXXX advised me that they were unaware of any account associated with my name and were unable to assist. I was even offered the option to apply for one of their credit card accounts if I were interested.
Unfortunately, I do not have much information to offer up in my defense as I do not know much of anything about either of these companies. I now know that XXXX XXXX offers credit cards and other accounts for customers with subpar credit, however, I have never had a need to use them. I do however have credit card accounts with my credit union ( XXXX XXXX ) and XXXX XXXX. At the moment I only have all supporting documentation of debt validation letters sent via certified mail and documents showing the numerous credit disputes from my credit analyst who previously worked on my bi-annual refresher in XXXX. As you can imagine, this is concerning for me in more ways than one. I am not sure if this is an identity theft issue or something else. In looking at my latest report there are no other anomalies that would support identity theft as I would imagine if someone had stolen my identity I would have more than just this one creditor. I am a bit distressed at the thought of now having to face this challenging situation once more but also with having to defend myself so abruptly in this civil lawsuit.
Upon researching Midland Credit Management they have an extensive history of unethical business practices and history of bullying/suing individuals for balances that are not their own. This company has been unable to provide any tangible proof of ownership of this account, however, continues to attempt to collect an unknown debt belonging to an unknown individual. I do not own this debt and have provided Midland credit with sufficient evidence of such.
I am now filing a formal complaint not only due to this company somehow applying the debt to my credit file once more but also because it appears they operate their business on the cusp of being outside of the law. Their business practices are truly unethical and they prey on innocent people in hopes to resolve debts that they can not justify.
|
| 01/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Provide proof of what the money you say I owe to you is for Explain in how you calculated what you said I owe Provide me with any copies papers where it said that I signed and agree to pay what you say I owe Provide the statute of limitation has not expired on this account Provide license that you have the right to collect in the State of Connecticut and Florida Please provide a complete history and explanation of what is said I owe Provide bill with my signature I agree and owe this debt to your company You are in violation of section 604 I will report this to the Federal Fair Credit Reporting Agency if my adverse mark is not deleted or validation showed ; ( B ) Application by mail, telephone, computer, or other similar means. ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and 3 The references in Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), not ( c ) ( 3 ) that no longer exists as the result of Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ). 604 - 15 U.S.C. 1681b 15 ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 609 ( c ) ( 3 ) .3 ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has be I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification Please know that I fulling intend to report any violations that contribute to the defamation of my character to the FAIR CREDIT REPORTING ACT AGENCY and follow up with Legal Advice if this account is not fully validated with all requested above.
Thank You, XXXX XXXX
|
| 08/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Encore Capital/Midland Funding , LLC acquired a closed credit card account, that was closed because of cyber hacking fraudulent charge activity from XXXX. This fraudulent activity was investigated by XXXX XXXX fraud investigators, and I was told by XXXX XXXX, I was not responsible for fraudulent charges, which were in the amount of {$2800.00}.
Recently I filed two complaints with CFPB in relation to this matter, as well as filing a related complaint in XXXX, complaint # 's ( XXXX, XXXX, XXXX ).
In XXXX Encore Capital/Midland Funding , LLC agreed to a settlement with the CFPB in reference to it's unprofessional, and unethical tactics for collecting acquired bad debt accounts. The tactics mentioned in the lawsuit are exactly the tactics Midland Funding, LLC, and their legal Agent XXXX XXXX XXXX, XXXX used with XXXX staff attorney XXXX XXXX XXXX, in obtaining a summary judgment through a non jurisdiction ward level Louisiana court, which I was not served, and had no knowledge of summary judgment until after issued by XXXX XXXX court judge. The proper court jurisdiction would have been XXXX Judicial district court, with proper service provided to respond. Notice to appear in XXXX XXXX court was actually served to a apartment address my brother no longer lived at when served, and was handed to a juvenile for service.
As stated, I did not appear, because I was not served, and learned of summary judgment after the fact, on a XXXX XXXX credit card closed by XXXX fraud division, for cyber hacking. This account should have never been bundled and sold as junk debt with other accounts.
Since obtaining their summary judgment, Encore Capital/Midland Funding , LLC, via their legal representation XXXX XXXX XXXX XXXX XXXX, has used very unethical tactics, even tactics violating Federal Trade Commission guidelines for debt collection, after being advised by me, that I did not owe the debt, that the account records they said XXXX XXXX included in the junk debt purchase were inaccurate, and in writing sent Encore Capital/Midland Funding , LLC a cease and desist communications concerning collection of this debt I did not owe per Federal Trade commission rules.
In the mentioned CFPB complaint filings the one with XXXX XXXX, their response was " account was sold to Midland Funding, LLC in XXXX, and they no longer had information concerning account in their files ''. This means XXXX XXXX no longer has the fraudulent charges activity investigation they used to close the credit card account, and the basis of telling me I did not owe for fraudulent activity.
Midland Funding, LLC through their legal representation XXXX XXXX XXXX, XXXX after being told to cease and desist communication with me, as well as stop communication with my employer over collection, has used various unethical methods to track my employment via XXXX credit report, as well as XXXX XXXX XXXX XXXX file. I believe they have also used XXXX location app software to track my daily driving activity, which would show my work location. I have since blocked my XXXX files from disclosure, and shut off all XXXX location tracking information.
Midland Funding, LLC via their legal representation XXXX XXXX XXXX has interfered with at least 3 jobs, by taking their I'll obtained XXXX XXXX court summary judgment, and going to Louisiana XXXX and XXXX judicial district courts and obtaining a Garnishment order. These Garnishment orders are presented in a fashion that it appears the summary judgment came from the District court, and not the XXXX XXXX court. XXXX XXXX XXXX XXXX XXXX, and their staff attorney XXXX XXXX XXXX presented these Garnishment notices to my employer, which caused my termination from these employers, because I was still under new hire 90 day probation when H.R. was served with these Garnishment notices.
In XXXX Encore Capital/Midland Funding , LLC agreed to stop collection efforts and using unethical tactics in collecting these third party junk debt accounts. A agreement, that Encore Capital/Midland Funding , LLC did not live up to, so the CFPB had to file another lawsuit against Encore Capital/Midland Funding , LLC in XX/XX/XXXX for violating the terms of the XXXX consent order, which was settled in XX/XX/XXXX last year. This final judgment requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty.
What I want, is for the CFPB to advise Midland Funding, LLC to leave me alone, quit stalking my employment, and leave me alone. Everything mentioned in the CFPB lawsuit against Encore Capital/Midland Funding , LLC are unethical tactics used against me. I refuse to pay a Debt I don't owe.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt.XXXXXXXX XXXX XXXX, XXXX XXXX XXXX & Midland FundingS is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX XXXX XXXX, XXXX XXXX XXXX & Midland Funding has provided false information to XXXX, XXXX, & XXXX
|
| 08/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You MIDLAND CREDIT MANAGEMENT You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST MIDLAND CREDIT MANAGEMENT 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and desist all collection activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous, and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION Duty : a moral or legal obligation ; a responsibility 15 USC 1681 s-2 Says you MIDLAND CREDIT MANAGEMENT, are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if 60 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
ACCOUNT # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
|
| 10/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was sued by XXXX XXXX back in XXXX and I only had four days to prepare. I was fine with that because I believed that I had prepared myself enough to beat the Judgement. I appeared in court and saw that there were quite a few people also being sued by this company. They had hired a lawyer from a law firm called XXXX XXXX XXXX from XXXX Tennessee. To my surprise this lawyer never presented any documents in court showing proof of the debts to the clients representing themselves or to the Judge and he was collecting funds from his XXXX XXXX. My turn came around and I felt I was asking the Lawyer for the correct items like proof of my bill, I asked him to show me the correct amount of my bill from the original creditor, I asked him to show me proof that he actually owned the rights to collect the bill and he could not show me any proof, he only said to me and the Judge that he could show us what he had on his XXXX XXXX which obviously was little to nothing because the Judge didn't even want to see it. Instead of the Judge dismissing the case she continued it and asked me to bring proof of the correct amount owed on the bill to the next hearing, meaning she wanted me to validate the debt for this debt collector who said that I owed him money and I was thinking to myself " Really '', now why would I help him validate a debt that he says I owe him? He claimed that he had a witness to the debt but obviously it was a robo signature from an employer that worked for XXXX XXXX. I felt as though it was a loosing case with this Judge so I settled with the Lawyer before the next hearing. As I checked the XXXX XXXX XXXX Website and I see that this company has 400 plus complaints and these people have gone through some of the same collection hassles that I went through with this company such as the late phone calls, calls at work, being threaten that they were sending a process server out to my job and even talking to my boss, the last step was the 4 day judgement notification and we get to court and he couldn't even produce the correct information and obviously was still favored by the judge and this is so unfair! I have never been to a court hearing before and it was sad for not only myself being taken advantage of but also the other individuals that was being sued by this Lawyer whom I think of now as the " XXXX XXXX Collector ''. These poor people had absolutely no idea of their rights and nobody to inform them of their rights, not even the judge! Obviously this Lawyer knew before coming to court that these people had no idea of what to ask for in court because he had not one shred of evidence on paper and when I asked to see all of this information he seemed quite stunned and confused as to why I would even ask for these documents and I was just as stunned that the Judge even continued the case for him to better prepare himself for the next hearing. XXXX XXXX who is owned by Encore Capital Group whom was sued b the AG of New York in XXXX for their un fair violations of consumers and was ordered to vacate more than 4,500 improperly obtained judgements totaling nearly 18 million dollars and had to pay XXXX XXXX dollars in penalties and cost. The AG also stated that they will continue to pursue debt collectors and lenders who improperly take advantage of courts and the hard working people of his state and as a result of this this the company only filed 526 lawsuits in New York in XXXX. I feel as though they only filed 526 law suits probably was because it was to expensive for them to buy the correct information that they needed in order to win a judgement and they could no longer harass and threaten the people of New York without facing serious consequences. Therefore they have move their unfair collection violations here to Mississippi. They are also using the same tactics to harass and threaten the people here in Mississippi and using our courts as an outlet to win their cases because they seemed to rule the court room and he won every judgement straight from his XXXX XXXX without any questioning from the Judge! I would like to see the people of Mississippi get a refund of their money back from these people and hopefully our AG will also vacate their judgements because the evidence that they are producing in court is evidence that they should not have been able to obtain judgements in the first place. I also hope that the AG WILL fine them for all of their violations and continue to protect the people of XXXX from these people. XXXX XXXX and XXXX XXXX XXXX is making billions of dollars from people who absolutely have no idea of how to protect themselves.
|
| 08/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am a natural person, I am a living human being. I have rights under 15 USC 1681. MIDLAND CREDIT MANAGEM is govern by 15 USC 1681. And they violated my rights numerous of times. I demand this account be removed because According to 15 USC 1681. I have the right to privacy and i did not give MIDLAND CREDIT MANAGEM writtent permission to furnish this account. This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX 2021 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXXXXXX XXXX XXXX //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY MIDLAND CREDIT MANAGEM the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY MIDLAND CREDIT MANAGEM, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
|
| 11/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I lost my job back in XX/XX/XXXX and immediately activated the XXXX XXXX ( XXXX XXXX ) insurance coverage linked to my XXXX Credit account. Each month I was required to submit a benefits application along with proof of my continued unemployment and in turn the minimum monthly payment due on the XXXX account would be paid. Benefit applications were submitted for the months of XX/XX/XXXX to XX/XX/XXXX. In reviewing my account statements, it appears benefit payments for the months of XX/XX/XXXX thru XX/XX/XXXX werent posted, despite the required documentation was submitted. I first attempted to contact XXXX by telephone regarding the missing payments in XX/XX/XXXX but wasnt able to speak to anyone. The country was under mandatory lockdown due to XXXX and XXXX representatives werent available. I followed up on XX/XX/XXXX by mailing copies of all of the required documentation relating to the missing payments and requested they be posted as quickly as possible.
In XXXX terms and conditions for unemployment benefit coverage it states once the maximum number of payments, which is twelve ( XXXX ), has been reached and if unemployment continued, the XXXX account would qualify for a balance waiver, and the remaining balance on the account would be paid in full.
From XX/XX/XXXX to XX/XX/XXXX, XXXX had issued a total of nine ( 9 ) benefit payments to my XXXX account. XXXX was made aware once the missing payments had been issued I also would have met the requirement to have the remaining balance waived and paid off.
Once the lockdown was lifted and business operations were back to normal, I assumed XXXX fulfilled their responsibility by posting the missing payments and paid off the balance of my account because I never received any further communication about my claim or my credit account from anyone until I received a letter from Midland Credit Management sometime in XXXX indicating my XXXX had been charged-off in the amount of {$1500.00} and they were attempting to collect payment.
Since my contractual agreement on my XXXX account was with XXXX XXXX XXXX reached out to them directly in writing informing them an error had been made on their part and requested it be corrected immediately. A copy of my letter was sent to Midland Credit Management with a cover letter stating I was not acknowledging or accepting their claim that I now owed them any money but wanted to bring to their attention XXXX had been contacted for a resolution.
In addition to the missing benefit payments along with the balance on the XXXX account not being waived, I discovered XXXX failed to credit my account in the amount of approximately {$170.00} plus tax for XXXX items that were ordered in XX/XX/XXXX but never received. XXXX was contacted about the missing items and I was instructed to complete and submit an, Affidavit of merchandise not received. Credit for the missing items was never received after the form was submitted.
Despite all of my previous communications with XXXX, XXXX, XXXX XXXX and Midland Credit Management my account appears to have been allowed to continue in the collection process to where it was turned over to an attorney who in turn filed in small claims court attempting to collect.
This XXXX account should have never reached the level that it has. All parties involved, despite having been made aware numerous times there was a problem, have simply chosen to ignore or take steps to resolve it. I have again attempted to get this matter handled by contacting XXXX but was told to contact XXXX, who said they no longer had my account and directed me to XXXX, the servicer. XXXX said my account was now in the hands of Midland Credit Management who told me I would have to speak to the law firm assigned to handle my account.
None of the parties ( XXXX, XXXX XXXX Midland Credit Management ) whove had a role in the handling of my account have taken any interest in assisting me with this matter, despite each having reported it negatively to the credit bureaus. The credit bureaus wont do anything stating by law only the reporting creditor has the ability to take action on an account that has been reported on my credit file.
I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this issue. I want Midland Credit Management to delete their negative reporting of my account permanently with each of the credit reporting agencies.
I have copies all benefit applications and proofs of unemployment and the affidavit of merchandise not received that were submitted to support my claim.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { MIDLAND CREDIT MANAGEMENT INC } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { MIDLAND CREDIT MANAGEMENT INC } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { MIDLAND CREDIT MANAGEMENT INC } are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
MIDLAND CREDIT MANAGEMENT INC XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
|
| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Let it be unequivocally stated : Midland Credit Management , INC, your harassment and demeanor shall not be countenanced, given that Midland Credit Management , INC has transgressed numerous provisions under the Fair Debt Collection Practices Act ( FDCPA ). It is imperative to comprehend that you are not immune to the legal constraints that you are legally bound to uphold.
On the XXXX XXXX XXXX XXXXXXXX I received a distressing missive from Midland Credit Management , INC, which advanced the threat of a lawsuit pertaining to an alleged debt. First and foremost, your organization has transgressed Title 15 of the United States Code, Section 1692d, by engaging in actions that can only be categorized as harassment and abuse. Such behavior will not be countenanced.
Secondly, Title 15 of the United States Code, Section 1692e, has been violated through the dissemination of false and misleading statements concerning my person. Furthermore, it should be duly noted that your organization, lacking the legal credentials, can not aptly designate a " Pre Legal Notice '' without infringing upon the FDCPA.
Thirdly, I wish to assert that I have never entered into any contractual arrangement pertaining to the alleged debt which you persist in harassing me about. I vehemently demand to inspect any document bearing my signature, indicating my consent to engage in business dealings with your organization. It is worth noting that your actions run afoul of Title 15 of the United States Code, Section 1692i ( B ), which expressly states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Consequently, your claims hold no legal standing in my regard, and any attempts at extortion shall be resolutely repelled.
Failure to elucidate the allegations contained within your correspondence would also constitute a violation of the FDCPA. It is disconcerting that you intend to exploit my personal information for dissemination among various entities. As per your purported document, multiple parties may possess my personal identifying information, none of whom have sought my consent or input in relation to this alleged transaction. Consequently, your actions border on an extortionate endeavor, thus contravening Title 15 of the United States Code, Sections 6801 A ) and B ) ( 1 ), ( 2 ), and ( 3 ). I hereby demand that you elucidate your intentions concerning my personal identifying information and delineate the measures you intend to undertake to safeguard said information.
A comprehensive investigation into Midland Credit Management , INC has revealed a disconcerting pattern of duplicitous conduct. Your organization has been implicated in the practice of robo-signing affidavits, which culminated in a legal judgment of {$500000.00} against you in Minnesota. Additionally, your organization faced legal repercussions in Johnson vs. Midland for misrepresentation against potential victims in Maryland, similar to the circumstances surrounding my case. There exists an abundance of cases that substantiate your unscrupulous tactics. The litany of cases lost by your organization serves as a damning testament to your propensity for deceit and your readiness to flout the law. One could compile a voluminous tome detailing these lost cases, underscoring your organization 's nefarious practices. Equally, one could assemble another substantial volume chronicling the grievances lodged against your malevolent enterprise. Given your egregious track record, it is arguable that your operation should have long ceased.
A perusal of case XXXX alone suffices to underscore my resolute aversion to any association with your business or its subsidiaries. I categorically disavow any purported debt or account associated with your organization. Your unlawful correspondence clearly intimates a proclivity for obfuscation and equivocation, with its demand for an explanation that fails to redress my legitimate concerns regarding your extensive history of misrepresentation. I shall conclude with this declaration : I shall bring to light the reprehensible nature of Midland Credit Management , INC . I shall not remit a solitary cent, especially for an alleged debt that I do not owe. I insist upon the immediate closure of this alleged account within your offices and the cessation of all collection activities associated with it. Failure to acquiesce to my demands shall result in legal repercussions pursuant to Title 15 of the United States Code, Section 1692k.
|
| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
deducted from my paycheck statement in the amount of {$260.00} the garnishment deductions do not correspond with the account information that has been provided via mail and listed on the website of Midland Credit Management Please let it be noted I have attached the payment statements send to me from Midland Credit Management do not correspond with the following payroll garnishments as documented on my pay sub statements issued for the following dates : XX/XX/XXXX {$260.00} ( please note the first garnishment went into effect as deductions documented on my pay sub statement ) XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} Total Amount deducted under garnishments {$2.00}, XXXX I have attached all of the corresponding documentation that has been provided via postal mail and Midland Credit Management website account documentation listed under the account that Midland Credit Management Notice of Garnishment dated XX/XX/XXXX, XXXX that reflected as per Midland Credit Management response dated XX/XX/XXXX, states that the documentation that I attached to my compliant which I was very confused about listed on their website account that reference the Judgement against XXXX XXXX : A payment that were listed on Midland Credit Management XX/XX/XXXX - {$140.00} XXXX {$30.00} XX/XX/XXXX XXXX XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$35.00} As documented on Midland Credit Managements response letter dated XX/XX/XXXX, that the listed deductions of the printout that I attached and retrieved from Midland Funding Management XXXX were payments that Midland Credit Management paid to cover legal fees ( as per the account number documented on Midland Credit Management website under selected account : XXXX. ) But, as per the XXXX XXXX Civil Court, Civil Judgment attached the legal fees issued on XX/XX/XXXX are not reflected on the payments Midland Credit Management references as legal fees. This brings me to a previous complaint that I have filed stating that Midland Credit Management continues to have on file inconsistent posting of payment records with an explanation. How I became first aware of the Judgement Midland Funding LLC filed against me was when I received the Notice of Garnishment letter on XX/XX/XXXX. It was not until I was advised to file an Order to Show Cause that I did on XX/XX/XXXX, at the XXXX XXXX Civil Court that I became aware of Midland Funding LLC had been granted a judgment against me. The inconsistent records of my case previously and currently remains to be practiced by Midland Funding LLC XXXX XXXX XXXX XXXX, XXXX, but as per the documentation covering XXXX & XXXX, XXXX & XXXX were the original legal firm handling Midland Funding LLC legal documentation that pertains to the Judgment and all required legal action that was supposedly taken from XXXX to the present.
I have received responses from my previous complaints filed with CFPB that clearly shows a pattern of being inconsistent given the recorded and filed documentation that Midland Funding LLC has provided and in responding to my complaints and consistent documentation of record recording that is listed on Midland Funding web site and documentation that they have provided to me via postal mail to date. Throughout the complaints that I have filed Midland, Credit Management responds to my complaints they continue to state that they are unable to answer my questions in regards to statements that I have represented and refer me to XXXX XXXX XXXX XXXX XXXX ( the prior legal firm that is documented on records dated XXXX to XXXX were presented by XXXX XXXX XXXX XXXX XXXX. ) This is an inconsistent response considering that Midland Funding LLC/Midland Credit Management is documented on the notice of garnishment as the judgment creditor, Affirmation In Opposition to Order To Show Cause dated XX/XX/XXXX, Midland Funding LLC is the plaintiff, and all of the documents that I was provided when I filed an Order to Show Cause that XXXX XXXX XXXX XXXX XXXX provided me after XX/XX/XXXX, as are the people that are providing me with the inconsistent information that does not correspond with the garnishment documented on biweekly pay substatements that went into effect as of XX/XX/XXXX to the present.
This is a question for CFPB what are the requirements required when a garnishment is occurring that the person being garnished is to receive from the XXXX XXXX XXXX XXXX who is garnishing my paychecks.
|
| 07/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
For the first part of my complaint, please see attached PDF titled " FTC Settlement '' XXXX XXXX, XXXX failed to comply with the FTC settlement for " time barred debt '' that it would not " sue to collect '' requirements highlighted in red in the PDF - I have no record of the steps outlined having been taken and multiple violations of the other requirements and was in fact sued. Second part - please see attached PDF titled " PROOF '' On XX/XX/XXXX Process server XXXX XXXX allegedly handed my ex wife XXXX XXXX ( falsely stating we were married, we divorced five years prior ) and wrote her name down as XXXX XXXX - she had by then legally changed her name back to XXXX. XXXX XXXX did not reside at my residence and in fact we had not lived together in over five years. I never received the summons. I submit that the court summons was in violation of OK Statute Title 12 Section 2004 and should never have been enforceable or been filed legally. Third part - Please see attached PDF titled " DEFAULT '' On XX/XX/XXXX a default judgement and order was filed in the district court of XXXX county in favor of XXXX XXXX, XXXX. Again, I was totally unaware of my need to be in court or even have the opportunity to defend myself or even respond to the petition since I was never served. Fourth part - Please see attached PDF entitled " AGREEMENT '' On XX/XX/XXXX I spoke with someone at XXXX XXXX XXXX XXXX ( attorneys for XXXX XXXX, XXXX ) who had been harassing me incessantly for over a year at this point to discuss what was then determined to be the default judgement I had no knowledge of. The person I spoke with insisted that " the service was good '' even though I explained that the person they served was my ex wife and I had never received the summons to the petition. I was told my wages could be garnished, that my credit was ruined, etc. and that they would require the full judgement amount plus on going interest which all totaled was around {$7500.00} and change. Since I had started a new job and was fearful of this affecting my job I agreed to a lesser amount of {$5800.00} at that time to be paid in installments - I planned to contact an attorney after that to seek relief. It is my understanding that at this time, under OK Statute Title 12 Section 95 the debt was well past the time barred debts statutes, especially since I was completely unaware who XXXX XXXX was prior to that and what the debt was for, etc, as described above and should not have been enforceable. The debt, I have recently learned, was charged of by XXXX XXXX XXXX in XX/XX/XXXX - so nearly five years later, outside of the scope of the law to recover, I was being coerced into an agreement. Despite that, I began making payments and continued to do so beginning XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$300.00} totalling {$1200.00} at that time. It must be noted that my son went into the hospital XX/XX/XXXX for a XXXX XXXX illness which kept him hospitalized until XX/XX/XXXX. Since my insurance did not kick in until sometime in XX/XX/XXXX I was facing in excess of {$50000.00} in medical debt. I explained this to the law firm at that time seeking a reprieve. Part five - please see attached PDF 's titled " GARNISHMENT '' - " PAYMENTS '' and " PAYMENTS2 '' On XX/XX/XXXX a garnishment order was sent to my bank. I had previously contacted the law firm representing XXXX XXXX, XXXX listed above to make them aware that I had lost my job in XX/XX/XXXX - despite that they issued a garnishment order to my bank. Further, I was never served any documentation that I was facing garnishment order prior to my bank account being seized. I believe XXXX and/or XXXX XXXX, XXXX is required to at the very least provide me with a certified letter, which was never received. I have been working contractually since XX/XX/XXXX and receive, as pay, an advance or " draw '' against future commissions to the tune of {$1500.00} per month. I reached out to XXXX ( the law firm representing XXXX XXXX, XXXX ) on or about XX/XX/XXXX to attempt to remedy the situation. XXXX refused to accept the {$1200.00} I had already paid, which would have reduced what I " owed '' to {$4600.00} and instead demanded the full original {$5800.00}. I agreed at that time to {$200.00} per month beginning XX/XX/XXXX. XXXX collected {$39.00} from my bank accounts, leaving me no money whatsoever. Total collected by XXXX on behalf of XXXX XXXX, XXXX = {$1400.00}
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Currently, MIDLAND CREDIT MANAGEMENT is reporting several accounts that is misinformation, account number XXXX reporting as XXXX XXXX. XXXX reporting as XXXX XXXX,XXXX, and XXXX.These accounts have been disputed both under FEderal and under North Carolina law .
Special Rules Governing Debt Buyers North Carolina was the first state in the nation to enact legislation to protect consumers against the abusive practices of debt buyers. The Prohibited Practices by Collection Agencies at N.C.G.S. Chapter 58, Article 70, governs debt collection agencies operating in North Carolina. As of XX/XX/XXXX, this Chapter also governs the activities of debt buyers operating in the state.
A. Who is a debt buyer? N.C.G.S. 58-70-15 ( b ) ( 4 ) categorizes a debt buyer as a type of collection agency, meaning that it must comply with the same regulations as collection agencies under Chapter 58 : A debt buyer. As used in this subdivision, the term " debt buyer '' means a person or entity that is engaged in the business of purchasing delinquent or chargedoff consumer loans or consumer credit accounts, or other delinquent consumer debt for collection purposes, whether it collects the debt itself or hires a third party for collection or an attorneyatlaw for litigation in order to collect such debt.Critics claim that junk debt buyers clog court systems throughout the United States with complaints based on inadequate and incomplete information. XXXX XXXX, Automated Debt-Collection Lawsuits Engulf Courts, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XXXX, Haunted by XXXX Debt, XXXX, XX/XX/XXXX.
Case law documents instances where junk debt buyers have sued North Carolinians who merely had a similar name as the actual debtor on the account.
See, e.g., XXXX v. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX.
XXXX. XXXX XXXX ( M.D.N.C. XXXX XXXX, XXXX ) ). Debt buyers have also sued persons who were the victims of identity theft on identity theft accounts. See XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ).
Such wrongful lawsuits occur because debt buyers purchase accounts for pennies on the dollar, often with little or no documentation of actual amounts owed, the terms of account agreements, or meaningful identification of account holders : The problems resulting from this overall lack of proof or accuracy are myriad, leading to thousands of dubious judgments entered by default. XXXX XXXX, Defending Junk XXXX XXXX XXXX, XXXX XXXX, Vol. XXXX, XXXX. XXXX, XXXX XXXX. Complaint Requirements for Debt Buyers : Unfortunately, many consumers may not receive the required pre-suit notice or may mistake it for just another collection letter on an account that they do not believe they owe. Therefore, the XXXX also subjects debt buyers to heightened pleading requirements. N.C.G.S.
XXXX.
This standard addresses the public policy concern that a debt buyer should show prior to obtaining a default judgment that it is the rightful owner of the account in question and that the amount claimed due is accurate in terms of actual charges incurred, as well as late fees, overlimit fees, interest accrued, attorneys fees owed, and the like.
Under the XXXX, a debt buyer must attach certain materials to any complaint that it files : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached.
( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership.
Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number.
To date MIDLAND CREDIT MANAGEMENT has not provided any proof under XXXX tthat would constitue any validation as a matter of record MIDLAND CREDIT MANAGEMENT continues to operate in the state of North Carolina with complete disregard to its general statues MIDLAND has not provided any documentation on the account level as well as any documents with my signature to say these accounts are mine and still report themto the bureas
|
| 08/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Good Morning, Please be advised that I have already filed a complaint ( # XXXX ) against Midland Funding and you have closed the complaint. My follow-up complaint is of the same nature as the first complaint. One of your agents confirmed for me that you have regulatory authority over Midland Funding. I am reporting what I believe to be violations of the Fair Credit Reporting Act as a public service. I am not asking you to do anything on my behalf. I called the CFPB yesterday and spoke to one of your agents and he advised me to file an new complaint under these circumstances, and to contact XXXX XXXXXXXX XXXX XXXX about my complaint to see if they would also take it up.
Midland does not give satisfactory answers to the issues I raised in my complaint. I allege that they knowingly slow-walk documents to me, and perhaps every consumer, as a way to pressure that consumer into settlement immediately before their court date. Midland maintains that they produced a letter on XX/XX/XXXX that got mailed XX/XX/XXXX, that I received on XX/XX/XXXX, 1 business day before my court date. Hmm, what a coincidence? Of course, there happens to be no time for legal counsel to review that document before having to appear in court. Please note that they could very easily e-mail these documents to you but elect not to for some reason? Hmm, I wonder why that is? And then when you call them and ask them to speak with you about what has been mailed they won't give you any detail on the documentation that's in the mail.
Once the documentation is received in the mail, it says in big bold letters ( sent as an attachment in prior complaint ) " Action Required ''. I called them to ask them if I need to sign the Consent Judgment as a part of the payment plan agreement and they would not answer the question. I have since learned that I was under no obligation to sign the Consent Judgment, and am thankful that I did not do so. Additionally, when you file a complaint with the CFPB they unilaterally terminate your payment plan agreement until you withdraw your complaint from the CFBP and will not even have a conversation with you until you withdraw your complaint. I wonder about the legality of this action? Again they are using deceptive and intimidating debt collection practices to collect a debt, something explicitly forbidden by the Fair Credit Reporting Act. And they know this, because they are unwilling to go on record in writing ( On-line Chat ) with these statements. XXXX XXXX, Lead Corporate Counsel, Legal and Regulatory Affairs for Midland Credit, wrote a letter to the State of Tennessee, Division of Consumer Affairs advising them that I wrote a similar complaint to the CFPB. See attached letter. She then proceeds to send them 46 pages of documents that are supposed to be dispositive that we somehow owe Midland Funding {$4000.00}. That letter is dated XX/XX/XXXX. Could it be a material fact that Midland Funding lost their court case against me on XX/XX/XXXX and yet knowingly chose to omit this fact in the letter? Hmmm, why does XXXX XXXX choose to omit that fact, a fact that can have some bearing on how you respond to her answer to my complaint. Why does XXXX XXXX lie about Midland 's actual response to my complaint to the CFPB? She says that my complaint " inactivated '' the previous payment plan. That's not the word that they use when you call into them. They say that you payment plan has been deleted and that they will not consider a new plan until I withdraw my complaint. Can this really be legal-deleted an agreement and requiring the withdraw of a complaint in order to pay off a debt? I can not see how this could be allowed under the Fair Credit Reporting Act. She says to call " Internal Legal '' to confirm terms of a new plan. But make no mistake about it, I called internal legal department multiple times and each time they told me the same thing-you must withdraw the complaint for a new payment plan to be considered. Why don't you request recordings of the phone calls to confirm what i am saying to you is true? If you have regulatory authority you should do so. At this point, I am only asking Midland Funding, to confirm my account of the facts. If any detail of my account can be factually disputed ( such as internal recordings of my conversations ) I ask Midland to provide transcripts of those phone calls. Thank you in advance for reading my complaint and responding in a way that is in the best interest of every consumer.
|
| 12/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management has been collecting on an alleged debt for Midland Funding LLC, in which they are accusing me of sole responsibility.
A Subsidiary of Encore Capital Group, it has been involved in more than 300 federal lawsuits. It has violated TCPA, FDCPA, FCRA laws numerous times. The Consumer Financial Protection Bureau has sued and demanded strict policies on Midland Funding and Parent company Encore Capital for : i. Illegal collection activities ii. CFPB specifically found that encore capital bought debts that they knew or should have known were inaccurate or outside the statute of limitations.
iii. Also found that they bought debts, that where they knew or should have known that the underlying documents or records were inaccurate.
iv. Made misrepresentation to consumers that their accounts have been reviewed by an attorney and that a lawsuit will be brought up with failure to pay v. Misled consumers to agreeing for auto-dialed calls to their cellphones causing spam harassment violating the Telephone Consumer Protection Act ( TCPA Laws ) vi. They have filed lawsuits with no intention to prove if the consumer contested it vii. Have filed misleading affidavits in their lawsuits against consumers ; some were even made up viii. Have misled consumers and courts by stating that an undisputed debt is presumed to be valid under debt collection laws, when in fact the Federal Laws governing debt collection state no such thing.
Even after scrutiny from the Consumer Financial Protection Bureau, Midland Funding LLC continues to defame persons character, humiliate persons integrity, and wreak havoc on persons life. Last month I sat through a trial that went on for 5 months for an alleged credit card that was opened under a XXXX year old grandma social secuirty number. Midland Funding LLC went after her government checks for 5 months and finally called the court in by phone to dismiss the case. Midland Funding LLC is comitting such acts on a daily basis. Midland Funding LLC is an unchecked company and has been degrading people and feeding on their ignorance and preying on their lack of education.
I have sent express certified letters to XXXX, XXXX, XXXX, and Midland Funding LLC. The Credit Bureaus have stated that the account has been validated but has not stated the process they used for validation. The account can not be validated because XXXX XXXX XXXX has not been able to validate the account. How can the Credit Bureaus validate an account that has not been validated by the Collection Agency itself?
These negligent actions committed by the Credit Bureaus raise many questions, especially the question of credibility. How credible are XXXX, XXXX, and XXXX? How do they store our data? How do they verify or validate accounts, especially accounts that can not be validated?
Midland Funding LLC continues to sue me, violating FDCPA LAWS and have set pretrial for XX/XX/2019. They are persistent on collecting this invalidated, unverifiable, inaccurate alleged debt. They have violated FCRA LAWS AND TCPA LAWS by : 1. Repeated calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 2. sing this kind of language is considered harassment. [ 15 USC 1692d ] 806 ( 2 ) 3. Calls at these times are considered harassment. [ 15 USC 1692c ] 805 ( a ) ( 1 ) 4. Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit as a deceptive intimidation act [ 15 USC 1692e ] 807 ( 5 ) 5. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) 6. A collector is not allowed to contact you at work if youve let them know your employer doesnt approve of these calls and can not use cell phone in the workplace. [ 15 USC 1692c ] 805 ( a ) ( 3 ) 7. Within five days of the collector 's initial communication, it must send the consumer a notice including the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) 8. A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) 9. After receiving the Defendants written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b )
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I XXXX XXXX am doing this myself with no third party involved. Midland funding is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave Midland funding consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. Midland funding Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; Midland funding has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; Midland funding is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Midland funding has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. Midland funding is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Midland funding has provided false information to XXXX
|
| 07/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
AMERICAS BIGGEST SCAM TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are seven posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX XXXX , XXXX On each of these collection notices it specifically states that XXXX XXXX XXXX , XXXX is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX XXXX XXXX XXXX the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year.
On XX/XX/2017 a decision was handed down in the United States Supreme Court on a case called XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers.
The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature.
XXXX XXXX XXXX , XXXX has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX XXXX , XXXX This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections.
XXXX XXXX XXXX XXXX HAS NO SUBMITTED PROOP OF OWNERSHIP!
A COPY OF THE XXXX v. XXXX XXXX XXXX XXXX IS ATTACHED!
I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR!
I DEMAND THE PURGE OF MY FILES FROM XXXX XXXX XXXX , XXXX
TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that MIDLAND CREDIT MANANGMENT had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2018 with a balance of {$590.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase.Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. MID LAND CREDIT MANAGEMENT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX
|
| 01/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from my credit monitoring service. I saw that my XXXX XXXX had dropped a tremendous amount of points. I logged on and found that Midland Credit had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$300.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it?
But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase.
Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was sued by XXXX, XXXX and XXXX on behalf of Midland Credit Management. MCM claims that I owe them money on 4 different accounts.
MCM ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX ) {$3300.00} XXXX XXXX ( The XXXX ) {$2900.00} XXXXXXXX XXXX ( Stage ) {$3400.00} XXXXXXXX XXXX XXXX {$970.00} Through extensive research I learned that MCM and its affiliates Encore XXXX XXXX XXXX XXXX XXXX Midland Funding LLC ; Midland Credit Management XXXX and Asset XXXX XXXX XXXX have been sued by CFPB for issues such as mine.
MCM along with it attorneys continue to pursue debts collections with no legal grounds to do such. Midland Credit Management through its Attorneys XXXX, XXXX and XXXX filed multiple lawsuits against me in XXXX and XXXX which they were granted without providing any legal documentation to do so.
I first disputed these debts on XX/XX/XXXX via email with XXXX, XXXX and XXXX. I received no response and wrote another email on XX/XX/XXXX after receiving another letter by mail from XXXX. On XX/XX/XXXX I finally received a response from XXXX XXXX from XXXX office stating that due to privacy they could only speak with me via phone.
XXXX continued to refuse to speak with me EXCEPT for by phone. I feel that this is because they do not want the communication in writing.
After numerous disputes and failed/ ignored request for documents bearing my signature, and proof that I have any legal obligation to MCM they filed suit against me in district court.
I had never been through anything like this. I appeared the day of court with copies of all the emails showing my request and stated they had yet to provide me with any documents other than 1 page copies of statements. Unfortunately because I didn't provide these prior to court my please fell on deaf ears and MCM was granted judgement.
Following that they are now posting small {$10.00} or less payments on these accounts each month which are not being made by me. I feel they are falsifying payments in an effort to keep these accounts active and extend time limits.
This company has destroyed my credit. I cant buy anything, not a car, a house, NOTHING!
EVEN AFTER JUDGEMENT I have continued to seek proof from XXXX. I have specifically requested copies of contracts bearing my signature and was told by their employee " that I know better than to request that because everything is done online these days. '' The law specifically states I am entitled to that.
Your agency filed lawsuit filed on XX/XX/XXXX, which stemmed from a previous investigation and broken consent order that was put into place to avoid litigation from XXXX.
It is more than apparent that Midland Credit Management and affiliates continue to break the terms of the XXXX consent order by continuing to collect money from consumers like myself through regular collections as well as the filing of lawsuits when they do not possess the legal documents to do so.
MCM states that they acquired these accounts XX/XX/XXXX. That date came after XXXX consent order and before the XXXX suit filed by CFPB.
I have continued to requested multiple times for MCM to provide me with proper documentation that they have a legal right to collect any monies from me.
The ONLY documentation I have every received from MCM or their attorneys is a copy of final credit card statements.
Copies of credit card statements does not prove a debt. It is also appalling that it is my LEGAL RIGHT to be provided with the documentation I have requested and being told I know better than to request such.
Midland Credit Management has deliberately not upheld the law and sought illegal judgement against myself and countless other consumers.
Midland Credit Management through there improper, deceitful and phony business practices has ruined my credit, which has prevented me from even being able to own a home.
These debts have been disputed with the major breuaes countless times before any judgement was filed and following and MCM always reports back to the bureaus that they are correctly reporting which is yet another falsified action on their part.
I wish to have all of my accounts with company dismissed, and removed from my credit report at once.
It is my hope that you can assist me in this matter. This company can not be aloud to continue to lie and take advantage of consumers.
Any help with this matter would be greatly appreciated.
|
| 08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.
Hide full complaint What product or service is your complaint about?
PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?
ISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?
XXXX What happened?
I submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.
|
| 03/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I requested debt validation and amendment or all credit reports from XXXX XXXX XXXX as detailed below. Both debts reported information contrary to my evidence. This demonstrates a lack of good faith reporting effort. My findings are as follows : XXXX XXXX/XXXX : The XXXX XXXX Superior Court ordered a judgement in favor of myself with no putative damages awarded to Midland in XX/XX/XXXX. ( 1 ) Midland failed to remove item when requested in writing when provided the court ordered judgement as evidence. ( 2 ) Midland failed to accurately reflect the account status as paid or remove the item altogether and instead sent me an invoice of the original amount owed of XXXX in XX/XX/XXXX. It is my understanding a lost judgement nullifies any future collection efforts and my credit reports should have been amended last year removing the debt altogether. The Fair Debt Collection Act does not stipulate reporting responsibility however various other court cases dictate nullification. What is the responsibility of the debt collector in this circumstance? ( 3 ) This has resulted in Midlands noncompliance without specific instruction.
Secondly, Midland is notorious for pursing legal action relating to debt acquired from XXXX/XXXX. Upwards of 90 % of the cases result in default judgements for the original debt amount owed to XXXX and the incurred expenses of Midland. ( 4 ) If just 10 of 50 cases are pursued in a portfolio are awarded in favor of Midland, this more than satisfies the cost of price paid for all bad debts in that portfolio, any assumed administrative burden and satisfies entitled usury collection of no more than twice the state rate.
Reporting this debt as a revolving account to XXXX assumes Midland has a banking or financial services license, they do not. Refer to XXXX vs. XXXX XXXX XXXX, ( 5 ) despite court judgement, XXXX XXXX continues to assume the same rights to collection as the original debtor, a national bank by misrepresenting the actual status effecting the most harm to my credit report and score.
( 6 ) Without oversight, there is high potential for gross profiteering. ( 7 ) Additionally, Midland continues to take threatening action against me by posting this debt as an active collection to all bureaus. They continue to misrepresented the status of the debt as defined by the Fair Debt Collection Act with the attempt to usurious interest as defined by the RICO Statue for a debt they no longer have the right to collect.
XXXX XXXX/XXXX XXXX XXXX : The attempt to collect XXXX is unfounded and without merit based on actual expenses incurred by Midland to be estimated at less than 500.00 to date. Without pursuing collection in court and incurring the legal expenses, Midland can not justify the amount they are attempting to collect from me. I have requested amendment, pursuit of legal recourse or removal of the attempted debt collection in XX/XX/XXXX. I in turn received notice of original amount owed with instruction of how to pay. ( 1 ) They failed to validate acquisition they price and incurred expenses ( my new liability to Midland as a debt buyer ) to justify continued collection attempts. This is my right.
Midland continues to take threatening action they not have authority to pursue. ( 2 ) Midland continues to misrepresented the status of the debt by reporting active collections on both XXXX and XXXX for a total of XXXX and as a revolving account to XXXX. ( 3 ) Represents failure to consistently report the same data to all bureaus and is ( 4 ) an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports.
Reporting this debt as a revolving account to XXXX assumes Midland has a banking or financial services license, they do not. Refer to XXXX vs. XXXX XXXX XXXX, ( 5 ) despite court judgement, XXXX XXXX continues to assume the same rights to collection as the original debtor, a national bank by misrepresenting the actual status effecting the most harm to my credit report and score.
The 12 cited issues above establish a precedence of Midlands illicit collection practices failing to meet the standards of the Fair Debt Collection Act, to honor a court ordered judgement, continues pursuit to collect usurious interest as defined by RICO Statue with intent to cause damage to my credit outside what would be legally allowed.
|
| 08/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been attempting to settle a debt with Midland Funding, LLC for nearly two months now. I contacted Midland Funding, LLC onXX/XX/19 in regards to my debt in attempts to settle with them, and they told me that they were no longer servicing the debt, and proceeded to direct me to a company called XXXX XXXX. I contacted XXXX XXXX on that very same day and spoke with an employee named XXXX XXXX. She proceeded to tell me that they were no longer servicing the debt, and that I would need to contact XXXX XXXX. On XX/XX/19 I contacted XXXX XXXX and spoke to a male employee whom I did not record his name. He told me that it would take him at least a week to have an answer for me as to what was "going on" with my account. He told me to call back sometime after "a week or so" and they would have an answer for me. On XX/XX/2019 I contacted XXXX XXXXk and spoke with a female employee by the name of XXXX XXXX She proceeded to tell me that the debt was sold back to Midland Funding, LLC and that they were who I needed to speak to to resolve the debt. I called Midland Funding, LLC again on this day,XX/XX/2019 in an attempt to settle the debt. Again, I was told that I needed to call XXXX XXXX, that they were not servicing the debt any longer. They also told me I could call XXXX XXXX XXXX to see if they were in control of the debt at this point. I contacted the XXXX XXXX XXXX customer service number that Midland Funding, LLC provided me on XX/XX/19 and was told that they were no longer handling the account and that it would have to be resolved through Midland Funding, LLC. On XX/XX/19 I attempted to call Midland Funding, LLC again, to settle the debt with them. And again, I was redirected to XXXX XXXX as I was told they were no longer servicing the debt. I contacted XXXX XXXX again onXX/XX/19 and again was told that they were no longer servicing the debt and that I would have to contact XXXX XXXX. So, I contacted XXXX XXXX again onXX/XX/2019and was told that it was settled through their company and listed as "closed" as the debt was "out of footprint" and that XXXX XXXX could not handle the debt because of the fact that I reside in Pennsylvania, a state that they don't practice in. The employee told me that the debt had "for sure" been sold back to Midland Funding, LLC and would have to be settled through Midland Funding, LLC. The amount to be settled to the best of my knowledge is now XXXX I contacted Midland Funding, LLC again on XX/XX/19, explained all of the events that had taken place on trying to pay the debt, and they were still unable to resolve the issue for me and continued again to try and redirect me to XXXX XXXX. I asked to speak to a supervisor at this point on XX/XX/19. The supervisor took my phone number and my email address and told me I would be contacted within 1 day with an answer as to why I couldn't settle this debt through Midland Funding, LLC and who I needed to contact to pay it, and I never received either. No phone call and no email. I checked my credit reporting applications, and Midland Funding, LLC is the company that continues to report negatively (derogatory) on my credit report each month. It is causing me XXXX hardship and it is holding me back in prospering in life. I am working very diligently in attempts to repair my credit health and to place it on the correct path, and this company continues to negatively report to the credit bureau's when I have tried repeatedly, on numerous occasions, to settle this debt with no success. I don't feel that they should legally have the right to continue reporting derogatory against my credit when they offer no answers as to how the account is to be settled. All I have tried to do for nearly two months is settle the debt. The company reporting negatively against me is totally unable to answer any of my questions, and will not offer any solutions about how to get this settled so that it doesn't have a negative impact on my credit score anymore as I move forward with life. I have spent hours upon hours waiting on hold through endless phone calls in attempts to contact these companies and settle my debt, only to receive no answers as to how to settle my debt. I want Midland Funding, LLC to IMMEDIATELY stop reporting derogatory on my credit report until they can actually allow me to settle the debt. This is beyond ridiculous.
|
| 10/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XXXX. AND YOU MARKED IT AS DUPLICATE. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) and 12 USC 5511 ( b ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Midland Credit Management stated in the previous complaint that they have bought this debt. Therefore a person would not owe this alleged debt to Midland Credit Management, or the assumed original creditor. Midland Credit Management stated XXXX as the original creditor had the right to legally seek repayment of the promissory obligation the new third party purchaser has the right to repayment of the credit account. Midland Credit Management is under the false pretense that since the alleged debt was sold to them that they can legally seek repayment. Midland Credit Management just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. Please be advised, Midland Credit Management has incorrectly defined the term " charge off ''. However, defined in LAW, within the Fair Debt Collection Practices Act, is the term " debt '' ; 15 USC 1692a ( 5 ) The term debt means any obligation or ALLEGED obligation of a consumer to pay money arising out of a TRANSACTION. Midland Credit Management stated that this alleged debt was charged off by the assumed original creditor, therefore there is no longer a transaction, therefore THERE IS NO DEBT. Midland Credit Management also advised they received my " CEASE AND DESIST '' notice. In that Cease and Desist notice I advised Midland Credit Management to cease ALL FORMS OF COMMUNICATION through ANY AND ALL MEDIUMS. Pursuant to 15 USC 1692a ( 2 ) congress defined Communication in the Fair Debt Collection Practices Act as " the conveying of information regarding a debt directly or INDIRECTLY to any person through ANY MEDIUM '' My consumer reports are INDIRECT MEDIUMS and Midland Credit Management must adhere to law and not communicate with me through my consumer reports or they will be in violation. Also, I, the federally protected consumer, never gave Midland Credit Management permission to have my location information or my authentication feature, that is a violation of my INDIVIDUAL right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, Midland Credit Management just admitted to participating in conspiring against my rights with the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. Midland Credit Management are violating 18 USC 1028 by UNLAWFULLY transferring my authentication feature ( social security number ) electronically. I am not a consumer who is unaware of his rights and the laws that protect him against abusive debt collection practices, such as Midland Credit Management is displaying. Fact, I do not need Midland Credit Management to respect consumers ' rights, I need them to adhere to the consumer protection laws which governs them. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Do not violate my rights or the Fair Debt Collection Practices Act any further. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts. Do not sell or transfer any of my personal information in connection with this alleged debt. I do not give Midland Credit Management, or any of its representatives, affiliates, employees or legal counsel permission to pursue legal action against me, the federally protected consumer, for that would be a violation pursuant to 15 USC 1692i ( b ) and 15 USC 1692e ( 3 ). With Explicit Reservations of all Rights, Without Prejudice - UCC 1-308
|
| 04/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company started contacting me in XXXX in which they would call multiple times a day 4-6 at least on various numbers on everyday of the week. Their phone calls left me in tears on numerous actions due to the never ending harassment despite attempting to resolve the matter. Thus sending me in emotional distress due to their manipulative practices. I informed them that I lost my job due to the federal shut downs of COVID as the tanning salon I worked at was closed due to Governor XXXX mandate. Additionally leading to the store closing therefore I was on a limited income and could not consent to a payment plan at the time. They were relentless in their harassment. They contacted my grandfather XXXX XXXX as well as my XXXX XXXX XXXX various times as well revealing my debt owed and attempting to solicit my information. They were informed multiple times to stop calling by both my grandfather and aunt as the matter did not relate to them. They coerced me into a payment plan threatening to sue me if I did not consent to a payment plan. They would claim the accounts were in different departments transferring me numerous times leading to hour long phone calls trying to resolve the matter. Despite suggesting in their mailed communications and on their website that they will work out budget repayment plans and work around hardships this has been quite the contrary. They forced me into a payment for two accounts beginning in XX/XX/XXXX in which they received payments from me until XX/XX/XXXX. The are falsely reporting my balance to the credit unions which is impacting my credit score preventing me from finding some where to live. They are also falsifying the balance in a claim to XXXX XXXX XXXX XXXX. I had a starting balance on account Midland Credit Management XXXX XXXX XXXX XXXX of {$810.00} however I have made payments from XXXX and the balance should be at {$360.00}. I have another Midland Credit Management account # XXXX the balance started at {$1400.00} however there were payments made from XXXX and the balance should have been reduced to {$860.00}. I have attempted to communicate with employees such as XXXX XXXX and XXXX at midland as well as countless others who have been complete rude, belittling, and deceptive. They attempted to deny the multiple payments despite myself previously receiving payment plan contracts in email and paper coupled with my bank records showing their payments were taken out. This company falsely claims to work to resolve the debt yet they do not reduce the amount report to credit unions and try to pursue legal actions despite receiving payments. This combined with the never ending harassment of myself and my family members is completely unacceptable and a violation of protection laws. This company is the only company I have issued resolving my debt with. I have filed a dispute with the credit reporting agencies regarding my credit report. I am concerned that the company will continue to harass me and pursue legal action despite my attempts to resolve the debt. Even if I pay them the full amount I am concerned they will attempt to falsify information and continue this harassment as this has been going on for 3 years the company still is not telling the truth, falsely reporting balances, and harassing me by means of fear through threats to sue me. The company falsely suggests consumers can work through their website however no contact information can be updated. When payment plans are updated through the portal the following payment ends up not being pulled despite a confirmation popping up. They falsely state on the phone and through mail communications that their website may be used to manage the account however it does not list all of the payments that are made and while having a tab for Mcm documents there are never any files uploaded for receipts of payment, communications between debt collector/consumer, etc. in attempt to hide if the consumer did in fact attempt to resolve the debt. The only documents listed on their site are from the original creditor this making it appear as if the consumer never attempted to resolve the account. XXXX XXXX XXXX informed me as well that to dispute the balance I would have to cancel any payment plans therefore leaving it to appear as if I have not paid or am not attempting to resolve the debt.
|
| 08/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Older American |
|
I am being sued by XXXX XXXX XXXX, telephone ( XXXX ) XXXX on summons, for a credit card debt from XXXX. My XXXX XXXX XXXX account was involuntarily taken over by XXXX. XXXX never approved my balance and sent their first statement in XXXX of XXXX for a payment due of {$2600.00} to bring my account down to their limit of {$2500.00}. I made one payment to XXXX for an " agreed '' amount while they looked into the issue. They then increased the interest rate to the maximum " for the duration '' and started charging late fees on the unpaid amount due. I never activated the card with them nor agreed to their terms or conditions of the credit card nor signed any agreements for the terms of their card. However, my debt was purchased by XXXX XXXX XXXX. Their account number given to me over the phone for this transaction was XXXX. As a senior who's personal information has been stolen from XXXX, City of XXXX and compromised by the federal government, I do not give any personal information over the phone to unknown callers. On XX/XX/XXXX, I was served with a summons filed in XXXX XXXX Superior Court by XXXX XXXX XXXX. After many calls in XXXX, XXXX, to the XXXX number listed in the lawsuit ( many forwarded to XXXX ), I finally was connected to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Michigan. I was told by XXXX XXXX XXXX that if I paid the full amount of {$4900.00}, the lawsuit would be dismissed after the money was credited to my account. Before sending, I verified the bank number ( XXXX ) and routing number ( XXXX ) with attorney, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, who was listed on the Superior Court summons. The money was credited according to another attorney, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX who was also listed on the Superior Court summons. He agreed to file a dismissal. I received, in the USPS mail, a form ( that was not dated or stamped by the court ) to " dismiss this action with prejudice - entire action of all parties and all causes of action '' BUT, '' the court did NOT waive court fees and costs of a party in this case. '' I refused to sign away my right to sue and did not agree to pay court and attorney fees of an unknown amount on an unrecorded declaration of dismissal document with my signature. I HAVE PAID THIS IN FULL with a XXXX XXXX wire transfer on XX/XX/XXXX, and have the document to prove it. I see no reason to go to court unless XXXX thinks they can collect unknown $ amounts from my assets - including my home. This court case is still pending in the Superior Court of XXXX XXXX XXXX County. I am concerned about a judgement to garnish my bank accounts. I am a senior living pay check to pay check. I took a loan to pay the entire {$4900.00} and am now stuck with those payments. I feel that I am being harassed as a single senior woman ( who was recently treated in XXXX, for a XXXX XXXX ) and with no knowledge or understanding of legal issues and no money to hire a lawyer. XXXX knows this and knows I was trying to avoid going to court. Can they get a judgement if I have already paid the full debt? Please help. I have all documentation including bills from XXXX and legal summons. The 30 days for response to the court has passed as I thought XXXX was going to dismiss the case and I did not need to respond to the court. I have called XXXX XXXX and Senior services. I contacted online lawyers for debt collection but received no responses. I have been to the courthouse for documents twice to file a response but was told to contact a lawyer or legal services. What is a person supposed to do to protect themselves from harassment from debt collectors that know exactly how to manipulate the legal system by filing lawsuits in Superior Court ( expensive )? How does a law-abiding, un-educated senior protect their property and bank accounts from debt collectors that know how to use the court system to their advantage? I have all documentation but do not know how to send you these documents. I do not have a printer or fax and have limited knowledge of this laptop computer. My mortgage company, XXXX XXXX, sold my loan to an investor 2 days after I sent the wire transfer to XXXX. I assumed XXXX XXXX did not want to deal with any judgements that might be filed against my home equity. Please help.
|
| 12/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I sent Midland Credit Management the below XXXX notices and request and they continue to report fraudulently that I owe them money and I have never had any business with this company and I do not owe them any money.
XX/XX/XXXX Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : NEGATIVE REPORTING OF AN ALLEGED DEBT TO CONSUMER REPORTING AGENCIES Dear XXXX XXXX, I do not owe you or your company any debt. I am demanding that you remove all reporting by your company from every single credit reporting agency in existence by the deadline below.
I am writing to dispute an alleged debt that you have been reporting to numerous consumer reporting agencies associated with my social security account number ending in XXXX since XX/XX/XXXX. In recent months, when I reviewed some credit reports I noticed your company has been making false and negative reports about my character and credit to various credit reporting agencies.
You are alleging and reporting negatively that I owe you {$12000.00} for an alleged account for XXXX XXXX. You are impacting my XXXX score, impacting my life and ability to obtain credit, lease a residence, purchase a home, purchase vehicles and you are causing me emotional harm and distress.
I am requesting a copy of the original application with my original signature for the alleged account.
I am requesting the GeXXXX XXXX XXXX XXXX XXXX XXXX ) reporting according to XXXX for both sides of the ledger for the full accounting of the alleged account.
I am requesting that you provide copies of the original executed delegation of authority by all parties to collect on an alleged account for XXXX XXXX for {$12000.00}.
I am requesting a copy of the original agreement showing that I owe you or your company anything because I have never had any business relationship of any kind with you or your company and I have never signed any agreements with you or your company.
Your deadline and response with all requested documents above shall be sent to me at the address above not later than XXXX business days after delivery to you ( confirmed by XXXX online tracking ).
XX/XX/XXXX Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C . 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested.
This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above.
Please provide me with the following : What the money you say I owe is for.
Explain and show me how you specifically calculated the entire amount of what you say I owe.
Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures.
Identify the ORIGINAL creditor.
If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS.
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me.
Provide me with ANY documentation which establishes your legal standing to collect anything from me.
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.
|
| 09/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
After repeatedly explaining to Midland Credit Management Inc. employees that I was a victim of identity fraud, Midland Credit Management Inc. continued to engage in harassing phone calls and did not conduct an investigation in conjunction with the original creditor to find out if there was merit to my claims of identity fraud.
The phone calls started coming in XXXX of 2019. The first one I received was from a gentleman who said that he was going to collect {$2900.00} On behalf of a credit debt I owed from a XXXX XXXX Credit Card and that he wanted to know how I would be paying off the debt. Since I could not remember ever obtaining a credit card from XXXX XXXX or running up a debt of {$2900.00} On a credit card, I said into the phone I had never taken out a credit card and let it go delinquent and that this was just a scam and hung up the phone. For the next few days, I received multiple phone calls every day from the same person saying that I owed {$2900.00}. I did not respond any more to these phone calls, but I started to wonder if something bad had happened because most scam artists do not keep calling. I went to check on my credit history and found that indeed someone had taken out a XXXX Credit Card in my name in XXXX of 2019, ran it up to the credit limit, and then let the payments slip into delinquency.
Next, I reached out to an identity theft company called XXXX to help me figure out what was going on and what to do about it. Immediately, they helped me to find out how someone had stolen my identity. It turned out that someone had pretended to be me and simply used an old address of mine ( from over 10 years ago ) to obtain the credit card. XXXX is owned by XXXX and they quickly removed the hard inquiry from my credit history. They also helped me to get a fraud alert placed on all 3 major credit agencies. Finally, they told me to contact XXXX XXXX and Midland Credit Management Inc. and let them know what had happened.
Consequently, I reached out to XXXX XXXX to let them know I had been a victim of identity theft. I told them that someone had used an old address of mine to obtain a XXXX Credit Card in my name and that they had run it up to the credit limit and not paid it off. The employee from XXXX XXXX asked me for my current address and then told me they would get back to me in 30 days with the results of their investigation. I also contacted Midland Credit Management Inc.to let them know I had been a victim of identity theft. They told me they would conduct their own investigation and would let me know the results within 90 days. They did not ask me for any information pertaining to my identity theft case.
Just this past week, I received two letters. One from XXXX XXXX stating that they had conducted an investigation and found that I was indeed the victim of identity theft. They stated that they would be reaching out to the 3 major credit agencies to have them remove the XXXX Account tradeline from my credit report. The other letter was from Midland Credit Management Inc. stating that after reviewing the information you provided, our account notes, and information provided by the previous creditor we have concluded that our information is accurate. This was very strange to me since they had never asked for any information from me regarding my case of identity theft and if they had been working in conjunction with XXXX XXXX, then they would know that XXXX XXXX had ruled in my favor and that this was a case of identity theft.
In this situation, Midland Credit Management Inc, has shown itself to be grossly incompetent. Even after letting them know that I am a victim of identity theft, they have made my already difficult situation as a citizen and consumer much worse by continuing to insist that they have conducted a thorough investigation and worked with the original creditor which is simply not true. By filing this complaint, I seek relief from a company ( Midland Credit Management Inc. ) that has demonstrated itself to be a harm to the consumer by automatically deeming them guilty in a case of identity theft and not adequately investigating the matter as it rightfully should be investigated so as to not make a very stressful and worrying situation exponentially more stressful and worrying.
|
| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THE COMPANY MIDLAND CREDIT MANAGEMENT PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME is XXXX XXXX.
According to the Fair Debt Collection Practice Act, codified as 15 USC 1692, you, as a " Debt Collector '' are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail, or email in a fraudulent account. Your failure to verify this account is trespass on right to privacy and to contract. Under FDCPA, unverified accounts are considered a " Fictitious Obligation '' and any demand for payment of such is an attempt to extort and administer property without right.
Definition and Points of Authority ( pursuant to Federal and/or State rules of evidence, rules of procedure and FDCPA/15 USC 1692 ) Federal Rules of Evidence 1001 ( a ) A " writing '' consists of letters, words, numbers, or their equivalent set down in any form.
( b ) A " recording '' consists of letter, words, numbers, or their equivalent recorded in any manner ( d ) An " original '' of a writing or recording means the writing or recording itself or any counterpart intended to have the same effect by the person who executed or issued it. For electronically stored information, " original '' means any printout -- or other output readable by sight if it accurately reflects the information. An " original '' of a photograph includes the negative or a print from it.
Rule 1002. Requirement of the original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statue provides otherwise.
18 USC 514 ( a ) Whoever, with the intent to defraud ( 1 ) draws, prints, processes, produces, publishes, or otherwise make, or attempts or causes the same, within the United States ; 28 USC 1746- Unsworn declarations under penalty of perjury Whenever, under any law of the Unite States or under any rule, regulation, order, or requirement made pursuit to law, any matter is required or permitted to be supported, evidence, established, or proved by the sworn declaration, verfication, certificate, statement, oath, or affidavit, in writing of the. person making the same ( other than a deposition, or an oath of office, or an oath required to be taken before a specified official other than notary public ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verfication, or statement, in writing of such person which is subscribed by him, as true under penalty of perjury, and dated, in substantially the following form : ( 1 ) if executed without the United States of America : " I declare ( or certify, verify, or state ) under penalty of perjury under the law of the United States of America that the foregoing is true and correct. Executed on ( date ).
( Signature ) ( 2 ) If execute within the United States, its territories, possessions, or commonwealths : " I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executedon ( date ) ( Signature ) Stating from 16 CFR 433.1 ( f ) it defines contract as any oral or written agreement, formal or informal, between creditor and a seller. Therefore, I never signed or orally said that I agreed to pay this alleged debt or even gave them permission to sell my information to a third party seller.
16 CFR 433.2 ( a ) invokes my right as the debtor to assert all claims and defenses.
15 USC 1692c ( a ) Communication with the consumer generally. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692e ( 2 ) The false representation of -- ( a ) the character, amount, or legal status of any debt; or ( b ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
|
| 05/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX, MCM ( Midland Credit Management ) began proceedings to collect {$1800.00} for a XXXX Credit Card debt. My XXXX credit card was activated XX/XX/XXXX with a limit of {$1200.00} the credit card usage was stopped at approx. {$730.00} for non-payment ( being 3 months in arrears ) in XX/XX/XXXX. I immediately contacted XXXX ( in XXXX XXXX ), knowing I never purchased {$1300.00} worth of merchandise, requesting statements with purchase information for the months of XX/XX/XXXX thru XXXX of XXXX but I was told MCM bought my account ( XX/XX/XXXX ) & they no longer had that information but MCM has a Recovery Dept that can send the information I request. I then contacted MCM and MCM 's Recovery Dept. ( XX/XX/XXXX ), requested information for purchases made from XX/XX/XXXX - XX/XX/XXXX. They sort-of complied, I was mailed XXXX statements " starting from '' XX/XX/XXXX, INSTEAD, with the beginning balance of {$1300.00} balance leading up to {$1800.00}. I have attached a copy of these statements : XXXX-MCM.pdf ( please be advised that this is not what I asked for ). Needless to say this was not what I requested and oddly the statement showed a previous {$0.00} balance, interest and late fees for the month of XX/XX/XXXX. Within the same month ( of XXXX. ) I filed the a dispute with XXXX, requesting MCM to show proof of purchases. I received no reply. I called XXXX XXXX Consumer Dept ( I'm not sure if that's the right name ) & was suggested to contact XXXX and XXXX ( who owns XXXX accounts ) for a resolve but upon contacting them again I got same answer from both.. " my account was sold to MCM and they had all the account information '', I'd have to contact MCM. I filed a 2nd dispute In XX/XX/XXXX, with the same request, and in XX/XX/XXXX the 3rd & last dispute was for MCM to show purchases " prior to '' the {$1300.00} balance, leading up to that balance and accrued fees that total {$1800.00}! XX/XX/XXXX, MCM 's letter reply was ; " ... we sent the information you requested and we don't understand what you are disputing. Send a letter with your request or contact us. '' Are they playing games? They had not sent what I asked for & numerous times I disputed them requesting time & time again with no resolve! During XXXX credit cards were being breached ( XXXX, XXXX XXXX & XXXX ) and I strongly feel, unless MCM is fibbing about what I owe, at that time I may have been a victim of credit card theft. This is why I'm requesting proof of purchases. It's unfair to charge & make me pay for a thieves debt. In XXXX my XXXX XXXX credit card was breached and used while I was in the store & he checked out the same time I did just one register over!! If the Customer Svc. Department at XXXX XXXX hadn't compared the time & purchase on my receipt to the thief 's, I'd been held liable for that crooks purchase ( s ).
I have also noticed actions taken by CFPB in XXXX against this company for trying to collect on debts using deceptive tactics. For example : 1-Attempted to collect on unsubstantiated or inaccurate debt : ... ..balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer ... .Some sellers also represented that documents were not available for some of the accounts .... '' 2-XXXX XXXX Associates falsely claimed an attorney had reviewed the file and a lawsuit was imminent : The companys collectors, who identified themselves as from the Litigation Department, misrepresented to consumers that litigation against them was planned, imminent, or even underway. In reality, in many cases, an attorney had not reviewed the account and the company had not decided whether to file suit. The list goes on and on about these heinous practices and I strongly feel this is happening to me now!!
Now, early XX/XX/XXXX, I received a FINAL NOTICE ( please see attached FINALMCM.pdf ) from MCM threatening me with lawyers, court and garnishing my wages and bank account ( Example 2 ). I never even received what I asked for and now they're moving forward with actions against me to hurt my livelihood and to damage my credit? Is MCM so reputable that they can ignore, walk over and force me to blindly pay this debt without question? If at all possible, please help!
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.15 Duty to Correct and Update Information. A furnisher that regularly furnishes information to XXXX is also required to notify a XXXX if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 Duty to Provide Notice of Dispute. When a consumer disputes the completeness or accuracy of furnished information, the furnisher must note the dispute to the XXXX when furnishing the information.18 Duty to Provide Notice of Closed Accounts. Furnishers that regularly furnish information to XXXX must notify the XXXX when a consumer voluntarily closes a credit account.19 This information must be included in information regularly furnished for the period in which the account is closed. The legislative history indicates that this requirement is designed to complement the requirement in 605 of the FCRA that XXXX must indicate in a consumer report when a consumer voluntarily closes an account20 and to ensure that an account closed by a consumer does not lead to the incorrect assumption by credit grantors reviewing the consumer 's consumer report that the account was closed because the consumer failed to meet its terms. Such an assumption could result in the denial of credit to a consumer.21 Duty to Provide Notice of Delinquency of Accounts. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a XXXX the furnisher must notify the XXXX of the date of delinquency on the account no later than 90 days after furnishing the information.22 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. For example, if an account became delinquent in XX/XX/XXXX but the creditor waited until XX/XX/XXXX to sell it to a collection agency, the date of delinquency is XX/XX/XXXX. See S. Rep. 104-185 External Site, at 49-50 ( XXXX ).
Identity Theft. Furnishers are required to maintain reasonable procedures to respond to notifications from the XXXX under 605B relating to information resulting from identify theft in order to prevent the refurnishing of this information. In addition, when a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher may not report the information to the XXXX unless the furnisher subsequently knows or is informed by the consumer that the information is correct.23 Negative Information. If a financial institution that extends credit and regularly furnishes information to a nationwide XXXX furnishes negative information to the XXXX about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the XXXX The notice must be provided to the consumer no later than 30 days after furnishing the negative information. After providing the notice, the financial institution is not required to send the consumer additional notices if it furnishes additional negative information to the XXXX about the same transaction, credit extension, account, or consumer.24 Two model forms ( Furnishing Negative Information ) are available in Appendix B of Regulation V. Appropriate use of one of the two model notices in Regulation V provides a safe harbor for complying with the notice requirement in 623 ( a ) ( 7 ). See Appendix B of Regulation V.
|
| 01/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XXXX XXXX, 2017 at XXXX XXXX ( CT ), I received a voicemail to my cell phone from XXXX XXXX XXXX XXXX ( XXXX ) about an alleged debt ( which I have disputed ). During this voicemail, the representative from XXXX disclosed personal information about other individuals from whom they are trying to collect payment including names, status of payment ( disclosing the bankruptcy status of one individual ), and medical information of another individual. I believe this was a purposeful, threatening tactic with the implication that if I did not pay them ( even though it is a false and disputed charge ) or engage with them on any level, they will disclose my name and personal information to other people that they call. As I have a unique name, I believe I was singularly targeted for this action.
Additionally, when I disputed this debt via certified mail to XXXX on XXXX XXXX, 2017, I never received a response from XXXX. Instead, however, I did receive a letter from another company -- XXXX XXXX XXXX ( MCM ) -- stating that they did not have enough information to investigate my inquiry ( I made the inquiry to XXXX not MCM, who I had never heard of at that point ). After I received this letter from MCM, I disputed the same alleged debt again ( via certified mail ). In none of the correspondence from XXXX or MCM was there any reference to the other company however, both mentioned their parent company, XXXX XXXX. The confusing correspondence from two entities of the supposed same corporate parent regarding the same matter leads me to believe that they are trying to extract a double payment for the same alleged debt.
My concerns are multiple : 1 ) XXXX XXXX ( via their affiliated companies ) is using threatening tactics by implying they will disclose my personal information to others if I do n't pay their alleged debt ; 2 ) They have been calling a cell phone number which I never gave them permission to use ; 3 ) They are sending confusing correspondence requesting payment from two of their corporate entities ( with vastly different names/addresses ) in the hopes that I pay them twice for the same debt ( which I have now disputed with both of them ) ; 4 ) I feel like I am playing Whack a Mole, disputing the same debt over and over again to various entities of XXXX XXXX. Its confusing ( I have no idea who these companies are when the contact me ), time consuming ( writing dispute letters & dispatching them to the post office ), costly ( sending them certified return receipt ), and annoying ( having my cell phone ring multiple times a day ). Not to mention what it is doing to my credit report.
As a side note, in one of the letters from MCM, they mentioned their Consumer Bill of Rights, which can be found on their web site. They state that the Bill of Rights applies to ALL of the companies of the Encore Capital Group ( which MCM and XXXX are a part of ) and I applaud them for providing one but, in my case, they violated several tenets of their stated bill of rights including : In our written correspondence with consumers, we provide clear communications, straightforward disclosures, To protect the privacy of the consumer, we do not systematically leave unsolicited messages on a consumers voice mail [ I received 15 calls and 5 voicemails in a 9-day period on my cell phone ALL unsolicited ], and We take all reasonable steps necessary to protect the security of confidential consumer information, including Social Security Numbers, defend against anticipated threats, and prevent unauthorized use of or disclosure to third parties of that information. What is the point of having such a bill of rights if they are consistently violated?
Evidence attached includes : MP3 file from XXXX disclosing personal information, Privacy notice from XXXX stating they have safeguards in place to prevent this ( which they obviously do not have ), Two letters from XXXX asking me to pay them ( with no mention of MCM ), Two letters from MCM asking me to pay them ( with no mention of XXXX ), and the MCM Bill of Rights ( which apparently also applies to XXXX ) that they have consistently violated. I have highlighted and notated within the documents ( where appropriate ), information I refer to in this complaint.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.15 Duty to Correct and Update Information. A furnisher that regularly furnishes information to XXXX is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 Duty to Provide Notice of Dispute. When a consumer disputes the completeness or accuracy of furnished information, the furnisher must note the dispute to the CRAs when furnishing the information.18 Duty to Provide Notice of Closed Accounts. Furnishers that regularly furnish information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.19 This information must be included in information regularly furnished for the period in which the account is closed. The legislative history indicates that this requirement is designed to complement the requirement in 605 of the FCRA that CRAs must indicate in a consumer report when a consumer voluntarily closes an account20 and to ensure that an account closed by a consumer does not lead to the incorrect assumption by credit grantors reviewing the consumer 's consumer report that the account was closed because the consumer failed to meet its terms. Such an assumption could result in the denial of credit to a consumer.21 Duty to Provide Notice of Delinquency of Accounts. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.22 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. For example, if an account became delinquent in XX/XX/XXXX but the creditor waited until XX/XX/XXXX to sell it to a collection agency, the date of delinquency is XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX ).
Identity Theft. Furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs under 605B relating to information resulting from identify theft in order to prevent the refurnishing of this information. In addition, when a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher may not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.23 Negative Information. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. After providing the notice, the financial institution is not required to send the consumer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or consumer.24 Two model forms ( Furnishing Negative Information ) are available in Appendix B of Regulation V. Appropriate use of one of the two model notices in Regulation V provides a safe harbor for complying with the notice requirement in 623 ( a ) ( 7 ). See Appendix B of Regulation V.
|
| 01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2022 XXXX. AFFIDAVIT OF TRUTH XXXX. NOTICE TO ALL, I AM THAT I AM, THE CONSUMER IN FACT, NATURAL PERSON, ORIGINAL CREDITOR, LENDER, EXECUTOR, XXXX, HOLDER IN DUE COURSE FOR ANY AND ALL DERIVATIVES THEREOF FOR SURNAME/GIVEN NAME XXXX, XXXX AND XXXX HAVE BEEN APPOINTED AND ACCEPT BEING THE EXECUTOR BOTH PUBLIC AND PRIVATE FOR ALL MATTERS PROCEEDING, AND I HEREBY CLAIM THAT I WILL D/B/A XXXX, XXXX AND AUTOGRAPH AS THE AGENT XXXX ATTORNEY IN FACT, SO BE IT Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only whoever that may be, and I depose the following facts, so be it, now present : XXXX. FACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FAIR CREDIT REPORTING ACT IS INTENDED TO SECURE MY RIGHT TO PRIVACY AND MY PRIVACY HAS BEEN BREACHED SO BE IT, AND XXXX. FACT, I AM SURE THE REMOVAL OF MY INFORMATION FROM THE MIDLAND CREDIT MANAGEMENT WEBSITE, COMPANY RECORDS, OR ANY AND ALL DERIVATIVES THEREFORE, OF, AND/OR WITH ANY AFFILIATES WILL ENSURE MY PRIVACY RIGHTS WONT BE VIOLATED AGAIN DUE TO MY LACK OF CONSENT AND THIS HEREIN AFFIDAVIT OF TRUTH STANDING AS TRUTH IN COMMERCE, SO BE IT, AND ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and : Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant tried to solve the matter with Midland Credit Management outside of court in regards to the abuse that is being cause by the use of obscene and profane languages as well as the injury and damaged that is being done to the consumers reputation. Presented in Exhibit C, Exhibit D as well as Exhibit F.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B as well as Exhibit XXXX that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Midland Credit Management is in violation of 15 USC 1692XXXX ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Midland Credit Management is in violation of 15 USC 1692c ( a ) ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1692d ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit XXXX that Midland Credit Management is in violation of 15 USC 1692d ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1692XXXX ( XXXX ) ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1681s-2 XXXX a ) ( XXXX ) ( B ) ( i ) Thank you, XXXX. I SWEAR TO ALL INFORMATION PROVIDED HEREIN, I DO SO UNDER THE PENALTY OF PERJURY THAT THE INFORMATION I SO AFFIRM TO BE TRUE, CORRECT, ACCURATE TO THE BEST OF MY ABILITY AND KNOWLEDGE, SO BE IT ; On the date of XX/XX/2022 XXXX, XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as a flesh and blood living being ( non entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
|
| 11/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My complaint is against Midland Credit Management ( MCM ). To date, they have failed to provide debt validation documents I've been requesting since XXXX. Additionally, their agents have given fake names, used abusive, sexist and threatening language towards me and claimed I was a liar.
I already started paying on this account because of MCM 's harassment and illegal tactics made me feel responsible for a debt my ex-husband opened. I feared further action. Even though unaware of the debt, I assumed XXXX XXXX should have been mine. I repeatedly asked for XXXX documentation showing my name was clearly mentioned in the opening of the account, and showing my signature on file. To date, MCM continues to fail to produce such documentation.
Since XXXX I have been trying to resolve this debt out of fear of their harassment and threats all while explaining to MCM that debt validation was paramount. However, I have been dismissed, hung up on, threatened, talked down to, called a liar, and endured sexist comments from their agents. All without XXXX documents.
In XX/XX/XXXX I contacted MCM asking again for proof and to settle the debt for a lesser amount. No less than XXXX agents used abusive language against me saying my offer was a disgrace and they were ashamed to take it to a supervisor. I asked again for debt validation documents and an agent named XXXX said they would be sent and that I could use the website to continue making monthly payments in whatever amount I could afford. However, when I logged in I was only given the option to pay the full amount or enter into another agreement of a set monthly amount.
On XX/XX/XXXX, I spoke with MCM about debt validation documents again. On XX/XX/XXXX, they mailed me what they called proof of the debt. It was a copy of XXXX of the monthly statements from the original creditor dated XX/XX/XXXX and a statement from MCM dated XX/XX/XXXX, saying they owned the debt as of XX/XX/XXXX. It also said they were willing to work with me to resolve the debt. See attached.
I contacted MCM multiple times on XX/XX/XXXX attempting to once again to discuss a possible settlement and to request XXXX.
XX/XX/XXXX called MCM, XXXX, at XXXX spoke to XXXX XXXX XXXX
I offered to settle for {$1200.00} and he said that was too low an offer to take to an account manager.
Requested account origination/debt validation documents again ( XXXX request ), he said they sent it in XXXX. I tried to explain that it was just the last statement from XXXX.
He hung up on me.
XX/XX/XXXX called back at XXXX When I verified my name and account number, the agent asked how I was related to the name on the account. I said it was me. He said I'm not discussing anything with you because a woman can not have this kind of first name. When I said my parents named me this, he hung up.
XX/XX/XXXX called at XXXX When I verified my name and account number, the agent hung up on me XX/XX/XXXX called at XXXX, XXXX, XXXX Tried to call back and the call dropped on MCMs end each time XX/XX/XXXX called at XXXX and XXXX Tried to call back and the call dropped on MCMs end each time XX/XX/XXXX called from work phone at XXXX and XXXX Call dropped on MCMs end each time XX/XX/XXXX called from work phone at XXXX Spoke with XXXX XXXX He said they cant re-send the debt validation documents sent in XX/XX/XXXX I stated it wasnt XXXX documentation He said a duplicate would be sent and they have 90 days to get it to me. Within this time frame I do not have to make payments Also said he was raising a " general dispute '' about this account and if I could prove it was not mine or was paid off already then all would be settled I asked for account origination/validation documents to be sent to me by email he said they cant do that but gave me no reason why.
MCM continues to try and collect this debt through harassment, intimidation and rudeness -- all without providing the required documentation I repeatedly ask for. They refuse to accept my offers to settle for the less than the full amount so they can keep me in a lengthy and unfair repayment period without proving the debt is mine -- as they are required to do -- and without showing exactly what fees or other charges may be involved.
|
| 10/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX _________________________________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Status Open Type Individual High Balance {$360.00} Unpaid Balance {$360.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$270.00} Unpaid Balance {$270.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$120.00} Unpaid Balance {$120.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX _________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Status Closed Type Individual High Balance {$640.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Closed By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ________________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXXhas violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX Status Closed Type Individual High Balance {$1000.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Paid Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name MIDLAND CREDIT MANAGEMEN Also known as MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
XXXX XXXX XXXX Dear MIDLAND CREDIT MANAGEMEN : I have not received any communications from you as to the validity of this account or debt. I was not able to dispute this debt as it is not my account and does not belong to me. It is now a negative item on all three credit bureaus. Please supply the information below so that I can be fully informed.
Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm, Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as disputed. If you can not provide this information, the negative information must be removed from XXXX, XXXX and XXXX.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request tor VALIDATION made pursuant to the above-named Title and Section. I aggressively request that your company provide me with physical evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX, XXXX or XXXX, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : File a complaint with the Attorney General File a complaint with the XXXX XXXX XXXX File a complaint with the Consumer Financial Protection Bureau File a complaint with the Federal Trade Commission File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Thanks!
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I was sued in XXXX for a debt that was not mine and was never substantiated by XXXX XXXX. The case is set for a Hearing on a Motions for Proceedings Supplemental on XX/XX/XXXX regarding personal property and assets.
In XXXX XXXX XXXX filed a Motion for Default Judgement. I responded with a Motion to Dismiss on XX/XX/XXXX. In the motion I demanded proof from XXXX XXXX of the debt as well denying any knowledge of the debt. ( See attachment file A ) The Judge issues an order denying my motion but notes in the order to forward a copy my motion/correspondance with the Plaintiffs counsel. ( See attachment file B ) The Plaintiff ( XXXX XXXX ) filed a motion to withdraw Default Judgement ( See attachment file C ).
I assumed the matter was over as it was over a year until the next action was made when the Plaintiff filed a motion for Summary Judgement as well as a Memorandum for the Motion for Summary Judgment ( See attachment files D and E ) I had moved and no copies of the Motion for Summary Judgement were ever received by me which is why this case has taken me completely by surprise.
Important to note which is part of the basis of my complaint was that no documentation of any kind was filed with the initial filing nor with the motion for Default Judgment. It wasn't until the Motion for Summary Judgement that any kind of documentation was filed. This was attached in a Memorandum to Motion for Summary Judgment ( See attachment files F, G and H ) In these attachments no account level documentation was ever submitted. According to the Consent Order that XXXX XXXX agreed to on XX/XX/XXXX on pages 34 thru 36 under the Subheading : PROHIBITION AGAINST THREATENING OR FILING COLLECTION LAWSUITS WITHOUT AN INTENT TO PROVE THE DEBT, IF CONTESTED : Encore, which is XXXX XXXX parent company, is permanently restrained and prohibited from initiating a Legal Collection lawsuit unless in possession of Original Account Level Documentation which must contain the following : a ) Consumers name.
b ) Last four digits of the account number.
c ) The contractual terms and conditions of the debt.
d ) A Bill of Sale documenting the transfer of ownership of the debt which must include a specific reference to the particular debt being collected upon.
e ) Any one of the following : i ) A document signed by the Consumer evidencing the opening of the account forming the basis of the debt ; or ii ) Original Account level documentation reflecting a purchase, payment, or other actual use of the account by the consumer.
It is important to note none of these requirements have been met!
Further, on page 37 of the consent order that XXXX XXXX agreed too, under PROHIBITION OF FILING FALSE AND MISLEADING AFFIDAVITS : Line E states : Submitting any affidavit which references a Consumers failure to dispute a Debt unless the affidavit also contains the following statement : Under Federal Law, " the failure to dispute a debt under [ Section 809 ( c ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( c ) may not be considered by any court as an admission of liability. '' You will note that no such statement was made on this affidavit.
On page 47 item 146 of the consent order that XXXX XXXX agreed too it states : For the Dispute Affidavit Lawsuit Debt that has yet to be collected ... Encore must within 90 days of the Effective Date of the consent order being issued : a ) Withdraw, dismiss or terminate all pending Dispute Affidavits Lawsuits, b ) Release or move to vacate all Judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c ) Cease post-Judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits.
As you can clearly see XXXX XXXX is guilty of numerous violations of this consent order and has made no effort to correct the matter.
This lawsuit has grown to nearly {$30000.00} all for debt that was never mine in the first place! This lawsuit according to what the Plaintiff filed was from a debt that occurred from XXXX to XXXX.
As mentioned earlier this case if up for a Hearing on XX/XX/XXXX for assets and wage information so your help here is certainly needed and appreciated!
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Thank you for your response to my XX/XX/XXXX complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX that was submitted through the portal. After careful review of your response to my complaint, I am still denying all allegations by you.
In your letter, you stated that An investigation of this matter indicates you became the servicer of account ending in XXXX on behalf of purchaser Midland Funding, LLC ( Midland Funding ) on XXXX XXXX, however the letter that you attached to your response in the portal with the CFPB states that the account was purchased on XX/XX/XXXX. This letter has a date in the top right hand corner of XX/XX/XXXX. I never received any correspondence from XXXX XXXX ending in XXXX regarding this matter. You contend that the account originated on XX/XX/XXXX, however the statements provided begin with XX/XX/XXXX. You claim to have purchased the account on XX/XX/XXXX, but your response, includes a statement for XX/XX/XXXX from XXXX XXXX regarding this account.
In your next contention, you stated you became the servicer of the account ending XXXX on XX/XX/XXXX, however the letter that you attached from XXXX XXXX ending in XXXX that as of XX/XX/XXXX you were the new owner of the account. The date this letter was sent is displayed in the top corner as XX/XX/XXXX, however your attachments included a statement from XX/XX/XXXX.
For account ending in XXXX you state you became the account servicer on XX/XX/XXXX, and this information originated from XXXX XXXX with account ending XXXX. According to the letter from XXXX XXXX that you attached to your response, as of XX/XX/XXXX, you were the new owner of the account. This letter has a date of XX/XX/XXXX. You claim the account originated in on XX/XX/XXXX, however the statements only go back to XX/XX/XXXX. You attached a Trial Judgment to your response however, this judgment was never served on me. Also, your judgment does not indicate which account this is for. I pulled the case history from the XXXX XXXX XXXX XXXX, and there was never any service of this Judgment. I also noticed that there was a hearing listed on XX/XX/XXXX, but there is no Notice of Hearing filed for this date. How can someone appear for a case if they were never placed on notice? An Application to the court for an order and notice of any hearing thereon, not presented during a hearing or trial, must be served upon all other parties not less than XXXX days before the time specified for the hearing, unless otherwise unless provided by these rules or shortened by the court XXXX. XXXX XXXX. XXXX XXXX. I also have not received any copies of any of the pleadings that were filed in this case. Nothing was mailed to me or served on me by the Court or your counsel. If it was, then please provide the certified mail return receipt.
You state that the service numbers have changed, and you have record of all of this, however, record was never submitted to me, nor was any original account information which I repeatedly asked for.
You purchased account number XXXX provided by XXXX XXXX ending XXXX and state the account originated on XX/XX/XXXX. As stated previously, you have yet to provide any original account information, which I have once again repeatedly asked for. You claim to have purchased this account on XX/XX/XXXX, however the letter you attached shows you became the owner of this account on XX/XX/XXXX. The date of this letter is for XX/XX/XXXX. The letter shows XXXX different balances. Once again, the statements have issues as well.
A copy of this letter and corresponding evidence has been submitted to the CFPB and the Texas Attorney Generals office.
I encourage you to remove all accounts at once or face legal action against you. You have not provided accurate information and your evidence along with the letter you submitted to the CFPB shows this. I will move to have the Judgment thrown out due to a violation of due process. A copy of this letter will be sent Certified Mail Return Request Receipt to the address on the attached letter that you submitted.
The statute of limitations has also run out on all negatively reporting XXXX XXXX accounts on my report so I ask that these be removed as well.
|
| 11/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX we paid XXXX XXXX XXXX monthly money to help with the upkeep of my credit report. It was then when the credit report company alerted me to a debt on my account by Midland Funding. Please see credit report attachment. I had found out that this was for a debt that is not mine, I then challenged it with the credit reporting agency and it was removed. I then filed a police report with the city to document that this was done. I believed that in XXXX my issue was resolved.
My bank account was frozen in the XXXX of XX/XX/XXXX. I was surprised and when I called my bank they said there had been a garnishment. I had no idea what to do or how to fix it, especially because I struggle with English which makes an additional barrier.
I then received a letter in the mail which has a copy of the garnishment. This was the first time I had heard of it or seen the paper. I was so upset that no one told me about it or warned me.
I then called the number on the garnishment paperwork. I had never known there was a court date or a garnishment until I saw this paper. I called XXXX EXT XXXX, and talked to XXXX. I told her this is not my debt. They said I have to pay and asked how much I make a year. I kept telling her to give me proof that this is my debt, provide me proof, why did you guys do this when I already told you this was not my debt in XXXX. All she kept saying is that I have to pay and it doesnt matter that it is not my debt I still have to pay. The conversation went in circles and she never answered my questions on why they never alerted me to a court date, why they can not provide me proof that this is in fact my debt.
I kept calling back for days and no one answered.
I was able to talk to someone for a second time on XX/XX/XXXX. I asked her to give me verification of dates, provide me proof that this is my debt, I need a copy of verification of the debt to see if this is a valid debt and if you do not provide me proof you are breaking the law and I have a right to sue you. She then said o yes of course and sent me the judgement against me with no proof of what they are claiming or where the debt started.
From my investigations, I have found that originally there was a debt that started in XXXX and XXXX XXXX owned the debt. Later they sold the debt to Midland Funding. In XXXX I informed Midland finding this was not my debt and believed the issue was resolved.
Later they went after me knowing this was not my debt and garnished my wages.
This is an unfair practice against Washington residents. I do not know what can be done to help us and this is why they continue to do this. They take money from those that can not pay and those that do not speak good English. This is a predatory practice against certain Washington residents like me.
I feel like there is nothing I can do but pay a debt that is not mine and this is not fair. Credit agencies should not have this much power to take away from people without proof of the debt. This debt is not my debt and they refuse to provide proof.
I do not speak strong English and was able to find a person who could translate my complaint so I could submit this to your office. If it was not for this person in the community who informed me that I could submit a complaint I would not have known this is an option. This is why these companies get away with taking advantage of Washington resident like myself, because many of us do not know what to do or where to turn.
This has caused much hardship in my life. It also has cause our family a great amount of stress. We have not been able to sleep. We feel so unsafe at home because we were told that Midland can take our property, our cars, or what ever they like to satisfy a debt that is not mine. I feel unsafe and scared each day. We have no peace knowing at anytime they can come and take our property. It has caused a lot of problems in my marriage and emotionally with my wife and I. My family, my wife, and I worry everyday. My credit has been low because of this false debt and now since the garnishment my credit has gone lower. I have lots of anxiety now that makes my day to day living vary difficult.
I need help and I hope that you can help me.
|
| 08/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt.
I am aware and have proof that, MIDLAND CREDIT MANAGEMENTXXXX ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 2 ) ( A ). I was misled and deceived of the legal status of the alleged debt by not being disclosed that the alleged debt was time barred or that payment on the account would renew the statute of limitations. The alleged debt was bought on XX/XX/XXXX six years after the Account # XXXX was reportedly opened on XX/XX/XXXX and charged off on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY also failed to provide debt validation letter prior to attempting to collect debt pursuant to 15 U.S. Code 1692g.
I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 5 ). I received a letter stating the account may be proceeded to an attorney for possible litigation. I responded via certified mail and requested original account level documentation to validate the alleged debt. MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY sent a letter from XXXX XXXX XXXX XXXX regarding the debt being sold and a statement and has failed to provide adequate information on the account forming the basis for the debt and shall not legally file suit without original account level documentation. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 337 ( Haw. XXXX ) ( mere statements in affidavits do not authenticate exhibits referred to unless these exhibits are sworn to or certified ) The letter from XXXX XXXX XXXX XXXX regarding the debt being sold was addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX which is an inaccurate address and I have not had residence there.
I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 10 ) and 15 U.S. Code 1692e ( 13 ). I received several documents deceptively titled Midland 's Pre-Legal/Legal Process signed by Divisions Manager XXXX XXXX in an attempt to collect alleged debt.
I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692d ( 5 ) and 15 U.S. Code 1692d ( 6 ). I have record of repeated calls from MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY and a total of twenty nine voicemails. On XX/XX/XXXX a representative by the name of XXXX XXXX called me twice within one hour and left two voicemails. Two days later I received another two harassing calls within a thirty four minute time span. A representative of MIDLAND CREDIT MANAGEMENT/ENCORE CAPITAL GROUP COMPANY called from an undisclosed number stating only their name, " XXXX XXXX XXXX and not the name of the collection company when I asked twice who the call was from, after verifying who I am. XXXX XXXX then proceeded to harass me for eight minutes stating I owed a debt. These repetitive calls and voicemails accompanied with threat of legal suit caused me severe emotional distress and XXXX in fear of being sued for the alleged debt.
I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 10 ). I received the first letter threatening litigation from XXXX XXXX who signed as Divisions Manager. The document received on XX/XX/XXXX in response to the Cease and Desist was also from XXXX XXXX who then falsely signed as Consumer Support Services further confusing and misleading me on who is resolving my concerns. I have disputed this account several times with XXXX, XXXX, and XXXX and MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY continues to report this inaccurate account on my credit report. I have filed two FTC reports regarding my identify theft and improper use of sensitive personal credit data, one in XXXX and XXXX on XX/XX/XXXX.
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I received the first letter from Midland on XX/XX/2022, with a statement from the original creditor XXXX XXXX XXXX You sent me a letter with statements attached from XXXXy XXXX and a back page showing you purchase the debt from XXXX XXXX XXXX By CFPB subpart 2 regulation F you still did not validate any debt, you only sent me statements from the original creditor ( XXXX ) showing that you purchase the debt.
I have also sent proof to XXXX of the law, and they still fail to remove off my credit file.
Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) subpart b CFPB 1006.34 Notice for validation of debts.
( a ) Validation information required.
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( i ).
1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor.
For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( XXXX ) ( i ), unless the debt collector is also a creditor.
You sent me a letter just advising me of the original creditor for XXXX, date of charge off, and the date you purchase the debt. You did not provide me what the law say you must provide when requesting for validation of debt. You are also not a creditor per CFPB subpart A 1006.2 Definitions. Regulation F ; For purposes of this part, the following definitions apply : ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
So as a company you are being misleading and also deceptive with using the term or trying to claim that you are the original creditor. You are a debt buyer and per your website you claim Midland Funding, LLC is one of the nations largest owners of unpaid debts. Midland Funding owns accounts that have been charged off by the original lender. Charge offs happen after a lender doesnt receive payments for a period of time or payments are less than the minimum amount due. Lenders then close these accounts and sell them to companies like Midland Funding or MCM. So how can you claim to be a creditor that does not offer credit, but also state on your website you purchase charge offs? Like I advise in my first complaint you do not have any rights putting your purchase of a charge off of an alleged debt, that was written off on a company 's balance sheet, and claimed on the company 's corporation taxes as loss income on my credit report. Once that company has charge off any debt and include on their XXXX XXXX corporation taxes as bad debt ( charge off ), it is now considered loss income for that corporation and now that charge off becomes income for the consumer. If you are not aware of this, income is not reported on credit, so you are reporting income on my credit report which is not legal at all. Unless you can provide me with proof and documentation that XXXX never written or claimed this charge off on their corporation taxes, that you where transfer that debt to collect on XXXX behalf XXXX then you have no rights to report or collect any so-called debt from me. You purchased a bad debt/ charge off that has been written off from the prior and original creditor, assuming you have the rights to collect, but honestly you don't. Delete off all 3 of my credit reports and send me a letter showing proof, thank you!
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MIDLANDCRE Collection with account # XXXX opened on XX/XX/2021 and a balance of {$3500.00}.
As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2.
Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616.
Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The subsections you violated are as follows. 15 USC 1681 ( a ) 1, ( a ) 2, ( a ) 3, ( a ) 4, ( b ) 2.
Your company said that you did an investigation on this account, and it was verified. As a consumer, I exercise my rights under 15 U.S.C. 1681i ( a ). I'm requesting your method of investigation and verification. I'm granting you 15 days to respond to my request. I also exercise my rights under 15 USC 1681 ( a ) e. I want to know who you spoke with regarding this matter and what communication method you used. And, what company did you talk with, and what are the employee 's name and the number who furnished this information? Also, What's the neighbor 's name, friend 's name, associate 's name, and acquaintances did you speak with? Was all the information factual?
Please be advised that this is my FINAL WARNING that I fully intend to pursue litigation under the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my dispute letters that you verified that the items listed below are accurate, but you failed to send me copies of the documents you used to verify these accounts as per my request. You have ignored my request to send me copies of the documents you used to verify the disputed accounts is evidence that you can't and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can't verify after written requests is also evidence of your willful disregard for Federal Law.
When we go to litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the proper and correct documents you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files proves that you did not correctly verify the accounts within 30 days as required by law, and the Court will order you to delete them.
You say that you have reinvestigated these accounts. Still, you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts, which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts. Still, you also ignored this request, another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ''promptly DELETE all information which can not be verified. '' I request that you do this immediately.
I am a litigious consumer and intend to pursue litigation to enforce my rights under the FCRA.
The law is evident as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
|
| 09/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX received Postal Mail around XXXX XXXX.
I open it and realized that it was from a Debt Collector XXXX, XXXX XXXX XXXXXXXX.
The letter was dated XXXX, XXXX XXXX, and I only received it on the weekend of XXXX, XXXX XXXX.
I immediately call XXXX and they were closed the weekend, I reached out again on the XXXX, XXXX and XXXX of XXXX and I spoke to Account Representative XXXX XXXX.
I communicated to her, I just received the letter and I am responding because I just came back from XXXX XXXX from XXXX XXXX my sister Funeral.
XXXX XXXX, threatened me that I was passed 10 days to respond. Even though I explain to her that I just received the letter from the P.O and I responded immediately, And if by " Argument sake " that the P.O delivered the letter on time, I still couldn't response because I had a Life Crisis death emergency that I am dealing with.
XXXX. XXXX insisted in a Badgering demanding stern tone of voice it was my responsibilities to keep up with the payments or change of address.
Which I was surprise told her, that my Payments are " Automatic process through my checking Bank Account which still the same from since I signed up on XXXX to present.
A monthly fee of {$50.00}. was taken from my checking account every month, even during the World Crisis Pandemic and my bank was still paying my automatic payments and paying my bills so my Question to XXXX was? why you took a year and 28 days to send me a letter purposely knowing that I will received the Harassing letter after the 10 days noticed so I can Purposely Default as a consumer in convicting me that I have to pay the Original balance of {$9000.00}. I only owed as the letter stated {$550.00}. of an 18 years old Debt.
XXXX XXXX answer the question that they XXXXXXXX XXXX XXXXXXXX was at fault because of an IT Computer Glitch on their end, kept on insisted in a Harassing 's Rude, nasty tone of voice yelping at me that I owed {$9000.00}.
After we were not going no where! I asked for the Original Creditor information which was XXXX XXXX and Midland Funding LLC bought over the original debt.
I went to the Court House in XXXX XXXX XXXX, the next day in XXXX to file an Order to show Cause why I couldn't answer the Debt Collector letter of XXXX because it was sent late and I had a family member my sister died emergency.
The Clerk check the computer and asked if that was the first noticed because she didn't see any filed in the court Records and I should work it out with Midland Funding I call Midland Funding LLC 5 times to work out, negotiate to pay off the balanced of the {$550.00}. and explained why and I tried calling XXXX XXXX XXXX 3 times after which they automatically hang up the phone on me knowing. that I am calling.
The last represented of Midland Funding informed me the reason why XXXX not returning my phone calls is that I had to removed the " Legal Stipulation '' and they will call to work something out. That was a Business Lie...
That was a misdirected information, false statements and misrepresentation if I removed my legal " Don't Call List number '' that XXXXXXXX XXXX XXXXXXXX will work something out.
XXXX did not work nothing out but kept harassing me on the same tune by another Accounts Representative XXXXXXXX XXXX phone number, XXXX ext XXXX.
That's is Misleading misinformation and Misrepresentation I call Midland Funding to explained the situation and to speak to a manager XXXX XXXX whom I told that XXXX didn't work anything out after I was Convinced by them Midland Funding that they XXXX & XXXX will do so and now Both Companies are Finger Pointing and leaving me the Consumer very confused & XXXX.
I believe Midland Funding, by giving up my phone number legally to give XXXX XXXX XXXX XXXX XXXX for the Debt negotiation with me but which I am caught in a " Stand Still currently They refused to Uphold to the Original Negotiation for the balance of $ XXXX as per Taped conversation twice that in Admission that it was their Fault because of a their Computer IT Glitch that Stop the Automatic Payments Agreement.
|
| 09/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I opened a dispute with this company because they chose to illegally park on my consumer report. I asked for proof of when/ where I was properly notified about the opening of these collections. However, my request was denied and my dispute was closed despite these documents not being provided.
Furthermore, the document regarding me and the original creditor is nevertheless unimportant, as I am not asking for verification of the debt to the original creditor. Your assertion of sending disclosures is disputed as I have no record of receiving any correspondence from your company. By furnishing my private information to these third parties, you are violating my privacy rights. Also, there is a lack of documentation substantiating my obligation to make payments to you.
I hereby demand the immediate provision of comprehensive documentation proving I was provided a CLEAR and CONSPICUOUS notice of this debt and informed of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and relevant congressional regulations. If you can not provide the documentation required by law. These collections must BE DELETED from my consumer report to avoid legal action. Debt collector communication disclosure. The statement required by 1006.18 ( e ) .Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original creditor information.
And the other required notices/disclosures required by U.S. Code , 1006.34 As stated in your response, you claim that disclosure letters were mailed to me on the following : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Please provide proof that I was sent the proper disclosures and notices required by Congressional laws regulations under U.S. Code, 1006.34 " Notice for validation of debts, ''.
I hereby assert that I have not provided a permissible purpose, as defined in U.S. Code 1681b, for your company, " ( MIDLAND CREDIT ) '' to disclose my private information to third-party credit reporting agencies. It is crucial to note that leaking my private information without disclosure would be in direct violation of the Federal Fair Credit Reporting Act, specifically 15 U.S. Code 1681b ( 2a ). I demand immediate cessation of this activity to avoid legal repercussions. 15 U.S Code 1681b ( 2a ) Disclosure to consumer ( A ) In general, Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes concerning any consumer, unless ( i ) A clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
As the consumer, I never authorized your company to furnish any information to my consumer report, nor did I provide my social security number for this purpose.
Your company has no authority to report anything to my consumer report. The charge-off information is not public, and therefore you are furnishing unauthorized private information, which has resulted in significant harm to my character and mental health. The failure to provide proper proof of disclosures in question may potentially give rise to a legal cause of action for fraud and identity theft. You must adhere to the necessary procedures outlined by law to avoid any legal consequences.
The collections need to be permanently deleted from my consumer report, as well as its closure. Must I remind you, that the Fair Credit Reporting Act explicitly guarantees my entitlement RIGHT TO PRIVACY and privilege to an accurate credit report? Kindly reach out to me promptly with an appropriate update or any inquiries you may have. You are hereby on notice.
Thank you,
|
| 06/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I entered a payment arrangement with this company after they harassed me and called me at all hours of the day, and subsequently threatened legal action and then started legal action. They would not initially identify themselves when they first started calling me so I never responded. When I was notified of legal action, I reached out to Midland Credit Management , Inc. - XXXX and was notified of the debt. They told me I had to pay the full amount {$2700.00}, which I could not and then they said I could try and enter a payment arrangement if I paid {$190.00} at the time of the call and then subsequently {$100.00} a month until the debt was paid in full. I agreed to pay the {$190.00} and then {$100.00} a month following that on the XXXX of every month. They stated that legal action would stop so long as I made my payments on time and that if I defaulted on payments legal action would continue and a judgment would be entered against me which could result in me losing my job possibly, according to them. I said okay, and paid. I paid {$190.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I checked my credit score at the beginning of XX/XX/XXXX and it showed they were still reporting the balance owed of {$2700.00}, and were reporting that I had not made any payments. It stated on my XXXX credit report that the last time they had updated information was in XXXX of XXXX. I called Midland Credit Management , Inc. - XXXX in XXXX and asked if they could update the debt to reflect the accurate balance and that I had indeed made three payments at this point. They gave me the run around and transferred me and gave me different phone numbers to call and after 2 hours, I was told no one was trained on " Credit Reporting '' and that they would not update the correct balance or payments until the balance was paid in full. They could not give me any assurance of when that would be reported or if it would officially be reported to Credit Bureaus or just reported in Midland Credit Management , Inc. - XXXX systems. I was told not to dispute, just to be patient and keep paying as I had agreed or legal action would resume. I was told that they could see in their records that they were aware they were reporting the incorrect balance and inaccurate payment details and they showed the last time they had updated or reported anything about the debt was 5 months prior in XXXX. I then contacted XXXX and disputed this debt as they were reporting inaccurate balance amount and inaccurate payment history of the debt. I was notified on XX/XX/XXXX that the dispute was successful and that the debt was being deleted from my Credit Report and my Credit Score went up. I called Midland Credit Management , Inc. - XXXX and informed them of the dispute and that the debt was deleted from my Credit Score and I asked if I was still legally required to pay the debt. They would not answer me and laughed at me twice. They asked me if I only pay my debts when I'm forced legally or if I pay out of moral responsibility. I asked multiple times, " Am I legally required to keep paying now that the debt was disputed and removed from my Credit Report '' and they would not answer. The first agent I spoke with offered right away after her system showed that the debt was disputed, to cancel my payment plan, and I asked again, am I still required to pay, or not, since the debt was deleted and disputed, she would not answer. I was transferred to two different supervisors and after 1.5 hours, I was told if I didn't continue to pay, they would restart the lawsuit, possibly garnish my bank account and that I would have a judgement entered against me, but would not answer if I was legally required to keep paying on a deleted debt. They would not answer and kept repeating the question to me " do you only pay bills when you are legally forced ''?. They would not answer me and after so long, and speaking with two supervisors, who would not give me their real name, I gave up. I still do not have any answer and don't know if I'm supposed to keep paying or not.
|
| 03/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX - I was served with a lawsuit being sued in small claims court ( General District ) court in XXXX XXXX Virginia for a debt that a XXXX XXXX purchased as a charge off from a XXXX XXXX account my ex-fianc and I had opened. She let the account go delinquent, and the last information I had was when XXXX, who was servicing the account for XXXX, reached out with a settlement offer. After that, I was not contacted about it until I received the summons.
I did research about Midland Credit, and noticed all of their recent improper collection tactis.
XX/XX/XXXX - I filed an answer to the lawsuit for the judge to send the case to private arbitration per the agreement of the original account terms. I provided service of my answer to XXXX 's attorneys.
XX/XX/XXXX - I received a phone call from the XXXX Attorney that filed suit, XXXX XXXX XXXX. We discussed why I had counter filed, and if we could work out a settlement prior to having to appear in court ( which was scheduled for XX/XX/XXXX ). I sent him the last documentation I had from XXXX, and he came back with his best settlement offer of 50 % of the outstanding total to consider the account satisfied, the balance {$0.00} and the account paid less in full, but settled.
XX/XX/XXXX - I accept the settlement offer, and immediately send XXXX a check via XXXX overnight.
XX/XX/XXXX - He receives the payment and sends it to XXXX 's internal team that does that, and says it will take XXXX days to clear since it was a personal check, and that was no problem, and we would have the hearing on XX/XX/XXXX and ask for a continuation, and once the check cleared, he would dismiss the case.
XX/XX/XXXX - I go to court as well, we agree that a settlement is in place, and the check has been provided, and are just waiting for final clearance of funds. The judge pushes the case to XX/XX/XXXX.
XX/XX/XXXX - I reach out to XXXX to see if there is any additional items he needs from me. He responds that no, the funds have cleared, and he will write up a memo to the clerk of court that the matter is settled and for it to be dismissed.
XX/XX/XXXX - XXXX 's attorney writes a memo to the clerk of court regarding the matter being settled and for it to be dismissed.
XX/XX/XXXX - The clerk of court receives the memo, and reaches out to me, as I had called and ask for her if she did not mind before XX/XX/XXXX so I would know if I had to show up in court with proof of payment and offer.
XX/XX/XXXX - I receive an update from credit karma for a " new '' and open collection account on my credit report. That is odd, because, I understand them reporting the account, that is fine, and that is what should be done, however per my agreement, and the terms from their legal team, my account was considered closed, and having a balance of {$0.00}. Why would my credit report show that I have a balance of {$1400.00} with an active open account.
XX/XX/XXXX - I reach out to the XXXX attorney about this. He states that the account should show as closed and a balance of {$0.00}, however he doesn't handle that, and to call XXXX 's XXXX number. Which I do, and they state that the account is reflected properly.
XX/XX/XXXX - I file a dispute with the three agencies, and submit the supporting documentation I am going to provide here as well ( copies of the settlement agreement, the memo to the clerk of court, the communication between the attorney and I, copies of my bank statement showing the cashed check and a copy of the cashed check ).
I have not heard back from XXXX or XXXX as of this dispute, however experian has responded, and stated they found the information to be accurate, which I can not believe. They are the only one that was submitted online, so I was not able to submit as much documentation, however this is unbelievable ( to me ) tactics by an already known deceitful company. The fact that they can still report an open active collection account when their own attorneys agreed to a settlement offer that is not being honored, is mind blowing, and really hurts the consumer.
|
| 08/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
As a federally protected consumer, I am making this complaint against MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, for committing identity theft. I have never given MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP any right to collect on this alleged debt.
I have never received any documentation requesting validation from MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. MIDLAND CREDIT MANAGEMENT INC. / ENCORE CAPITAL CREDIT GROUP shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX requesting payment for {$1100.00}. I didn't know this until I saw a negative report on my credit ( My credit Report Attached as evidence ). I sent a letter of dispute after I finally received a letter from them according to the Fair Credit Reporting Section 609 9 ( a ) ( 1 ) ( A ), you are requested by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. I wanted to know what the debt was all about and to verify because their failure to positively verify the account has hurt my ability to obtain credit and caused financial hardship on my family and I, and as a result to I pay high interest.
I sent XXXX XXXX XXXX a letter requesting for verification of the debt on a certified mail which was received and signed for on XX/XX/XXXX at XXXX ( Proof of Mail attached ). It is a violation according to Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period on my credit report as " disputed ''.
XXXX XXXX XXXX never placed " disputed '' on my credit report after 30 days which is a violation of the law. They never responded to my dispute or investigated it. I called Midland when I didn't hear anything from them on the mail today on the phone on XX/XX/XXXX at XXXX, Central Standard time and spoke with XXXX XXXX on a recorded line phone number XXXX. I explained myself and asked questions about the alleged debt. She told me it doesn't matter whether a dispute was put on my credit or not, but that I owe the debt. She further told me they reported negative on my report once and even though they receive the dispute letter they have forgotten to update it and she is sorry for that because it was not her fault, but yet I still owe the debt. I asked if they can violate federal law and collect on a debt. She said " yes '' they could as long as it has my identity. I asked for documents on ways on which the alleged debt can be verified because I have never had any contract with XXXX XXXX XXXX. I asked if I have ever had any contractual obligation to pay a debt with a company in which an alleged debt has never been verified or sustained. She said " they bought the debt and as long as my name is there, then I have to pay. '' I asked for a bill of sale to show and know the terms of the sale, I asked for their right of Subrogation because I have never heard about such debt. she told me the FCRA forbids them sending bills of sale to consumer that the only documents they need to show is the name and the social. I inquire about the section of the FCDPA that forbids such so I can be more specific to which she declined further comment. I was shocked at the recklessness and uncivil manner in which this company operates. Then I asked if they are license to operate business in the state of Texas where I lived. She put me on hold and never responded to that question. She seems to suggest to me that the burden of proof lies on me. Meanwhile Midland had the burden to first prove the debt was owed and accurate before the consumer had to challenge it.
I asked her since XXXX XXXX XXXX is currently in violation of federal law can they still collect money on it in spite of the violation. She said, " yes. '' That really got me shocked. Please verify my story.
First, XXXX XXXX XXXX has violated federal law by not reporting or conducting the investigation on time and has hurt my ability to fairly obtain credit, and most times pay high interest for an unverified debt. I hereby request, based on the document presented that XXXX XXXX XXXX, delete my account and compensate me as required by law.
Second, I request that XXXX XXXX XXXXget familiar with the law and stop collection activity until they are trained as their staff is making a mess of federal law and misrepresenting.
Finally, I want every statement I have made, and all letters to be verified in a timely manner.
|
| 09/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a letter from my employer on XX/XX/XXXX that beginning XX/XX/XXXX my check would be garnished for a repayment of credit debt to Midland Funding LLC for $ XXXX Sherriff fee+ {$1.00} daily interest + {$12.00} disb fee. When I contacted them they informed me it was for a debt at XXXX XXXX opened in XXXX but would not give me the amount owed. I have never opened a credit card at XXXX and explained that I have never received any information from XXXX XXXX and they told me the last information that was sent to me was in XXXX. I never knew about this lawsuit and they obviously were sending it to the wrong address because she told me the account was opened in my name with my social security number and 4 payments were made towards this XXXX Credit Card from that address. I explained that it was definitely fraud because I have never owned a XXXX credit card and I do not know if this is something that my ex husband may have opened in my name because I was married back then. I can not prove this but I do not have an explanation. I also inquired why I never received notice from XXXX XXXX and all these years later they have chosen to sue me and garnish my wages for a debt that I never incurred and left without being paid. I was able to pull my credit report and XXXX is not on it and neither is Midland Funding. I am also working with XXXX XXXX for credit repair and I spoke to their fraud department and they saw nothing on my credit report for XXXX or Midland Bank. Midland Bank did not serve me with court papers and I was hospitalized on XX/XX/XXXX with XXXX and was sick for 3 months nearly died. I have no money to give this company for fraudulent activity because I am only working part time and was paid through XXXX fund for the time I was sick. I barely make enough to support my family and they are taking 25 % of my funds for an account I never knew existed. They have my name, old address on the XXXX Account, and my social security number but it was not me. I have paid off my credit cards and I am trying to fix my FICO scores. This does not even show up and the account is from XXXX. I tried to file a police report but they denied me because I couldn't show them proof of a XXXX account. I do not have a card, an account number, or credit report to show this is a debt I owe. Please help me because although it is in my name with my social security number and old address I would need help proving that it is not me. I asked Midland for banking information from which the account was paid but was unable to obtain that information. That would validate for me that my ex husband was the culprit because he would've had access to my debit card and check book. Midland Funding did not send me court information they just sent the court paperwork to my employer. I never knew that they intended to sue me and their claim of sending the mail in XXXX can not be proved because I never received any mail from them at all. I have lived at my current address since XXXX and moved away from my abusive husband and lived with my mother since XX/XX/XXXX. We attempted many times to get back together but the relationship was irreparable and we separated for good in XXXX and divorced after years of court appearances in XXXX. I am pleading that an investigation begin with Midland Funding because they are garnishing, y wages and never sent paperwork to my address informing me of this unlawful fraudulent crime. They sent it to my employer and possibly to the old address which was XXXX XXXX XXXX XXXX, XXXX XXXX my current address since XXXX is XXXX XXXX XXXX XXXX Ca XXXX and I am currently in forbearance due to XXXX. I am an XXXX XXXX at XXXX XXXX and have ben frontline worker since the beginning of XXXX, I caught the XXXX at work. Please assist me with this fraudulent credit card expenditure that I was not responsible for and had no knowledge of by XXXX or Midland Funding LLC who claim thy sent me a letter in XXXX when I spoke to them today XX/XX/XXXX.
|
| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Recently I tried to see if an old XXXX XXXX account could be settled. The debt was for {$24000.00} on a real estate transaction where my former partner was supposed to pay off the debt. The real estate transaction was a XXXX across the board. However, last week on XX/XX/2021 I called XXXX XXXX to settle the debt. I was told that the collection was being handled by Midland Credit Management , Inc. For the record, I was never in receipt of any notice by phone or by mail that this national collection agency was in charge of the XXXX XXXX XXXX. My call to Midland Credit Management was productive until a supervisor by the name of XXXX got on the phone. Midland plays a good cop, bad cop aggressive negotiation process that is highly illegal. Recently, Midland Credit Management paid a $ XXXX fine to the Consumer Financial Protection Bureau for excessive Fair Debt Collection Practices Act violations and Fair Credit Reporting Act violations. On the XX/XX/2021 call wee came to a settlement of {$11000.00} on the {$24000.00} debt. I stated that I could clear that settlement on XX/XX/2021. I was told by the supervisor XXXX that if the account is not settled by XX/XX/2021, that XXXX XXXX is calling the collection back, and that MCM would be out of the equation. I stayed adamant that I could not clear the payment until XX/XX/2021, and we ended the call.
ALL CALLS ARE RECORDED!!!
Today, XX/XX/2021 MCM called me again, this time with a different agent for MCM. Once again, I kept to my position that I could not honor the payment until XX/XX/2021. I was strong in my position that I could not pay the settlement until that date. Once again, XXXX representative stated that this was the last day the deal could be procured. I was told the XXXX wanted to speak to me, and when he got on the phone he stated that he was listening in on the call all along. This is a felony under Massachusetts Eavesdropping laws. I was then told that if the settlement payment was not made today, that the full amount was now due. This was a form of extortion that MCM is known for.
All phone conversations were recorded and will lock my position that XXXX XXXX has stooped to the lowest form of debt collection. They hired a company that will use eavesdropping violations and extortion without discrimination. I will now hire a lawyer to file an action against XXXX XXXX and Midland Credit Management. I demand that the debt be forgiven completely for these federal and state legal violations. I did not ever give my consent for my conversation to have a third party listening in.
Massachusetts Recording Law Note : This page covers information specific to Massachusetts. For general information concerning the use of recording devices see the Recording Phone Calls, Conversations, Meetings and Hearings section of this guide.
For additional information about engaging in journalism in the Commonwealth of Massachusetts, please see our printable PDF guide Newsgathering in Massachusetts, co-produced with the XXXX XXXX XXXX XXXX XXXX.
Massachusetts Wiretapping Law Massachusetts 's wiretapping law often referred to is a " two-party consent '' law. More accurately, Massachusetts makes it a crime to secretly record a conversation, whether the conversation is in-person or taking place by telephone or another medium. See XXXX. XXXX XXXX ch. XXXX, XXXX. Accordingly, if you are operating in Massachusetts, you should always inform all parties to a telephone call or conversation that you are recording, unless it is absolutely clear to everyone involved that you are recording ( i.e., the recording is not " secret '' ). Under Massachusetts 's wiretapping law, if a party to a conversation is aware that you are recording and does not want to be recorded, it is up to that person to leave the conversation.
XXXX XXXX must eliminate the {$24000.00} debt service permanently. The account is a corporate account and should have never been presented on my personal credit report.
XXXX XXXX
|
| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an old account through XXXX XXXX that was sent to collection and eventually purchased by the debt collection agency Midland Credit Management. The original amount of the debt was {$1500.00}. By the time MCM had the account they were trying to force me into paying upwards of $ 2800.00+. They hounded me FOR YEARS. Repeatedly I asked them to negotiate a lower amount or to quit harassing me. At the peak they probably called me 75-100 times a week!!
Eventually in XX/XX/2019 a collection agent by the name of XXXX XXXX was willing to negotiate. MCM offered me a one time deal supposedly oF 40 % off the {$2800.00} they had been trying to collect unfairly for years. By this point my FICO score was pretty much ruined, but rather than file for bankruptcy ... I WANTED to pay for my past debts. XXXX XXXX promised me that if I paid the agreed upon amount, MCM would send me a PAID letter and DELETE the info off of ALL 3 of the CRAs. So on Friday XX/XX/2019 I authorized a bank drank /eft in the amount of {$1700.00} to MCM. I had documentation of XXXX XXXX promises as well as copies of the eft transaction once it cleared my credit union. However, MCM never sent me the promised PAID IN FULL letter. In fact since XX/XX/2019 they have continued to harass and threaten me.
Over a month after the agreed upon payment of {$1700.00} MCM was STILL REPORTING my collection account was open and unpaid to all 3 CRAs. Those being XXXX, XXXX XXXX, and XXXX. I disputed this with all 3 CRAs. After which Midland threatened me verbally that the deal we made was off. The various collection agents asked me if I could prove I had paid MCM or that I had enough money in my account to even make the payment. Because they supposedly had no record of my payment. Or even knew where the money went?!?! They also told me because of my CRA disputes that 40 % off settlement deal was null and void and I now owed the full $ 2800+ again.
Within 2-3 weeks of my online disputes where I provided substantial proof of all the above stated transactions, names, receipts, and dates both XXXX and XXXX XXXX deleted the incorrect information from my individual credit reports. XXXX however has been another uphill battle. At least two separate times they have deleted the incorrect info from MCM only to add it back on! I have emailed & sent certified documentation to them to validate all of my above claims. I have spent hours on the phone being harassed yet again by THE EMPLOYEES OF XXXX!! The mailing address for XXXX is in GEORGIA, I believe. But I think the call center is routed through the XXXX? Because the phone agents all sound like they are speaking to you from a script and are incapable of holding a conversation in ENGLISH that deviates in any way from their prepared statements. On at least 2 separate occasions they have refused me the opportunity to speak to a supervisor and one phone agent kept me on hold / answering questions to verify my identity and THEN disconnected the call!
I have read the complaints online about the data breaches involving XXXX. Of which I am sure my info is probably part of. It is my sincerest hope that the FTC can help me in my quest to endeavor XXXX to do their jobs correctly. I have supplied my supporting documents to XXXX over and over and over. Even now my info is being disputed AGAIN with MCM because in XX/XX/XXXX XXXX deleted the incorrect information. And then in late XX/XX/XXXX ADDED the incorrect information from MCM BACK on to my XXXX credit file. The MCM account is still listed as Open as of late XX/XX/2019, when in fact it was Paid per our agreement on Friday XX/XX/2019! Please hold both MCM / XXXX accountable ... the way they have held so many Americans hostage with their predatory and illegal practices. Only please be better than them. Do your job better than these 2 companies. Thank you in advance for reading all this. I have any / all copies of supporting documents to provide proof if need be.
Sincerely, XXXX XXXX
|
| 09/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
I have also filed complaint with south Dakota states attorney.
This in regards to a debt collector that has been threatening to sue me for 6 plus months now, on a old debt they purchased from orgional owner.
they have been sending me papers looking like court papers, but never furnish court date that I keep requesting. they just keep asking me to call them directly.
I have responded to them via their email litigation address provided, and told them I would not discuss by phone, only by written ( email ) communication so that there was proof of discussion.
they refuse to respond back thou they have received emails, they just send me another court looking paper requesting that I only call them.
the last papers they sent, they called it a interrogatories and request for production, I did respond, again by email, which they received, then heard nothing back for a couple more months.
now I received from them motion for summary judgement, with a case number, but again, no court date like I keep requesting.
I contacted my local courthouse, they confirmed the file number, and informed me that I was supposed to actually have sent my previous reply directly to the court.
I was not aware of this because the collection office told me to send to them.
so now I 'm finding from court house that I may be to late to file my rebuttal and the collection agency can have judge sign their judgement at any time.
made worse, is that in their motion for judgement now, they are claiming they have never heard from me, which they have, that they have no proof I ever made any payments to orgional debt, which I have, and they know it, as in previous letters, they have admitted to my payment amounts.
they refuse to reply to my emails, yet got ahold of my wifes phone number and repeatedly call her number, which she is n't even on the debt, its only in my name. they never leave messages, just keep calling, even with being told I will only discuss by written form, not over the phone.
the local court house was even surprised the collector has been dragging this out since XXXX.
The collector orgionally sent me a settlement offer months before, around XXXX time frame, of which somehow got tossed, I have repeatedly requested that same settlement offer, but they again refuse, saying only to call them.
Ive repeatedly requested a payment plan with that orrgional offer, as finances are limited with a child to raise, and a wife who has is undergoing XXXX for a XXXX and can not work, again, ignored.
ive been trying for over 6 months to work this out with them, and now fear they are going to back door me on a judgement that will cost me not only my credit score, of which is now in good standing because all my current bills are paid on time, but will also cost me ability to provide for my family if the whole amount of money is taken at once.
I feel by ignoring me all this time in my atrempts to reach a settlement on this old debt, tyet constantly threating to sue me, and by calling my wifes phone many times, they are in fact harassing me.
I feel as if I 'm in a losing situation now because they did n't tell the truth on who I was actually supposed to send my response back to, which leads them to be able to tell judge I did n't comply, and makes it appear that I 'm not trying, as well as lying to courts about payments I actually did make and that which they acknowledged, will cause a judgement default unfairly.
I have looked this collector up online, and see this is a common practice for them, and its not fair.
I do have the emails I sent them as well as attached copies of their papers requesting my response, but cant figure out how to attach to this, as well as I can take screen shots of my wifes caller id to show their name and the dates of them calling her.
but seems I can only forward by email, as I cant seem to save to a file and attach to this complaint, but if you need them, I can email if provided a email address.
thank you
|
| 08/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern : 1. XXXX XXXX XXXX. Midland Funding LLC 3. XXXX XXXXXXXX XXXX Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Best Regards XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
|
| 12/15/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
I am fraudulently being sued in XXXX courts by the same company known as " Midland Funding LLC. I believe they have violated the Fair Debt Collection Practice Act, both State and Federal Debt Collection Practices Laws, has acted in countless Frivolous Collection Attempts, and committed tremendous FRAUD with their XXXX fraudulent lawsuits that they have submitted XXXX Cases against me and their prior harassment as detailed below and which I can provide proof : 1 ) They have no rights to these XXXX cases or claims that they have purchased these XXXX debts from any company and the dollar amounts they claimed are fraudulent.
2 ) I am not responsible for these XXXX debts and XXXX are fraudulent debts that they have reported as them being the new debt owners of.
3 ) They have inflated these debts with tremendous additional charges and fees they have just added from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims from any original debt amounts.
4 ) I do n't believe they legally purchased any of these debts and have no proof of their ownership of these debts. These debt amounts are made up.
5 ) I believe that the XXXX XXXX XXXX XXXX Affidavits they submitted to the XXXX XXXX XXXX XXXX different Courts and that are signed by their so called " employees '' were computer generated and are fraudulent and the persons who signed these Affidavits on their behalf have absolutely no knowledge of what they signed if they are real people at all. Part of their " Robo-signing '' of Affidavits in Michigan and throughout the United States.
6 ) Their personnel have harassed me and my family repeatedly with constant harassing phone calls which I asked them to provide proof of their own phone records in " Court records requests '' and they refused to provide records of.
7 ) Their countless phone calls over the years to my phone and to the phones of my family they have refused to state who they were, what company they were representing, and the reason they were calling. When I asked for all of their phone records to our own phones in Court request of their documents and their records they also refused to provide these records.
FRAUDULENT DOCUMENTS : 8 ) They never served me legal documents, ( XXXX ) " Seizures for Property '', XXXX ( XXXX ) " Seizures for Property '', ( XXXX ) " Writs of Garnishments-Income Taxes '', " Notice of Judgment Lien Filed " but then submitted fraudulent " Proofs of Services '' that the Summons and Complaint and all documents were Personally Served to me, which they were not, they received Default Judgments on documents never served upon me. They lie on their court documents.
9 ) I have proof that Midland Funding LLC submits fraudulent Proofs of Services to the Court many times that I was served and then does not send me the documents until many months later that they claimed were served many months prior. I have the post dates of their delayed mail envelopes to show this fraud that they have done with the Court. These people are professional scam artists and they need to be stopped. They fraudulently claim on court documents that the Defendant has been served, even though he has not been, so that the Defendant ( me ) can not Defend himself, they get a Default Judgment because the Defendant is unaware of court documents and court dates, and then they send the original documents many months later in the mail after everything has been settled already in court under default.
10 ) The XXXX XXXX Courts have stopped all Lawsuits filed and currently open in their own Courts by Midland Funding LLC and the they filed an " Emergency Ex-Parte Motion that same day for a Summary Disposition '' in their lawsuit against me to get an immediate Judgment against me which the Judge denied. Midland Funding are Scam Artists that steal money and must be stopped as well as their attorney ( XXXX Law Firm ). Crooks.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
MIDLAND CREDIT you are furnishing inaccurate information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 S-2 says YOU ; MIDLAND CREDIT , are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. Cease and desist the reporting of incorrect/inaccurate information immediately.
15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on notice that you are furnishing incorrect/inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
Send me my FORM 1099-C which you should have sent to me when you filed this account as a canceled debt.
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In Conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this information is a clear violation of Law 15 U.S. Code 1681 S-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report You have 10 calendar days to delete this account from my consumer reports!
MIDLANDCRE ACCT XXXX XXXX
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2023 I sent 3 letters via USPS certified to Midland Credit Management to cease and desist communication. Each letter consist of the following : NOTICE OF DISPUTE To : Midland Credit Management Inc., I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading.
This is a warning! You have violated my rights as a consumer and if you do not cease all collection activities and request for this account to be deleted from my consumer report, i will commence a civil action against your company, in the United States district court.
Sincerely, XXXX XXXX As of today, XX/XX/XXXX I received additional communication from Midland Credit Management in regards to a debt that I am not aware of. According to 15 USC 1692b When a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that The collection effort is being stopped. Certain specified remedies ordinarily invoked may be pursued or, if appropriate, that a specific remedy will be pursued. Mailed notices from the consumer are official when they are received by the debt collector. Also, according to 15 USC1692g The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, the following information must be sent to the consumer in written form, The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information.
If, within the 30-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
According to the FDCPA laws, as a consumer my rights are being violated by Midland Credit Management.
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021, I filed a complaint with the CFPB case id # XXXX against XXXX for allowing Midland Funding LLC to report on my credit report more often than allowed. XXXX 's 3 agents I spoke with agreed Midland had violated reporting practices but XXXX would not take action. So I filed a complaint. XXXX after the fact did an investigation into the matter and contacted Midland Funding, their client, who responded with retaliatory actions to all 3 reporting agencies especially XXXX and XXXX. Reporting false information that caused my XXXX score to drop 17 points. By changing the amount owed to a dollar higher than days later changing it back to the originally reported amount and then adding comments they were FRCA compliant and that I had disputed the accounts with Midland. These actions happened within a few days of the closing of the CFPB complaint and continued into XX/XX/2021. I called Midland on a consented recorded call and informed them I knew my rights and their reporting practices and retaliation practices were not FCRA compliant. In fact their violations of the FCRA. Midland has reported the account as new in collection twice within a week 's time. In retaliation for filing a complaint against XXXX questioning Midlands unconscionable reporting practices, they made a conscious effort to further damage my credit score by reporting false information via the amount and then changing it back within days to the original amount with reporting agencies erasing their tracks all to further damage my credit report. Basically just to show me they can without consequences from reporting agencies.
After the CFPB closed my complaint XXXX continued an " investigation '' into the complaint in a week or so time concluded the investigation state in an email and written letter they had updated the information. When I logged on to check the information the amount had increased by {$1.00}. Then days later I get a notification through XXXX XXXX that my XXXX report had changed due to activity on the Midland Funding, LLC account. When I checked my XXXX report the amount had been increased by {$1.00} and comments had been added by Midland that I disputed the account and my XXXX credit score dropped 17 points as a result. With XXXX, the amount did not change but comments were added by Midland that I disputed the account with Midland and their reporting met FCRA requirements. Days after that I received another email from XXXX XXXX that the amount alleged owed to Midland had decreased. When I checked my XXXX report the amount allegedly owed had decreased by {$1.00} but the credit score remained the same and has not gone up since.
First I have never disputed the account that Midland has reported on my credit report to date ... [ That is subject
to change ] ... to Midland or anyone else. I disputed XXXX 's actions to refrain from allowing their client to abuse their system. To XXXX and to the CFPB, never to Midland have I filed a complaint until now or a dispute of the account reported on my credit report to date.
Midlands actions towards the account and the way it was reported repeatedly over a few weeks after being contacted by XXXX was retaliatory and unconscionable. It caused great physical and emotional distress and other factors such as I had an application filed with the SBA for a COVID relief grant and the SBA checks credit scores. Scores Midland tampered with mean spiritedly intentional actions to cause a negative impact by reporting knowingly false information. In my consented recorded phone conversation the Midland agent had no response and said he would pass along the information to the department that does the credit reporting.
After XXXX reported a {$1.00} increase [ which has also been decreased by {$1.00} days later ], they would not allow me to dispute the increase since I had filed a previous dispute over the way XXXX handled the matter with Midland.
|
| 04/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My complaint is with Midland Credit Management based out of XXXX XXXX, CA.
I have been harassed with phone calls from various phone numbers since XX/XX/XXXX of this year. I placed myself on the do not call list in XX/XX/XXXX and still receive calls.
Some calls are robocalls that leave voice mails regarding student debt consolidation ( I have never taken out a student loan in my life ). Others are humans leaving messages about loan consolidation ( I have no outstanding loans ). Most of the time, they just ring and don't leave a message when I don't answer. When I do answer, if I hear it is a robot I hang up and block the number, but they seem to have an infinite amount of fake numbers to use to call and harass me.
The phone numbers they are using come from all over the US : FL, MI, IL, CA, TX, NY, NJ .... etc, etc. They are literally calling from ALL OVER THE USA. I receive on average, 8-10 of these calls a day. All different numbers, all different cities. When I call any of the numbers back, I either get a busy signal, a message saying that this number is not in service, or an immediate robocall from that number back to my phone.
Today, I received another call from a XXXX XXXX number that had been calling me all weekend and decided to pick up. It was a human ( XXXX accent ) who was attempting to verify my name. I refused to verify my name until I was told why I was being called. He would not give me any information and continued to aggressively demand that I tell him who I was and that I was being recorded. I told him to XXXX XXXX and take me off his call list.
Then I called the number back. I got placed on hold and found out it was Midland Credit Management by their on hold recording. I asked the man ( XXXX guy again ) who answered why they were calling me, but he refused to tell me anything until I would verify that I was me. I refused to verify my name and told him they have the wrong number and wrong person because I have no outstanding debt. I told him to take me off of their list, then he proceeded to start asking me more questions and I told him to XXXX XXXX and hung up again.
Any old, unpaid debt I could even possibly ( even accidentally ) have had would have been resolved well over the 4-year statute of limitations in the state of CA. I haven't used any form of credit or taken out any loans since 2014 ( I was in an anti big bank phase ). I just got my first new credit cards and started using credit again last year- in fact, just before these calls began. My credit score is excellent with no outstanding debts.
I do not know whose debt or what debt they are trying to collect from me because I XXXX the company after the call and found out how many shady dealings they have had over the years. I am hesitant to discuss anything further with them without legal counsel.
I am concerned, based upon the horror stories I have read online thus far, that they will continue to take further action against me and ruin my credit as a result.
Also, I am concerned that they are either using fake phone numbers to trick or scam people or they are selling people 's phone numbers to scammers. I don't think it's a coincidence that all of this happened at the same time.
Who else are they doing this to? There are over 495 complaints listed about them ON YOUR SITE ALONE!!! This is clearly business as usual for them and citizens should be protected! Consider the elderly and less educated people they are harassing and taking advantage of! They must be stopped!!!
How does this company still exist and how can they be continuing to behave in this manner when they have already been sued, found guilty, and fined by you and various other organizations?
I appreciate what you have done and are doing, but clearly, stronger actions need to be taken to ensure the safety and protection of our citizens.
This company and companies like them are the scum of the earth.
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY MIDLAND CREDIT PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRASACTION I HAVE KNOW CONTRACT OR AGREEMENT WITH MIDLAND FINANCE THIS IS 15 U.S. Code 1692e.False or misleading representations USC 15 NOTES A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
( XXXX XXXX XXXX, title XXXX, XXXX, as added XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended XXXX XXXX XXXX, XXXX. XXXX, title XXXX, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
|
| 06/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX and Midland Funding XXXX & Midland Funding has been harassing me for years. When I lost my job in XX/XX/XXXX, I made payment arrangement with everyone except XXXX XXXX and XXXX. Because XXXX XXXX and XXXX refused to make any payment arrangements. XXXX XXXX and their lender XXXX refused to make payment arrangements or even discussed making payment arrangements. After two months they sent me to a collection agency. I tried to contact their leadership ( XXXX XXXX and XXXX ) and they either refused to help or advised they could not help. I owed them {$1700.00}. I told them I am not trying to skip my obligations, but I need more time and can not make the minimum payment.
All my other debt has been paid off except my mortgage and a home equity loan. However, both are current and in good standing. I owed XXXX Mastercard {$9000.00} & XXXX Visa {$11000.00}. Both are paid off. It took years, but I did it! Why would I ignore {$1700.00}? The harassing calls started quick and the original amount almost doubled to where it is now over {$4000.00}. At first, I answered the calls and say I will pay them back the {$1700.00}. Initially, I offered {$50.00} per month and later {$100.00} but they wanted {$3500.00} now in cash which I did not have. The calls were virtually seven days a week.
We went to remediation in XX/XX/XXXX-XX/XX/XXXX timeframe and the XX/XX/XXXX representative refused to adjust their amount to the original debt. In Spring XX/XX/XXXX there was court date, but the bailiff would not allow me to enter because he said I was late. Everything was done without my presence. I did an amendment and met with XXXX & Midland Funding representative and Judge XXXX in XX/XX/XXXX/XX/XX/XXXX. I explained the situation and offer the same {$1700.00} original debt and pay them {$100.00} per month until paid I offered to other XXXX & Midland Funding representatives.
The XXXX & Midland Funding representative and Judge XXXX said it sound reasonable to them but she nor him could not make a final decision until she presented the offer to XXXX & Midland Funding. I offered to make a good faith payment then and there and start making payments in XX/XX/XXXX. I was advised by both to hold on until the representative presented the offer to XXXX & Midland Funding and XXXX & Midland Funding will mail me the payment information. Which they, XXXX & Midland Funding, never did. If they would have the {$1700.00} would have been paid by now. I received no mailings from them until this week. When they sent me notice about garnishing my wages after the fact.
At this point I can not afford garnishment nor {$100.00} per month. I will like to offer {$50.00} per month until the debt of {$1700.00} is paid off in 34 months. I am a woman of my word. I would prefer to pay XXXX XXXX or even XXXX this money, however, for them to send me to collection agency after two months speak ill of both organizations.
They have contacted my former employer XXXX XXXX and have made repeated phone calls to my home number. However, they have been no mail communications which I was expecting since Spring of XX/XX/XXXX and that was to advised they would do a phone with the XX/XX/XXXX/XX/XX/XXXX meeting with Judge XXXX!
Since then, I have received communications from XXXX XXXX XXXX XXXX XXXX XXXX I received a letter-Monday, XX/XX/XXXX stating that they would garnish my paycheck by 25 %, however, they were already doing it. They contacted my employer, XX/XX/XXXX to initiate garnishment. No prior notifications.
On Friday, XX/XX/XXXX, I received a letter they are asking for {$4200.00}. I spoke to their representative XXXX XXXX on Friday too, around XXXX XXXX Eastern. In addition, I have another court date, XX/XX/XXXX in Judge XXXX 's office. XXXX XXXX XXXX are requesting pay-stubs, bank statements and tax records from XX/XX/XXXX-XX/XX/XXXX too.
Thank you, Ms. XXXX XXXX
|
| 01/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Response to XXXX First, MCM needed more time to complete the investigation. Thats funny. Claiming res ipsa loquitur while presenting XXXX fraudulent bill and ignoring all the other facts in the case isnt an investigation. Its a giant waste of time and a joke, at best.
Second, I have not hired an attorney yet. Ive been waiting for your response. I thought you might actually do the right thing, but its clear youd rather play games for profit at my expense than address reality. If you continue with this scam though the next step will be a call from the state attorney general.
Third, you got the account information correct, but the charged-off amount of {$430.00} is wrong. The underlying charge is fraudulent, and all the interest incurred due to that underlying fraudulent charge is fraudulent. Ive repeatedly explained this as well. So, I dont owe MCM a anything. MCM will never see a dime from me.
Fourth, I understand the definition of charge-off, but the underlying promissory obligation is not valid, due, or owed. Once again, Im not obligated to MCM or XXXX because I did not promise to pay for the fraudulent charge. So, you can claim MCM has a right to repayment all they want, but it isnt true. Its a lie and a scam.
Fifth, this entire paragraph is lie. You did not reach out to the seller. The seller connected to the original charge was put out of business due to fraud. The domain host yanked their site and published the reason as fraud. I literally submitted evidence proving this as well. Ignoring it doesnt make it go away. Whats more, XXXX claimed res ipsa loquitur in regards to the original charge as well ; i.e., it exists, so it happened. Yet all XXXX did was verify that the seller got their money, nothing more. I submitted evidence showing XXXX didnt investigate the charge as well. So, once again, pretending it doesnt exist, doesnt make it go away. I am not responsible. XXXX is. PERIOD!!!
XXXX, once again, claiming res ipsa loquitur is not legitimate claim. It clearly does not apply in this case. XXXX and MCMs ignoring of the underlying facts does not make them go away either. It makes both XXXX and MCM liable for fraud.
XXXX, what are you talking about? The damage is already done. The scam XXXX ran has already trashed my credit score. MCM needs to conduct a LEGITIMATE investigate and right the wrongs XXXX and MCM has done. So, once again, the debt is NOT VAILD! You can keep repeating the lie all you want, but it doesnt make it true. And, once again, MCM, or anyone else ; for that matter, will never see a dime of my money in regards to this scam.
Eighth, MCM will address employee conduct. Thats laughable! MCM literally hires people like whats currently employed for reason. Theyre meant to frustrate the mark, and wear them down mentally and physically over time, so the mark eventually just gives in and pays. MCM, and the entire financial industry ; for that matter, does the same thing and its on purpose. Companies, and I say companies loosely, like XXXX and MCM are nothing more than legalized con men and extortionists.
Ninth, no one ever said I was the victim of identity theft. If MCM actually conducted an investigation theyd know that. XXXX literally verified a fraudulent charge, ran up fraudulent interest on the that charge then fraudulently sold the account the MCM while claiming the account as a right-off on their taxes.
Tenth, MCM considers consumer complaints a serious matter. Stop lying. If MCM considered consumer complaints to be a serious matter then MCM would actually conduct a legitimate investigation. But, they didnt, and they wont because it isnt in MCMs best interest. There is no profit in writing off mistakes. It would be counterproductive to the entire scam.
In closing, stop the XXXX do the right thing, quash the charge, and report the mistake to the credit reporting agencies.
|
| 05/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Soft pulled my credit report without permissible purpose, violation " FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The collection account was piad therefore removing midlands permissible purpose of obtaining my credit report Permissible purpose under FCRA 604 is only granted for the purpose of " collection on a debt. '' Once the debt is paid, there is no longer any debt upon which any collection activities can be conducted, including access to your credit report.
A dispute is a challenge of the accuracy of THEIR reporting to a CRA. There is no permissible purpose under any subsection f FCRA 604 for evaluation of a dispute.
It is their reporting that is at issue, not your history with other furnishers FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance As for only being a soft inquiry, that is really irrelevant.
They get the same full credit report as they would have if the inquiry had been hard, so the damage is the same. They received your personal information without your consent or without any permissible purpose. The fact that others wont see record of the inquiry when they pull your credit report is really immaterial to the fact that they have received your credit information illegally " FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' " FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a con-sumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predic-tors relating to the consumer FCRA 619 provides that " any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or bot
|
| 04/15/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I purchased a washer and dryer from XXXX XXXX in XX/XX/XXXX. The cost of the pair was over {$1100.00}, which qualified me to receive 0 % financing for 18 months. I did n't have my XXXX XXXX credit card with me at the time of purchase and the employee had to look it up in the system. He inadvertently ran the purchase through on my XXXX XXXX XXXX Visa credit card instead of my XXXX XXXX store card like he was instructed to. I noticed the mistake before leaving the store, and voiced my concerns because I used the XXXX Visa card for daily purchases and paid it off at the end of each month and did not want it to get confused with the extended financing option. He assured me it would n't be a problem, that all payments would be applied to the higher interest balance first and then any remaining monies would go towards the zero percent balance.
I was weary, but the store was about to close and he was persistent, so we let it go and left. The washer and dryer was delivered the following week and when my credit card statement arrived, the regular balance for that month was around {$1200.00}. So I made a payment for like {$1200.00} to pay off the regular balance, and put {$50.00} towards the washer and dryer. Well, the following month when my statement came in the mail I noticed that I was charged an outrageous amount for finance fees, which should have been XXXX because I paid off my regular balance.
Here what they did was took my payment and put it against the entire balance for the washer and dryer wiping out my zero percent interest, leaving like {$100.00} left to go towards the regular balance.
I immediately called customer service and complained, they agreed to fix it. It took two months for the zero percent financing to be put back on, but it was n't correct. They had the wrong terms, the wrong amounts. They did n't reverse the finance fees correctly. They kept charging me finance fees. It was a complete mess. I ended up calling customer service more than 15 times in that year trying to straighten it out. I eventually just gave up and stopped using the Reward Zone card completely, I calculated exactly what the payments should have been with zero percent interest, and that is how much I paid each month. I ended up paying a little extra just to make sure they got their money, but when my husband had his XXXX in XX/XX/XXXX I had no more to give. It is not my fault that XXXX XXXX hires incompetent employees. I have explained in detail so many times exactly what they did wrong to so many people on their end and they all said they could see it and they were going to fix it and then they did n't or they still got it wrong. The {$660.00} that they say I still owe is all just finance fees with late fees on top of finance and late fees that I do not feel I should be responsible for paying. I mean, had they put it on the store card like I asked in the first place we would n't have had this problem in the first place, but even so who in their right mind would think someone wants to pay off a XXXX balance over one that 's billing at 23 % when they send in their payment?! That 's a freaking NO BRAINER!! I was told after the zero percent balance was wiped out that I should have specified which balance I was paying off ... why would I have given up my bonus reward points to get zero percent interest if I planned on paying it off in full the next month???? That 's so stupid. Seriously? These people are complete morons.
For as much stress as this has been, I seriously would have just paid the debt by now just to rid the stupidity from my life. That 's if I could have afforded it. Unfortunately unforeseen health issues between my husband and myself have us in a bit of a struggle and that 's not an option for us. Honestly, I take pride in paying my bills when they are my bills to pay. However, this one is not ours to pay.
|
| 01/17/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
On Wednesday XX/XX/XXXX I called XXXX XXXX XXXX to follow up on a settlement offer I submitted via their online portal. I had not received any return communication from the settlement offer I submitted and it had been about two weeks. I reached the after hours message line. I left a voicemail with my first and last name, why I was calling, and my return contact number. On Thursday XX/XX/XXXX, I missed a phone call from a representative with XXXX XXXX XXXX named XXXX. The voicemail that she left cut in and out so I was not able to retrieve the phone number or the extension number she provided for me to return her call. I returned the call by contacting the number on the that XXXX had called my cell phone on which was XXXX. I told the representative that came on the phone line who I was, and that I was returning a phone call that I missed from XXXX. She took my information, and then put me on a brief hold. When she returned back on the line she informed me that XXXX was not available but that she would try to help me. She claimed to have pulled my file up and reviewed the notes. She stated to me that the settlement offer and payment plan I had submitted was not acceptable and would not be accepted from XXXX XXXX XXXX. She stated that it was not acceptable because I was asking for a settlement offer that was only 50 % of the total amount of the debt and that XXXX XXXX XXXX does not accept settlement offers that low, as well that my offer of {$42.00} a month was not acceptable. She continued to say that she needed to go over some information with me to determine what the lowest payment plan they would accept was, and that I needed to complete a financial form but that she would go over it with on the phone. She asked me questions in regards to how much income I got each month, how much my rent was, how much I pay monthly lumped together for utilities, auto insurance payments, car payments, how much was left on my auto loan, and lumped together for what I am paying in other debt repayment plans I am currently in. I was not prepared for these questions and I disclosed that to her and when I was trying to take my time figuring out accurate numbers for her she got upset and rushed me. She then asked me about my fiance 's income, which I feel should not be considered or even taken into account because we are not married. She placed me on a hold again to process the information I had provided her and came back on the line. She told me when she came back on the line that the lowest amount based on the information I had provided her that the lowest payment amount that XXXX XXXX XXXX would accept on the file was $ XXXX/month. I tried to explain to her that there was no feasible way that I could afford $ XXXX/month and that I had attempted to set up a payment plan with Midland Management Credit the original debt holder via their online site to enter into a payment plan of 120 months which equaled out to {$33.00} a month but it must not have gone through when I submitted it online as the account had been transferred to XXXX XXXX XXXX. She would not let me even get that full sentence out before she very rudely interrupted and started to talk over me clearly stating " We are not Midland Credit , XXXX XXXX XXXX is a law firm, we do not have to offer you the same options they may have. '' I again tried to explain to her that I could not afford {$290.00} a month, that I am barely making it paycheck to paycheck as it is. She again proceeded to cut me off and talk over me saying " You can afford the {$290.00} a month based on the information you provided me, no payment has been made on this account since XX/XX/XXXX ''. She stated that if I did not pay the {$290.00} they would garnish my wages and take over {$500.00} of my check each paycheck until the debt was paid. That were also be added legal fees for taking it to court.
|
| 04/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court.
These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX
|
| 02/25/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I sent a XXXX letter to XXXX, it was for validation on XXXX debts which they are reporting on my credit report. I will attach the letter and the tracking certified mail with a return to sender postage. I feel that they have not validated anything and yet they still continue to report on his report inaccurate information and reporting non validated accounts.The violations of FDCPA i see are as follows : also reporting false and inaccurate information to credit bureaus on amounts owed as there is discrepancies between what they say He owe 's and what is seen in letters and the reporting on credit reports.
1 ) FDCPA 808 ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. On account - ORIGINAL CREDITOR : XXXX ACCOUNT # XXXX, MIDLAND ACCOUNT # XXXX the account was charged off with original creditor at a high balance of {$1000.00}. that is what is stated on his credit report from XXXX charge off and that is thee amount even they sent him as the final bill with XXXX. SO HOW IS IT NOW THEY WANT {$1200.00}? I SPECIFICALLY ASKED IN THE XXXX LETTER FOR A CONTRACT WHICH THEY OBVIOUSLY DO N'T HAVE!, SO THEY ARE ILLEGALLY ADDING FEES, OR CHARGES SINCE THEY DO N'T HAVE THE ORIGINAL CONTRACT BEARING HIS SIGNATURE.
2 ) THEY ARE A DEBT BUYER, NOT A COLLECTION COMPANY ACTING ON BEHALF OF THE XXXX. SO THEY ARE THE SOLE OWNERS OF THE DEBT YET THEY CLAIM ITS '' XXXX '' WHO IS RESPONDING TO HIS CLAIM OF VALIDITY ON DEBT. VIOLATION OFFDCPA807 ( 14 ) -The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
FDCPA 812 ( a ) & ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating./ ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.15 USC 1692k.
AND VIOLATION OF FDCPA 807 ( 9 ) - The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
3A ) FDCPA809 ( e ) Notice provisions. : The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.15 USC 1692i/ 3B ) violation ofFDCPA809- ( a ) Notice of debt ; contents -Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing, VIOLATION OFFDCPA809 ( 3 ) THIS IS THE 1ST COMMUNICATION ..FDCPA809 ( 3 ) .a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt
|
| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XXXX/XXXX/16 at XXXX, a male from Midland Credit Management ( MCM ) called my job, XXXX XXXX XXXX XXXX. He asked for XXXX and was transferred to another person with the same XXXX name. He disclosed the company that he was calling from and the reason for the call without verifying my ssn or dob. When asked for a callback number, he refused and instead just kept asking what was it that had got me to this place and why was I behind. XXXX hung up on him and gave me the # XXXX from the caller id on our phones.
On XXXX/XXXX/16 at XXXX I called XXXX, after speaking with XXXX XXXX I spoke to a male and asked for a manager who. He transferred me to XXXX who transferred me to XXXX XXXX, a manager. I advised XXXX of what had transpired with the previous call with the lack of verification and disclosure to a 3rd party. He stated that this was in the past and that we needed to move forward, refusing to address this issue in any other way throughout the call. He stated that I had a balance with XXXX of {$6700.00} and I advised him that was incorrect. He stated the last payment information and I told him again that this amount was wrong. I offered to settle the account for {$1300.00} or {$1300.00}, the amount that I knew I owed. He said that was unacceptable and the settlement offer would be {$5400.00}. I said that he balance was wrong and I was not going to pay that balance. When he said I could do payments on the balance, I told him that I was not going to make payments on a balance that was incorrect. He kept asking why I was in this position and what happened. After not getting anywhere with him for 15 minutes on a resolution, I stated that I was verbally requesting verification of debt on the account. Once I received that I would move forward and contact them and then I terminated the call.
On XXXX/XXXX/16 at XXXX I received a call at my job from MCM XXXX after I had already verbally requested verification of the debt on XXXX/XXXX/16. It was XXXX XXXX, XXXX ext XXXX. I advised him of my prior contact with MCM and that he was in violation of CFPB and FDCPA laws because I had not received the requested documentation. I requested removal of my poe # and that I did not want anymore phone calls there and ended the call.
On XXXX/XXXX/16 or XXXX/XXXX/16 between XXXX and XXXX a call was placed to my job asking for me from MCM, XXXX. They were advised that I was not available and the call ended. 1 hour later XXXX XXXX, XXXX ext XXXX called. He asked for a manager and spoke with XXXX XXXX, who advised him that I could not receive personal calls at work and ended the call.
In summary, I received notification of this debt on XXXX/XXXX/16 via mail and spoke with a manager on XXXX/XXXX/16 at XXXX by the name of XXXX XXXX XXXX I then verbally requested VOD, with a breakdown of the charges. I also informed him of the disclosure to a 3rd party regarding myself in the prior call. He refused to address the issue and would only state that that was in the past and we need to move forward.
After XXXX/XXXX/16, I should not have received any communication from MCM until verification was sent out and received. I have a total of 15 calls to my cell XXXX, after XXXX/XXXX/16, with 4 calls on XXXX/XXXX/16 and XXXX/XXXX/16 each. Further, I received XXXX calls at my job after VOD was requested. On XXXX/XXXX/16 I advised MCM not to call my job again and received 2 more calls on XXXX/XXXX/16 or XXXX/XXXX/16.
This company has harassed me since purchasing the debt from XXXX. There was a disclosure to a 3rd party, no verification of the debt sent or received, 15 calls to my cell phone XXXX after VOD requested, with 4 calls each on XXXX/XXXX/16 and XXXX/XXXX/16. There was 3 calls to my job after VOD requested, with XXXX coming after requesting no more poe calls. They also attempted to embarrass me by speaking with management.
|
| 02/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I was notified on XXXX/XXXX/XXXX that I could settle a debt with MCM prior to claim going to the IL court system for decision. The instructions stated that I could set up a plan on a reduced schedule. I made numerous attempts to reach a reliable MCM rep, but each time I was dismissed and told to call back another time. On XXXX/XXXX/XXXX, I spoke to Rep # XXXX whose name I failed to record. She informed me that I needed to speak to an attorney/paralegal and to call back another time. On XXXX/XXXX/XXXX, I spoke to XXXX. She informed me that I needed to speak to an legal and to call back another time. On XXXX/XXXX/XXXX, I called MCM and left a voicemail. This message was never returned. On XXXX/XXXX/XXXX, I called MCM on 3 separate occasions. I spoke to XXXX, XXXX, and finally XXXX. All XXXX reps told me I needed to speak to legal and to call back another time. XXXX informed me that if had I called a few days earlier, his would have been able to assist me because the claim was going to court the following morning. I informed him that I had called on multiple occasions, and he claimed he only had record of my calls on XXXX and XXXX. This implies that MCM willfully omitted consumer records from their system and is an admission of MCM dismissing the voicemail I left on XXXX. XXXX was also deceptive about the location of the call center and acknowledged that representatives use false names to identify themselves to consumers.
I filed a complaint with the BBB on XXXX/XXXX/XXXX ( ID XXXX ). I received a response from MCM 's legal department, XXXX XXXX, who claimed to only have records of my calls on XXXX. This is another example of MCM using deceptive tactics, as XXXX and the legal rep have provided contradictory information. XXXX XXXX stated that my claim was assigned directly to another rep, XXXX XXXX, and provided her direct line. Again, I have made multiple attempts to contact XXXX XXXX directly, leaving my last voicemail on XXXX/XXXX/XXXX at XXXX CT. I still have never heard back from her, nor any other MCM representative, outside of the BBB complaint.
The only response I have ever received from MCM is through the complaint I filed with the BBB. They have responded directly to the BBB every single time ; however, they continue to dismiss my personal attempts to reach out directly to them. It 's now been over 2 months since I began making attempts to speak to a reliable representative of MCM. Why is the only response I 'm receiving from MCM in regards to my BBB complaint? That speaks volumes to the visibility they want to exhibit in front of government entities compared to the actual consumer experience they provide.
Through their deceptive tactics, MCM has successfully taken my claim to court, despite my attempts to resolve it. MCM continues to put me at risk with my financial institution and employer, with the potential for wage garnishment and account freezes. MCM the potential to defame my position with my employer through contact. They have been deceptive by omitting entire telephone calls and conversations, as well as failing to direct me to the appropriate parties to close out the issue. Finally, they have been deceptive in their representation to their location and the names of their call center representatives.
It is crucial their unethical business practices and failures be investigated to prevent similar issues with other consumers. I am actively XXXX, of which I spent a total of nearly 24 months in XXXX, so I have many debts to settle. I have spent so much time trying to settle these amounts with MCM, with no response, while other agencies have handled my accounts swiftly and with satisfactory customer service. Again, it speaks volumes to MCM 's character and deceptive practices, when the only way to receive a direct response is to file a complaint under the FDCPA.
|
| 06/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This Complaint is being brought against Asset Acceptance ( AA ), for knowingly, falsely and repeatedly collecting and then electronically submitting AA collection Accounts on all Majors Consumer Credit Reports as Open Non Revolving, Installment and Revolving Trade line 's consumers opened with them, as Credit Grantors.
Asset Acceptance ( AA ) is a Debt Collection Agency, who brought a debt from XXXX XXXX XXXX, of which I owed money to. AA and I went to court, and I agreed an paid in full, the actual balance due XXXX, {$560.00}.
AA reported this debt to all XXXX CRA 's starting in XX/XX/XXXX.
Because this impacted my XXXX Score in such a harmful manner, I did not attempt to apply for any credit until XX/XX/XXXX, when I felt the impact had subsided enough. When I would get a rejection notice, for credit cards, auto refinance etc - I assumed that the statement " Major Delinquency on your report '' meant the fact that I had a then XXXX year old, paid collection on my report.
I ordered copies of my credit report over the past few months, and in all XXXX CRA 's, there was a Payment history - for a collection account. Because I know that this is impossible, I sent disputes repeatedly to all CRA 's, asking that they verify my accounts with XXXX and then AA. The last verification actually wiped out the history - and instead inserted a " C '' ( Collection Flag ) XX/XX/XXXX.
That prompted me to really look at what this account was doing - The account is an account with a Debt Collector, not a credit grantor yet -- - AA inserted this record into my Credit Reports as if they were a credit grantor.
And then - Reported a " C '' COLLECTION ( XX/XX/XXXX ) on an account that based on notes in the CRA 's system, say closed - but actually are n't? How is this possible?
This has been on my file for 4 years now, with falsified dates and account data.
1. The Debt Collection Account is listed as an OTHER Account on XXXX, and as CREDIT Accounts XXXX/XXXX. Is not visible under the collection accounts, on any reportsb. Shows in the negative section - because of the Collection Pay Statusc. Has NO date closed Dated. Is Reporting as a Credit Account - not a collection accounte. Reports itself as an OPEN TYPE Line of Credit ( purposed for XXXX - XXXX, etc ) of which this account is notf. Uses the Date Opened date of their debt purchase, to make this account appear more currentg. Uses the First Delinquency Date, to store the debt purchase Date, to make this account appear more currenth. Uses Creditor Classification - of Retailer, even though they are a debt collector AND my account with XXXX was NOT retail.
i. Because of the way this is reporting, it appears as though I have : i. An Open : Non Revolving, Retail Credit Line with AAii. That has been in Collections since XX/XX/XXXXiii. Reported as a new COLLECTION Account in XX/XX/XXXX.
iv. I did not Pay in Full, when court documents in fact say I didv. All while they can not legally extend any form of credit, or - Report themselves as doing so.
vi. This AA Account, is causing me to be rejected for credit, and numerous other problems including being forced to pay higher fees, and rates when dealing with credit grantors.
vii. I have NO Other Collection AccountsI honestly believe the CRA 's are aware of Debt Collection Agencies masquerading as Credit Grantors, as the files that are submitted to them, do little to verify or weed out such activity. XXXX, a software application used by many collectors - allows DCA 's to simply select a check box- and self-identify as a Credit Grantor, thus allowing these DCA 's to insert data to massage collection account into becoming retail accounts and in the attempt to have the most impact possible on a consumers score.
This agency should not only look at my complaint - but the files of all consumers with AA issues.
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
This is to inform you that I 've recently received my credit report and noticed that there 's STILL a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XX/XX/XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX XXXX XXXX ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? Please provide this mailing address : In addition, please provide the name of agent to whom your documents submitted.
Therefore, I request the FTC investigate these issues.
Please Investigate : XXXX XXXX and Asset Acceptance are misrepresenting that XXXX XXXX XXXX, consumer owe a debt when it has not substantiate its representations ; XXXX XXXX and Asset Acceptance are- failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; XXXX XXXX and Asset Acceptance is -providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; XXXX XXXX and Asset Acceptance is -failing to notify consumers in writing that it provided negative information to a credit reporting agency ; XXXX XXXX and Asset Acceptance is -failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; via XXXX XXXX XXXX XXXX and Asset Acceptance are -using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; via XXXX XXXX XXXXAsset Acceptance has -failed to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. XXXX XXXX XXXXThis is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above.
Most important, since Asset Acceptance has now acquired this inaccurate disputed re-aged Zombie account. I am advising XXXX Credit Reporting Agency that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC. Of this collection action on this previous deleted disputed inaccurate account. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid.
Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay.
|
| 04/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The creditor, Midland Funding , LLC ( " Midland '' ), has been very uncooperative in my firm 's communication with them. Midland purchased the debtor 's debt obligation. However, that debt obligation was discharged in bankruptcy. My firm became involved because we conduct real estate closings and our firm was selected as the closing attorney for a transaction in which the debtor is the seller.
We conducted a title search of the subject property and discovered a judgment lien for the aforementioned debt obligation encumbering the title to the subject property. To clear the title issue, on behalf of the debtor, I initiated contact with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), the company named as the creditor on the recorded judgment lien. Through conversations with representatives at XXXX, I learned that the debt obligation was ultimately sold to Midland.
I contacted Midland and the provided them with the debtor 's authorization for my firm to communicate with Midland on the debtor 's behalf. From the beginning, our dealing with Midland were extremely frustrating. The wait time to speak with a representative were usually between 20-40 minutes. When I was finally able to speak with a representative about obtaining a payoff amount, the responses were mixed but invariably unhelpful. I 've been told that there is a record that the debt was discharged in bankruptcy but that there was nothing else in Midland 's records, I was told that there no record of there being a judgment recorded in connection with the debtor 's debt obligation purchased by Midland, and that the representative would have to contact the internal department that deal with payoff to find out more information. I was almost always told to check date at a later date.
Finally, I was put in contact with an " account manager '' named XXXX XXXX, who said he would have to send a request to an " internal department '' to determine if they had a record of there being a judgment filed in connection with the debt obligation they purchased, the debt obligation Midland purchased was that shown on the recorded judgment. Again, I was instructed to check back periodically. About a month passed with no progress, despite several instances where XXXX stated that a reply for this sort of determination usually took about 3 business days. In my mind, he made minimal to no effort to resolve this issue or expedite matters.
After about of month with no progress, I sought the emails of anyone in a leadership or executive position at Midland and sent a mass email requesting assistance in resolving this matter. Within a few days, I was contacted by XXXX XXXX who stated that Midland was willing to release the judgment lien. I drafted a Satisfaction and Release and sent it to XXXX XXXX to be executed by the appropriate party at Midland, along with a request for documentation evidencing the fact that the executing party has authority to do so on behalf of Midland. This latter request has not been met.
Given that the Satisfaction and Release is being executed by a limited liability company, the person signing on its behalf must have the requisite authority or there is no binding effect to the executed legal document. I explained this to XXXX XXXX, who executed the Satisfaction and Release, and his response was that he had the requisite authority. When asked for the documentation showing that authority, he said he did n't have it and could n't get it. I was then referred to his supervisor, XXXX XXXX, who has neither returned my phone calls nor my emails.
As a result of Midland 's refusal or inability to provide the requested document, which should be readily available, the debtor is unable to complete the sale of her property and it is creating an undue hardship in what should be a routine procedure for a debt collector of this size.
|
| 01/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried numerous time to validate this debt correctly with MIDLAND FUNDING LLC unsuccessfully. I have asked to show proof of allege debt and that they owned the debt. Recently they provided documentation that they do, but all is showing are credit card statements from 4-5 years up until that last bill statement showing a payment due date of XX/XX/2016. Your are also showing a bill of sale assignment from XXXX XXXX XXXX XXXX which I have no idea who this company with a closing date XX/XX/2016, and a purchase and sales agreement between XXXX XXXX XXXX and Midland Funding LLC XX/XX/2016.
If the last bill statement from XXXX is showing a payment due date XX/XX/2016 how could a company that I have no knowledge ( XXXX XXXX XXXX XXXX ) of enter into an agreement to sell right away to Midland Funding, the account allegedly dated XX/XX/2016 with a closing date XX/XX/2016. If this account was valid, it would not had been sold within 30 days of the payment due date. Furthermore it should had been sold to XXXX XXXX XXXX XXXX first.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation.
Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.
Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.
Please attach copies of all statements while this account was open.
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : The documentation you previously provided does not validate this debt according to Fair Debt Collection Practices, therefore I needs to be deleted from all credit bureaus immediately. I have attached a copy of the document provided by Midland Funding which does not support what it was requested and incorrect dates information that does not make sense.
|
| 12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing to dispute inaccurate information on my credit report. This is not only a stain on reputation & character but it is a violation of my rights, as set forth by the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I noticed violations of FCRA subsections including but not limited to : 15 USC 1681 ( a ) ( 2 ) & 15 USC1 1681 ( e ) ( b ). In addition to FCRA violations, I also noticed several instances where my rights under the Fair Debt Collection Practices Act ( FDCPA ) including but not limited to : 15 USC 1692 ( d ) ( 1 ) & 15 USC 1692 ( d ) ( 2 ).
Pursuant 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.
I never gave any written instructions to put these accounts on my report. This is a clear and blatant violation of my rights under the Fair Credit Reporting Act.
Pursuant 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I was never contacted or asked to verify the information thats being reported on my file, thus proving that there wasnt an effort made to assure maximum possible accuracy of the information. This is another blatant violation of my rights.
Pursuant 15 USC 1692d ( 1 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
By reporting this inaccurate information, Midland Credit Management engaged in behaviors that caused severe harm to my financial reputation. Their egregious behavior has caused lenders to look at me in a much more negative light. This is a blatant violation of my rights, as set forth by the Fair Debt Collection Protection Act.
Pursuant 15 USC 1692d ( 2 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
By pursuing the alleged debt, Midland Credit Management harassed, oppressed & abused me. Midland Credit Management used language that I consider obscene. Using inaccurate information, they slandered my name, telling major consumer reporting agencies that I owed them money and I did not pay my bills. That is obscene language and those comments had caused lenders to look at me in a more negative light.
I was demanded to pay an alleged debt that was never validated as mine. I wasnt given an option in the matter. This made me feel very uneasy because it felt & still feels like they were attempting to extort me.
Midland Credit Management continued to harass me by submitting inaccurate information to credit reporting agencies, thus ruining my financial reputation.
These are blatant violations of my consumer rights, as set forth by the FDCPA. In light of the numerous violations, a result of their malicious behavior, please remove these accounts from my credit report immediately.
Due to the numerous inaccuracies and violations on my file, Im demanding that the following accounts are removed immediately : Midland Credit Management - Account Number : XXXX
|
| 10/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I only chose this option as it was the one that best fit what I am currently going through. My complaint is against XXXX XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX. Through Midland, I owe a debt from a charged off credit card issued by XXXX XXXXXXXX XXXX. This charged off account was due to a medical emergency I found myself in due to a no-fault car accident on XX/XX/XXXX. I was notified that this account had been placed with XXXX XXXX XXXX, and then subsequently with XXXX XXXX XXXX XXXX ( a subsidiary of XXXX XXXX ). When navigating the XXXX XXXX XXXX website, they do not allow for me to make any payments online even though they display the debt information. When navigating to the XXXX XXXX XXXX XXXX website, there is no way for a customer/borrower to log in and view/pay the account.
In early XXXX, I called the offices of Midland/XXXX to make payment arrangements since the websites would not allow for me to do so. We agreed that I would make a one time payment of {$300.00}, and then bi-weekly payments of {$25.00} until the debt was satisfied. No interest would be charged.
Flash forward to XX/XX/XXXX. I scraped together enough money in order to pay the balance in full for {$1000.00}. I called the number XXXX listed on the letter I received from XXXX. I continued to get transferred to a voicemail for the " account agent '' I was supposed to deal with. Unable to make my payment, I called XXXX XXXX at XXXX, which is the number given to me by the original creditor, XXXX XXXXXXXX XXXX. When calling Midland directly, they were able to see my account, view the details, advise that their subsidiary was servicing the account, etc. When I told them that I wanted to pay my account in full, they advised that they were not able to take any payment from me since their subsidiary had the account. Even though I was calling them on a business day ( Friday XX/XX/XXXX ), during normal business hours ( all calls took place between XXXX and XXXX EST ), they indicated that there was no way for them to accept any payment from me because my " account rep '' was not in the office.
Incredibly frustrated, I asked to speak to the customer service representatives supervisor. He said that he would get them on the phone for me, but he would not be able to complete anything for me. I waited on hold for 15+ minutes only to find myself transferred to the customer service representatives voicemail with whom I had been reaching the entire time. This agent did not get his supervisor on the phone, never came on the line to advise he wouldn't be able to do so, and just dumped me into a voice mailbox that he knew I was not wanting.
It was my full intention on Friday XX/XX/XXXX to have this debt paid in full. Not settle the account, not go back on my word when I secured the initial payment arrangement, not to skip out on the debt, but to actually pay it in FULL. I am dismayed that I was not given the opportunity to do so, even though the funds are available to do so. Below, I will provide screenshots of the calls I made on XX/XX/XXXX and their duration. I will provide pictures of the letters I received from the creditor to validate that payment was made as well as verify the numbers I called were those that were provided. I will also show screenshots of the website that I went to for XXXX XXXX and prove that it does not allow for me to make a payment, even though all payments previously arranged were posted successfully.
I believe that XXXX XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX XXXX make it unreasonably difficult to make payments so that they can continue to charge interest, unfairly report derogatory and inaccurate information to the credit reporting agencies, extend the timeline that debtors have to pay them, and make the most amount of profit on the debt that they buy.
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I filed a complaint against XXXX with you ( CFPB ) once already in XXXX of 2020. You did not do anything to help resolve the matter. XXXX blocked the complaint by saying they could not verify my identity and would not accept the complaint. And oddly, you did nothing to help counter that ridiculous claim. So the complaint stalled. I am reaching out again to ask that you help force XXXX to properly validate items on my credit report, or delete them immediately. I attempted to resolve this multiple times prior to the attempted XX/XX/2020 complaint, and have made many more attempts since XXXX. XXXX simply ignores the request as stated. I have been requesting items on my credit report be validated with original consumer contract documentation. I am requesting this item for both accounts because these accounts do not belong to me. I believe a credit file mix up occurred. If Midland Funding LLC or XXXX XXXX could provide original consumer contract documentation with my signature, or an equivalent, then the matter could be closed. However, I have written to Midland Funding LLC and XXXX XXXX directly multiple times, and they avoided addressing this matter, or ignored it all together. If an original consumer contract can not be provided, than this account can not be validated as belonging to me. If it can not be validated as belonging to me, than it would be fraudulent and inaccurate to report it as belonging to me. Therefore, these items need Deleted Immediately.
XXXX continues to " Update '' these items on my XXXX credit report, despite the fact that neither creditor has provided the necessary documents to validate that these accounts belong to me. Credit Bureaus XXXX and XXXX have deleted these items. XXXX, however, does not. It appears to be complete negligence regarding this matter of the part of XXXX. And it has become completely unacceptable. In addition to illegal under the Fair Credit Reporting Act.
In addition to XXXX 's negligence on the matter, they failed to respond within 30 days when I sent a request on XX/XX/2020. That alone is a major violation of the FCRA and the items in question should of been DELETED IMMEDIATELY. However, XXXX did nothing and faced no consequences.
Attached to this complaint is evidence of these items being deleted from both XXXX and XXXX. More importantly, there are letters from XXXX XXXX ADMITTING they have no documentation on file to validate who opened the account in question. Also attached is documentation from Midland Funding avoiding the request entirely by submitting account statements in place of original consumer documentation contracts. I have been asking for validating documents for over a year!
The First attachment is letters to and from the creditors directly in the last 60 days. You can see XXXX XXXX admit they have no validating documentation as to who opened the account in question. You can see Midland Funding LLC deflect the request and respond with no evidence to satisfy the request. The second attachment to this complaint is a handful of letters XXXX sent in the past year to resolve this matter. The Third attachment is Letters sent to XXXX XXXX and Midland Funding LLC at the beginning of 2020. The Fourth attachment is the 2 letters sent to XXXX in XXXX and XX/XX/2020 relating to XXXX failing to respond or act on my request within 30 days. They ignored me completely.
This has gone on for too long. These items need deleted immiediately. The evidence speaks for itself. Neither creditor can validate these accounts with proper original consumer contract documentation. They have had multiple chances to provide it and have failed. These accounts are not properly validated as belonging to me. Therefore, it is fraudulent to continue claiming they belong to me and need deleted from my credit report immediately.
|
| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To whom it may concern MIDLAND CREDIT MANAGEMENT you are in violation of the FDCPA you are in violation of my consumer protection rights as a federal protected consumer remove this account that you have on a consumer from all three major credit bureaus immediately XXXX, XXXX, XXXX Pursuant to 15 U.S. Code 1692a Definitions The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
MIDLAND CREDIT MANAGEMENT you are debt collector pursuant to federal law.
.
Pursuant to 15 U.S. Code 1692e.False or misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) the character, amount, or legal status of any debt ; or If it is a debt MIDLAND CREDIT MANAGEMENT that is owed like you ( allege ) all charges you say I owe should be shown in the negative. This will be a False or misleading representation and this is violation Under FEDERAL LAW.
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except I am CEASE and DESIST all further communication with you MIDLAND CREDIT MANAGEMENT remove this account on the consumer from all three major credit bureaus immediately from XXXX, XXXX, XXXX. MIDLAND CREDIT MANAGEMENT bureaus are use as a medium for communication so remove this account immediately.
18U.S.Code8-Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, XXXX XXXX XXXXXXXX XXXX Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps .
Anything that is alleges owe is obligation of the UNITED STATES MIDLAND CREDIT MANAGEMENT 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; MIDLAND CREDIT MANAGEMENT me my check for violating my consumer protection rights and for the actual damages you cause me and my family. Invoice will be sent for {$100000.00} to your corporation.
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XX/XX/2020 XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
|
| 04/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have asked Asset Acceptance to verify debt that they say I owe. I have called and written them. I had to file a police report and dispute the account with experian but equifax will not remove the false information. I have disputed it with equifax several times and they will not remove it because asset acceptance keeps reporting the debt but will not verify it with me. I called the original debtor as well and they refer me back to asset.. They are playing games and will not prove the debt is mine nor give me any information.
I sent the letter to XXXX and asset acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Dear XXXX XXXX XXXX I am writing in response to the two telephone calls, the latest made on Wednesday, XXXX XXXX, 2016 at XXXX and XXXX XXXX, 2016. I am disputing the debt claim from XXXX regarding the account XXXX. A debt claim has become associated to my name.
Your account representative " apple '' informed me of a deliquent account claiming the debt stemmed from a charge. '' She herself seemed unsure of the exact details.
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt and a copy of a judgment, the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I have previously requested on Monday, XXXX XXXX, 2016 and XXXX XXXX, 2016 at XXXX and XXXX XXXX XXXX XXXX send me the appropriate documents verifying the legitimacy of the supposed " debt '' as well as proof of XXXX 's claim to the supposed " debt '' owed.
I again requested the documentation in writing for a third time.
For the 4th and last time, I respectfully request in writing that you provide me with the following information : ( 1 ) the amount of the debt ( 2 ) the name and address of the original creditor to whom the debt is owed ( 3 ) Verification of the debt and a of a copy of court judgment as required by the FDCPA ( 4 ) Proof that you are licensed to collect debts in XXXX and XXXX ( my current residence ) ( 5 ) Proof that I am the " XXXX XXXX '' who you have on the account Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense you can not add interest or fees except those allowed by the original contract or state law you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. XXXX is a two-party notification state so I am therefore informing you of my intention to record all further calls from XXXX.
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. It is therefore your responsibility to prove its legitimacy, not mine. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute
|
| 02/29/2016 |
Yes |
|
|
|
Web |
|
|
This is a case of a collector refusing to accept payment from the debtor. My credit rating was destroyed because of an error committed by the merchant and now I have been given the run-around by the credit collectors which REFUSED to accept my offer of payment. Sometime in XXXX XXXX, Discount Tires offered a {$150.00} rebate if I buy XXXX tires and pay ( {$370.00} ) thru a credit card ( XXXX XXXX ) which I had to then and there apply for. I filled up the forms the credit card and submitted it to XXXX XXXX who finalized the online application process with XXXX XXXX. Later I got the rebate. I was told to wait for the credit card and billing so I can pay but I NEVER RECEIVED THE CREDIT CARD or ANY BILLING and so I failed to pay. In XXXX/XXXX/XXXX I was informed by our loan officer that when he checked our credit rating he discovered I had an unpaid account from a purchase with XXXX XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX to inquire who connected me to XXXX. I was informed by XXXX of the unpaid purchase and when I told them I did not receive the credit card or any billing, I was informed that the credit card and the billings returned to XXXX because my address can not be located. It turned out that XXXX XXXX did not include my apartment number in my address and XXXX did not exert any effort to locate my apartment number. I asked XXXX why they did not attempt to call me when my phone number was with Discount Tires but was told they can not call. When I said I wanted to pay, XXXX told me they sold my account to Midland Credit on XXXX/XXXX/XXXX and no longer has anything to do with it. On the same day, I called up Midland Credit ( XXXX by XXXX and later XXXX from website ) to arrange payment and a call center based in XXXX responded. I was told that I can not pay because they could not locate my account and to wait for the uploading of my account to their system which can take within 15 to 30 days. I was asked to call again XX/XX/XXXX. I called XX/XX/XXXX then XX/XX/XXXX but was refused because my account was not yet uploaded in their system. IN THE MEANTIME, I CONTINUE TO SUFFER A DETERIORATING CREDIT RATING/HSTORY BECAUSE OF THE CONTINUING REFUSAL OF SYNCHRONY AND MIDLAND CREDIT TO ACCEPT MY PAYMENT. Finally on XXXX/XXXX/XXXX, I was informed by the XXXX call center ( WILL THIS NOT VIOLATE CONFIDENTIALITY AND CAUSE IDENTITY THEFT BECAUSE OUTSOURCED TO A 3RD PARTY LOCATED OUTSIDE THE US ) that my account has been uploaded in their system on XXXX/XXXX/XXXX but that I was referred to the XXXX branch of Midland ( XXXX ) to process my payment. But when I called the XXXX branch I was informed that they can not take my payment because they need to arrange my payment because I am from a different state ( which I can not understand why ) and I was asked to call back on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX but I was informed that they still need to arrange my payment and on XXXX/XXXX/XXXX but nobody answered my call. On XXXX/XXXX/XXXX, XXXX XXXX told me that my account was transferred to XXXX XXXX which I immediately called XXXX XXXX ) and was told to call again on XXXX XXXX because they still need to upload my account. FOR THE MEANTIME, MY CREDIT RATING /HISTORY SUFFERS BECAUSE IT WOULD APPEAR THAT DESPITE NOTICE I AM NOT DOING ANYTHING TO PASS A MISTAKE CAUSED BY THE MERCHANT. The continuing delay and refusal of XXXX, Midland Credit and now XXXX XXXX is unjustified ( unlawfully charge interest and earn more? ) especially considering the offer to pay and damage caused to me, knowing fully well that in the XXXX credit rating is very important. As mentioned, I am the one chasing the collectors who are running away seemingly afraid to accept my payment. Why? I should be issued a letter of deletion upon payment and my credit cleared with the credit bureaus.
|
| 02/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For years, ( XXXX ) XXXX repeatedly called me at both work, my own personal cell phone, as well as the business I worked at. After my landlord, XXXX found out I had a debt collector chasing me, he alluded to the fact when I requested a lease extension. I had to move, and ended up paying considerably more in security deposits, moving costs, and apartment pricing, directly due to the fact that it seemed now everyone knew I had a debt owed to Midland. They were relentless, calling numerous times, at all hours of the day and night.
I transferred jobs to an area closer to where I was forced to move to, and yet, now it happens all over again. Over the past week, a postcard was delivered to my residence that clearly mentioned the fact that I once had a debt collection attempted by Midland Funding. I was away for the week, and now the other residences of my apartment house, as well as the leasee of the office below me, clearly see that Midland and I have had a negaitve previous relationship, which is NOW EFFECTING MY JOB AGAIN. I am a XXXX, and this type of publicity is horrendous in my business. No matter what I do to try and stay away from this company, they keep coming back, destroying my reputation, and costing me thousands, all in direct violation of multiple sections of the FDCPA, as listed below.
Issue # 1 The FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. ( Emphasis added ).
This postcard I received identified me as part of a class action settlement against a debt collection agency. Therefore, I had past due bills that I did n't pay that were subject to collection. Anyone looking at this post card can go on the Internet and find XXXX, which is just a couple clicks on a phone in this day and age. This could lead to a huge effect on my life and employment opportunities.
Issue # 2 Called me at work repeatedly, even after being told I had been transferred to different offices, was still called repeatedly, letting everyone in my old office know.
Issue # 3 Called asking for me at a place of business I was unrelated to, except that I lived above and my landlord owned the establishment, further telling everyone.
Issue # 4 Telling the people at the business in qustion that " Midland is trying to collect a debt from you. '' Again, direct violation, I had no relation to this business, and this is exactly what caused me to lose the apartment.
Issue # 5 Contacting me after I expressly wrote to them and told them to stop sending me all communication.
This company needs to be stopped, they are committing crimes that are destroying my reputation everywhere I go. I have been denied credit cards, cars, apartments, all due to Midlands inaccurate reporting and constant disregard for the law.
The only fair resolution is for this to be completely removed from all XXXX credit reporting agencies, as well as anywhere my information appears online. I also would like a personal letter of apology.
In regards to the noted violations, Midland should be fined {$1000.00} for each of the XXXX violations. I also am deserving of a {$20000.00}. {$6000.00} for each violation, and {$14000.00} in damages, to pay for dragging my name through the mud, costing me more in rental costs, moving costs, headaches, stress, and constant anxiety, with no regards for the law.
|
| 06/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am a debtor Of Midland Credit Management and Asset Acceptance Corp. In and around XXXX of 2012 I hap appointed my father as my Attroney-in Fact with Power of Attorney to help resolve numerous financial issues I had become entangled in. Using my credit report my father reached out to both XXXX XXXX XXXX and Asset Acceptance Corp. asking for validation of the debt and available documentation ( Exhibit 1 & 2 ). At the time we were not aware that the XXXX XXXX XXXX debt and that of Asset Acceptance Corp. were the same debtors that Asset Acceptance had purchased the debt from XXXX XXXX XXXX, who subsequently wrote the remaining debt off. We did not receive the requested information back from either party. On XX/XX/2012, we received a summons for Mandatory Arbitration from Asset Acceptance , Corp in which they represented as an assignee of XXXX XXXX XXXX. ( Exhibit D & E ). During the court proceeding the attorney representing Asset Acceptance , Corp. approached us outside of court with a payment arrangement that we accepted and was in compliance with until they altered the payment arrangements. ( Exhibits A, B, & C ) Once the payment arrangement was shifted from their appointed attorney to Midland Credit Management our requests to satisfy payment arrangements were responded to limitedly. We then turned to the Illinois Attorney Generals office of Consumer Protection for assistance and through several months of communication were given the offer of account settlement in the amount of {$1200.00}. ( Exhibit 7 ) The settlement communication stated that their legal department would be reaching out to us to make the necessary arrangements to make the settlement payment. After a few weeks, we made several attempts to reach Midland Credit Management to arrange the payments but were advised that they would be in contact with us to settle. During this period we learned that Midland Credit Management, Asset Acceptance, and its subsequent subsidiaries and legal partners were under numerous investigations and suits, including by the CFPB and made an assumption that we were lost in limbo or part of a bigger finding. $ years later I received notice of wage garnishment for the remaining balance of the original debt including additional interest and fees. We attended several court dates to settle the matter, remove the garnishment and address issue it created with my employer. In a few incidents, the case was postponed because their appointed attorney did not appear. After several months, and missed work, we were told that the original acceptance of {$1200.00} to settle was no longer acceptable, even though it was in writing because we did not fulfill the payment offered even though their offer stated they had to contact us and we made attempts without any resolution. The resulting resolution was that I made the full payment owed less a slight removal of court cost to Midland Credit Management.
I believe that this debt was deliberately pushed aside by Midland Credit Management and that they had no intent to settle for the {$1200.00} dollars as stipulated to the Illinois Attorney General office. Additionally, by holding the debt for 4.5 years they accumulated additional interest earnings, Midland Credit Management , Corp and its subsidiaries made what they knew was a false offer leaning on the lack of knowledge of my self and father in the legality of following their need to make arrangements to collect, is the letter not a legal binding contract?
I additionally believe that my debt was part of a consent order that the CFBP had against Midland Credit Management , Corp and Asset Acceptance XX/XX/XXXX-CFPB-XXXX and that by holding my debt and shifting it around was not reported to the CFPB and accounted for in the resolution of the consent order.
|
| 10/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
continuation to Case number : XXXX : Asset Acceptance/Encore answer - with my dispute : Their Answer : Please note that the last payment towards the XXXX account was on XX/XX/XXXX for {$94.00}. AALLC 's business records indicate that the suit that was filed against you for the XXXX account in XX/XX/XXXX, within the applicable statute of limitations period. No judgment was ever obtained in this suit, and the suit was subsequently dismissed. The above-mentioned account was closed as the Statute of Limitation had expired and there is no longer a balance due and owing.
My response to dispute this noThe suit was dismissed per the Judge - to state I made a payment for {$94.00} on XX/XX/XXXX is another misrepresentation:1. ) - The judge teleconferenced the paralegal with Asset Acceptance and had asked for documentation showing I made this payment ( which would have the only thing that would have restarted the Statute Of Limitations on this account ) and she said they do not have anything - no statement - no bank that it was paid from.
2. ) Then the question arose if the minimum payment due was {$200.00}??? why would I make such an odd payment of {$94.00}? of course as I said under oath - I did n't make a payment.
3. ) I also had submitted to court bank statements of accounts for that time period and there were NO debits to Asset Acceptance ever made.
4, ) The Statement I have attached shows the statement dated XX/XX/XXXX was for the month of XX/XX/XXXX and it shows no payments made that month.
5. ) The other attachment only shows that I had a balance at that time.
6. ) The XXXX attachments were the only items the Plaintiff provided in this case - along with the sale from XXXX.
7. ) It was dismissed twice - once from the Court Commisioner and once from the Judge as there was no burden of proof whatsoever that {$94.00} was paid so start over the SOL.
8. ) Asset Acceptance has been on trial for numerous misrepresentations to mislead and falsify information to the consumer and in laymens terms - The tried every which way in the 4 times they took me to court.
9. ) The judges final question to me before his decision was " Why do I think I should prevail in this case? '' and I stated " Because the law is the law and they are breaking it right here in court.
10. ) This was clearly a time-barred account that information was misrepresented in order to collect time-barred debt.
11. ) Lastly - their Attorney from XXXX : Approached and followed me to the entrance the first 3 times in court stating that " All you need to do is just pay {$50.00} now and then just {$50.00} or {$75.00} a month - whatever I could afford and they would give me a great settlement.
The meeting with the court commissioner - XXXX had set up a teleconference with the plaintiff for him give a statement and he would n't answer his telephone when they were called from the courtroom.
Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; using illegal debt-collection practices, including misrepresenting the character, amount and making false representations to collect a debt ; andfailing to provide verification of the debt and continuing to attempt to collect a debtThis is what Encore/Asset Acceptance did to me - 4 times to court- each time XXXX miles roundtrip
|
| 12/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have repeatedly tried to fix this problem with XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
|
| 05/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Accounts # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
|
| 05/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Midland Funding XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX RE : Accounts # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
|
| 12/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXGA XXXX Midland Credit Management , Inc.
At. : Consumer Support Services XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX Collection accountS : XXXX ( {$1400.00} ) Re : Acct # XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XX/XX/XXXXor XX/XX/XXXXXXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XX/XX/XXXX and XX/XX/XXXX XXXX request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 04/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2022 i contacted Midland Credit Management, about a account that existed without my knowledge. Prior to contacting Midland, I was receiving repetitive notices from local lawyers dealing with debt management. I contacted one of the law offices, to my knowledge I did not know of any open cases I may have. I contacted XXXX at local law firm in XXXX Florida. When i contacted this law office i was told they were unable to view the case. I directly spoke with Midland credit that same evening on XX/XX/2022. I spoke with a representative named XXXX and had my call escalated to XXXX who represented herself as a manager for Midland Credit. The debt was incurred from XXXX XXXX Bank, for a debt that was incurred in the peak of the pandemic shut down. The debt is {$1100.00}, with new additional charges with the buyer of this debt account, the new debt has risen to over {$1800.00}. on XX/XX/2022 I agreed to pay a debt I feel was wrongfully incurred. XXXX XXXX during the time of the pandemic was not reflecting my active payments toward my account. Instead, i continued to incur new fees and numerous payments were made that did not reflect. With the stress of the pandemic financially and emotionally, the account to my knowledge i stopped receiving updates on the account when it was understood i would not be able to make payments due to the impact of covid on the economy. On XX/XX/2022 i was haggled into agreeing to pay {$25.00} bi-weekly to pay of this debt, the agreement being that legal action would be stopped immediately against me. XXXX assured me after the payment arrangement was setup she would connect with the legal department to stop any further legal action of being sued. The first payment was set for XX/XX/2022. I provided the manager XXXX with checking account info for my Daughter 's account who authorized the payment to be debted bi weekly from her account. the routing and account number were taken and everything seemed to be almost squared away. As i monitored to see if the payment ever was received i contacted Midland on XX/XX/2022 and spoke with a representative who agreed the payment had been received and my account was in good standing. On XX/XX/2022 I received a summon from the court to appear, as midland credit is still in its interest of suing me. I spoke with a XXXX manager at midland credit, who did not address my concerns, but rather bullied me into new information I was not aware of. Speaking with XXXX and XXXX almost seemed like speaking to completely different companies. As XXXX informed me that the account that was provided could not be used. However, the account used is a bill payer account that is actively and widely used by companies. I gave a new card on file to continue the payment arrangement. The issue is false representation from the representatives at this company and a complete lack of ability to address concerns. All calls are recorded and monitored at Midland credit. My hope is that all my attempted calls made to midland credit are heard. This lawsuit over a petty credit card debt seems more targeted due to my age and assets than it is for actual financial damages. This has caused me an immense emotional and financial mental burden. Constantly feel financially inadequate to support my family. I made the attempt to handle my debt, it should not be chasing the debt collections company to pay my debt. There should be some acknowledgment and notice that there is a debt to collect. And should a debt attempt to be collected no amount should be turned away in this economy. Midland credit in essence has caused me a lot of stress, along with XXXX XXXX. With the unprofessionalism and lack of documentation for clients dealing with sensitive information, midland credit should be reprimanded.
|
| 01/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, GAXXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX RE : AccountS # XXXX ( {$1000.00} ) ; XXXX ( {$6200.00} ) ; XXXX ( {$4400.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
|
| 06/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I live in XXXX, XXXX. I am currently being sued by Midland Funding LLC ( represented by the Law Firm XXXX, XXXX XXXX XXXX ) for a nonexistent credit card debt. The case is currently in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I believe this lawsuit is illegal, and by filing it and continuing this litigation against me both the plaintiff and their attorney violated and continue to violate the US and XXXX XXXX XXXX Laws, as well as the Consent Order issued by the Consumer Financial Protection Bureau in XXXX XXXX. I am going to describe two main reasons why I see these actions as illegal : 1. According to the evidences the plaintiff provided, this alleged debt is time-barred. During discovery period as part of their evidences they sent me a copy of XXXX XXXX XXXX Credit Card Agreement. They allege that this is the debt they own and this is the debt I owe them money for. This Credit Card Agreement has a following clause on XXXX : " WHAT LAW APPLIES : This Agreement is made in XXXX and we extend credit to you XXXX XXXX This Agreement is governed by laws of the State XXXX ( without regard to its conflict of laws principles ) and by any applicable federal laws ''. Statute of limitations for a credit card debt XXXX is 3 years. The plaintiff claims that the last payment on that credit card account was made in XXXX XXXX, they filed their complaint in XXXX XXXX XXXX in XXXX XXXX. This is well beyond the 3 year statute of limitation that should apply in this case.
2. The Consent Order issued by the Consumer Financial Protection Bureau in XXXX XXXX describes numerous Affidavit use violations by Midland Funding LLC and Midland Credit Management LLC. I believe that this ongoing lawsuit against me also contains some of such violations. The latest example was the XXXX Statement by MCM employee ( they call it " Affidavit '' even though it was not notarized ) dated XXXX XXXX, XXXX. This affidavit is supposed to verify the documents they provided as evidences. The employee refers to several such documents specifically and by name ( XXXX of which, by the way, is the Credit Card Agreement mentioned above ) calling them " true and correct copies ''. But then at the end of her affidavit there is a following clause : " The documents attached hereto are true and correct copies of the originals, being reproduction of the records on file on behalf of plaintiff based upon my review ... '' The purpose of this clause seems to be to create an impression that " all other documents '', not mentioned specifically by name are also " true and correct copies '' of the originals, without stating clearly that they are, without clearly taking responsibility for such " verification ''. Thus, to prove their assignment the plaintiff provided copies of XXXX bills of sale. The second of them ( from XXXX XXXX ) the MCM employee specifically names and describes in her sworn statement and " verifies '' as " true and correct copy ''. But she never mentions the first bill of sale XXXX from XXXX XXXX ) copy of which is also included as part of exhibit attached to her affidavit. This XXXX bill of sale is obviously not a copy from an original, it was altered in some way at some point. This generic, nonspecific clause at the end of the affidavit seems to be put there in order to create an impression ( without taking responsibility ) that the MCM employee " reviewed and verified '' ALL the " evidences '' attached to her affidavit, including this altered copy of bill of sale and a bunch of other pieces of paper. There are several other affidavits included as " evidences '', which certainly will not stand at trial, but they are placed there in order to create a false impression of a case, and to force the defendant to agree to pay to the plaintiff without trial.
|
| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent MIDLAND CREDIT MANAGEMENT a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by an individual whose signature is illegible on XX/XX/21. Furthermore, this individual is an uninterested party in this matter. In my cease and desist I demanded that MIDLAND CREDIT MANAGEMENT send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that MIDLAND CREDIT MANAGEMENT claims that I owe them. It has been 12 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. MIDLAND CREDIT MANAGEMENT is also in violation of the FCRA ( Fair Credit Reporting Act ). I never entered a consumer credit transaction with MIDLAND CREDIT MANAGEMENT, therefore, I did not share ANY of my private information with this corporation. So it's unclear to me how they received my private information. MIDLAND CREDIT MANAGEMENT is liable for committing identity theft. On my consumer reports/files MIDLAND CREDIT MANAGEMENT states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false. I did not give MIDLAND CREDIT MANAGEMENT written or oral consent to furnish information to my consumer reports/files nor was I given an option to opt out of my private information being shared. I never received ANY written notices from MIDLAND CREDIT MANAGEMENT or any original copies of documentary evidence or contractual agreement that proves their claims that I owe them the alleged debt or I am obligated to pay them anything. MIDLAND CREDIT MANAGEMENT is committing fraud and invading my consumer rights to privacy. This corporation purchased an alleged debt that they were not entitled to and then furnished it on my consumer reports. MIDLAND CREDIT MANAGEMENT has also caused me embarrassment, defamed my character both libel/slander, and harmed my credit worthiness and reputation by furnishing false financial information on my consumer reports/files. Furthermore, I have never done business with MIDLAND CREDIT MANAGEMENT so I would like to know how they received any of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports/files. MIDLAND CREDIT MANAGEMENT is violating a number of federal laws, they are liable for committing fraud and identity theft. I need answers and this matter needs to be resolved immediately so that I am able to reclaim my credit worthiness.
|
| 04/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Complaint Narrative Midland Funding , LLC and Midland Credit knowingly and willfully committed multiple violations of CFPB Consent Order XXXX/XXXX/XXXX, Administrative Proceeding XXXX in filing a consumer debt lawsuit against Consumer. Clear implication of systematic nature of these violations is that Midland Funding is systematically violating Consent Order in several XXXX consumer debt lawsuits in XXXX XXXX Courts filed since the XXXX XXXX, XXXX Consent Order filing date. Current number of Midland Funding open cases in XXXX XXXX XXXX as of XXXX XXXX, XXXX -- XXXX.
Summary of Consent Order violations committed in filing of XXXX vs XXXX [ hereafter Consumer ], XXXX XXXX XXXX Case # -- XXXX.
1. Used False and Generic Complaint Affidavit ( the Complaint ) in filing lawsuit. Attachment, MCM complaint affidavit.pdf XXXX. Made false claim to Court and Consumer in Complaint Affidavit of a 'right '' to [ continue to ] use Account Stated doctrine as done by Midland before Consent Order -- when Midland knows Consent Order now supervenes said claim. attachment Consent Order versus Account Stated.docx 3. Used False Affidavit of Service of Summons as created & questionably notarized by workers at XXXX XXXX XXXX XXXX Possible robo-notarization of high volume affidavits by XXXX XXXX XXXX XXXX XXXX XXXX
Attachments : ... Refutation of False Affidavit of Service ... XXXX XXXX XXXX XXXX job description XXXX XXXX Sec State Registration Number and Address.pdf Sec XXXX XXXX XXXX XXXX ( lists business address same as XXXX ) 4. Used prohibited generic XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is Generic -- except for date & buyer name. Does not refer to XXXX XXXX. Attachment : XXXX.
5. Submitted False Affidavit of Review of Account. Documents as required were clearly not reviewed as Affidavit claims since by Midland statements they do not have those documents to give Consumer. Attachment : Midland Account Doc Review XXXX.
6. Acted fraudulently for financial advantage by false affidavits & withholding existence of Consent Order from XXXX XXXX XXXX and Consumer and XXXX ) not conforming to & admitting governing stipulations. Attachment : MCM Complaint Affidavit.pdf.
XXXX. Midland Attorney XXXX XXXX falsely claimed XXXX XXXX, XXXX to Consumer that Consent Order only applies in Federal Court and not in effect before XXXX XXXX, XXXX. Conversation : Court " Return Date '', XXXX XXXX XXXX.
7. Noncompliant with having required account level documentation available prior to filing lawsuit. Midland only sent to Consumer and stated they only have charge-off statement amount, [ generic ] bill of sale - and denied having other account level documents. Attachment : MCM XXXX avoids providing acct information.pdf 8. Failed to offer account level documentation in advance of initiating lawsuit.
9. Refused to provide account level documentation as requested by consumer. In-house attorney for Midland, XXXX said three times he would not even try. XXXX XXXX conversation and my complaint to court.
XXXX. Coercive Use of pre-lawsuit Letter of Collection ( XXXX XXXX, XXXX ) to intimidate Consumer by false threat of litigation & saying account is in Legal Department. Attachment : mcm XXXX XXXX XXXX false threat of litigation.pdf XXXX. XXXX illegally sold debt to XXXX without questions by XXXX. Did not check validity when disputed by XXXX. Account invalid before sold as XXXX unlawfully defaulted on workout plan about XXXX XXXX. Account illegally sold by XXXX without information on work-out plan -- 0 % APR on first and then a second plan. XXXX XXXX refused XXXX XXXX, XXXX to provide XXXX in XXXX sales file. Midland only provided charge-off amount as " extra information '' on or about XXXX/XXXX/XXXX by letter ( copy n/a ) Ref : XXXX Consent Order.
|
| 07/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
On XX/XX/XXXX I decide to try XXXX service for my iPhone so I stopped by XXXX XXXX store and got a pay as you go plan and prepaid it. I explained I want to try service to see if the iPhone would work. I was told I had to activate service and to get pay as you go plan, then if the phone proofed to be unlocked I could cancel and get a monthly plan. So that day after trying the phone and finding it to work on XXXX network I cancelled the pay as you go and converted it to a monthly plan. XXXX agent at the XXXX, NJ store did the paper work and put the {$75.00} credit from the pay as you go plan onto my monthly account.
XXXX, NJ store requested my main business line to be " Ported In '' to XXXX for my use.
After a couple of days I realized no calls were coming in so I tried to call my number, that 's when some girl answered. I asked how did she get this number, she said " I just got this number from XXXX ''. I realized She got my number the SAME DAY XXXX PORTED THE NUMBER!
That 's when I called XXXX and expressed the urgency of getting MY NUMBER back to me. I told them " It 's the XXXX and I build ecommerce web sites and it was urgent that I get that number back immediately. XXXX Customer Service apologized and processed the procedure to get the number back to me.
A few days later I called XXXX Customer Service and I was told the agent never put the request in to correct the problem and XXXX agent would take care of it while I was on the phone with them.
The next week I found out from what was to be new customers that my main business phone was called and no one got back to them and they rapidly the calls only to have a very annoyed girl answer and tell them is was her number. I LOST THIS NEW BUSINESS AT THE BUSIEST TIME OF THE YEAR.
I call XXXX and told them exactly what has transpired. I argued for compensation, I said " The number was not theirs to give away and that their mishandling porting my number has cost my business over {$8000.00} in list sales plus the lost and cost of calling each and every business we had deals pending with. XXXX told me that MY NUMBER I AHD FOR OF 20 years, was actually theirs because they ported it in for me, I TOLD THEM BULL and to stop trying to cover their but and fix the problem!
They offer free service from XX/XX/XXXX to XX/XX/XXXX plus a new driod phone at not cost. I said I was use to IPhones but if the driod works well I would accept that as a settlement, but If I was not happy with the driod and returned it in original box I want the value in a credit applied to my account. XXXX said ok but the phone would have to be retuned in the box.
A month later I called XXXX to make arrangements to return the phone for full credit and I was told yes I would get the additional credit for the phone put onto my account as a credit and that is would mean their would no phone bill due until XX/XX/XXXX. So with this understanding I sent the phone with it original box back to XXXX.
A month later I still did not receive a credit on my bill so I called XXXX customer service to see when the credit would be applied. I was told " they sent me the phone for free and no further credit would be given ''. I argued my points about why I was supposed be given the credit.
At this point XXXX has caused enough stress and hardship to myself and my business that I canceled all service. I had no contract so I think this was best!
I never got my {$75.00} cash credit applied and I never got the credit for merchandise that was mine and retuned. I feel XXXX was dishonest and took property and assets from me. I feel XXXX was deceptive and their mismanagement lead to my losses.
I have filed a complaint with The State Of New Jersey Office of the Attorney General.
Sincerely, XXXX XXXX
|
| 03/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Please be advised that I already sent them TWO WRITTEN LETTERS asking them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. I know that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. However, they did not provide me any documents that they used to verify these accounts? What is the name of the person in the company who verified these accounts? What documents did they use to verify them? I would like them to provide me with the name of that individual, their business address, and telephone number.
XXXX Edition, XX/XX/2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that MIDLAND FUNDING must be willing and able to produce a document in their files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
MIDLAND FUNDING ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if they fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
MIDLAND FUNDING Account Numbers : XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to them Complete accounting of alleged debt.
|
| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I requested my recent credit reports from all 3 agencies ( XXXX, XXXX ) and I have a few accounts that I wanted to take care of. I contacted each one of the collection agencies listed on my credit reports ; Midland Funding, XXXX XXXX, XXXX. I made three payments to Midland Funding on XX/XX/XXXX, on a visa card ending in XXXX directly on their website after them refusing to work with me on payments or offering a payment plan that I could afford or remain committed to. I also informed them that some of the information was incorrect, dates, balances, and the fact the account was listed multiple times on my credit report with all three major credit bureaus. I moved onto the next collection agency XXXX XXXX-made a payment to them on a different card ending in XXXX, a Mastercard ; in no way are the cards connected in any way, two different banks, and two entirely different accounts, I have screenshots of the entire process, that shows the card last four numbers XXXX, the amount of the payment, the date, and a confirmation number for the card ending in XXXX. I have proof ( a screenshot ). I checked both payments online in my accounts and the payment made on the account ending in XXXX never reflected a payment being made to XXXX XXXX ever ; I called the bank and they stated there was never a pending charge on the card for any amount from the merchant XXXX XXXX at any time. I have all of the screenshots to show the card number used, the amount, and the website name as well. XXXX XXXX lied to me about the card information they were using, gave me false information online and on the phone ; they used the account information I gave to Midland Funding LLC ; Midland Funding shared my bank card information with XXXX XXXX without my permission and lied about it. Both companies denied it and called me a liar ; that what I was stating was not true and was false. I sent account statements, screenshots of payments, and the card numbers as well as the bank statement that showed a pending charge from XXXX XXXX on an account that I did not give them permission to nor did I provided the card information to. XXXX XXXX is denying that they did this when they have been sent the information that shows a pending charge. Midalnd Funding LLC gave my bank card information to XXXX XXXX on XX/XX/XXXX.
XXXX XXXX stated to me over the phone after several hours and several phone calls that if there is a pending charge on a card that I did not give them information on nor did I give my permission for ; its not their fault that Midland Funding LLC shared my bank information with them without my permission. These two companies have lied to me and represented themselves dishineslty, They have both given me false information, been dishonest with me in their dealings, straight up lied to me about their actions. How am I supposed to trust these companies and pay my accounts off?
XXXX XXXX tried to manipulate me into taking financial accountability for an account that was XXXX for the company XXXX XXXX? First of all, it's well over 7 years and it's not mine. They refused to give me an account number nor was it ever listed on any of the credit reports I have received.
I also know that Midland Funding LLC which is not the only name this company is under with the XXXX or on this website ; this company has gone through several court proceedings and is currently paying fines as of XXXX.
It does not appear as though the company has learned any lessons from its dishonest business practices as of XX/XX/XXXX.
Thank you XXXX XXXX These are the two companies I am dealing with and have issues : MIDLAND FUNDING LLC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Subject : Complaint Regarding Midland Credit Management - Violations of Credit Laws Dear CFPB, I am filing a formal complaint against Midland Credit Management concerning the information they have reported on my credit report. The account details are as follows : Creditor : Midland Credit Management Account Number : XXXX Original Creditor : XXXX XXXX XXXX NA Account Status : Open Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$610.00} I dispute the accuracy of the information being reported by Midland Credit Management due to the following violations of credit laws : 1. Violation of Fair Credit Reporting Act ( FCRA ) Section 1681c ( a ) ( 1 ) : The account is listed as " Open, '' which is incorrect. Per my records, this account was closed, and it should not be reported as open. The inaccurate account status is a violation of FCRA 's requirement to provide accurate and up-to-date information on credit reports.
2. Violation of FCRA Section 1681c ( a ) ( 5 ) : The reported opening date of XX/XX/XXXX, is inaccurate. I have records that show the account was opened on a different date, which should be reflected accurately on my credit report. This discrepancy violates FCRA 's requirement to report correct information regarding account opening dates.
3. Violation of FCRA Section 1681e ( b ) : I have never been late on payments for this account. The report 's indication of delinquency or late payments is erroneous and violates FCRA 's requirement to ensure the accuracy of the information reported on credit reports.
4. Violation of FCRA Section 1681i ( a ) : I have disputed this account twice, and it has been verified as accurate by Midland Credit Management without providing any evidence from the original creditor, XXXX XXXX XXXX XXXX This failure to conduct a proper investigation violates FCRA 's requirement to investigate disputes and verify the accuracy of reported information.
As per the violations listed above, I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to ensure that Midland Credit Management complies with the Fair Credit Reporting Act ( FCRA ).
I demand that the following actions be taken : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original agreement, itemized statements of all charges, and payment history.
2. Correction of Account Status : Update my credit report to show the accurate account status, indicating that the account is closed.
3. Correction of Opening Date : Ensure that the reported opening date is accurately reflected on my credit report.
4. Removal of Late Payment Indication : Remove any indication of late payments or delinquencies, as I maintain that I have not been late on payments for this account.
5. Proper Investigation : Conduct a comprehensive investigation into my dispute, including obtaining evidence from the original creditor, XXXX XXXX XXXX XXXX, to verify the accuracy of the reported information.
Failure to provide the requested documentation and resolve the inaccuracies on my credit report will be considered a continued violation of my consumer rights under the FCRA.
Please ensure that my credit report is updated with the correct and accurate information or remove any erroneous data related to this account.
I expect a prompt response to this complaint and a thorough investigation into the matter. Please provide a written response once the investigation is complete and the necessary updates have been made to my credit report.
Thank you for your attention to this matter. I anticipate a resolution that upholds the accuracy and integrity of my credit report, in accordance with the Fair Credit Reporting Act.
Sincerely, XXXX XXXX
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text CREDITOR CONTACT INFORMATION : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX REFERENCE NUMBER ON PAYOFF : XXXX COVID RELIEF, AGREED UPON COLLECTION DELETION. DELETE ITEM IMMEDIATELY!!!
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 08/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
My complaint is due to violations of the FDCPA, the FCRA and the FTC.
On XXXX XXXX, XXXX I pulled a copy of my tri-merge credit report as my husband and I are preparing to purchase a home. I found a collection from this company on my credit report. They were not reporting the original creditor or the date of last activity, so I sent a dispute letter to XXXX, XXXX and XXXX XXXX. All XXXX credit bureaus reported the account as having been verified by XXXX. XXXX XXXX I sent a dispute letter to XXXX directly asking that they validate this debt. They did not respond. On XXXX XXXX I sent another dispute to the company and did not receive a response. On XXXX XXXX I sent yet another dispute to the company advising them that they were in violation of the FDCPA by failure to respond. I did receive a response to this letter ... ... .with a judgment notice attached.
When I looked at the filed judgment, which is not yet reporting on my credit report, I saw that Midland states that they sent judgment paperwork to XXXX XXXX XXXX XXXX XXXX XXXX, an address I have not lived in for three years. I have moved twice since living at that address and each time I updated my address with the DMV, my creditors and filed a mail forwarding with the post office. In addition, I have had the same phone number for ten years and did not receive one phone call from Midland regarding this debt.
I now know who they are attempting to collect for, an account that was charged off in XX/XX/XXXX yet Midland is reporting the date of last activity as XX/XX/XXXX.
Please understand I am not trying to get out of my obligations to pay my debts. In XX/XX/XXXX I had moved to XXXX when offered position with a company. Within one week of moving to XXXX I discovered that I was pregnant. I started my new job and, after about a month of sitting in an office doing absolutely nothing and consistently asking the owners what their marketing strategy was, how I could help to bring in clients, etc. I was told that the company was a debt settlement company interested only in settling the debts of their clients then forwarding those clients to me for counseling. However, the clients were not interested in the extra fee for this service and the department was closed, leaving me without a job. My husband 's income covered our rent, food and utilities. We had no extra money. I was able to obtain another job but as soon as I did, my husband lost his job.
At six month of XXXX we were told our baby had a XXXX and an XXXX. We were sent for further testing, I was put on medication that did regulate the baby 's XXXX, however, the XXXX did not correct itself. We decided, at nine months XXXX, to come home to XXXX where our family and friends were. We had gone through our savings making these XXXX large moves in under a year, we had no money. We stayed with a friend. When the baby was born he was born healthy, but we relied on a friend to provide the baby with clothing and diapers. We were on XXXX and food stamps. We could not afford to pay the bills.
We did start to get back on our feet and my husband was able to find work. This covered rent for our own apartment and a room for the baby. Unfortunately the baby was not reaching his milestones and at XXXX months old was diagnosed with XXXX. Since then we have been in XXXX, fighting for services and trying to help our son develop and reach his goals. At almost XXXX years old he is still XXXX. But we are getting there ... .slowly but surely.
We had to move from XXXX XXXX to XXXX when my husband was offered a better job. We are currently renting a home, the baby has excellent teachers working with him and he has made terrific progress.
As we are now back on our feet, we would like to rectify th
|
| 09/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I, XXXX XXXX makes a claim against Midland Credit Management , Inc., and the law firm of XXXX XXXX XXXX , XXXX that they have now shown proof that they are using deceptive collection practices to collect on a judgment that was never legally procured. This firm states that a debt was purchased by Midland Credit Management , Inc. in XX/XX/XXXX. It should be known that Midland Credit Management Inc., or MCM was essentially shut out of collection services in the XXXX XXXX boroughs and all of XXXX XXXX for several years for deceptive collection practices. I am filing a claim for damages with the Office of Attorney General in the state of New York against Midland Credit Management , Inc. under separate cover. Upon given notice earlier this year that I had no knowledge of ever being sued for summary judgment by the law offices of XXXX XXXX XXXX, XXXX, I was giving the truth. The current law firm was kind enough to give to me copies of previous letters from this law firm. What they did not submit were copies of these so called summons and complaints mailed to me XX/XX/XXXX and also left at my door. This is an outright fabrication and sending mailed notices or using a tag and nail service is not within strict guidelines under New York CPLR Section 308 ( 4 ). The tag and nail process is usually thrown out of court if challenged. However, I never received such a privilege. Attorney XXXX XXXX through his own words vindicates my position that I was never properly served or given mailed notice in XX/XX/XXXX. This judgment needs to be vacated and barred by legal timeline statute. XXXX XXXX states in the XX/XX/XXXX letter as follows : " On XX/XX/XXXX, service was obtained in strict? Accordance with New York 308 ( 4 ), which allows for the summons and complaint to be affixed to your door and then mailed to your residence. '' NOTE : " He claims that not only did they leaves a copy of the summons and complaint, but that they believed that I lived at that residence. I have no copies of the summons and complaint even though one was previously requested. Only collection letters from the previous law firms were submitted. I believe that no original service was either left at the residence in question or mailed prior to having a default judgment entered against me. '' XXXX XXXX states in the same letter as follows : " On XXXX XXXX, XXXX, we sent you a letter advising you that a judgment had been entered against you ( copy enclosed ), and this letter was not returned by the post office as undeliverable. '' NOTE : " Had a copy been mailed certified and accepted I would have known of such a judgment, but there is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, at no time have I ever lived at this address, received my mail at this address, had public =utilities in my name or a telephone service at this address. The law firm has shown no proof that I ever had any connection to this address, and their claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the original law firm on behalf of Midland Credit Management , Inc. is a fabrication, period. '' The Attorney General of the state of New York had recently obtained a civil judgment against this company 's parent for {$670000.00} for using such deceptive collection practices. '' This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
|
| 05/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I have a collecton company illegally and in fraud ( Asset Acceptance LLC, XXXX XXXX XXXX XXXX XXXX XXXX for last 6 yrs ( signature debt expires in 4years in XXXX-but i had a loan from XXXX finannce for a large amount signture loan no collateral- like revolving signature loan- the loan had insurance to payoff balance owed in case I lost my job which in effect occured-they collected the insurance_I had paid {$12000.00} in insurance premiums over a two-three years that I had the loan. At the time I lost my job the balance owed and covered by insurance was about {$6200.00} which they collected the insurance after they had me fill a formal claim for thir own insurance ( XXXX itsef was the insurer ) signed and claimed local XXXX office XXXX XXXX ( office closed about 5 years ago they did not credit the account correctly because we had dispute because they required that I go personally to a local XXXX State unemployment office to have the unemployment office issue a letter-The XXXX Syate unemployment bureau had closed all offices and did not issue or have any means for people to have a letter issued tothe effect XXXX required and who alreadypocketed the insurance money and set off the balance due. i had not contracted that I had to go to a local unemploymeny office that had been closed and tryto produce any document as condition to have them apply the insurance proceeds to the balance owed of XXXX from an original loan amount of $ XXXX no contract to that effect or anyother with XXXX or XXXX-the insurance stated that if I was incapacitated or that if I lost job balencae would be paid- while the dispute was ongoing they sold the account to a third party who in turn sold it to a the above XXXX collection agency Asset Acceptnce LLC based in XXXX XXXX- who have been hounding me for last 6 years- way over the statute of limitations for The State of XXXX for signatur loans and trying to collect a debt that was paid off by insurance to XXXX_ I have sent them a few certified letters to effect thatI did not contract anything with them ( Asset Acceptance LLC and thatI had no debt with them and that they produce under UCC or contract law evidence of my debt with them in way of a contract or other negotiable instrument that I may have signed in their favor-they did not produce any documents-I gave them opportunity to come up with evidence or else underStatute of frauds they owed me the amount claimed as required by UCC or else under staute -my house has been vandalized and dociuments I may not have but I may have an old compuer fil with copy of a couple of the letters sent to them- The collection agency has continued to send a letter about XXXX every two years -which I believe is also illegal since I owe them nothing and they have accrued the balance to XXXX which I dont owe-i have sent letters to credit bureau in XXXX, experian notifying thm of this and they have etc and no reply and no resolution I need this to be resolved - i will at ths moment remind this agency that I did not take loan withtham and that I paid off the balance of XXXX from {$42000.00} to a balance of {$6200.00} and that thats small balance was paid by the " unemploymnt '' insurance XXXX finance forced me to have as a condition for the loan- I owe nothing then and owe nothing now The collection agency is Asset XXXX XXXX Michigan they dont show an address on their letterhead just a XXXX XXXX XXXX XXXX toll free [ hone number ( XXXX ) XXXX ext XXXX i never had account with this entity and they have created an accoutn infraud number XXXX I have never signed or consented tacitally or explicitly toany oral or written contract either to effect that I owe them anything thanks for Your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX Midland Credit Management , Inc .
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Selected Account XXXX I received part of the information that I requested, however the last charges that were made on this card were XX/XX/XXXX. You purchased this credit card debt on XX/XX/XXXX, after it was charged off XX/XX/XXXX. This debt was charged off over ten years before you purchased it. Now you are trying to collect a debt that is almost 16 years old. I have asked you from XXXX to provide me with a contract between your company and me with my signature agreeing to pay your company for this debt. In XXXX you harass me with phone calls almost every day until I wrote you a letter telling you to cease and desist. However, you are currently bombarding me with collections of letters, which I consider harassment and false reporting that this debt was written off XX/XX/XXXX.
I understand why you in the past refused to send me the information I requested, because of the age of the debt. However, you still refused to remove your fraudulent information from XXXX. Therefore, you leave me no choice but to report to your company all reporting agency.
I will be copying this letter Florida State Attorney Offices Consumer Financial Protection Bureau Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 approved on XX/XX/XXXX, is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines the rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Cc : Florida State Attorney Office, Consumer Financial Protection Bureau, and XXXX XX/XX/XXXXXXXX CERTIFIED LETTER Midland Credit Management , Inc. SECOND REQUEST XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Selected Account XXXX, XXXX YOU DID NOT REMOVE THE ATTACHED LETTER REQUEST FROM XXXX CREDIT REPORT. I disputed this with XXXX and they said you responded that the information was correct as reported.
I am requesting that you respond to my current request of a statement as to how the credit card went from {$280.00} to {$710.00}. You have 10 days from the date of your receipt of this certify letter.
I will be filing a lawsuit of Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 approved on XX/XX/XXXX, is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT continues to furnish an account to my consumer report without my written permission and without providing me with something in writing advising me of my option to opt out of any sharing of my private non-public information with any third parties. In reference to complaint # XXXX MIDLAND CREDIT MANAGEMENT claims a cease and desist does not pertain to credit reporting and that is incorrect. MIDLAND CREDIT MANAGEMENT has blatantly violated me by continuing to communicate with me after receiving a written Cease and Desist notice via certified mail. The Cease and Desist notice that I sent to MIDLAND CREDIT MANAGEMENT clearly states they must CEASE AND DESIST ALL COMMUNICATION WITH ME. The definition of communication via 15 USC 1692a is : the conveying of information regarding a debt DIRECTLY OR INDIRECTLY to any person THROUGH ANY MEDIUM. Therefore MIDLAND CREDIT MANAGEMENT has willfully violated me by communicating with me indirectly through the credit reporting agencies ( as a medium ) when they report a charged off account to my consumer report. I demand MIDLAND CREDIT MANAGEMENT to Cease any communication with me by deleting any reporting they may have done with XXXX, XXXX, and XXXX. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS! I have also filed a complaint with the XXXX XXXX XXXX and the Massachusetts Attorney Generals Office. I did not give MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. MIDLAND CREDIT MANAGEMENT has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
|
| 09/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from my employer that they were notified, during the pandemic that garnishment was issued to my employer by XXXX XXXX XXXX XXXX Badge No. XXXX that a judgement against from Midland Funding LIC in the amount of XXXX, XXXX. I appeared in court and sought legal assistance prior to XX/XX/XXXX, and once again I was not provided with the decision of the case until XX/XX/XXXX. During this time from XX/XX/XXXX, I was an essential worker and my employer was not able to give the time I needed to follow up on the case and after that my family and I contracted XXXX and my husband was out of work. Needless to say the garnishment that I was informed that was to occur on XX/XX/XXXX, did not occur until XX/XX/XXXX, when I received my check. I am unable to have a garnishment as I was already threatened by my employer that this garnishment would cost me my job. As stated a second garnishment an employee is not protected and at this point, I am unable to pay my rent and support my two children this is a true hardship to my family and I. I am also confused why Midland Funding LIC is garnishing me on a judgment that I was not serviced and as per the description on the Affirmation in Opposition to Order to show cause the person that was served back on the date that is documented by Midland Funding LIC states on XX/XX/XXXX they served papers to a XXXX-year-old woman and I was born on XX/XX/XXXX, which makes me XXXX as of XXXX. I also can not understand why I was notified of the judge 's decision, on XX/XX/XXXX, during a pandemic, and my employer back on XX/XX/XXXX, threatened to fire me, and the only thing that prevented this was that the garnishment did not go through after XX/XX/XXXX. I am begging that this not occur as I will be unemployed and giving the fact that I am an essential worker the time I have is limited to fight again with my employer and filing an EEO complaint. So, Midland Funding LIC garnishment this time as of XX/XX/XXXX, will be cost me to be unemployed and this is very sad that this is allowed as from the start back on XX/XX/XXXX, I was not served papers, and the fact that I was already told by my employer that they will fire me given the fact that I am not protected, since this is my second garnishment, due to my husband is very unfair. I am trying to keep my families head above water and this is horrible as my kids just started getting their life back to normal that I will be homeless and jobless. This is horrible that Midland Funding LIC given the fact that Americans are barely able to survive would have taken a collection to garnish the weak population 's checks is inhuman. Just like I received the judges decision from XX/XX/XXXX, on XX/XX/XXXX, and surviving from XXXX systems that as of today I have is horrible. The way documentation is exchanged is unlawful from the start of XX/XX/XXXX. As I stated I do not owe this debit ; as per Midland Fundings records states why would payment to account XXXX have a payment made on XX/XX/XXXX {$140.00}, XX/XX/XXXX in the amount of {$30.00}, on XX/XX/XXXX another payment of {$36.00}, on XX/XX/XXXX payment 0f {$35.00} and four years later another payment was made on XX/XX/XXXX for the amount of {$36.00} and XX/XX/XXXX payment amount of XXXX if a garnishment is occurring how did I make payment as per Midland Funding LIC records state I did. Please also note that my paycheck is made out to XXXX XXXX, which is my legal name. Does it appear that Midland Funding LIC can not explain why I am being garnished for an account that it appears as seen in the attachment I made payments to? So, I am very concerning why I am being garnished for an account that payments were made and under the name XXXX XXXX.
|
| 09/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from my employer that they were notified, during the pandemic that garnishment was issued to my employer by Marshal Office XXXX XXXX Badge No. XXXX that a judgement against from Midland Funding LIC in the amount of XXXX, XXXX. I appeared in court and sought legal assistance prior to XX/XX/XXXX, and once again I was not provided with the decision of the case until XX/XX/XXXX. During this time from XX/XX/XXXX, I was an essential worker and my employer was not able to give the time I needed to follow up on the case and after that my family and I contracted XXXX and my husband was out of work. Needless to say the garnishment that I was informed that was to occur on XX/XX/XXXX, did not occur until XX/XX/XXXX, when I received my check. I am unable to have a garnishment as I was already threatened by my employer that this garnishment would cost me my job. As stated a second garnishment an employee is not protected and at this point, I am unable to pay my rent and support my XXXX children this is a true hardship to my family and I. I am also confused why Midland Funding LIC is garnishing me on a judgment that I was not serviced and as per the description on the Affirmation in Opposition to Order to show cause the person that was served back on the date that is documented by Midland Funding LIC states on XX/XX/XXXX they served papers to a XXXX-year-old woman and I was born on XX/XX/XXXX, which makes me XXXX as of XXXX. I also can not understand why I was notified of the judge 's decision, on XX/XX/XXXX, during a pandemic, and my employer back on XX/XX/XXXX, threatened to fire me, and the only thing that prevented this was that the garnishment did not go through after XX/XX/XXXX. I am begging that this not occur as I will be unemployed and giving the fact that I am an essential worker the time I have is limited to fight again with my employer and filing an EEO complaint. So, Midland Funding LIC garnishment this time as of XX/XX/XXXX, will be cost me to be unemployed and this is very sad that this is allowed as from the start back on XX/XX/XXXX, I was not served papers, and the fact that I was already told by my employer that they will fire me given the fact that I am not protected, since this is my second garnishment, due to my husband is very unfair. I am trying to keep my families head above water and this is horrible as my kids just started getting their life back to normal that I will be XXXX and XXXX. This is horrible that Midland Funding LIC given the fact that Americans are barely able to survive would have taken a collection to garnish the weak population 's checks is inhuman. Just like I received the judges decision from XX/XX/XXXX, on XX/XX/XXXX, and surviving from XXXX systems that as of today I have is horrible. The way documentation is exchanged is unlawful from the start of XX/XX/XXXX. As I stated I do not owe this debit ; as per Midland Fundings records states why would payment to account XXXX have a payment made on XX/XX/XXXX {$140.00}, XX/XX/XXXX in the amount of {$30.00}, on XX/XX/XXXX another payment of {$36.00}, on XX/XX/XXXX payment 0f {$35.00} and four years later another payment was made on XX/XX/XXXX for the amount of {$36.00} and XX/XX/XXXX payment amount of XXXX if a garnishment is occurring how did I make payment as per Midland Funding LIC records state I did. Please also note that my paycheck is made out to XXXX XXXX, which is my legal name. Does it appear that Midland Funding LIC can not explain why I am being garnished for an account that it appears as seen in the attachment I made payments to? So, I am very concerning why I am being garnished for an account that payments were made and under the name XXXX XXXX.
|
| 09/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On or About XXXX XXXX, XXXX I received a phone call from a representative of MCM who stated I have a Past Due account ready to be forward to their Legal Department to seek action and a Court Judgement for non-payment on a debt from XXXX. She asked for the Full Amount, which I dont recall the amount, to be paid. Note : On or about XXXX XXXX, XXXX I suffered severe physical side effects and memory loss due to my second XXXX just days before the MCM collection agent call. ( Documented by XXXX XXXX XXXX XXXX, CA XXXX. I was home recovering when I received the XXXX XXXX phone call from MCM. I was very confused and had difficulty speaking since my XXXX, I advised the caller I did not understand how I could have a debt from XXXX and not be notified or have made payment arrangements previously. When I asked why I had no knowledge of this debt, the XXXX I spoke with said, we havent gotten around to it, or something like that. She did inform me if there wasnt a settlement for a slightly lesser than the full amount due or payment arrangements made today, they would forward my account to XXXX today, they would notify credit bureau of the unpaid debt and I would not be able to make any payment arrangements or something like that. I became more confused and began to cry as I did not understand I had any debt and felt threatened that I had to pay in full or make payment arrangements today, even though I did not understand or comprehend the XXXX debt now being sought today. Note : XXXX XXXX or XXXX were not here at the time of the call to assist with any decisions.
I informed the MCM representative I could not pay the debt in full or the reduced amount she mentioned in full on that day. I also informed her of my recent XXXX just a week ago and that I did not understand the debt. She again repeated the file would be forwarded to XXXX if not resolved today. In order to prevent the XXXX XXXX and a court judgement mentioned by the MCM representative, she asked me for large payments over {$300.00} a month with a larger payment now. I told her I do not have that kind of money, as I have a fixed income since my strokes. I felt pressured to make payment arrangements of {$100.00} a month that day using my XXXX XXXX, as I feared XXXX XXXX and was too confused and pressured to fully comprehend the phone call. Additional future {$100.00} payments were scheduled for the XXXX of each month to be deducted from my XXXX XXXX.
On or about XXXX XXXX, XXXX I suffered a third XXXX making me more immobile, confused with even more memory loss, ( documented with XXXX XXXX XXXX XXXX, CA XXXX. Sometime in XXXX XXXX I received information from MCM regarding the account overview which I had requested during the XXXX phone call. I do not recall seeing the envelope, or opening it, but it was later found in XXXX XXXX while my husband was reviewing information for taxes, he came across the MCM {$100.00} Debit Charges on our " Bank XXXX '' and asked me about them. I informed him I was making payments on an old account from a long time ago that I was called about earlier in the year. He then asked me for more information, which I did not have or could not remember and became extremely upset and cried.
XXXX XXXX, XXXX my husband found the paperwork MCM had sent in previously that I had mis-placed in a stack of medical bills. After he reviewed the paperwork my husband informed me there may be an issue with this XXXX debt and MCM collecting payment in XXXX, six-yers later? He believes the CA XXXX of Limitations regarding XXXX XXXX XXXX have expired prior to MCM demanding payment. Can you please review the paperwork and provide follow up information? Any assistance with this matter would be greatly appreciated.
|
| 04/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
After calling numerous times daily at all hours for years ( since I was laid off in XX/XX/XXXX thanks to COVID ) after numerous requests to stop calling, XXXX and their agent Midland Credit Management XXXX Encore Capital Group of XXXX XXXX CA called this morning ( XX/XX/XXXX ) from a fake number from XXXX area code XXXX from Minnesota. I answered the call thinking it was regarding my job applictions, the moment I said hello the person said they are calling for XXXX XXXX about a potential lawsuit. I asked if she/he/they were an attorney they rerfused I ended call. I called back person who answered gave me the company name and address but refused to give me their California bar #, confirm if they have a California Bar #, confirm is they are even licesned to practice law in California or let me speak with an attorney there based on the threat of litigation. I mentioned violating US FDCPA and California XXXX.
This apears to be the continuatio of a pattern that the New York State Attorney General, the US DOJ and CFPB have already sued them and prosecuted them for in the past. When individuals repeatedly break the law the go to jail and eventually get 3 strikes Background : In XX/XX/XXXX, New York State Attorney General XXXX XXXX sued Encore Capital over unethical practices and forced Encore Capital to pay a {$670000.00} penalty and vacate more than XXXX court judgments against borrowers.
In XX/XX/XXXX, both Encore and XXXX XXXX XXXX, the United States two largest publicly held debt buyers, were charged with violating the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act by filing " lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. '' The Consumer Financial Protection Bureau imposed an enforcement action on Encore Capital for pressuring borrowers " to pay with false statements, with lawsuits and with the use of using so-called robo-signed court documents. '' According to XXXX XXXX XXXX XXXX Encore paid " {$42.00} XXXX in consumer refunds and a {$10.00} XXXX penalty '' and an injunction to " stop collections on debts totaling more than {$120.00} XXXX. '' Suggsed reolution ....
Stop threatening people with non existant litigation stop violating US FDCPA and CA XXXX like they have been apparently since before XXXX.
" Justice '' maybe?
Criminal prosecution against their President, XXXX XXXX, XXXX XXXX XXXX CEO XXXX XXXX and whomever is still encouraging employee to continue violating state and federal laws. It time we actually start holding corporation accountable like we do individuals. They should not be above the law and allowed, as a large powerful corporation with {$1.00} XXXX in assets, to do anything they wish violate all of our laws and get wealthy doing so with no serious consequences or repurcussions. Apparently the fines of {$52.00} XXXX ( 3 % ) were insufficient as a deterrent for a {$1.00} XXXX company. That was merely a traffic ticket for a {$1.00} XXXX company. Like in the XXXX financial crisis with massive fraud and robo signing fraud NO ONE is going to jail. Why? I though " corporations are people too '', well people go to jail, then they can go to jail too right?
Are these criminals above the law? It seems there are two systems of " justice '' in the United States now. One sustem of justice for the weatlhy oligarchs and powerful corporation and a different ( seperate but UNEQUAL ) system of justice for us serfs and peasants. Modern slavery. We are the XXXX and XXXX Bank, Encore Capital Group are the modern plantation owners and XXXX XXXX and XXXX XXXX manage the plantations.
|
| 06/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
Midland Funding, LLC/XXXX XXXX XXXX, XXXX.
With respect to a XXXX account in XXXX, in which fraudulent charges were made in connection to a internet hacking scheme, which XXXX XXXX investigated, and informed me I was not liable for charges made in the tune of {$3200.00}, and account was closed.
Somehow closed account was included in the sale of junk debt accounts to Midland Funding, LLC, and Midland Funding, LLC hired XXXX XXXX XXXX in XXXX XXXX, LA to collect the junk debt account.
Upon contact by XXXX XXXX XXXX, XXXX back in XXXX, I explained the nature of the account balance, and determination by XXXX XXXX, I didn't owe the balance due to fraudulent activity, and account was closed. I requested a cease communication from Midland Funding, LLC, as well as XXXX XXXX XXXX, XXXX in connection with the debt, I did not owe.
In XXXX, XXXX XXXX XXXX, XXXX, sought a Summary Judgment on the XXXX XXXX junk debt account, in the neighborhood of {$5000.00}. The court venue used was a City of XXXX, LA small claims court, that does not have legal jurisdiction over interstate credit account matters. This is a local city court, with jurisdiction over local city laws. The judge in this city court granted Midland Funding, LLC/XXXX XXXX XXXX, XXXX a summary judgment on this case, which was typical shady Louisiana backroom politics.
I refuse to pay a debt I do not owe, on a account that was reviewed by XXXX XXXX, and determined, I did not owe the fraudulent charges, regardless of the underhanded tactics used by Midland Funding, XXXX and their legal agent XXXX XXXX XXXX, XXXX.
Midland Funding, LLC and XXXX XXXX XXXX, XXXX continue to use underhanded, and illegal tactics to stalk my employment, and contact my employers with garnishment letters obtained through various Sherriff 's Departments in Louisiana, such as XXXX XXXX XXXX Sherriff 's department, and XXXX XXXX sheriff 's department.
Midland Funding, LLC and XXXX XXXX XXXX, XXXX are taking the XXXX, LA city court judgment, who legally had no jurisdiction over the matter, and is using political connections with outside sheriff 's departments to draft and process Garnishments that appear as a legal ruling from the XXXX district court, and XXXX district court, which is not the case.
XXXX XXXX XXXX, XXXX as legal Agent for Midland Funding, LLC is using cyber stalking tactics to stalk me, as well as my current employment, even after being notified to cease and desist communication in connection with this junk debt account, which also entails stopping communication with my employers, and using these shady misrepresented Garnishments presented as rulings from Louisiana state district courts, which it is not.
XXXX XXXX XXXX, XXXX is stalking my employment using XXXX credit reports, as well as XXXX " XXXX XXXX XXXX " service which gives Employer members the ability to see where applicants have applied for a job. I have placed a freeze on XXXX releasing any information on my file to 3rd parties credit report or " XXXX XXXX XXXX '' file.
I would like the Federal Consumer Protection Agency, to make Midland Funding, LLC and their legal agent XXXX XXXX XXXX, XXXX to abide by Federal Law, and cease and desist communication concerning this junk debt account, which includes contacting my employers with deceptively obtained and presented Garnishment notices. I would like the Federal Consumer Protection Agency to advise Midland Funding, LLC and XXXX XXXX XXXX, XXXX to stop cyber stalking my employment. The only way, they could know my employers, is by using various underhanded means to obtain that information, because I have not disclosed my employment to them. I also do not disclose my employment on social media.
|
| 11/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been trying for over a year to have an account removed from my credit report. The account was first reported negatively XXXX XXXX. I have tried disputing it through the XXXX major credit reporting agencies, to no avail. The collection company keeps changing the reporting date year after year. I have sent them actual copies of my credit report showing it being reported in XXXX XXXX. Nothing I have tried has worked. I have to accounts with this company, both are in violation of my rights. This was a credit card debt and it has been reported negatively now for almost eight years. Midland Credit Management , Inc., most recent action is they have " sold '' my account to a credit collector with a different name but I have reason to believe they are the same company. Every year they change the first reporting date. I believe it is currently being reported as the first negative reporting starting in XXXX. So I am now looking at this negative reporting being on my credit reports for 20 years! My only choice if you can not resolve this is to take them to small claims court or spend more money and put an attorney on retainer. I have spent money getting legal advice on this matter. I have suffered financially already and I can not continue to spend and lose money trying to have Midland Credit Management , Inc., follow the law. I am hoping you can help me resolve this and finally get it removed from all credit reporting agencies. I have last been in contact with them on XXXX XXXX, XXXX as well as the new company XXXX XXXX , XXXX, on XXXX XXXX, XXXX. I have copies of all correspondence, replies, as well as the copy of my credit report showing the first reporting date as being XXXX XXXX. Among other things they made a separate entry as well as the original creditor entry to continue on my credit report. So I have the same account reported negatively XXXX. ( XXXX XXXX & XXXX ) and again ( pages XXXX & XXXX ). You can also see how they change their own reporting dates, during different report dates, and with different reporting agencies. A great example of how bad they report the facts are on page # XXXX. They show the account opened on XXXX/XXXX/XXXX but show my first delinquency on XXXX and then my first major delinquency on XXXX. They opened a collection account that I was able to be delinquent on a year before it was opened? Then they show the last payment made on XXXX, yet if you look through all of their entries on all pages there is no credit for any payment being made. You can see on page # XXXX the account was opened on XXXX/XXXX/XXXX. On page # XXXX you can see a late payment reported on XXXX. But on XXXX # XXXX ( the exact same credit report ) they put the account as being opened on XXXX XXXX, first reported XXXX, and my first delinquency as XXXX. Then on XXXX # XXXX they show it as first being reported on XXXX. With every credit report I get, year after year they keep renewing the account, and changing the dates. Its already past the statute of limitations and I have recent letter from MCM ( on another account I have with them ) that I am trying to resolve at the same time as this XXXX, and they admit that. If the Statute of Limitations is up on a debt how can they continue reporting the debt? Because it 's up on this debt too, I brought that to their attention in my last letter. This was their response ... " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid ''. For how long? 10, 15 or 20 years? Now they have sold it to someone else it all starts over again. PLEASE HELP!
|
| 01/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I HAVE BEEN GOING BACK AND FORTH WIT THIS COMPANY SINCE XXXX OF LAST YEAR. HEY TRIED TO PIN A XXXX XXXX XXXX XXXX ACCOUNT ON ME A MONTH BEFORE BUT AFTER NOT BEING ABLE TO VALIDATE THEIR DEBT THEY CLOSED THE ACCOUNT OUT AND CEASED ALL COLLECTION ACTIVITIES. ABOUT A MONTH LATER THEY CAME BACK WITH THIS SAME NONSENSE WITH ANOTHER ACCOUNT. SO SINCE DAY ONE I HAVE BEEN ASKIG FOR COPIES OF APPLICATIONS AND STATEMENTS SHOWING PAYMENTS AND WHERE THEY WERE COMING FROM. THE ONLY THING I RECEIVED WERE SOME LETTERS THAT MIDLAND CLAIMED CAME FROM XXXX XXXX ( NONE HAD MY ADDRESS ON THEM ) AND A FEW STATEMENTS THAT GAVE NO REAL INFORMATION. SO I CONTACTED XXXX XXXX 3 TIMES TO CONFIRM THAT EACH TIME THEY WERE TELLING ME THE SAME THING. WITH THE HELP OF A SUPERVISOR THE ALLEGED ACCOUNT WAS RETRIEVED AND I ASKED THE SUPERVISOR IF THEY HAD SENT THESE LETTERS TO THE PERSON LISTED ON THE LETTER AND SHE ASKED ME IF THEY WERE PRINTED ON XXXX LETTERHEAD AND IF THEY WERE DATED. I ANSWERED HER QUESTIONS AND SHE TOLD ME THAT THEY SENT ONE LETTER AND THAT THEY WOULD NEVER SEND OUT ANY INFORMATION AFTER THE SALE OF AN ACOUNT BECAUSE THEY NO LONGER HAD ANY RESPONSIBILITY TO IT. AHE TOLD ME THAT THE SECOND LETTER DID NOT COME FROM THEM AND IT HAD TO BE SOMETHING THAT MIDLAND WROTE AND USED THEIR LETTERHEAD TO DO IT. SO I CONTACTED MIDLAND AND TOLD THE LADY THAT I NEEDED THEM TO SEND ME ORIGNIAL COPIES AND I ALSO REPEATED TO HER WHAT XXXX XXXX HAD TOLD ME. SHE WAS NASTY AND SAID THAT SHE COULD NOT SEND ME ANYTHING BECAUSE I HAD A CEASE AND DESIST ON MY ACCOUNT. NOW MIND YOU THAT MY CEASE AND DESIST WAS FOR THEM CALLING ME AND IT HAD NOTHING TO DO WITH THEM SENDING ME VALIDATION OF THE DEBT. CONTINUED MAKING PHONE CALLS ASKING THEM FOR ORIGNAL DOCUMENTS AND NOT COMPUTER PRINT OUTS ALSO ASKING THEM FOR AN APPLICATION WHICH WOULD LIST PHONE NUMBERS, SOCIAL SECURITY NUMBERS AND ADDRESSES. BUT THEY REFUSED T SEND IT. SO THINKING I SHOULD TRY AGAIN I CALLED MIDLAND ON TUESDAY XX/XX/2018. ASKED TO BE TRANSFERRED TO CUSTOMER SUPPORT SERVICES I WAS SPEAKING WITH A GUY BY THE NAME OF XXXX XXXX. OR AT LEAST THAT IS THE NAME THAT HE GAVE. SO I TELLS HIM THE STORY ABOUT HOW I HAVE BEEN DISPUTING THIS AND THAT I WENT TO FILE A POLICE REPORT BUT HAD NO INFORMATION BESIDES SOME COMPUTER PRINT OUT OF A FEW STATEMENTS. AND THAT IN ORDER FOR ME TO FILE AN ACCURATE POLICE REPORT I NEEDED THE APPLICATION INFORMATION. BECAUSE SINCE THIS WAS THEIR SECOND TIME BRINGING UP SOME BOGUS ACCOUNT TO ME CLEARLY THERE NEEDED TO BE AN INVESTIGATION. THIS DID NOT GO INTO DISPUTE OR ANY OF THAT. THIS MAN DID NOT EVEN AGREE TO INVESTIGATE THE ISSUE. HE TOLD ME THAT SINCE THEY COULD NOT PRODUCE AN APPLICATION THAT I SHOULD GO ON THE FTC WEBSITE AND FILL OUT AN IDENTITY THEFT REPORT. I ASKED HIM WHY WHEN THEY COULD NOT EVEN PRODUCE A APPLICATION OR ANYTHING THAT HAD A SOCIAL SECURITY NUMBER OR PHONE NUMBERS OR ADDRESS. BUT BECAUSE THEY CAN NOT VALIDATE AN ALLEGED DEBT THEY WANTED ME TO GO AND FILE A IDENTITY THEFT REPORT. THAT IS NOT RIGHT. XXXX XXXX TOLD ME THAT WHEN THYE SELL OFF AN ACCOUNT THEY SELL OFF EVERYTHING! THAT COMES ALONG WITH THAT ACCOUNT. HE TOLD ME TO NOT ONLY FILE A FALSE REPORT BUT TO HAVE IT NOTARIZED AND SEND IT TO THEM AND THEY WOULD " TAKE CARE '' OF THE ACCOUNT. NOW I AM NOT SURE AS TO WHAT KIND OF GAME THIS COMPNAY IS PLAYING AND HOW MANY PEOPLE THEY HAVE ENCOURAGED TO FILE FALSE REPORTS BUT I AM NOT XXXX NOR AM I SLOW. THIS COMPANY IS DISGUSTING AND CROOKED. IT IS THEIR JOB AS A DEBT COLLECTOR TO PROVE THEIR DEBT NOT ENCOURAGE CROOKED BUSINESS PRATICES. I HAVE FILED A COMPLAINT WITH MY STATE ATTORNEY GENERALS OFFICE AND THE FTC AS WEL AS WITH CFPB.
|
| 07/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 10/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XX/XX/XXXX, I was sued in a civil case by XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC in the State of XXXX where I resided in the amount of {$2200.00}. In XXXX of XXXX, Both XXXX XXXX XXXX XXXX and I came to an agreement of me paying {$75.00} a month. In XXXX of XXXX, XXXX from XXXX XXXX XXXX sent a Quartely Ledger which shows my payments from XX/XX/XXXX to XX/XX/XXXX. Which I paid each month on time. In XXXX of XXXX I moved to the State of XXXX, In XXXX of XXXX after making a payment and discuss negotiation pay-off {$1400.00} with Representative XXXX of XXXX XXXX XXXX at this point informed me that they would have to close the case since I no longer reside in XXXX which means my case would return back to original creditor Midland Funding LLC.
In early XX/XX/XXXX I made a phone call to determine account balance and negotiation of payoff. I was informed by a male Rep, that they just received my information and for me to call back in a week or so. A week later around XX/XX/XXXX I called and asked about my account again. I was informed by a male rep, they are still working on my file and have not got payments or account setup yet and will be working on it. I would receive a letter with all information from Midland Funding regarding my account. I also verified my mailing address which the male rep stated they had on file. I informed them I needed to speak with a rep to make payments and negotiate a payoff. I was told not to worry and wait until I get a letter in the mail. As they can't take payment since I have no account setup.
On XX/XX/XXXX I mailed a certified letter regarding closed account from XXXX XXXX XXXX XXXX XXXX XXXX I also enclosed a payment of {$20.00} which I insisted of a payment plan since I have not received a letter from Midland Funding, XXXX on my account being returned to them, new account number, or blance.
As of today XX/XX/XXXX, I called at XXXX to speak with them regarding my account once again. I male Rep, ( I did not get his name ), asked me for the account number which I gave him and informed him the account was closed from a previous agency XXXX XXXX XXXX, XXXX. They male Rep asked for my Full SSN, which I told him I did not want to provide. He then asked for my phone number which I provided and asked for my full name which was given. He then states, if he could not determine who I was he could not tell me about the account. Then he goes into his spill of this call is to collect a debt. I informed the rep, well you have my phone number and name and if you dont have an account setup can I provide you with my address? He breathe heavy in the phone and said, can you give me the last four of your SSN. I told him, I would rather not and did he locate me by my phone number. He then said, the was going to put me on hold.
He never came back on the line and the call went to an option to leave a message.
I called back at XXXX I got the regular options, then the phone went silence and then it went back to the option to leave the voicemail.
XX/XX/XXXX '' At XXXX I made a call to XXXX with XXXX XXXX XXXX XXXX request a ledger with all payments made by me and document of closure notice. Midland Funding, LLC has not worked in good faith to provide me a letter with new account information, balance or statement of account being returned to them, and the process I need to take to make payments.
XX/XX/XXXX : At XXXX XXXX from XXXX XXXX XXXX called me and stated, '' I can't provided you any records of your payments becuase the file is close and has been sent back to Midland Funding , LLC. There is nothing I can do on my end about your rest because they are not in XXXX ''.
|
| 07/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX MIDLAND FUNDING, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX, ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XXXX of XXXX I made a payment of {$69.00} to XXXX. My balance was {$79.00} before payment so my XX/XX/XXXX balance should have been {$9.00}. But when I logged into XXXX account in beginning of XXXX it showed my balance as {$52.00}. I sent XXXX an email asking what these charges were for because I didn't buy anything else. I got a confusing answer so I called and spoke with a XXXX rep. She too gave no clear answer as to what these charges were for. I told her I wasn't paying until they fixed my bill. She got angry and hung up on me. I contacted XXXX online directly after hoping this would fix the problem.
Sometime later, not sure when, I get a letter from a collection agency saying I owe XXXX over {$1600.00}! I thought they were tacking on {$1600.00} interest and told them I wasn't paying it.
I got serious about my credit report starting XXXX of XXXX.This is when I discovered that XXXX basically said I only paid for one order and didn't pay for the other 4. Right. Like they are going to let me keep placing orders if I didn't pay for the previous ones. I have been trying to get this collection account and negative XXXX off since then. Midland Credit won't validate the debt like I asked. They keep playing games and say they are unsure of what I am disputing or that I need to get a statement from police department for identity theft. They won't remove it from credit report and keep reporting twice monthly to credit bureaus and trying to collect.
I disputed through credit bureaus and investigation ends with " Info reported verified as correct ''. I contacted XXXX rep and told them nothing was validated so how can info be correct? She said they don't have to send docs to XXXX because they are a 3rd party. So Midland Funding can lie and say they verified.
Then I contacted Kansas Attorney General 's Office and after everything I gave them they said there wasn't enough info to investigate XXXX after they contacted XXXX. XXXX sent KS AG a typed word doc with everything I bought, the dates purchased, and the amounts. But not the actual account statements because that would also show the credits to my account. I think this should have been an obvious red flag to KS AG. Where are the account statements showing my balance growing every month? Past due statements where they are chasing me down for money? They don't exist because I paid them all but {$10.00}.
XXXX also told KS AG that the last purchase I made was in XX/XX/XXXX. If my balance was {$52.00} in XXXX ( even with bogus charges ) and I never made any purchases after that, how could I owe XXXX over {$1600.00}? But even after pointing out the obvious, KS AG looked the other way. So I just contacted XXXX myself yesterday and asked them for all of my account statements from XX/XX/XXXX - XX/XX/XXXX. They told me they are unable to honor my request because they sold the account and to contact Midland Credit Management. No one will validate or give me account statements but despite all of the disputes all I got out of this was my credit score dropping 3 times for trying to correct this.
I actually found 2 emails that I sent to XXXX in early XXXX which is how I know what my balance was and how much the bogus charges were. If you give me an email address, I will gladly forward them to you.
Plus I will attach the bogus statement that Midland has attached to my file. The accounting is so bad, the numbers don't add up and the statement makes no sense. I also attached a Sample XXXX Statement to show what a XXXX statement actually looks like.
I want this bogus information removed from my credit report. From XXXX and Midland Credit.
Thank you, XXXX XXXX
|
| 08/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away.
1. Offer proof of the debt, such as real accounting.
2. A signed invoice serving as proof of their claim against you.
3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.
This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client XXXX XXXX that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of the alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Midland Credit Management in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information back.
Best Regards, XXXX XXXX XXXX
|
| 01/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed accounts that are not correct. With all bureaus more than one time.
XXXX XXXX shows two accounts. One account they have under XXXX XXXX. The next is under Midland. This should not show for two open accounts for one account. This is done maliciously to hurt the credit score. To manipulate the credit score and worsen the chances for future jobs and credit. This keeps me from being able to rebuild my credit to borrow money to pay off the original collection of XXXX. That they show is over double the original maximum credit amount of XXXX. I only received XXXX and the rest was more interest and fees to bring up to XXXX.
Midland and XXXX XXXX uses this tactic to show I opened another account.
Also It should not show the full amount due, in the payment box. It still shows the monthly payment due on XXXX XXXX. Then it shows again on the second account with over double the maximum credit limit of XXXX as my monthly payment amount due for the monthly payment.
It is not right to show I have opened this second account. Only one account should show for one account due. This is a tactic to worsen score by showing a huge amount due in the monthly payment box. For a new account that I never authorized to open.
Also it hurt the credit score worse for showing over the credit limit and shows I am at maximum of credit limit. Which also looses points.
I can not get any loans with these monthly payments showing huge monthly payments, over the limit or at the limit on new account they created to do this. If XXXX XXXX decides to sell this account. Only XXXXne account should show. Now it shows as a charge off on credit one account. Then it shows as another new opened account with midland.
Showing two accounts in the charge off, over limit, inaccurate monthly payments, inquiry, collections duplicated etc.
This really hurts a consumers credit score showing a new account being delinquent.
I lost my job at bank, due to these multiple accounts being duplicated. I can not get another job in my industry and I can not get any loans to pay these off. Because XXXX XXXX and midland are making the score drop dramatically by showing a new account being in collections and past due for a huge amount monthly.
I believe this is unfair and unethical business practices. They know this will cause the score to drop much farther. Than if it just showed one delinquent account. XXXX XXXX shows R9 chargeoff and reported through XX/XX/XXXX. But midland shows they started duplicating the reporting XX/XX/XXXX. This has been killing my credit for several years and does not allow me to enter back into my occupation. They reported both accounts at the same time.
I believe this is fraudulent behavior. It is inaccurate information and is using credit reporting agencies to manipulate their system for using unfair and unethical business practices to put the consumer in a worse situation. XXXX XXXX continues to send me preapproved offers for another new account. This is unfair that credit one is trying to do this again to me. The interest rate was initially over 20 percent daily compounded interest which equates to over 30 percent. With the fees they added. The initial debt was XXXX. This is really unfair to give a consumer XXXX. Then to force a person to pay XXXX. Now they send me offers to do this again and continue this scheme for the rest of my life. So now they want me to borrow another XXXX. To pay toward the XXXX.
I believe this can be a class action lawsuit. I see many bad things with this behavior. I have disputed with bureaus and both of these accounts show they are not going to correct this behavior.
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I submitted XXXX year ago a complaint ( I can not find link to login to my reports account on CFPB ), but you can review it on my account.It was about XXXX Card, account. We had a miscommunication in XXXX with XXXX XXXX Bank credit card, and I missed payment, they filed with credit agencies. The XXXX Bank reported me to XXXX Credit Report Agencies. At the time I was unable to pay for this debt, but now I can.
I subscribed again to XXXX XXXX ID protect what gives to me XXXX credit reports in once, with scores.
And I see that in XXXX BANK has a negative account for me. collection account they said, and it is {$990.00} But they sold my account to another company, MIDLAND CREDIT MANAGEMENT INc. and now this company filed negative account just the same as XXXX BANK did.
But It is illegal ; if XXXX BANK sold my account to MIDLAND CREDIT Mngt the secondary company can not report me to the credit bureaus anymore.
The reason I know about it is because in XXXX I filed XXXX to stop foreclosure. In XXXX there were credit cards including XXXX card. which later sold this debt to a company in XXXX and XXXX in XXXX did not post this BAD debt ( Bought as bad debt from XXXX in XXXX ) on my credit reports.
Is it legal, that the company who purchased Bad Debt, will post it as BAD CREDIT for me? Because After Midland Credit Mngt co mailed to me a letter about to collect {$990.00} XXXX from me. for the debt to XXXX BANK XXXX ( XXXX ) XXXX, I paid it off on XXXX XXXX XXXX. The Midland Credit mngt said that they mailed to me PAID OFF letter.
I do n't have " PAID-OFF '' letter from MCM yet, but I have a text message from XXXX bank about PAID OFF to Midland Credit Management, INC..
My question is : XXXX BANK XXXX ( XXXX ) XXXX sold my bad not collected by XXXX BANK XXXX ( XXXX ) XXXX debt for profit to MCM.
XXXX BANK XXXX ( XXXX ) XXXX posted negative information on my credit reports.
After MCM assumed ownership of bad debt account, they also posted derogatory information on my credit reports.
Are they allowed to buy bad credit with intent to post another derogatory information about me? because once MCM BOUGHT it from the XXXX ( XXXX ) XXXX, the XXXX ( XXXX ) XXXX got paid for my bad debt.
And now MCM got paid too but it is only XXXX company who is allowed to post negative information not XXXX and MCM got paid by me immediately.
What can I do?? Is it legal what they are doing?
I called to MCM today and asked why they posted negative information about me on Credit Reports? Because they send me a letter, they threatened me with lawyers and courts and legal action, I called them back and paid in full right away- and yet they posted negative information about me anyway.
The XXXX ( XXXX ) XXXX is not XXXX company they are from XXXX but do business in California and Nevada.
the MCM belongs ( I was told today ) to ENCORE CAPITAL, wich is listed on XXXX I was told to day. But when I calledto XXXX number, for MCM in XXXX XXXX -it is forwarded to XXXX .
People who answer are XXXX or XXXX but they are XXXX citizen and in XXXX so they use XXXX names for comfort to customers. I asked today if they are in XXXX? " XXXX XXXX '' he said his name was, laughed at me, and said no, not in XXXX but in XXXX.
I asked him : why did they report this account as negative? because they received paid off.
He said because they bought it fr XXXX ( XXXX ) XXXX as Bad DEBT, they can list it as BAD DEBT.
I asked him : does he know if it is legal?
he said, that MCM is part of ENCORE CAPITAL. they listed on XXXX, and hung up.
please advice me what can I do?
Maybe I must hire LAWYERS to help me to fight this? please advice.
|
| 10/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed an account on my credit reports from a company called MIDLAND CREDIT MANAGEMENT that I had no business relationship with. MIDLAND CREDIT MANAGEMENT was attempting to collect on a an alleged debt in the amount of {$770.00}. I have had my identity stolen and sent MIDLAND CREDIT MANAGEMENT a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent MIDLAND CREDIT MANAGEMENT account with the credit bureaus. MIDLAND CREDIT MANAGEMENT however continued reporting this fraudulent MIDLAND CREDIT MANAGEMENT account with the credit bureaus. XX/XX/2023 I noticed MIDLAND CREDIT MANAGEMENT still reporting this fraudulent MIDLAND CREDIT MANAGEMENT account with the credit bureaus. I then sent MIDLAND CREDIT MANAGEMENT a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between MIDLAND CREDIT MANAGEMENT and myself and the original application for the account. MIDLAND CREDIT MANAGEMENT violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) MIDLAND CREDIT MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. MIDLAND CREDIT MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent MIDLAND CREDIT MANAGEMENT account XX/XX/2023 on my credit reports. I then sent MIDLAND CREDIT MANAGEMENT a FAILURE TO RESPOND letter via mail XX/XX/2023. MIDLAND CREDIT MANAGEMENT violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. MIDLAND CREDIT MANAGEMENT violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. MIDLAND CREDIT MANAGEMENT violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) MIDLAND CREDIT MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. MIDLAND CREDIT MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, MIDLAND CREDIT MANAGEMENT FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. MIDLAND CREDIT MANAGEMENT violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent MIDLAND CREDIT MANAGEMENT account XX/XX/2023 on my credit reports and it is still there as of this filing.
|
| 07/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Last XX/XX/XXXX was the last time that I told with Midland Credit, so the same day we have to do a complaint with the CFPB for one the account that we have with them ( complaint ID # XXXX ), and CFPB resent it to them, the same day on XX/XX/XXXX. Also, on XX/XX/XXXX they put in my credit report again that I owed {$23.00} to them, even they knowing that my wife told them the same day and XX/XX/XXXX that the check was for more amount that the payoff, that they also have to pay us the different, but they still don't want to find the copy of the check and see the account of the Bank to see that she was right, too difficult for them. Today, Sunday XX/XX/XXXX, seems that in an act of revenge, and very strange that they did it on a Sunday, this company, now with the name of Midland Funding, and with all the bad intention, and any excuse, wrote in my credit report " A Mayor Derogatory Status ''. This usually means that no payments have been made to a past-due account for 120 days or longer. In the last complaint that I mentioned, we added all the documents that we prove that we paid off XXXX XXXX, we asked for the money that they owed to us for the different of the check that we paid for more, and the letter of pay off. The other account that they have in my credit report we pay off in XX/XX/2020, with the same Company, and is for XXXX XXXX for {$340.00}. In fact, we received a check for them with a date of XX/XX/2020, as a different that we paid more again.
In another hand, in my credit report they have these two accounts with a schedule in where you can see all the payments history reported for them. In summary, we pay off both accounts, they still keep them in my credit report, they don't send the letters of pay off, they didn't send me the different amount in my favor for my first complaint, and now as a damage badly my credit with a really bad intention they put in my credit record this serious mayor derogatory. It is illegal and unfair, just because I did my complaint, which is my right and true the last week, and they received it already. They do not want to correct all these disasters, just want to still do things wrong. Further, I am disappointing and worry about how this Company is doing all this, because affect me and the payments of the Original Creditors : XXXX and XXXX XXXX. We did in XXXX a loan to clean all our credits, and this Company just think in damage forever our credit, and no fix the big problems and economic disorders that they have in their accounts, and paid the original creditors on time, they are with the Mayor Disorganization Status in their financial NO me. If they put on XX/XX/XXXX that the account of XXXX was not paid, why today they put this " a mayor derogatory status '? if BOTH accounts are payoff? Is clear. revenge and but intentions.
As well, seems to me, that this company has a serious economic problems, is not honest or something is going on in their departments, so I want to solution my credit reports and accounts to this problem and NO true statement in my credit report will be investigated. I would like to know if it is revenge for the company, the employees or both? The only what I know is that all this situation that we have not paid if FALSE, VERY WORRY and UNPROFESSIONAL.
I added all the information that I see today in my credit report, support documents, as the check that we received of Midland Credit on XX/XX/2020 for the different that we paid off for more that the total amount that we owed, for XXXX XXXX for {$15.00}. Finally, I want an investigation of my two accounts, and clean immediately all in my credit report.
|
| 07/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Last XX/XX/XXXX was the last time that I told with Midland Credit, so the same day we have to do a complaint with the CFPB for one the account that we have with them ( complaint ID # XXXX ), and CFPB resent it to them, the same day on XX/XX/XXXX. Also, on XX/XX/XXXX they put in my credit report again that I owed {$23.00} to them, even they knowing that my wife told them the same day and XX/XX/XXXX that the check was for more amount that the payoff, that they also have to pay us the different, but they still don't want to find the copy of the check and see the account of the Bank to see that she was right, too difficult for them. Today, Sunday XX/XX/XXXX, seems that in an act of revenge, and very strange that they did it on a Sunday, this company, now with the name of Midland Funding, and with all the bad intention, and any excuse, wrote in my credit report " A Mayor Derogatory Status ''. This usually means that no payments have been made to a past-due account for 120 days or longer. In the last complaint that I mentioned, we added all the documents that we prove that we paid off XXXX XXXX, we asked for the money that they owed to us for the different of the check that we paid for more, and the letter of pay off. The other account that they have in my credit report we pay off in XX/XX/2020, with the same Company, and is for XXXX XXXX for {$340.00}. In fact, we received a check for them with a date of XX/XX/2020, as a different that we paid more again.
In another hand, in my credit report they have these two accounts with a schedule in where you can see all the payments history reported for them. In summary, we pay off both accounts, they still keep them in my credit report, they don't send the letters of pay off, they didn't send me the different amount in my favor for my first complaint, and now as a damage badly my credit with a really bad intention they put in my credit record this serious mayor derogatory. It is illegal and unfair, just because I did my complaint, which is my right and true the last week, and they received it already. They do not want to correct all these disasters, just want to still do things wrong. Further, I am disappointing and worry about how this Company is doing all this, because affect me and the payments of the Original Creditors : XXXX and XXXX XXXX. We did in XXXX a loan to clean all our credits, and this Company just think in damage forever our credit, and no fix the big problems and economic disorders that they have in their accounts, and paid the original creditors on time, they are with the Mayor Disorganization Status in their financial NO me. If they put on XX/XX/XXXX that the account of XXXX was not paid, why today they put this " a mayor derogatory status '? if BOTH accounts are payoff? Is clear. revenge and but intentions.
As well, seems to me, that this company has a serious economic problems, is not honest or something is going on in their departments, so I want to solution my credit reports and accounts to this problem and NO true statement in my credit report will be investigated. I would like to know if it is revenge for the company, the employees or both? The only what I know is that all this situation that we have not paid if FALSE, VERY WORRY and UNPROFESSIONAL.
I added all the information that I see today in my credit report, support documents, as the check that we received of Midland Credit on XX/XX/2020 for the different that we paid off for more that the total amount that we owed, for XXXX XXXX for {$15.00}. Finally, I want an investigation of my two accounts, and clean immediately all in my credit report.
|
| 02/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Accounts # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
In XXXX, I saw a collections from Midland Funding LLC on my credit report. After I looked into Midland Funding LLC and who owns them, I realized what kind of company I would be dealing with. I called in an attempt to verify the debt and familiarize myself with the facts about this alleged debt. I was given the run-around and was hung up on after whoever I spoke to refused to transfer me to someone else.
After I did some more digging, I found records of a lawsuit filed against me in XXXX XXXX, XXXX that included a judgment filed against me for a debt upwards of {$2700.00}. This lawsuit was filed in XXXX and my little brother was served with the suit ; I filed an answer and after showing the clerk my evidence and explaining the situation, I was told that nothing else would happen with the case. Then, a judgment in XXXX was entered against me in XXXX -- two years later -- and I have no idea how this could be the proper venue. I haven't even minimal contact with the state of XXXX and have not lived there for five years, now.
I was never notified of this alleged debt in writing, by phone, or by any other means before a lawsuit was entered against my name in XXXX by Midland Funding. Obviously, I then lived and still live in XXXX with my wife and family. I looked at the court records and saw that this alleged debt is tied to a XXXX XXXX XXXX credit card that I never remember having. In fact, my wife and I have a XXXX XXXX credit card that we've had for years and it has always, with no exceptions, been paid on time. I'm really confused because the information I saw about the alleged contract with XXXX included my accurate name, social security number, and birthday. The only thing I can think of is that an employee of mine at XXXX XXXX could have opened a credit card in my name during or after my time of employment there.
Given that the alleged contract was signed in XXXX XXXX, XXXX, I contacted a family member who is a practicing attorney in that area and he is drafting a letter to Midland. I've also contacted a lawyer in XXXX who can help me navigate my next steps in either suing Midland or challenging the judgment entered against me in a state I didn't and do not live in. I'm glad to know that I don't have anything that they would be able to garnish/attach in XXXX, at least. If they were to try to domesticate their judgment here in XXXX, it would be a renewed opportunity for me to prove their missteps and abuse of venue ; my wife is a practicing attorney here who specializes in consumer law. The statute of limitations on this debt, allegedly from XXXX, will reach the five-year statute of limitations in XXXX of this year according to court documents.
I feel as if Midland 's operational attitude is oriented only towards collecting money, whether or not people actually owe it and by abusive means. They assume that people do not know their rights and count on this in order to get more money. They represent the absolute worst in capitalism, feeding on working class Americans who have neither the time nor resources to challenge them. Every lawyer I have consulted about this, in XXXX, XXXX, and XXXX, has told me that Midland Funding and affiliates are notorious for their predatory practices. I am sure that as this country progresses and continues to hold these businesses to account, they will be one of the first ones to go. I hope to be one of the voices that exposes them and their abusive tactics.
Currently, I am gathering all of the evidence supporting my aforementioned claims and working with my legal team to exhaust all remedies to this situation.
|
| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This complaint must be taken serious, as my rights under the Fair Debt Collection Practices Act were violated by a Delaware law firm. I plan on filing a complaint with the Delaware Office of Disciplinary Counsel, Supreme Court of the State of Delaware. I have attached copies of documents proving that I have had a working relationship with a XXXX XXXX known as XXXX , XXXX XXXX XXXX, XXXX through a third-party business. The attached documentation will prove that there was a successful negotiation between the parties on a XXXX XXXX lawsuit. This matter was settled in a professional manner. The same third party known as XXXX XXXX XXXX was working on two additional matters, both XXXX XXXX retail credit cards. Now here is where the problem starts. In the first place, the law firm of XXXX , XXXX XXXX XXXX, XXXX. continued with a lawsuit without my knowledge. The third-party representation submitted a limited power of attorney, copy attached. However, the lawsuits were being presented to this law firm without any evidence that the two credit cards were purchased. In XXXX of 2017 a US Supreme Court decision was handed down known as XXXX v. XXXX XXXX XXXX XXXX. This decision essentially strips all rights to a citizen that protects him/her with the Fair Debt Collection Practices Act ( FDCPA ). The decision claims that third-party ownership VOIDS the FDCPA. On face value it would appear that XXXX, XXXX XXXX XXXX, XXXX. would not have to protect my rights even during a debt mitigation process. Essentially, this firm moved forward with summary judgment on two credit cards, while my third-party was interested in settling, just as he did with the XXXX XXXX lawsuits. This complaint states that XXXX, XXXX XXXX XXXX, XXXX. has committed fraud against a citizen residing in the state of Delaware. My position is solid based upon the following criteria : 1 ) All of XXXX XXXX credit card debt portfolios are securitized, and currently the entire debt portfolio owned by securitized trusts sold within Securities and Exchange Commission guidelines is in the tens of billions of dollars. There has never been any research completed by XXXX, XXXX XXXX XXXX, XXXX. on debt ownership. Im certain all that this firm received was a letter from Midland Funding LLC that they acquired two credit card debts owed by XXXX XXXX.
2 ) The debt buying business is the largest scam in America against American consumers. Midland Funding LLC is up to its neck in current class action lawsuits and Federal Trade Commission complaints. Yet XXXX, XXXX XXXX XXXX, XXXX. filed lawsuits on debts not proved with a proper ownership chain. There simply is no way these credit card debts were transferred out of any securitized trust. XXXX, XXXX XXXX XXXX, XXXX. is committing fraud on all legal actions without proper due diligence of debt ownership.
3 ) XXXX, XXXX XXXX XXXX, XXXX. has now moved forward with a garnishment procedure with my employer, stating that any/all negotiations are off the table. This is outrageous.
4 ) XXXX, XXXX XXXX XXXX, XXXX. has asked for a fight, they will get one. Additional complaints will be filed and I will find a law firm interested in tying up XXXX, XXXX XXXX XXXX, XXXX. within a Midland Funding litigation.
5 ) XXXX, XXXX XXXX XXXX, XXXX. in the best interest of its firm must open up lines of communication to resolve the matters by negotiation while I am still interested in such a resolution.
Thank you for your cooperation in this matter, and a bar complaint is pending for one week only. Then I will no longer negotiate either directly or through an additional party.
XXXX XXXX
|
| 03/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My name is XXXX XXXX have been affected my covid and been going thru a legal desperation moved in with my father and have fallen behind on my credit cards. My XXXX XXXX was bought by midland credit. I would talk to them every month and get a settlement amount from them that was just too high and would let them know each month if my situation had changed. I finally was able to get help from a very close friend of the family who agreed to help me settle cuz I had helped him in the past. I explained that to midland and said please let me know what your best and final offer is and send me something in writing so then I can ssend to him and see if he could do.
I spoke to a very nice person XXXX and she got my settlement amount down to XXXX told me that I would get an email confirming this and so that I can give to my friend to see if this was something he could do. I got the email and sent to him- he said he could do it. I tried to accept on line and had technical diff. Was told to call back and ask to speak with someone in the us and then ask for XXXX. In the meantime we lost our dad who was XXXX XXXX XXXX XXXX XXXX. Its been a very hard time for me.
I did call back when I couldnt log in on XXXX of XXXX and asked to speak with manager XXXX I instead got to speak with a guy. XXXX expalied that I spoke with the manager XXXX and that we had a settlement for XXXX he said he saw that and would send me another letter and he said as long as I paid whats due in full by the XXXX of XXXX I would be okay ( all good ) I thought I gave him a routing and checking account number but, they said they didnt have it but, I did write it down in my notes I gave it anyways being that I was going through a lot it could have been an unintentional misunderstanding but, I was told as long as it was paid by XXXX XXXX Im all good.
In the meantime please he friend that was supposed to help me informed me his dad passed and that he can do XXXX now but to see if he could get an extension for the {$390.00} So on the XXXX I called in and all the sudden was told that as of a couple days ago I was transferred to a diff Dept pre legal with midland- I explained what happened and they said now Im in a new Dept and they cant and wont honor that deal they first offered me a higher amount and then said they could offer me XXXX appx. I talked to XXXX and XXXX and they were nice but both couldnt honor the deal- I would have not know. I was in prelegal cuz I thought today they are taking the XXXX since its the XXXX and I only had called to see if I can get a small extention of the XXXX to find out that apparently my offer expired on the XXXX and what that guy had said is not going to be honored. I was super upset. XXXX told me they will upload the new offer good though the end of XXXX in the portal for me to take a look at and I had till the end of the month. I asked what do I need to do since this seems all to familiar just like what happ last time. She said Its good thru the end of XXXX. I tried to log in no offer was there and when I called back I could not get through for hours and then when they did transfer me to the us it disconnected. I really feel this has been unfair and I have been I. Contact and trying and I intensded to honor the first offer as I promiser but they would not take it and in turn sent me to lmtheir internal legal Dept threatening to send to local attorneys if I didnt take their XXXX offer this really isnt right. I feel that this should have been honored the XXXX of XXXX and even now the new offer is not even in the portal so this has been hopeless and Im really trying
|
| 05/23/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Now i received another letter, now is Encore collection company, this company sent a bill statement. I am dealing with this problem since two years ago, XXXX XXXX collecting was contacting me, now that I explained to XXXX XXXX collection, my bill was forwarded to Encore. I sent the bill as an attachment to consumer bureau email. My complaint sent to XXXX XXXX is not resolved. The dispute is not resolved since they are not removing the charges made by dentist XXXX from XXXX. XXXX XXXX said that they are trying to contact me but it is another lie since it is imposible to get on hold to somebody to talk to. Customer service always after made me explain the entire situation, transfer my call over and over. Today Monday, XX/XX/XXXX, i called them and i was transferred to XXXX different agents and after several minutes of explaining about the problem they transferred me to another and another without even saying why. XXXX XXXX just do n't want to do anything about the dispute. I had to contact the credit card bureau and that is why the financial charges were dismissed. However the main problem still exist because the original charges from XXXX still there, dentist XXXX is an arrogant person who broke a XXXX that did not need to be touch, it was a new XXXX, and he broke it with his tools while he was removing a XXXX, then i canceled the entire XXXX that was going to replace the XXXX, and XXXX refused to accept that. XXXX told me that i had to go in person made sign papework that he said was just stimates and refuse to refund what he already charged, XXXX, XXXX XXXX are on the side of dentist XXXX, because i was disputing the charges for already two years. I was physically abuse because he broke a XXXX without replacing it, scream and verbally assault me in his dental clinic by approaching to my face really close and yelled at me, saying a lot of offensive language, and saying accident happen. Accident happened but a dental professional need to be accountable for an accident or try to solve the problem or accept when a patience do n't want to be treated by him since his behavior is so violent. I was bully by XXXX XXXX and his staff. His administrator told me that I was going to model to XXXX. Make racist reference to my new dentist, and offensively spoke to me. XXXX offered to change the XXXX he broke but the enired deal was going to cost me another XXXX dollars, and i was afraid already and i just want it to run away from there. XXXX placed another XXXX, but that XXXX was already paid off by my XXXX, The main problem here, is that i cancel the crowns that it was going to replace the XXXX, that cost XXXX dollars. I canceled by phone and in person, and he refused to accept that. I never have the XXXX placed on me, and I do n't have the product on me. I can not solved this problem with XXXX XXXX because they are not taking me seriously. I just spend today hours of explaining and being transferring to deferents department, I just do n't want them to lie that XXXX XXXX are contacting to solve the problem, they are just ignore my dispute. I got a new bill from XXXX XXXX with the XXXX dollars and already charging more fees that came up to XXXX dollars. So it is a abuse after abuse first i have been abuse physically by being mistreated by a dentist who broke violently my dental crown, overcharging for a procedure he never did, verbally abuse me, and now XXXX XXXX are overcharging and refuse to dispute the overcharges that dentist XXXX made back in two years ago, XX/XX/XXXX. I am feeling unrightfully treated, abuse, and con and abused by dentist XXXX, and XXXX
|
| 02/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
In XXXX I lost my job because of an injury At my job I was paying a XXXX insurance ( XXXX insurance ) company XXXX that I was working if lost my job by any motive of illness or injury XXXX insurance will sent to me a check 66 % on my weekly paycheck. I send to them copy from XXXX form my doctor fill it up but the Insurance deny my claim even I although qualified with Doctor XXXX form did n't qualify my injury but if while working they collected money from the premium there if you qualify they like to receive but do not comply with the benefits. They began the credit cards called me and threatening me to get the payments or could n't send the payments because hardship time since that date they have harassed with threats to remove me from my house to put me on jail. I have fallen in a great XXXX since I lost my job and my husband has been sick most the time XXXX and admitted to the hospital XXXX many times. XXXX sent my debit to Midland Funding LLC and XXXX XXXX and XXXX and XXXX XXXX. law firm also works with this collection agency Midland Funding LLC also XXXX remove me from my house to put me on jail. I have fallen in a great XXXX since I lost my job and my husband has been sick most the time if I was not going to seek what was I own to them credit cards XXXX and XXXX .they were told me that if I had family here NJ or another State that request for money or also to a neighbor i need to asked for money to resolve the debts if not they could prosecute me and sue me, they told I need to do anything to get money and pay the debits to do anything to pay the debts and charges that they added to solve the issue of debt. In XXXX so I follow without work because my injury was serious my husband was still sick and to pay debts always received calls threatening me on my cellphone already XXXX that had no landline home phone ... Continued threatening me telling me that I had to do anything to pay the debt. Sent me with demands court papers so I answer but as I have been sick I have not been able to answer almost every day. My husband receives Social Security XXXX have saved money for their medications every month in XXXX XXXX Bank In here he receive his benefits payments. But XXXX with their sleight levy against my join account with my husband. My husband and I have accounts together where the he received benefits they took {$980.00} and the bank fee without return {$120.00} and they were at the XXXX XXXX XXXX took {$18.00} more {$81.00} with XXXX XXXX XXXX XXXX XXXX I called him several times that day knowledge He extract extracted from join account the money because no They did not report anything about it for nothing not received no notification only when already executed it ... I realized when check the account of my husband and on XXXX on the same day I was call Paralegal XXXX XXXX informed me a little information about it so I got XXXX XXXX XXXX than He works XXXX in XXXX XXXX information. But if I live in XXXX XXXX ... Why as an XXXX from XXXX XXXX did it I do not understand. I Call him the same day 3 times ... He call me back XXXX XXXX XXXX call me XXXX he explains me that I had which go to the Court to see if go to court to fill a form as soon as possible to recover the money. Since they are Social Security benefits. They left us with nothing in the Bank ... That money also was saving funeral. XXXX and XXXX ... engaged Midland Funding LLC and they have lawyers XXXX Address XXXX XXXX XXXX XXXX NJ XXXX phone XXXX They still are threatening me I 'm attach some documents. Also they 're damaging my credit bureaus reports in all XXXX agencies.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Upon Reviewing my emails, I had discovered I had received 2 emails on two different dates from a debt collection company. I then reviewed my credit report and at that time there was not anything reflecting on my credit report, from said collection agency. I sent a certified letter, and notarized letter on XX/XX/XXXX, I requested several pieces of documentation to prove validity of the debt listed below is what was requested.
1.The name and address of the original creditor 2. The original account number associated with the debt 3.The amount allegedly owed 4. Detailed information about the alleged debt, including the dates and amounts of all transaction history from the original creditor.if any interest or fees have accrued, please send proof that such fees are lawful and agreed upon in the original purchase agreement.
5.Any and all original documents and or contracts including signatures in their entirety including terms and agreements, demonstrating my obligation to pay this debt.
6.In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership.Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in chain.
7.Proof of your authorization to collect this alleged debt on behalf of the original creditor 8.Proof your company is authorized to collect this alleged debt in the state of Arizona, including your third party debt collection bond.
9.Proof of any attempts your company made to collect the alleged debt.
On XX/XX/XXXX I received a piece of mail with 3 pages of contents from what I believe is said collection agency as there was no return address on the envelope only on the one of 3 documents. The contents contained two bill statements from a credit card company, each single pieces of paper and its own document and the final piece was a very brief response to my request of validity.
" Dear *Censored* We understand that youre inquiring about or requesting documentation about the accuracy of our records concerning this account. After reviewing the information, you provided our account notes and information provided by the previous creditor with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX we have concluded that our information is accurate. We have also enclosed documents regarding the account. If you believe we have reached this conclusion in error, please reference the information below : We have received the following information from you : Account balance is incorrect Next steps : In order for us to further investigate your inquiry, please provide the following : Copies of contracts, bills, or statements, showing amount owed and an explanation of disputed charges Some additional information about your account : Dated opened XX/XX/XXXX.
Date of charge XX/XX/XXXX.
Current servicer, XXXX, XXXX XXXX XXXX XXXX XXXX.
Date purchased XX/XX/XXXX.
Original purchase balance- {$940.00} Accrued interest- {$0.00} Accrued fees- {$0.00} Total payments adjustment applied- {$0.00} Paid in full if applicable For additional information you may contact us online at midlandcredit.com. You may also call customer resolutions at XXXX. Please call consumer support services at XXXX if you have any additional questions.
Sincerely, XXXX XXXX XXXX XXXX XXXX " -- This response does NOT in any way validate this debt and the information that was sent is none of which I requested. The creditor also is now reporting this on my credit report, which based on my understanding of my rights breaks that liberty.
|
| 11/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I have attempted to contact Midland Credit Management regarding a debt they have placed for Collection with XXXX XXXX XXXX. I contacted Midland due to the Consumer Bill of Rights : Article 2 : Hardship, listed on their company website. I felt my situation fit the description of hardship, so I contacted them to resolve my account under that provision. Upon reaching my main contact " XXXX '' ( XXXX XXXX XXXX Office ) I was informed that since my account had been placed with XXXX XXXX XXXX, I would need to contact them for hardship.
I got a call from XXXX XXXX at XXXX XXXX XXXX and I informed him about the Bill of Right seeking to resolve my account. He stated I could submit anything I had, but he would tell the client I was refusing to pay. This call sent me into a XXXX XXXX. I contacted Midland to explain that I was n't receiving and information regarding their policy, XXXX assured me that Midland has a process for recalling account via hardship and that I would need to speak to them, but that she could send an email to investigate why I was n't receiving the hardship instructions.
XXXX received an email back saying XXXX XXXX XXXX instructed me to send in documentation of my hardship, but I had spoken to Supervisor XXXX XXXX ( Ext XXXX ), I had asked him explicitly if I needed to submit any documentation for hardship, he stated no. I recorded that call, which was not placed by me, but transferred from Midland directly to XXXX, by a representative named XXXX. XXXX told me that what I really needed to do was provide documents to XXXX XXXX XXXX, because they " ca n't not work any documents you provide ''.
I called XXXX XXXX XXXX after speaking with Midland again, and left a voicemail XXXX/XXXX/XXXX for XXXX XXXX at XXXX XXXX XXXX, desperately trying to find out if I do in fact need to submit documents, considering he had previously told me no and I have not received a call back as of yet. XXXX XXXX, and another representative from XXXX named XXXX, both informed me that there is a hearing set for XXXX/XXXX/XXXX in Conciliation court regarding this account, but XXXX has n't mentioned to me that I 've been sued.
I was previously contacted by XXXX XXXX XXXX on XXXX/XXXX/XXXX by XXXX XXXX who called to inform me that I owed a debt with XXXX with my ex husband, I was a coeditor, and that there is a judgement filed against me. She claimed she had spoken to my ex husband about payments and was now calling me to do the same. She stated that I could n't be found at the time of service and she would call back.
XXXX/XXXX/XXXX I called to speak to XXXX XXXX and talked to XXXX XXXX. He stated I could no longer validate or dispute the debt since the time was past for those actions. He stated I have a judgment against me and I had no options to prove I owe this debt.
XXXX/XXXX/XXXX I returned a call from XXXX XXXX. She stated that I owe this debt and when I asked what happens if I ca n't pay, she stated the attorneys will take legal action against me. I asked her what that might be and she stated she did n't know, it is up to the attorneys.
Following these disturbing collection calls I went to the XXXX County office and pulled the court documents, I was curious why the judgment was n't showing on my credit report. The judgment that was obtained for the case clearly states that the judgement is for my ex husband " ONLY '' though I am listed at the top of the paperwork.
I reached out to an attorney about this, but due to health issues I was n't able to pursue the case.
I have not heard from XXXX XXXX XXXX since regarding this debt.
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was a college student in XX/XX/XXXX, I had a XXXX cell phone which I owed a bill on and failed to pay. This debt was originally just under {$2000.00}, the exact amount I 'm unsure of. The debt was eventually charged off, and here is where my troubles began. XXXX has sold this debt several times, including being sold to Asset Acceptance , LLC. They have re-recorded this debt several times in order to stay on my credit, and even filed a judgement against me. They have garnished my wages and even garnished my bank accounts. I requested several times my original debt amount in which they have refused to provide me with. I requested they provide me with documentation of how my money has been applied to the debt through the garnishments they have waged against me. They denied my request and the amount owed has doubled since the original charge off. Although I can not afford an attorney I have been advised by a legal counsel that a charged off debt can not increase from the original amount. Not only has this debt increased but as stated before I 've been garnished amounts which have not lowered the amount owed. They have continuously taken my money and have not applied it to the debt owed. To insult me even more they have also increased the amount owed, I recently received a bill from Midland Credit Management in the amount of {$4400.00}. I am a victim of predatory collection practices and I do not know what to do. The fact that a judgement has been filed against almost gives them the right to do whatever they want while increasing my debt without providing proof of the actual debt. As stated before, when the debt was first charged off it was just under {$2000.00}. Not to mention when my wages was garnished in XXXX they took over {$1000.00}, and did not apply it to the amount owed. I do not know what else to do, I can not afford an attorney and they have legal counsel on their payroll. As recent as last year they garnished my bank account and took everything out of it. They served notice to my bank and my bank failed to inform me, I woke up in the morning to check my accounts to find a zero balance in my checking and savings. When I called my bank they gave little information in which I had to go to my local courthouse to find out what was going on. After a few weeks and contesting the writ of garnishment I was awarded my funds back minus legal fees. Every few years Asset Acceptance , LLC comes after my pay and or bank accounts, please note they have failed to provide me with a copy of the original debt. The amount I recently received is higher than the amount reported last year when they garnished my bank account. I called MCM and have been told they do n't have to provide me with anything. I have previously filed a complaint with the Federal Reserve against my bank XXXX on the way they handled my garnishment. Specifically their failure to notify me of the garnishment in which I received no help. I simply need help with fighting this debt, this company is steadily increasing the amount I owe and it seems there is nothing I can do about. They have resold my debt and with each company that purchases it the amount goes up. When I ask for a copy of my original debt I have been mocked by the phone reps I speak with. Please help me or provide with the outlets I can tap in order to help myself. I have researched Asset Acceptance and have found that they have several class action lawsuits against them from their collection practices. Again, I can not afford an attorney or go through the nightmare of waking up with no funds in my bank.
|
| 05/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I first received a letter from Midland Credit Management ( MCM ) on XXXX/XXXX/2014 offering to settle an alleged debt originally owed to XXXX Bank at a 40 % discount. I responded with a request for validation of the debt, both that a debt is owed AND that the debt is owed by me. MCM failed to provide the requested validation.
MCM did, however, exactly XXXX months later send me basically the same letter with the same offer. As they had failed to provide validation the XXXX time, and as the alleged debt would have been time-barred for legal action anyway, I replied again asking MCM to either prove the debt or cease contact.
Several weeks later, on XXXX/XXXX/2014 I received yet another letter from MCM. Finally, an acknowledgement of my dispute. The letter makes no reference, however, to the XXXX prior attempts I made to validate the debt, just to the dispute I had filed with XXXX XXXX, XXXX, and XXXX ( CRAs ) explaining how they were continuing to report the debt despite MCM having failed repeatedly to validate.
In this letter, they only blamed me and the CRAs, instead of addressing the issue at hand. They stated the CRAs did not provide them with specifics of why I was disputing the alleged debt. They did, and I had already provided them a list of reasons. The CRAs are reporting the account based on information MCM provides. For them to continue displaying knowingly false information, or information not permitted to be included in my file, is a FCRA and FDCPA violation. Likewise, for MCM to continue verifying this information to the credit reporting agencies after they have failed multiple times to provide validation is also a violation of the FCRA and FDCPA. They also, in the letter, ask ME to prove I do not owe this debt, either with receipts of a police report proving fraud. As with the reporting to and by the credit agencies, the burden of proof is not on ME. I am not claiming fraud nor identity theft. And I can not prove I paid a debt I do even know exists or is mine.
On XXXX/XXXX/2014 I received yet another letter from MCM. This time the letter includes : an open date of the alleged original XXXX account, the alleged balance due acquired by MCM, and a partial social security number. Please tell me that is not the best they can do as far as providing validation of this debt, as they have proven nothing?
On XXXX/XXXX/2014 I received XXXX letters from MCM.
The first asked for the contact information of my attorney. I do not have an attorney and do not need an attorney at this time. I have attempted several times to have documentation provided that this debt exists, that I owe it, and that MCM is legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately and continue to make efforts to collect this debt. The debt is time-barred from legal action, and any threat of legal action ( or actual legal action ) would be a violation of the FDCPA. What I wrote to them was that I was filing complaints with the BBB and CFPB, and if those complaints failed to resolve the matter, I would contact a consumer attorney to see what my right are.
The second, as MCM has done previously, stated that they do not have enough information to investigate my complaint. The letter has my name, was sent to my current address, and has MCM 's account identifier. And I have provided all the information previously. And they both update and review my credit files monthly, so they clearly have all the information they need.
|
| 10/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX is reporting a delinquent account for which I can not get them to provide proof that the account belongs to me.
I 've been married for over XXXX years and have been relying the finances and credit accounts of my husband and had no credit accounts in my name. Upon divorcing my husband and subsequently having to build my own credit, I found that XXXX XXXX had been reporting on my credit for years. I contacted each Credit Bureau and XXXX XXXX, attempting to get proof of the account. XXXX XXXX continues to report the account as accurate to the Credit Bureaus and have only sent to me the same information that they had been reporting to the Credit Bureaus. I 've followed up saying that they have not provided sufficient information to verify that they have the right person.
I 've sent certified letters to XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to no avail. I 've filed a complaint with the Better Business Bureau on XXXX/XXXX/XXXX and rejected XXXX responses from XXXX XXXX. I was then advised that I should file a complaint with the CFPB.
Not only is this company reporting on my credit without proper validation, a clear violation of my federally protected rights, but they chose to update dates and listing categories across all Credit Bureaus in an attempt to cause the most damage. For example, it was reported as a closed collection account with XXXX XXXX and XXXX XXXX account with another and open delinquent on the other. Dates also staggered and were not consistent across the XXXX Bureaus as well as the amount owed so, it seemed to me as if this company is seeking to cause maximum damage to my ability to receive new credit.
At this time, the tradeline has been removed from XXXX XXXX XXXX but continues to report on XXXX And in a discussion with an XXXX resolution XXXX, I was informed that XXXX XXXX is only required with them to respond by verifying the information that was previously submitted by XXXX and no other proof or verification was requested by the XXXX She said if the information had not been submitted to me by XXXX in response to my direct requests, them I should file a complaint with the CFPB. And since I had not received the requested information after several attempts, and the BBB is unable to compel the information, I am submitting this complaint in, yet another attempt to receive proper validation of debt with clear evidence of the ownership of this alleged debt. It is a small amount, in my opinion. If this debt were proven to belong to me, I have no problem in making payment. However, this company has been relentless in its refusal. I mentioned to the BBB that XXXX has been previously sued and it has been found that they merely purchase lists of debt and not entire files so, they themselves are unable to provide legitimate proof of debt ownership. So, there is a high probability that they are reporting inaccurate information but continue to do so to harass people, hoping that they just pay. I need proof of ownership of this debt. And until that is provided, XXXX is violating my rights under the XXXX XXXX by reporting inaccurate or unvalidated information.
Further, I challenge the accuracy of the information being provided, as it has varied across the XXXX major Credit Bureaus. Such reckless reporting is highly injurious to my ability to obtain credit at fair rates.
XXXX shows that this tradeline will only report for a few more months. However, I 'd like to take action now, during the period of violation and while I am being damaged.
XXXX XXXX
|
| 12/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, NY XXXXMIDLAND CREDIT MANAGEMXXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX(XXXX) XXXX-XXXXRE: Account # XXXXTo Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your claim is disputed and validation is requested.This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.Please provide me with the following:• What the money you say I owe is for:• Explain and show me how you calculated what you say I owe:• Provide me with copies of any papers that show I agreed to pay what you say I owe:• Identify original creditor:• Prove the Statute of Limitations has not expired on this account:• Show me the you are licensed to collect in my state:• Provide me with your license numbers and Registered Agent or Agent of Service:At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s {XXXX, XXXX or XXXX} this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following:• Violation of the Fair Credit Reporting Act• Violation of the Fair Debt Collection Practices Act• Defamation of CharacterIf your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion {to any/all of the 3 major credit reporting bureaus: XXXX, XXXX and XXXX} request shall be sent to me immediately.I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.Best Regards,XXXX XXXX XXXX
|
| 09/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Be advised this is a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims have been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to the collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
|
| 07/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received a letter/notice in the mail from XXXX XXXX XXXX in XX/XX/XXXX. The letter stated that they have purchased a debt from XXXX XXXX XXXX, XXXX. and that I owe {$610.00} or they will take legal actions against me for that amount. I never had a credit account with XXXX XXXX XXXX so I called the number provided and informed them of this. I informed XXXX XXXX that I never applied for credit from said bank and they informed me that this account was opened on XX/XX/XXXX. I informed to them via phone that I have been victim of identity fraud since I was not aware of this account. They said ( OK ) and that was the end of our call. I ordered my free annual credit report after that call and noticed that on all three reports that I had negative comments on all three credit reports. All three showed that this XXXX XXXX account was sold to collections, ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX listed it as ( Charged Off ).
I wrote to XXXX XXXX XXXX to variable this account to be mine and they mail me a billing statement with my printed name and address as proof but nothing with my signed signature. This was dated XX/XX/XXXX. I have written several letters to XXXX XXXX XXXX asking for something with my signature and they wanted proof that this was indeed a cause of identity fraud by mailing a police report to them. I was unaware my identity was being used until this year when I got another collection letter from XXXX XXXX XXXX. They informed me it will go on my credit report and hurt me negatively if I just don't go ahead and pay and make a payment arrangement so that it would not hurt my credit. I made a goodwill gesture to XXXX XXXX XXXX if I could pay 10 percent of what they said is owed. I never got a response back and the negative remarks are still on all three of my credit reports. I have written letters to the credit brueru, the creditors and to the collection agencies to correct this problem and still nothing is being done. I contacted XXXX about this and they are having a fraud team look into my case. My credit score dropped 25 points with XXXX and what caught my attention was that on XX/XX/XXXX, I purchased a XXXX vacuum cleaner and was pretty much pressured into this purchase so that I could just get rid of them. They used XXXX XXXX as the lender but the sale persons got all of my personal information about me from birth date, SAN, places I have lived and so on. A week has passed and from mid XX/XX/XXXX to the end of XX/XX/XXXX, my credit report from this year shows anywhere from 10 to 15 hard inquires on each of my credit report. I had a charge card with XXXX, XXXX. but fraudulent charges were made in XX/XX/XXXX and XX/XX/XXXX in which I disputed with XXXX. I closed that account in XX/XX/XXXX or XX/XX/XXXX and had a fraud alert placed on my credit reports. I was unaware of having two charge cards in my name opened back in XX/XX/XXXX until I received that letter from XXXX XXXX XXXX and got my free credit report after I received that legal notice in the mail. I have tried to work with Midland and even offered 10 percent of a debt that is not mine so that my credit score would not be effective. XXXX is now having their fraud team to investigate my credit problem of identity theft and fraud. If I had known 2 years ago that my identity was stolen, I would have made a police report back then. I have been trying to work with Midland but it seems to me that they do not care if someone identity was stolen or not just as long they are paid the full amount of the debt in question.
|
| 05/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Submitted XXXX XXXX To Contact | House Judiciary Committee Republicans XXXX XXXX http : //judiciary.house.gov/contact I'm still getting payment request by mail for XXXX Pre-approval account Laptop computer I didn't get in XXXX XXXX, I haven't request d a replacement for and I haven't ever activated any account credit cards. Request {$510.00}. XXXX nor it's Collector dud n't agree when I asked them by phone to track the laptop location to find its who has it. I called the Midland Credit Management XX/XX/XXXX stating I'm not paying because I didn't ever get the laptop.
Request for payment from Midland Credit Management , Inc Midland Credit.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Dept of Law Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www law.ga.gov XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Antitrust Dept. of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANTITRUST.ATR@usdoj.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Service; My name is XXXX XXXX, I havent received my ORDER placed XX/XX/XXXX. I received a XXXX membership offer in the mail that would have expired XX/XX/XXXX. I placed my order for the first time for one item XXXX XXXX XXXX XXXX XXXX XXXX Laptop, item # : XXXX for XXXX Laptop {$270.00} would be charged {$26.00} a month on my account. Balance after purchase owned to my account {$330.00}. Order # : XXXX Account Number : XXXX XXXX XXXX # XXXX. XXXX on Catalog info : Customer # XXXX Catalog # XXXX XXXX XXXX : XXXX. When I placed my order it stated my order would arrive by XX/XX/XXXX. Today XX/XX/XXXX I checked order status that stated my order was going to be delivered by XXXX and had been delivered. When I spoken to Customer Service by phone about my stolen order he stated it claimed delivered via XXXX but delivered by United States Postal Service Saturday XX/XX/XXXX. XXXX XXXX # : XXXX and United States Postal Service XXXXXXXX # : XXXX. I was here at my apartment where Ive resided alone since XXXX. I havent ever added another person to my Lease. Nor did the United States Postal Service or XXXX knocked on my apartment door to hand me any delivery. Nor put any notice of attempt of delivery in my mail box for me to pick up my order at a different location. In spite of me getting other orders directly at my apartment door. Im not willing to pay for any orders I havent received nor do I want any order or account credit card to be replaced. If I dont get my original order I will not be placing additional orders. Nor providing any payment method to my account to pay for stolen orders. I dont want to pay for stolen orders. No one has ever been give my permission to obtain, pickup, receive any of my mail or orders other than myself ever. United States Postal Service -Service Request # : XXXX. XXXX Police - Police Report # XXXX. XXXX XXXX # : XXXX. United States Postal Service XXXX # : XXXX. I will only accept my original order and account credit card NO REPLACMENTS. NO future orders otherwise. No one has permission to use my XXXX account other than just me. Thank you, XXXX XXXX Sent from Mail for XXXX
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Midland Credit Management, This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title & Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX
|
| 11/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX, I submitted dispute letters to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to verify alleged debt ( Midland Funding LLC AC # XXXX ) in accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ).
XX/XX/XXXX, Midland Credit Management sent a letter to me. The letter stated " We have received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. We have also enclosed documents regarding the account. In order for us to further investigate your inquiry please provide the following documentation : Written explanation and documentation any errors in our account information On the opposite side of the letter, MCM 's supporting document was Basic Information with original creditor, original account number, current creditor, MCM account number, charge-off date and current servicer. No original account level documentation was included per dispute letter. MCM requested the consumer submit documentation.
XX/XX/XXXX,XX/XX/XXXX XXXX Report # XXXX ) deleted Midland Funding LLC ( XXXX ).
XX/XX/XXXX, XX/XX/XXXX ( via XXXX XXXX ) closed Midland Funding LLC XX/XX/XXXX, XX/XX/XXXX ( via XXXX XXXX ) closed Midland Funding LLC XX/XX/XXXX, XX/XX/XXXX ( via XXXX XXXX ) closed Midland Funding LLC XX/XX/XXXX, Midland filed a lawsuit against me. The file includes an affidavit of XXXX XXXX, legal XXXX for MCM stating to reviewed electronic data of the alleged debt and copy of statements.
Pre-trial was scheduled for XX/XX/XXXX. The plantiff MCM, counsel XXXX XXXX, was able to state their case. The judge XXXX XXXX XXXX had presumed that MCM 's claim was valid and correct. As the defendant, I was not given the opportunity to state case and was discouraged to speak further.
Trial set for XX/XX/XXXX.
MCM was notified via dispute letter to verify the debt as legitimate. MCM stated it was verified by their account notes and supporting documentation. If MCM had the original account level documentation, they should have submitted the documentation to the credit bureaus. MCM did not have the documentation. Instead they are using intimidation tactics such as a lawsuit to further collect debts. As a result, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX removed Midland Funding LLC from my consumer credit report for failure to comply with FCRA. In addition, MCM failed to comply with FCPB Consent Order and continue to conduct themselves against the Consent Order, which is being followed by CFPB lawsuit.
Per the CFPB Consent Order ( FILE No. 2015CFPB-0022 ) : Page 9 of 63, item 32 - Sellers typically have not provided Encore with any Consumer-level documentation Page 9 of 63, item 35 - sellers have been unable to provide documentation to Encore evidencing Consumers ' responsibility for Debt Encore was collecting Page 10 of 63, item 36 - Encore has received an average of 30,000 written disputes and complaints and XXXX oral disputes and complaints directly from Consumers in a typical month. Another approximately 100,000 Consumer disputes through e-OSCAR used by Consumer reporting agencies regarding XXXX disputes.
Page 10 of 63, item 38 - Encore has directed personnel responsible for handling these disputes not to investigate the disputes by requesting documentation from sellers but rather " [ i ] inform the consumer that proof is required to support their claim. '' Page 14 - 17 of 63, item 54 - 64 Encore accused of Robo-signing sworn Affidavits.
|
| 07/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
XXXX XXXX XXXX is married to my son XXXX XXXX and she obtained my personal information ILLEGALLY somehow and obtained credit in my name. She obtained a revolving line of credit with XXXX XXXX whom issue Medical credit cards through XXXX XXXX. She obtained this card XX/XX/XXXX. She had medical procedures done that ended in the amount of {$7500.00}. I when I was issued a court document to garnish my wages is when I found out about this account. The statements were in my name alone so I thought they were somehow my bills so I contacted the company Midland Credit Management , Inc . They represented themselves as the creditor and threatened to take me back to court and i explained to them I had no idea what they were talking about and that I did n't owe this money to them.They had obtained a judgement against me in court without me even knowing they took me to court. Then they mentioned XXXX 's name to me and I explained that she was my daughter-in-law and they said it was our account together. that 's all they would say tell me. I questioned her about it and she said she had to go it was nothing it was a mix up. My son went to the court and brought a document for me to write I agreed to co-sign if XXXX paid. they told me it was for XXXX XXXX that it was all a misunderstanding. I believed my son and did what he said to do I 'm going to be XXXX yrs. old I do n't know anything about these things. My son then went and filed the court document he said everything was okay and fixed. Then i was issued the garnishment for my wages that I initially mentioned. This creditor would call me and threaten to take my savings and my wages so i was scared I paid them. They refused to tell me what i was paying for. The orignal creditor XXXX XXXX told me they had no more information on the account since it was bout out as a write off account over 4 years ago. My Granddaughter XXXX XXXX XXXX contacted them but when she called credit care she asked for the fraud department. The investigator she spoke with his name was XXXX, he found the accont by the last XXXX digits # XXXX and he had my granddaughter verify some information of mine then he proceeded to explain that XXXX obtained the credit cards in her name with mew as a co-signer but she pit that I resided at her home which is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. I have lived here since XX/XX/XXXX. I had never noticed that the statements had her address on them. i just seen my name on them when the collection agency sent me an envelope full of them. this is why i thought somehow they were mine until my Granddaughter started to look into this for me and that 's when we realized my identity has been stolen, my signature was forged and credit was obtained in my name fraudulently. The detective in the fraud dept @ XXXX XXXX is opening up an investigation and he said it will take 30 days. XXXX also obtained credit at XXXX XXXX financed through XXXX XXXX in my name in XX/XX/XXXX and this same company Midland Credit Management received a judgement against me to pay this bill also. The merchandise was delivered to their home but everything was in my name. When my granddaughter contacted them they said they could n't find the acct. due to being sold to Midland credit management and because it is 8 years old. They do n't care they treat me like i did something wrong. I have a limited income and have to pay these judgments against or this company will take all my money. I need help please.
|
| 08/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Here is my story. Pure frustration at its best. I am constantly being penalized for debt that I do not owe. The quick version to this story is that my older brother and I have the same first and last name. Our middle name is what separates us. My brother apparently owes several different companies money and may possibly have a pile of debt collectors after him. Because he owes so many people money I feel that I am being penalized by sharing the same as him. One of the debt collectors that he owes is Midland Funding and or Midland Credit Management - whichever name they choose to go by. I know this because I used to receive his mail at my apartment. And I also know this because I just received a court order less than a week ago sent to my address. Another reason why I know this is because they attacked my credit about three years ago. I have been in contact with XXXX XXXX XXXX 's office in regards to this as well as with XXXX and XXXX. I also contacted Midland funding regarding this matter which they advised that they are unable to do anything unless I send them a certified letter stating that they are confusing me with my brother. I find there to be so many issues wrong with this. One of them being that when I contacted Midland Funding on XXXX XXXX, 2015, regarding removing the damages off of my credit report, they asked me for my information, which I provided, and they stated to me that nothing shows up in their records under my social. I mentioned to them that that is exactly the reason why I am calling and that they need to fix the mistake they made. I mentioned to them that there is no reason why I should be taking a hit on my credit if they have absolutely no information about me. I told them that the same information that they used to cause the damage is the same information they need to use to fix the mistake. They stated to me that they are unable to do that and that I need to send them a certified letter. And there is no telling if they will even budge after receiving the certified letter. I feel as though it is n't right that I must shoot through hoops and ladders to have something removed that I never owed to begin with. Why must I have to spend additional money to prove that such and such debt is not mine? From what I was aware of I thought that when attempting to ruin lives they have to make sure that ALL OF THE INFORMATION MATCHES - NOT JUST SOME. There is no record using my social that I owe this debt and several other debts ; because it is not just one that I am being penalized for. But my credit is the one taking all of the damages. This is really affecting not only myself but my wife as well. The goals that we are trying to accomplish is taking a back seat because we have been trying to resolve these unnecessary issues first. And to make matters worse we do not know what the end result will be. I thought it required more than someone 's first and last name and possibly their address to attach a debt to them? I do not understand why I should have to go through any of this.
So now you will have a better understanding for why I am reaching out and why I am so frustrated at this point.
Thank you for taking the time to hear me out and read this.
People really need to be aware of what is going on with their credit and how information posted on there that may or may not belong to them can affect them. I feel as though these debt collection agencies can do whatever they want and do not care what happens to people as long as they get their money.
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management recently responded to my complaint. However didnt provide all the information Im looking for which waive their right to collect a debt. You didnt not provide me purchase of agreement which I asked for. You did not provide me with a signature on a contract which would prove if this debt is mine.Nor is there any signature that states a person agreed for the debt to purchase. Therefore I have no contract with you. You did not prove me bond information nor license. You disturb my peace by collecting a debt you claimed I owe its your job to provide me with the information Im seeking. I did not find you bond in Texas. I demand that you remove your collection from my credit report until youre able to show proof of all the information Im seeking. I will also be taking legal action. You claimed you responded to my letter which you did not. I have no proof of knowledge that you did but you have proof that I sent a letter. Once again if the original letter I mailed on XXXX the XXXX I sent a letter to midland credit ceritfied mail with tracking number XXXX, ON XX/XX/2023. I was not contacted with any valid information. My original letter to them Dear Sir/Madam, I am writing to request verification of a debt you claim I owe. Your records show that I owe {$640.00} to your agency on behalf of XXXX XXXX However, I am not able to validate or confirm the details of this debt as I have not received any information or notifications from the creditor regarding any outstanding balances. Under the Fair Debt Collection Practices Act 15 USC 1692g, I have the right to request validation of a debt to be sure of the accuracy of the information being reported. It would be most appreciated if you could provide me with the following documentation as proof of the debt : - A copy of the original creditor 's agreement or contract that I signed- The accounts receivable ledger and payment history for this account - The details of the principal balance, interest, and any other applicable fees and charges applied to this account -Proof that the Statute of Limitations has not expired -Complete payment history on this account along with an accounting of all additional charges being assessed ; -Proof that you are licensed to collect in my state -Your license numbers and Registered Agent. -Purchase agreement. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I look forward to your response. Sincerely, XXXX XXXX
|
| 08/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Date : XX/XX/XXXX Midland Credit Managemment, XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom It May Concern : I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Proof that this debt has not been written off as a tax liability.
Any other intimate knowledge of the creation of the debt by you, the collection agency.
I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Sincerely,
|
| 05/08/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to 4.5 million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights and FDCPA. Their illegal actions have caused XXXX upon XXXX of consumer 's credit files to be tainted with negative remarks and judgments which includes myself.
I was sued by Midland Credit Management or Midland Funding LLC to collect unpaid credit card debt which Midland bought from XXXX Bank. Midland filed lawsuit against me on XXXX XXXX, 2012. Midland was awarded default judgment. In addition, Midland bought a cellular phone plan account from XXXX. My allegation that Midland violated the law in many ways : XXXX, Midland ' collection activities prefer " efficiency '' and profits over compliance with FDCPA laws. Midland churns out XXXX of collection letters and XXXX of telephone calls from its call centers in XXXX and XXXX, often using incomplete and/or inaccurate information electronic information purchased from original creditors. Midland pursues me for collection of old debts for which they do n't have any records and are beyond the statute of limitation and credit reporting periods.
XXXX, Midland 's collection letters contain very little information about the debt, no supporting documentation, and no proof that ownership of the debt has been transferred to Midland. In addition to the aggravation of being harassed by Midland who refuses to verify the debt.
XXXX, the better business Bureau reports that over XXXX consumers have filed complaints regarding Midland.
XXXX Midland filed XXXX of false affidavits in their collection suits. XXXX Midland employees have testified in depositions that during their employment, they signed XXXX to XXXX form affidavits per day at their offices in XXXX, that they did little to nothing to review the contents of their affidavits before signing that they did not review any documentation regarding the account before signing, that they did not review any exhibits before signing, and that they did not sign the affidavits before a notary. They also testified that they did not have any contact of any kind with the debtor. XXXX employee testified that he simply picked up stacks of affidavits off of the computer, signed them ( XXXX at a time ) and forwarded them to the notary for signature and to be mailed to the law firm filing the lawsuit.
The employees also testified that they had no knowledge about the sale of the debt portfolios from the original creditors to Midland funding. The end result of these robo-signed affidavits is that the default judgment and summary judgment entered by the courts are based on affidavits that are false. The courts are misled into concluding that the affiant has actually verified the debt. The correct balance owed, the interest rate is applicable, and the identity of the debtor, when in fact none of it has been verified by affiant.
In conclusion, Midland has unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX upon XXXX of consumer 's credit files to be tainted with negative remarks and judgments which includes myself. Please include me in these class actions against Midland Management and Midland Funding LLC. I thank you XXXX again for your time and I look forward to hear from you.
|
| 04/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received notice from Midland Credit Management, who purchased my debt ( balance as of XX/XX/2019 ) of {$2300.00} from XXXX XXXX/XXXX - original account number XXXX ; Midland Credit Management Number XXXX. The date of the notice was XX/XX/2019. I received it on or about XX/XX/2019. I called Midland Credit and spoke with " XXXX ''. I explained to XXXX that I was unable to set up payments online because the system would not allow me. I explained to him that I have the letter which states that I should " call XXXX '' and " Reply By XX/XX/2019 ''. There is nothing in the letter which indicates an " expiration '' date, or that legal action would be filed if no payment is made before an " expiration date ''. ( XXXX, later, after we made arrangements said the " reply '' date is the expiration date.
The entire letter is intimidating. It has language that implies a lawsuit ; " pre-legal department '', " possible attorney review '', " pre-legal notification ''. It threatens me and states that if I fail to make a payment ( it does not provide when this payment should be made to avoid legal process ), or contact them, it would result in " the continuation of the pre-legal review process. The letter goes on to use very intimidating language, indicating that a lawsuit will result in a judgement against me enforceable according to state law.
In apparent admission of this unfair practice of harassment, the letter ends with the following : " there is still an opportunity to set up a payment plan and avoid the hassle and inconvenience of the legal process. '' I reached out to Midland Credit, not to dispute the debt, but to initiate a settlement. The account manager attempted to force me to tender a payment over the phone and we finally agreed to payments being sent ; he mentioned the payment was unsecured and indicated that legal proceedings may still continue.
I have followed their instructions, even with the threats of legal action. After making arrangements with XXXX, I noticed he kept interrupting me and asked for a supervisor, who, used same intimidating language. When I asked him why are they telling me there is an expiration date and no mention of " expiration '' in the letter, he said XXXX may have confused it and attempted to suggest that " reply '' meant expiration.
Under the Fair Debt Collections & Practices Act, regarding " False or misleading representations, a debt collector may not use any false, deceptive or misleading representation or means in the connection with collection of any debt ''. Midland Credit Management, on our call, and in their letter ( attached ) used misleading and false representations. The letter stated to call to resolve and to reply by XX/XX/2019. There was no mention of an expiration date. There was nothing in the letter that states a payment of any amount before an expiration date could avoid legal proceedings.
The letter gives the impression that only Midland has legal rights or use of the law.
The Fair Debt Collections & Practices Act also states that a debt collector may not use " false representation or implication that documents are a legal process. '' The entire letter implies that the document itself is part of a larger legal process against me. This is a very clear violation of the Act.
I have entered an agreement to make payments to resolved the debt, but feel that Midland Credit has broken the law and violated my consumer rights in addition to guidelines in the Fair Debt & Collections Act.
|
| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management In XXXX, I received a letter from Midland Credit Management stating that a debt I had was transferred to them. As soon as I read the letter, I contacted the company to verify to debt and try to make a payment. I knew the original credit card company even though the debt amount was incorrect so I called Midland to settle for the actual amount.
Midland told me that they could not discuss the debt nor attempt to settle the debt because apparently I had some type of lock on my account.
I asked how do I unlock and get this settled ; they informed me to write a letter and fax it to them. So, I did just that within 2 days of the call.
In return, instead of " unlocking '' my account and allowing me to settle this debt, they wrote a letter asking for my lawyer 's name and info. I called them again to inform them that I did not have a lawyer and wanted to know why they would even think that. The company in return asked my to write another letter, I did just that and this time got no response so after about a week or 2, I called and asked them could I now settle the debt.
Again, my account was locked and no one could assist me because of this. I am frustrated and begging someone to let me pay the account because I am trying to purchase a house and did not want it to come on my credit ( Midland has a company policy that it will not report any debts if paid within 3 months of their initial letter ). I have been begging this company since XXXX to let me settle. Even though the account managers were extremely friendly, no one could help. Finally about a couple of weeks ago after being told to write them another letter with me asking them to let me settle, I got a response acknowledging the letter and to simply call.
Now, since the 3 months have come up, they put the account on my credit report. I have tried calling asking why they put the account my credit report when they know I had been begging and pleading with them to let me settle. I spoke with one person who could n't help me but then spoke with someone who said they 'd look into my account. The person literally kept me on hold for 25 minutes and when they returned to the phone, it mysteriously hung up. As upset as I was, I had to immediately call back but when I did, the department was no longer available and I had to call back.
The last letter I sent to Midland begging them to let me settle, I actually recorded the letter and me faxing the letter to them and recorded where the fax was successfully sent ; the contents of the letter is also in the recording. The only reason why I recorded is because I was tired of going back and forth. I also have the letter of them asking for my lawyer that does not exist ; they would not even tell me why my again was locked and why I could n't pay them.
So now that the 3 months are up and they did n't receive a payment, they reported it to the bureaus despite me begging them to let me pay. I would love for someone to confirm all of this because it 's the strangest thing I have ever experienced. They also added another account on my credit the same day without even notifying me. I did not get any notification that they owned the debt or that I could dispute ... nothing. I do n't understand because the staff has been friendly so why would they not let me pay only to throw it on my credit?
I have the recording if needed. I am also attaching screenshot of the company 's credit reporting policy that is directly from their site.
|
| 11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : XXXX XXXX XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise.
I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX University, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals!
In GENUINE SINCERITY I CLOSE,
|
| 12/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX. Reflecting on my credit report.
Your office has been calling me about a debt you claim I owe but which I have no knowledge of. The purpose of this letter is to dispute this debt, which I do not believe I owe. I am also requesting that you validate this debt you claim I owe by providing the documentation and information requested below. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed and validation is requested. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : " If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents that show I agreed to pay what you say I owe ; 4. Identify the original creditor and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process. I know and understand my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I know that since I disputed this debt in writing within 30 days of the date of your bill, that you must verify the debt and mail the requested verification to me at your expense. I also know tat you can not add interest or late fees except as allowed by the original contract or state law. I understand that you are not required to respond to this request, however, if you continue to try and collect this debt without fist validating it, you will be violating the Fair Debt Collection Practices Act. Be advised that I am carefully documenting all of our communications and I will not hesitate to report any violations of the Fair Debt Collection Practices Act and/or the Fair Credit Reporting Act to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, XXXX then you must immediately inform them of my dispute with this debt. If your office reports any information on my credit report that you know to be inaccurate, you may be held liable for fraud under both federal and state law, in addition to defamation of character, violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. If any negative mark is found on my credit report by your company or the company you represent, legal action will follow.
|
| 02/09/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a collection account on my credit report maintain under my Social Security number from Midland Funding LLC on XXXX XXXX, 2016 I sent them a certified formal letter formally requesting validation of the debt pursuant to the Fair Debt Collection Practices Act. I 'm Seeking competent evidence bearing my signature showing that I ever had some contractual obligation to pay them, validating this debt as mine and letting them know that any negative marks found on my credit reports from their company for a debt that I do n't owe, is a violation of the Fair Debt Collection Practies Act ; therefore stating to them if they could not validate the debt and provide me evidence and validation of my signature they must notify all credit reporting agency 's XXXX XXXX XXXXXXXX to delete the entry also reminding them that XXXX XXXX XXXX team seq., that this letter / notice has the same effect as a dispute to the validity of the alleged debt and a dispute to validate of my claim I received a letter from Midland funding dated XXXX XXXX, 2016 stating that they are the sole owner of this debt purchase from XXXX Bank stating that after reviewing my letter from XXXX XXXX, 2016 that they were unable to determine the nature of my dispute and they consequently denied that there records were inadequate and the debt is accurate. Upon receipt of my certified letter Midland funding had 30 days beginning XXXX XXXX, 2016 to notify the credit agencies that I had disputed the validity of this item and placed on my credit report ( Disputed by Cosumer ) which they did not place on my credit report required by law XXXX XXXX ( XXXX ) and they violated the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) by not placing the disclosure within the required 30 day attached is a copy of my credit report dated XXXX XXXX, 2016 The XXXX XXXX XXXX XXXX, 2016 I sent a second letter to Midland funding stating to them that they have not provided any available evidence bearing my signature showing that the account is being reported accurately, I formally requested again provide me any documentation bearing my signature showing that I have a legal binding obligation to pay them, and this debt is valid and to please provide me the name address telephone number of each person who personally verify this alleged account so I can inquire how they verified without providing any proof bearing my signature to myself as requested in writing. I also reminded Midland funding they are liable for willful noncompliance as per FDCPA XXXX false and misleading representation [ XXXX XXXX XXXX ] their response again is the information is correct from the letter I received XXXX/XXXX/16 and still no verification or validation with any evidence bearing my signature on any contract saying that Iam responsible for the alleged debt.On XXXX XXXX, 2016 I sent Midland Funding A third letter reminding them of their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - responsibility of furnishers of information to consumer reporting agency 's [ XXXX XXXX ] did not furnish me any proof or validation of my signature on a contract for this alleged debt, there violation of Federal Law by not properly providing credit bureaus with the proper notice within the required time frame and that I had disputed the item in question.I believe that Midland Funding is acting in bad faith, and not have complied with the Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Debt Collector Practices.
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Re : Extension of the previous complaint XXXX I want to address Midland Credit Management 's actions and their handling of an alleged debt, as well as their violations of the Fair Debt Collection Practices Act ( FDCPA ). I feel the need to clarify my position and express my concerns about the matter in relation to the FDCPA regulations.
Firstly, I want to make it clear that I have never entered into any contractual agreement with Midland Credit Management, nor have I provided any form of consent for them to act on my behalf regarding the alleged debt. There is no binding agreement or signature that establishes my obligation to their company. I understand my rights and responsibilities as a consumer, and I expect them to be respected.
I previously sent a Cease and Desist order to Midland Credit Management, not as my interpretation of the law, but as a legitimate legal action supported by the FDCPA itself. The FDCPA defines communication broadly as the transmission of information about a debt through any medium. Thus, the Cease and Desist order is a formal request for an end to all communication regarding the alleged debt.
It's disheartening to see that despite this explicit communication, Midland Credit Management has continued to contact me. This disregard for the FDCPA regulations, particularly 15 U.S. Code 1692a ( 2 ), which defines " communication, '' is concerning and disappointing.
Furthermore, their alleged harassment, use of unfair practices, and violation of 15 U.S. Code 1692d and 15 U.S. Code 1692f have had a negative impact on my mental well-being and my ability to secure housing and transportation. These actions directly breach the protections the FDCPA affords consumers, and their consequences are tangible and distressing.
In line with 15 U.S. Code 1692g, I requested verification of the alleged debt, which Midland Credit Management failed to provide. This absence of verification raises doubts about the legitimacy of their claims and actions, and it's crucial that they adhere to the legal requirements outlined by the FDCPA.
I want Midland Credit Management to understand the profound impact that abusive, deceptive, and unfair debt collection practices have on individuals ' lives. These practices lead to personal bankruptcies, strained relationships, job loss, and breaches of privacy. Their actions, as described earlier, have compromised my privacy, my creditworthiness, and my trust in the security of my personal information.
I am demanding that Midland Credit Management takes immediate corrective actions. These actions include ceasing all communication about the alleged debt, adhering to FDCPA regulations, verifying the alleged debt, rectifying any erroneous information on my credit report, compensating me for the distress caused, and removing any negative impact on my credit report.
Midland Credit Management has a long track record of using abusive tactics against consumers showed here in the Pierre v. Midland Credit Management , Inc., No. 19-2993 ( 7th Cir. 2022 ) I believe in accountability, and I hope that Midland Credit Management rectifies these violations promptly. I also ask the Consumer Financial Protection Bureau ( CFPB ) to take note of these harmful tactics and the violations committed by Midland Credit Management. I trust that the necessary measures will be taken to ensure accountability, address the damages inflicted, and safeguard other consumers from similar experiences.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX TX XXXX < -- - ALL these ADDRESSES are NOT MINE. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL these names listed are NOT MINE. Why is there inaccuracies as this on my credit report? I understand there is many non-americans that come to the United States that becomes an American citizen and may have the same name as me in their credit report data. But please report my information accurately as many other people from my own race has the same name as me. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To me, this is unfair and unlawful. I don't understand what takes so long or why is it so hard to just remove all the information that does not belong to me off of my credit report data, it has been 5 months since I have yet to see XXXX, XXXX, or XXXX help me in their own wrong reporting that these 3 companies put me in. All these 3 companies do is just place an automated response into my report against them and then the complaint gets closed.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please read this information I've found below. The report on my data is unlawful and unfair practices done to me. This does not follow the fair credit reporting act ( FCRA ), therefore is a violation of the fair credit reporting act ( FCRA ).
Fair debt collection practices act ( FDCPA ) : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$7600.00} MIDLAND FUNDING | XXXX XXXX.
XXXX {$3000.00} < -- - ALL these accounts listed above are NOT MINE. This is a fair credit reporting act ( FCRA ) violation, none of these accounts were ever reported to me being written, mailed or orally. This is unfair practices and considered unlawful.
|
| 05/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
First of all, I was never served back in XXXX and had no knowledge of any court proceedings or this judgement until XXXX XXXX when I went to refinance my home. Upon knowledge, I reached out to settle the debt and offered $ XXXX - an amount that the Rep said she would need to get approved. At the same time I made a comment about not being served and how it would be impossible for them to not know where I was at because I banked or had banked at XXXX XXXX . When I called back to check the status of my offer I was told it was denied, but there were things going on in my account and they would not be able to take an further offers. One week later when I called back I learned that they may not have even submitted my offer for approval, but on the same day that I made an offer ( or the day after ) they petitioned the court to garnish any account ( s ) I had at XXXX XXXX and charged my account an additional {$200.00} in fees - because I mentioned I banked at XXXX ,. They ended up garnishing ( seizing ) a safety deposit box that my grandmother owns and that my name is on, in the event she were to pass. I ended up settling the account for {$1200.00} on XX/XX/XXXX . I received a letter date XX/XX/XXXX from XXXX XXXX , confirming payment and on XX/XX/XXXX a letter stating that if the anticipated payment went thru that this account would be settled. Around XX/XX/XXXX - I learned that XXXX still had my grandmothers safety deposit box at XXXX seized and refused her access to her property. My grandmother had to hire an attorney to figure this out. In the meantime, I contacted XXXX XXXX and they said they would look into it. It is my understanding as of today, that safety deposit box was finally released abou t 2- 3 we eks ago. I am attempting to readdress and have reapplied to refinance my home. While is was gathering paperwork to show the debt is settled, I learned that XXXX XXXX still has not filed a satisfaction of judgement with the courts and today when I called, XXXX refused to allow me to speak with the attorney on file, stating because I am not an attorney I have no rights to speak to the attorney- even though I am represented by myself and no other attorney. She also hung up on me several times and only stated that she 's passed the issue on to another department to handle. I asked to speak to her supervisor and on both occasions hung up. I have these phone conversations recorded if needed. In XXXX XXXX , I enter into the agreement to settle my account for {$1200.00} and in return was supposed to be relieved of any future obligation or reprimand from this past debt. The account was supposed to be settled at the time my payment cleared. The payment cleared my bank on XX/XX/XXXX and 60+ days later should be ample and sufficient time to have filed all proper paperwork. I kept my end of this agreement and paid the amount they agreed to accept, now the attorneys office needs to keep their end of the agreement and show that this debt is satisfied. The fact that this debt is not settled is effecting my credit and my ability to improve my financial position by lowering my house payment. I would like XXXX XXXX to send me a copy of the satisfaction of judgement for case number XXXX filed with the XXXX XXXX Justice Court immediately, so I may proceed with my home refinance and so I may not incur any additional financial losse s.
|
| 12/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX I submitted CFPB Complaint ID # XXXX against Midland Credit Management XXXX In that complaint, I requested a CEASE-and-DESIST of all illegal activities, including reporting which constitutes collection activities and to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempted telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. As of today, you are now on notice that you have violated 15 USC 1692 ( c ) of the FAIR DEBT COLLECTION PRATICES ACT and have breached your duties by harassing me regarding this alleged debt. They have repeated called me twice in one day, and in the early morning which is extremely inconvenient and a violation of their cease and desist. I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you for this violation. Instead of submitting to the below request, you are consistently calling. Again, this serves as a written notice of CEASE-and-DESIST of all reporting which constitutes ALL COLLECTION activities and all contact be made via in writing. I am also requesting a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a BILLING STATEMENT, notice or any unsigned document is NOT verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. If you continue with your violations, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you for this violation. Instead of submitting to the below request, you are consistently calling. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
Also, as you are aware, you Midland Credit Management are a 3rd party DEBT COLLECTOR, which means the debt has been charged-off by the ORIGINAL creditor and is now considered as a CERTIFICATE OF INDEBTNESS ( XXXX XXXX XXXX reporting for discharges of indebtness by certain entities ) as well as income ; and income can not be reported on my consumer report, therefore, I am requesting for all COLLECTIONS be removed immediately from my consumer report. As I previously stated, per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection.
|
| 11/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The original creditor was XXXX ( XXXX/XXXX ). The account was a credit card acct for a limit of {$400.00}. I opened this account up on XX/XX/XXXX. Several years later my family and I went thru difficult times of unemployment, and hardship. I also XXXX XXXX XXXX and became XXXX that year which was XX/XX/XXXX. We notified the company of our situation, and was told to to try to pay something on the acct when we could. In XX/XX/XXXX we made a {$100.00} payment at the store of XXXX, in XXXX, Tex. It was then we were informed that the account had been charged off, and we were told to not worry about it, but the payment was applied to the charged off account we were told.The bill amount was listed as {$1200.00}. Later on we started getting calls of harassment from a collection agency who said they were attempting to collect on a debt. They were unable to give us specific info of what the debt was from, or how much was owed on it. In succeeding months, suddenly bills started showing up with this collection company and information on their letters indicated syncb as a company the debt was owed to. The collection agency, named~ XXXX XXXX XXXX XXXX XXXX kept telling us we owed {$1300.00} and they wanted to know when we would pay.We did not know who XXXX was at the time.I later learnt that XXXX was affiliated with XXXX . Since we knew this amount was not correct, that the collection agency of XXXX XXXX was demanding us to pay~ we told them we had already paid on the bill and to correct the amount owed.In our view this collection company was already " Misrepresenting the amount of the debt ''. We did not hear from the company for a while and then a few more years later, this resumed collection attempts calling all times of the day and sending out collection letters. This collection company has managed to report to the credit bureaus wrongful info claiming the debt occurred recently in the past 3 yrs ~ when it was actually closed back in XX/XX/XXXX. Also just recently, the collection agency reported on my credit report, that this bill was a recent one~ when in fact it was a very old debt .All this mess has since ruined my ability to establish credit with anyone. I have learnt that there is a statue of limitations to collecting on debt in Texas. My last payment was made in XX/XX/XXXX, to XXXX, and this is now XX/XX/XXXX ~ I feel that this company MCM, XXXX XXXX XXXX* has violated the statue of limitations for collection of debt. I received today another letter several months after disputing this with them, of another attempt to get me to pay, and this came a day after I got more calls from the company again. The letter today is dated XX/XX/XXXX. They claim that the acct is still in collection and want me to choose a payment opt to settle the debt. I would like this company to remove ALL derogatory reporting status on my credit report showing new corrected info, and stop attempts of collection on a debt that is past the statue of limitation of collecting. This company has possibly may be also in violation of Surety Bond requirements are outlined in Texas Finance Code, Title 5, Chapter 392, Section 101.Bonding requirements for debt collectors to legally collect debts in Texas, even if the debt collectors business resides in another state. A debt collector must have an active Surety Bond in the State of Texas to legally collect debt. This company is well known to be deceptive. See XXXX XXXX XXXX
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Midland Funding has a lien on my house in the State of Georgia Was filed with Attorney 's in The State of Georgia.
Dates- XX/XX/XXXX, XX/XX/XXXX, Then after I contacted them about XX/XX/XXXX explaining I got a divorce, and the debt is in my X-husbands name, and wanted to clear it up. They re-filed early in XX/XX/XXXX. I called again about XX/XX/XXXX By then it transferred to a Company XXXX XXXX Midland Credit, Which in turn Transferred to a company in WA. State- Called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX? XXXX. Which never notified X-husband. I had to contact them. Both companies have the same Ref # on the account. # XXXX And Apparently no legal paperwork.
Called and did everything they wanted to be able to speak with me. Showed proof the property was in my name only ect. X-husband sent letter so I could pay the debt, negotiate, Correspond, and for them to notify me, call me.They assured me, I would get proof that the lien would be taken care of upon payment Then when ready to get a loan to pay this, he told me I could not send it Registered or Insured to a PO Box . Called and another worker said it was fine.
# 1 What was the reason for the Release of Information to me, if I can't get any proof the lien will be satisfied upon payment, before I make the payment. See # 2 is why.
# 2 After I sent the Cashiers check Insured I was informed they can not take the lien off the house because they are in the State of WA.and again, they will only send proof to X-husband and not me, ( who does not own the property ) and asked about satisfying the lien, the worker told me it will be sent to the state of Alaska. Apparently, they do not have copies of the court documents or records that it's in Georgia.. whatsoeverl The answer I got was X husband will be notified the debt was paid and they will notify Midland funding . Not to the point about the end result. Just script not knowing the legal background of the case.
There is a 3 hr time difference and they call after XXXX BTW They talk in circles, And do not answer questions directly.
# 3 Why was it transferred so many times, and how do I know these companies are actually Legit? I'm supposed to trust these people, and collecting these monies, by a judgement filed by real attorney 's XXXX XXXX XXXX have nothing to do with the legal paperwork, their name is not on it.. Can't be.?? Was told they are not used to the legal side just debt collectors!!!! This is a legal matter Is this the reason Encore and Midland was sued in XXXX of XXXX? Just months before they started moving this.
Was there a clerical error why it was moved from Georgia, a mistake what motives to move the account so many times? The original lawyers were XXXX XXXX XXXX. They told me they don't have any documents including the case number Does anyone have a copy of the Court Records???? Most likely not.
With the given facts and so many scams going on and the complaints here on this website, why in the world would I do such a thing? After the phone call telling me or not telling me about any satisfaction I cancelled the Check, until I get some kind of reassurance or at least deal with the original and real attorney 's, in the state it originated.
This has cost me at least 2 months of stress and sleepless nights, which is not good for my health and it really is a hardship paying this in the first place will leave me {$500.00} a month to pay bills, for the next 30 months.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Subject : Demand for Monetary Relief for Violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Dear [ Midland funding ], I am writing to bring to your attention multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) committed by your company in relation to the debt collection activities concerning the alleged debt referenced in your letter dated [ XX/XX/2023 ].
On XX/XX/2023, I received three unknown phone calls from your company, during which a debt collector stated that I owe money and that your company had purchased the debt. However, I have never heard of nor contracted with your company, and I dispute the validity of the alleged debt. The following FDCPA violations were made during the phone call : 1. Violation of 15 USC 1692c ( a ) ( 1 ) : Your company contacted me without obtaining prior consent, despite my phone number being listed on the National Do Not Call Registry.
2. Violation of 15 USC 1692d ( 5 ) : Your company engaged in conduct that was harassing, oppressive, or abusive by repeatedly calling me on the same day.
3. Violation of 15 USC 1692d ( 6 ) : Your company engaged in conduct that was harassing, oppressive, or abusive by making false representations and misleading statements regarding the alleged debt.
4. Violation of 15 USC 1692e ( 2 ) ( b ) : Your company made false representations and misleading statements regarding the nature and legal status of the alleged debt.
5. Violation of 15 USC 1692e ( 6 ) ( b ) : Your company made false representations and misleading statements by falsely claiming that I had a contractual obligation with your company.
6. Violation of 15 USC 1692e ( 10 ) : Your company used false representations and misleading statements by falsely claiming that the alleged debt was owed and that legal action could be taken against me.
Furthermore, your letter dated [ XX/XX/2023 ] fails to address the violation of the FCRA 's requirements regarding the accuracy and verification of the alleged debt. The information provided in your letter does not sufficiently prove the validity of the debt, and I dispute the accuracy and legitimacy of the information provided.
As a result of these violations, I am hereby demanding monetary relief for the damages and harm caused by your company 's non-compliance with the FDCPA and FCRA. The damages I have suffered include, but are not limited to : 1. Emotional distress and XXXX caused by the harassing and misleading debt collection practices.
2. Potential harm to my credit reputation and creditworthiness due to inaccurate reporting of the alleged debt.
Based on the FDCPA and FCRA, I am entitled to seek actual damages, statutory damages, and reasonable attorney 's fees and costs. I demand compensation in the amount of [ {$200000.00} ] as monetary relief for the violations committed by your company.
I expect a prompt response to this demand letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FDCPA and FCRA.
Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided.
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Pursuant to the Fair Credit Reporting Act 15 USC 1681 XXXX XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to ensure my private information isnt shared in accordance with 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Midland Credit Management Inc., are financial institutions as defined in title 15 USC 1681. Titel 15 USC 1681 section 604 subsection 2 states In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Midland Credit Management XXXXnc., the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Midland Credit Management Inc., whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Midland Credit Management Inc., failed to inform me of my right to exercise my nondisclosure option.
15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is unlawful.
15 USC 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of title 15 and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures.
12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Midland Credit Management Inc., has also engaged in identity fraud. Midland Credit Management Inc., used my social security number to report private information to the consumer reporting agencies, which is also a violation of the Privacy Act of 1974.
Each month that Midland Credit Management Inc., reported my private information without consent is a violation of the Fair Credit Reporting act. Midland Credit Management Inc., has reported my private information without consent for 28 consecutive months, to all 3 ConsumeXXXX Reporting Agencies, equaling 84 separate violations of the Fair Credit Reporting Act.
WHEREFORE, I demand {$1000.00} per violation of the Fair Credit Reporting Act. I demand the accounts be deleted from all Consumer Reporting Agencies reports.
|
| 09/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Over a year ago I embarked on a journey of cleaning up my credit in preparation of buying a house. I was one of those people ( in my XXXXs ) that wasnt particularly savvy about checking my credit or how to increase it. So I started getting familiar with XXXX XXXX, and thats when I noticed two accounts that were in my name that werent mine. One was a credit card through XXXX XXXX, and another was with something called XXXX XXXX for a whopping {$1300.00}. Even though I wasnt credit savvy, I at least knew that I did not own any kind of credit cards during the time these accounts were opened. I disputed them through the online application with XXXX XXXX and the filed it for me. Within a month XXXX XXXX sent me a full report about the details on the account that was opened- and I was able to discover it was an account opened up in my name online and delivered to an address I used to live with my ex-girlfriend- which she actually still lived at. It was then pretty obvious by the fact that all these transactions were cash advances until the card was maxed- that it must have been her doing this. We broke up on very bad terms and unfortunately she knew all of my personal information. So I filed a police report and sent the report to XXXX XXXX. I never received anything from XXXX XXXX though but it was marked as disputed on my credit file. For a year that has been the last of it and I moved on. Fast forward to now- Im in the process of buying a house and these two disputes are still on file. I contacted XXXX XXXX- they apologized and handled it without any troubles. The only number I had to contact XXXX XXXX was the credit agency they were working with- Midland Funding . I thought maybe they also needed a police report if it looks like the fraud started in the same place. So I contacted Midland Funding yesterday- explained my situation and that I was a victim of identity theft that was discovered a year ago- and that I disputed XXXX XXXX but needed more details in case I needed to also file a police report with my dispute. The man I spoke with was beyond rude- and spoke to me in a way I could not believe. He said he thought it was an account I opened up- ran up- and just forgot about- and that he doubted it was identity theft because whomever opened the account had made a few payments. All he would tell me is that it was with something XXXX XXXX- and when it was opened. When I said that I dont just open accounts and forget about them- that I have a perfect payment history with three credit cards that I now have- his response continued to be rude. I explained that I didnt even know what XXXX XXXX was- and that Identity theft can indeed include an ex girlfriend who opened up an account fraudulently in my name and was using it. His exact words were, What I think is going on is that youre trying to buy a house and you need this off your report so youre just trying to make up a police report to make your dispute seem legitimate. I couldnt believe what I was hearing. I reminded him that falsely making a police report was a crime- and I wouldnt be doing it unless it was legitimate. I told him I would be filing- and also filing a complaint against his company. His response? Go on ahead but this will stay on your credit report forever. I have since filed a police report in regards to the fraudulent account- and would like it known that Midland Funding is horrible to work with.
|
| 05/22/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Asset Acceptance have been attempting to collect a debt on me since XXXX, it has been 15 years. A judgement was filed and ordered on me on XXXX, for {$1900.00}. I received a letter today from Asset Acceptance XXXX, saying that the current judgement amount is {$2800.00}. Problems with my case : 1. they will not show the date when my account was open or closed, just the charged off date ... if the true date was shown then it would prove that the statue of limitations had expired and they would not have been able to file anything ; 2. this was an identity theft case ; 3. I never received a subpoena for this case and the court officer admitted today, that the court has the wrong address on file for me ; 4. after 15 years with a judgement, interest is still accruing, how can interest accrue if it was never specified or awarded by a judge, I have never received any interest statement, so how are they charging me ... that is not a fair practice, they in fact could say anything about interest, unfair practice/illegal ; 5. they are still filing writs of garnishment on me after 15 years, they file them every couple of years ... if a writ last 10 years by state law, why do they repeatedly file them ... thus, the writ will never expire because they will file another one years ahead of time and add another 10 years, this is an unfair/illegal practice because that would mean that they can keep filing writs on me, whenever they want to, until the day I die ; 6. the current interest is {$890.00}, how can you award yourself interest without showing me proof ... thus, interest at what percinct and in what year, where is the proof ... .again, this allows them to say and do whatever to the consumer, unfair practice illegal. Ie..on XXXX, the judge ruled {$1900.00} and the conditions state : this judgement/order resolves the last pending claims and closes the case. There are no further issues to be litigated ; 7. Asset listed that the last payment I made was on XXXX XXXX, XXXX with an agreement ... thus, if so, why did they file a case on me a couple of months later ... highly, unlikely ... whereby, if they alleged that my account was charged off on XXXX XXXX, XXXX, why wait 4 years to take me to court ... highly unlikely ; 8. this does not even include the harassment from XXXX, the endless phone calls and correspondences ; 9. Again, they do not show the opening or closing dates of my account ... thus, they can say what they want against me, illegal/unfair practices ; 10. Repeatedly filing writs of garnishment ... thus, no expiration, illegal and unfair practice because this allows them to do what they want against me, outright illegal ; 11. Statue of limitations expired long before they attempted to take me to court ; How are they allowed to file more than XXXX writs of garnishment on me since XXXX, XXXX, XXXX ... how can then keep filing writs and getting new extensions.
The XXXX writ expires this year and they are able to take my XXXX taxes with their illegal practices, additionally, how can you file another writ on me long before the first one expires, and how in the heck can you keep adding another 10 years on me to collect from me, every couple of years, when you want to ... illegal, purely unfair practices. They can not be allowed to keep mistreating me because they think that they can.
Every aspect that I have listed proves unfair and illegal practices by Asset Acceptance.
|
| 08/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Re : MIDLAND FUNDING, LLC and Multiple Disputed Accounts To Whom it May Concern, Per the Midland Funding web site, you have historically indicated that in compliance with your Consumer-First reporting protocol, any collection account which is more than 2 years old, based upon the time since last delinquency, your company will cease to report to the Credit Bureaus. All of the alleged accounts which you are currently reporting to my credit files have last delinquency dates older than two years from the date of this letter, yet you are continuing to reporting them on a monthly basis, and increasing the reported balances, further damaging my credit! I have disputed all of these accounts with you in writing on multiple occasions, asking you to provide me with any contract between us, containing my signature, thereby proving that these are indeed my accounts, and that I have any contractual obligation to you. You have continued to reply to me with unrelated paperwork, and have failed to do this repeatedly. Your company also did not reply in a timely manner with the exact information that I have requested in multiple certified letters that I have sent, the most recent of which you signed for, on XX/XX/XXXX. By not replying in a timely manner to my correspondence, and failing to provide what I have requested of you for validation, not verification, you have not only violated federal and state laws, but you are continuing to report these alleged accounts inaccurately and causing me undue financial hardship. These inaccurate, unvalidated, unverified accounts that you continue to report to my credit files are causing me ongoing financial and emotional distress. They should have all been deleted long ago. Should you continue to choose to report this inaccurate data to my harm, and choose not to delete these accounts right away from all Credit Bureaus and third-party data providers, I will certainly file small claims actions against your firm for the maximum remedy provided to me by law. I have indicated this intention in correspondence with each of the Credit Bureaus as well. I am keeping detailed records of all correspondence with your firm, and the bureaus, which fully supports my position. And I will utilize it to file said claims should your continued negligence and inaccurate reporting make it a necessity. In addition, any court judgment upon which Midland Funding may be claiming to rely upon to defend their position will certainly be challenged by me in court as Void on Its Face, lacking subject matter jurisdiction. I was unable to attend any hearings in order to defend myself, and case law which I have researched will support that any said judgment ( s ) are in fact void, based entirely upon third-party hearsay, no proof on record of a contractual obligation directly between myself and Midland Funding, and are supported primarily by unchallenged affidavits of fact which were provided to the court in my absence. By way of example of relevant case law, I offer the following : Default judgment must be proved by evidence entered on the record through a competent witness. See XXXX XXXX XXXX v. XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). Statements of counsel in brief or in argument ARE NOT FACTS BEFORE THE COURT AND ARE THEREFORE INSUFFICIENT FOR THE COURTS SUMMARY CONCLUSION, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
|
| 11/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management and the XXXX XXXX of XXXX XXXX are both equally horrible companies. First off I wrote back when initially receiving my letter from Midland Credit Management and a letter after stating they bought my debit. I asked for debit verification as I believe the amount to be lower than stated. While waiting for that to come I did space paying this or being on top of it. They never responded and then this last Sunday I got served papers about a judgment. In that judgement they stated I was notified more than 10 days before. I was not. They have XXXX proof their letter even left their building. They state they have XXXX in the computer, but took no such steps as to validate it was actually mailed. I had no clue my account was even with the law firm or else I would of once again asked for the proof for a second time.
To include with the business shady acts, I asked on Tuesday XX/XX/XXXX if I Could get in writing they would not move forward with garnishing wages if I did a payment plan. The man I was speaking said they do not do that and only give verbal commitments. He said they wouldn't move forward with garnishing but would not put it in writing. Which I said well every government site says not to pay unless you get what's agreed in writing and I needed to do research. HE then proceed to say I can do more research but tell me why I'm wrong as a act to dissuade from me researching. I then ask if I could record that, he said yes. While trying to turn on voice memo and the speaker phone, the call got disconnected. I then called back immediately with a call recording app, stating I was on a recording line and the new lady helping me all the sudden when I asked if they could do something written, she said yes I'll send you this document that we will file stating you want payment agreement and we will not garnish your wages, etc all you got to do is sign it and send it back. I still have the voice recording file but there's a buzzing over the whole call. With how shady this company is, I would not be surprised they have some sort of recording blocker. I'm sure they can find the calls though as they record everything. I know this to be a fact as when my wife tried to contact the lawyer on my paperwork, she stated she could not talk about it because it had to be a recorded line.
When my wife asked about documentation on Wednesday, XXXX XXXX XXXX representatives said that was a question for Midland Credit Company. So my wife calls midland, and repeadtly gets told she needed to call the lawyers. Eventually they relented after my wife saying multiple times the lawyers said to come to them for that question. When asked about proof of debt, they said they have to speak to someone and will call back. Guess who did receive a call back? Us. She also asked about receiving writing from XXXX XXXX about paying in full and dropping lawsuit. Once again she is told they don't do that and only give verbal comitments but if we choose pay the debt in full, they would discontinue the judgment process and not charge fees. Their site won't even let me make payment on XX/XX/2022. They also have tried to tact on extra legal fees without even receiving a judgment, which can be proven by listing to their call.
I once was XXXX with my credit but I work hard to take care of it now. Midland and XXXX XXXX have no intention to be honest or work with someone.
|
| 04/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management bought my debt from XXXXXXXX XXXX after I defaulted on my credit card payments as I could no longer make the payments. They opened a collections account regarding my credit card from XXXXXXXX XXXX on XX/XX/XXXX and it was reported to each credit agency. I received a letter in the mail in XXXX saying they were going to sue me if I did not call them to set up payments. When I spoke to them in XXXX I informed them that was the first letter I received from them and demanded they send me all of the information regarding this debt. Due to it being close to the holidays, I would not have actually seen this letter anyway till after the new year as I would be staying at my parents and going out-of-state, which I made sure to tell them. When I got back I called them to set up payments. I asked if theyd be willing to knock some of the debt off but they refused to lower the debt at all despite me telling them I am on very limited income as I am a single mom on XXXX. I entered into a contract with Midland Credit Management to pay my credit card debt from XXXX XXXX that went into collections in XXXX, on XX/XX/XXXX by paying {$23.00} to them. I then agreed to make automatic electronic payments, once a month, of specific amounts, on specific days, using my debit card and then my checking account as backup since my debit card was to be updated in XX/XX/XXXX. I did an over the phone contract with them to agree to this on the same day, XX/XX/XXXX. MCM then sent me an email to confirm all of this and the receipt showing I paid the amount of {$23.00}. I also have an email dated XX/XX/XXXX stating that my electronic payment is due soon and would be automatically deducted from my account, then shows the last 4 digits of my debit card. After this I learned in my law class that these debt collection agencies pay pennys on the dollar for these debts and do have the ability to lower the debt amount. So Midland Credit Management could have lowered the amount of debt I would have paid especially knowing my circumstances being a full time single mom on XXXX, who is also a XXXX XXXX, but they just wouldnt.
Since XX/XX/XXXX, they have not deducted the agreed upon amount and I have only received the one email from XX/XX/XXXX regarding it. I will also be disputing this on my credit report. I believe they are doing unfair debt collection practices to unfairly and deceptively obtain a debt from me, as well as using false, deceptive, and misleading practices which are covered under the FDCPA. To support my claims I will be including email communications with date and time stamp showing the agreed upon specified days that the specified amounts were to be paid until the contract ends. The email reminder from XXXX. I will also be including bank statements with my name and only the last 4 numbers of my bank account showing. This is to show Midland Credit Management taking the {$23.00} and then not following through on their contracted agreement in the months since XXXX. The bank statements will also prove that I did have money in my account when the specified amounts were to be taken out so that they can not refute by saying that I was the one to default on the contract by not having money in my account. Lastly, I will be including a copy of my XXXX XXXX benefit verification letter from the Social Security Administration to prove I am XXXX and receive it.
|
| 09/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, I have a debt collection under my credit report reporting by XXXX XXXX ( account no. XXXX and XXXX and XXXX firm No. XXXX ). This use to be a XXXX XXXX card. A month after I received my credit card, I lost my card or misplaced it. A charge in the amount of XXXX or more I think was done and soon after I contacted the credit card company. They took notes and stated they would contact me soon after. I never received a call. Time after time I write to XXXX XXXX as well as XXXX XXXX and they continue to report on my credit report. Currently, my credit report shows " XXXXXXXX XXXX ; Account information disputed by consumer ; and yet again Consumer disputed this information ''. It clearly communicates in my credit report that I am disputing and have been disputing this debt. I did not make the charges on my card, ever, and yet it continues to be charged. I have not received any letters from the Creditor providing my signature on documents etc of where I charged this debt. Now, the account is being collected by a law firm by the name of " XXXX XXXX XXXX '' out of XXXX, TX. I called XXXX XXXX today on XX/XX/18 to advise once again of my dispute on the account and I was told that the debt was now being collected by XXXX XXXX XXXX at XXXX. I contacted the firm and spoke with a supervisor by the name of XXXX XXXX. I address with Mrs. XXXX my issue with the debt being charged on my credit card and me not being the responsible party of this debt. I stated that for years now, I have been contacting the bank ( XXXXXXXX XXXX and XXXX XXXX ) and she mentioned that my account did NOT come over with any notes and they were collecting this debt. I stated, how can you collect on this debt, yet not have any documentation as to the times I have called. I stated, why does my credit report clearly state that " Consumer is disputing this debt '' and yet she has not documentation. I stated why are you collecting on an account that you do not have any information on. She stated that the account did not come over with this and that they would reach out to XXXX XXXX for this information. That was really upsetting knowing that they don't even have documentation on this, only terms and conditions, no signature, no original signature as I requested for the charges. I stated I did not make these charges on this account and I am not responsible for this debt. I was then told that I would have to YET AGAIN write another letter, now the firm of XXXX XXXX XXXX and let them know that I am not responsible for this debt. I stated to her that per the Fair Debt Collection Practice Act I was to be informed of my debt, along with the charges, and the disputes made. She told me that she did not have that information and I would have to write another letter. It is unfair practice that this firm is attempting to collect a debt that is not mine. I am asking that this XXXX XXXX and the firm of XXXX XXXX XXXX be reported for falsely trying to collect on a debt. The firm does not even have my documentation, notes, phone calls etc that I have made to the debt collectors. They told me to write a letter to them, they have just started working this account since XX/XX/2018. I ask that you please assist me. This firm is trying to collect on a debt they can not prove that this was my charges and further more have any documentation whatsoever as to all my calls to XXXXXXXX XXXX and XXXX XXXX.
|
| 11/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Midland Credit Management , Inc. has sued me in XXXX XXXX XXXX XXXX relating to a credit card debt claimed to be owed to its predecessor in interest, XXXX XXXX
Midland Credit Management , Inc. has sued on only one cause of action, " ACCOUNT STATED '' and alleges that " the parties agreed upon a resulting balance '', " There are no unresolved billing disputes made in response to receiving the account statements '' and " By using and/or making payments on the subject account, the Defendant accepted the resulting balance ''.
These statements are all false. I, XXXX XXXX, disputed the debt as fraudulent at every opportunity. I disputed it with XXXXXXXX XXXX via phone, within days of the charges, as soon as the charges came to my attention. I disputed the debt in writing when it was acquired by Midland Credit Management , Inc. and I disputed the debt with the attorneys for Midland Credit Management by letter when they contacted me prior to filing their lawsuit against me. I also never used the credit card account or made any payment on the account after the disputed charges were made.
All of this was known to Midland Credit Management , Inc. prior to their filing suit against me. Their suit was in bad faith and relies on false statements in their Complaint.
Midland Credit Management , Inc and their counsel, XXXX, XXXX, XXXX XXXX XXXX, XXXX are bad faith actors that abuse the process of the legal system. I have been required, so far, to attend Court proceedings three different times and it is more than obvious that their legal counsel is not in the business of practicing law, but is really in the business of taking defaults.
My initial Court appearance was mandatory mediation where I observed Midland Credit Management , Inc. take the defaults of people who did not appear. I basically told Midland Credit Management and the mediator to go jump in a lake since I didn't owe the debt.
Had I not shown up, I would have lost by default. Then, despite this mediation, Midland Credit Management , Inc. filed a motion for another mediation, which was granted by the Court. After that, there was a mandatory Case Status Conference whereupon the Court reiterated the order for the next mediation. No other business was conducted at this hearing. Once again, had I not shown up, I would have lost the case by default and the Court indicated to Midland Credit Management , Inc. 's counsel that his other appearance was taking a default.
Now, Midland Credit Management , Inc., gets a third opportunity - at the mediation on XX/XX/2022, to take my default if I don't show up.
The system is rigged in their favor. They file false allegations that they know to be false. Their counsel does not actually practice law and has made the most elementary mistakes in the litigation. That's because this is a collection mill and not actual practice of law. This is filing suits with inapplicable boilerplate knowing that the system will grind most ordinary people down. These are not lawyer, they are default takers. And the court is their ally because the court would rather have endless appearances instead of an actual trial. So the system works to deprive Defendant 's of their rights.
All participants in this system should be ashamed of themselves. Especially XXXX, XXXX, XXXX XXXX XXXX, XXXX. They are a slimy collection mill, losers who don't deserve the title of attorneys.
|
| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management.
Due to the XXXX XXXX XXXX XXXX, and the issues that I am still experiencing, it has taken me longer to deal with this matter.
Midland Credit Management is manufacturing verification letters after the fact.
I did not receive any of the letters that they are claiming to have sent in XXXX, I found out about them after looking at copies of my credit reports.
This collection agency did not verify the debts that they have placed onto my credit files, prior to placing them.
This collection company is claiming that I owe accounts with XXXX XXXX, and XXXX XXXX XXXX XXXX has falsified account information that they have passed onto Midland Credit Management, and Midland Credit Management has ran with the fraudulent information.
XXXX has claimed that I had an account with XXXX that I opened in XXXX, and this is not true, The original account was opened around XXXX, paid off closed, and reopened again around XXXX, paid off again, And in XXXX I had filed several complaints with XXXX XXXX, CFPB, and XXXX, because XXXX had not given me credit for several merchandise shipments that I had returned, totaling hundreds of dollars, and XXXX was of no use in helping me to resolve the matter.
I paid off the XXXX account several times, and they kept adding fraudulent fees to the account, claiming that it had not been paid off.
The XXXX XXXX account, I have had no dealings with them since around XXXX of XXXX, and they owed me money.
I was owed XXXX pairs of sandals that were backordered, and out of stock, as well as a pair of XXXX XXXX XXXX that their representative had messed up on the sale item on the order, and I was over charged.
Due to issues with the orders the supervisor that I spoke to back then, was to send these items to me free of charge.
Check with the representatives of XXXX XXXX if possible, they should be able to look up this account, XXXX is going to lie, as they are doing on their statements.
Back in XXXX of XXXX there should have been a refund to the account for over {$200.00} plus dollars for a shipment of XXXX dresses that arrived to my home damaged, due to the package arriving completely wet.
XXXX XXXX should still be able to provide you with the photos of the package that I had sent to them.
The account should have been showing a XXXX balance.
Any charges on the XXXX XXXX account, are fraudulent fees, and charges, that XXXX has added to the account.
XXXX had continued to add fraudulent usury charges, and fees to these accounts, as well as others, for months after XXXX of XXXX.
I did not charge up these fraudulent balances as they are claiming.
If you follow true statement information, you will plainly see that I had not been charging anything.
XXXX ran up hundreds of dollars in usury fees, and charges that I am not responsible for.
These fraudulent balances were maliciously ran up, due to the fact that I had complained about XXXX, and XXXX XXXX, to several agencies.
I dont owe the balances that are being reported on my credit files, neither have I had anything to do with either, XXXX Bank XXXX nor XXXX XXXX since XXXX of XXXX.
The account information that is being added to my credit files is not true, especially the made up account lies for XXXX.
cc : State Attorney General cc : Federal Trade Commission
|
| 12/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Older American |
|
The issue is a XXXX XXXX Illinois judgment pertaining to Case Number XXXX issued sometime in XXXX. Plaintiff being Asset Acceptance , LLC represented by XXXX XXXX XXXX.
I am in the process of securing mortgage financing related to the purchase of a condominium situated in XXXX XXXX, California. During the course of the mortgage due diligence process, the mortgage broker informed me that the above-referenced judgment was indicated on my credit report.
My research on this matter led me to the conclusion that the debt giving rise to the judgment was originally associated with a credit card balance that I had due and owing to XXXX ( XXXX ). Apparently, after XXXX assets and deposits were acquired by XXXX XXXX ; XXXX XXXX sold my wife 's account to Asset Acceptance.
All of my credit card transactions with XXXX were in the XXXX to XXXX timeframe.
Hence, when Asset Acceptance , LLC initiated the lawsuit against me to collect the old XXXX credit card debt on Asset Acceptance 's behalf ; the statute of limitations had run its course, by several years, in the states of Ohio, the state in which I resided when the initial credit card was issued, Illinois, the state in which I resided at the time that the litigation was filed, and in Washington, the state in which XXXX was situated at the time that the credit card was issued.
I am also more than well aware of the fact that in XXXX, the Federal Trade Commission filed a complaint against Asset Acceptance for deceptive practices. One of the main allegations of the Federal Trade Commission was that Asset Acceptance coerces consumers to pay their old debt without telling them that the statute of limitations had elapsed on the debt, and the consumers could not be sued to collect it. Other allegations include the misrepresentation of the details of debts, failing to verify authenticity of debts, giving credit reporting agencies negative information without notifying consumers, not conducting investigations after receiving notifications of disputes, and calling and giving information about debts to uninvolved XXXX parties.
XXXX filing of the lawsuit against me also runs contrary to his present day firm 's commitment to compliance with regard to adherence to the Fair Debt Collection Practices Act as your firm is actively involved in local, state and national legislation involving legal collections and creditor rights.
I am respectfully requesting that Asset Acceptance , LLC satisfy/vacate the judgment in XXXX XXXX on an immediate basis.
Their failure to do so will leave me with no other alternative than to : 1. Engage the services of legal counsel in Illinois who will petition the Court to vacate the judgment on the basis that the lawsuit was not filed in timely manner, e.g., not within the statute of limitations.
2. File suit against you personally for malicious prosecution.
3. File a complaint against Asset Acceptance, yourself and your firm with the Federal Trade Commission regarding deceptive practices as defined and prohibited under the Fair Debt Collection Practices Act.
The deception referenced above includes, but is not limited to, your and Asset Acceptance 's failure to notify me, the consumer, of my right to dispute the debt, either in part or in full, with the debt collector thereby effectively foreclosing my right to demand verification of the debt from the debt collector.
|
| 10/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
First and foremost Ive sent them an affidavit of truth and they never respond all they did was send me copies again off some bill they said they would stop but they didnt anyone can send copys of bills. The have repeatedly violated my right under usc 15 usc 1692 .Show me the contract I have with you cant I dont have one with you or the other company you claim I owe money to.
Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth .Proof of claim The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP , ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth. Proof of claim The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items : The amount you claim the Principal owes you. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. *All legal documents. An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. Evidence of your license numbers and your registered agent. FACTS ON THE MATTER Fact, I so invoke XXXX XXXX XXXX, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting.
|
| 03/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Midland Credit Management responded to my complaint to CFPB ( # XXXX ) and falsely stated that : You also express a concern that we have ignored your requests for validation. A review of our records indicates that we have not received your correspondence sent on XX/XX/XXXX via certified mail ; in fact, no correspondence was received directly from you regarding the above-referenced account prior to the complaint filed through the CFPB. '' The Certified mail receipt dated XX/XX/XXXX and the letter which was sent is attached to this complaint. Midland Credit Management , Inc. is in direct violation of 15 U.S.C. 1692e ( 6 ) ( A ) ( B ) by making this claim. XXXX was asked in the certified mailed letter for specific validation documentation and proof that I entered into a contract with MIDLAND CREDIT MANAGEMENT , INC. for an alleged Debt of {$1600.00}. Pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Midland Credit Management is in direct violation as they : did not respond in writing. 2. did not respond within the ( 30 ) day period. 3. Continued to furnish invalid information to CRAs.
Midland Credit Managements attempt to furnish this information after the fact via CFPB response XX/XX/XXXX is direct violation of15 U.S.C. 1692g ( a ) ( b ).
In my complaint I also referred to the harassing phone calls from Midland Credit Management , Inc., in direct violation of 15 U.S.C. 1692d ( 5 ) ( 6 ).
Furthermore, MIDLAND CREDIT MANAGEMENT , INC. a debt buyer, stated in its response ; Information provided by the seller, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, at the time of acquisition indicates this account originated on XX/XX/XXXX, as a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX account number ending in XXXX, in the name of XXXX XXXX, under the last four of the social security number XXXX.
The definition of a credit card under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with XXXX XXXX XXXX. At the time of Midland 's acquisition, I did not owe any debt to XXXX XXXX XXXX. I am the original creditor as XXXX XXXX XXXX gained a loan under my name as can be proven in an audit trail according to GAAP ( 12 USC 1431 ).
I refute the debt claim of {$1600.00} made by MIDLAND CREDIT MANAGEMENT , INC. and seek remedy for each violation in the amount of {$6000.00}.
|
| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I sent several certified letters to Midland asking for validation. I have not received a response, it'sbeen a year. They continue to report the debt to all 3 credit bureaus without validation with me. I do not have debt with Midland Credit. According to the Texas Finance Code Sec. 392.201 REPORT TO CONSUMER.
Not later than the 45th day after the date of the request, a debt collector shall provide to a person in its registry a copy of all information contained in its files concerning that person.
Sec. 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES.
An individual who disputes the accuracy of an item that is in a third-party debt collector 's or credit bureau 's file on the individual and that relates to a debt being collected by the third-party debt collector may notify in writing the third-party debt collector of the inaccuracy. The third-party debt collector shall make a written record of the dispute. If the third-party debt collector does not report information related to the dispute to a credit bureau , the third-party debt collector shall cease collection efforts until an investigation of the dispute described by Subsections ( b ) - ( e ) determines the accurate amount of the debt, if any. If the third-party debt collector reports information related to the dispute to a credit bureau , the reporting third-party debt collector shall initiate an investigation of the dispute described by Subsections ( b ) - ( e ) and shall cease collection efforts until the investigation determines the accurate amount of the debt, if any.
( b ) Not later than the 30th day after the date a notice of inaccuracy is received, a third-party debt collector who initiates an investigation shall send a written statement to the individual : ( 1 ) Denying the inaccuracy ; ( 2 ) Admitting the inaccuracy; or ( 3 ) Stating that the third-party debt collector has not had sufficient time to complete an investigation of the inaccuracy. Reporting inaccurate information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Either provides validation of this alleged debt and corrects all inaccurate information you have furnished to the credit bureaus or remove this disputed account from my credit reports.
If Midland Credit had fail to respond to the validation request within 15 days from the date of receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that Midland Credit assure that their records are in order before I am forced to take legal action pursuant to the Texas Debt Collection Act, Texas Deceptive Trade Practices/Consumer Protection Act, Fair Debt Collection Practices Act, and Chapter 392 of the Texas Finance Code. This request is being made in order to VALIDATE a debt that Midland Credit company has never contacted me in regards to. This is an attempt to correct their records ; any and all information obtained shall be used for that purpose.
I'm sure their legal staff will agree that non-compliance with this request could put Midland Credit company in serious legal trouble with the FTC and other Texas state or federal agencies.
Thanks, XXXX XXXX
|
| 05/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is a complaint in regards to the Debt Collection Agency, Midland Credit Management AKA Midland Funding. Beginning a few years ago, I was reviewing my credit report and saw that there was a collection against me from Midland Funding in the amount of {$300.00}, placed for collection on XXXX/XXXX/XXXX from the original creditor, XXXX XXXX. Assuming this was a mistake as I had not had XXXX for some time and had not received an outstanding bill, I disputed the information online with the credit bureaus. Not thinking anything else of it, I assumed that this information would be corrected and did not pull my credit report to review again until recently. Upon reviewing my credit report, I was horrified to not only see that Midland Funding had verified this information as accurate with the credit reporting agencies when they had originally investigated it but Midland Funding did not send me any proof that I owed this debt. Furthermore, now there are XXXX collections on my credit report from Midland Funding both for XXXX XXXX. The second collection account was added by Midland Funding to my consumer credit report on XXXX/XXXX/XXXX in the amount of {$1600.00}. I was absolutely horrified. I could not comprehend how I now have XXXX accounts from Midland Funding from the reported creditor XXXX XXXX totaling the amount of {$1900.00}. I immediately filed a dispute with all three credit bureaus and sent Midland Funding a detailed letter stating that I was disputing the accounts and requesting validation ( my original letter and return receipt attached ). Midland Funding then responded to me on XXXX/XXXX/XXXX stating, " ... we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate '', they go on to state, " In order to further investigate your dispute, we need additional information to identify the basis of your dispute, including a complete explanation of your dispute would be helpful '' ( letter from Midland Funding attached ). As you can see from my letter to Midland Funding, I clearly explained that I was disputing and requesting validation and the letter that they sent to me has my reported account number, so I am unclear how they do not have enough information to investigate or how they are confused as to the nature of my dispute. Furthermore, I contacted XXXX XXXX on XXXX/XXXX/XXXX to investigate for myself as the letter that Midland Funding sent me states that, " ... information provided by the previous creditor '' lead then to deny that their records were inaccurate. When I contacted XXXX XXXX on XXXX/XXXX/XXXX, I was told that there was no record of me owing any past due balance, much less a balance in the amount of close to {$2000.00}.
As a consumer, I believe that my rights are being grossly violated. If an organization has the ability to put information on my personal credit report, I believe that I have the right to receive validation that this is an actual debt that I owe. Furthermore, while Midland Funding sent me this letter, the same day I received a letter from XXXX stating that " the credit grantor has verified its accuracy '' ( letter attached ). I am very unclear how this organization can ethically or legally verify a debt with a credit bureau but yet can not provide me, the consumer, with any validation that I owe this debt when I clearly requested it.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
It should be known that at present time, Midland Credit Management is improperly reporting incorrect/ inadequate information on my XXXX report. They are also intentionally failing to report information on a account to XXXX which constitutes the report as incomplete. Finally, Midland is improperly reporting information that violates the standards of the XXXX XXXX. Said account reporting to XXXX is under account # XXXX. It was disputed with XXXX and denied on grounds that account belongs to me which was never a ground I disputed account on period and Midland verified account information as accurate. Midland is violating the F.C.R.A., XXXX XXXX, and due process of federal law. The errors and discrepancies are as follows- 1 : Said account is being hid under other accounts due to payment history showing and due to account showing as a open account or open trade line because under account status it says account is open. This is a account that was closed by original creditor and sold to Midland. No collection accounts should have a open status. Midland Credit Management can't extend credit to anyone and is a debt buyer. Midland Credit Management can not have a open credit type or status with anyone and should not be reporting any type of accounts except collections. Nor are they the original creditor and nor do I have and written or signed agreements with Midland. Nor have I ever been contacted by them or agreed to anything. This is a closed account period. 2 : Date last verified is missing making report incomplete. 3 : Date closed is missing making report incomplete. 4 : Date of last activity is incorrect and not been updated in 2 years. 5 : Report shows a past due amount of XXXX. Midland is not the original creditor or a creditor and can not report a account as past due or current. 6 : Under months reviewed, it says 13. Midland is not a creditor and I have no terms or agreements with them. No terms or months reviewed should be showing. 7 : Under payment status, it says 120 days late. Debt buyers or Collectors can't report payment status. Midland is not a creditor or original creditor and prohibited from reporting payment history. 8 : Debt buyers or Collectors can't report payment ratings because per metro 2 it is not applicable and nor is there any room on form for payment ratings from a debt buyer or Collector as Midland is violating. 9 : On 2 year payment history calendar Midland reports XXXX XXXX XXXX as 90 days late. This is in error and in violation of XXXX XXXX in that Midland is not a creditor, not the original creditor, and I have no signed agreements with them. There is no payment history to report from Midland. 10 : Under 7 year payment status, Midland reports 1 90 days late. This is in error and violates the XXXX XXXX and the F.C.R.A.. Midland is no creditor or original creditor and prohibited from reporting payment history on XXXX XXXX form. There should be no payment history to report. I have never authorized or signed any agreements with them. 11 : No balance should be showing as XXXX. Midland is no creditor or original creditor and no balance should be showing. Once original creditor closed account, only XXXX balance should be showing. A copy of the Consumers smart credit 3 bureau report is included for review to see all errors. A civil suit is impending against Midland if this account is not deleted.
|
| 08/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am requesting that the garnishment on my banking account be rescinded. I was informed by my credit union on Tuesday, XX/XX/XXXX, that my account had been garnished. I am left without funds to sustain from day to day.
On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX informed me that XXXX XXXX XXXX had issued a garnishment against my account. The credit union records show a judgment back in XXXX. The credit union financed a car for me just two months ago. If there was a negative judgment on my credit report this loan would have never been approved.
I have never had a contractual financial agreement or any financial obligation with XXXX XXXX XXXX. I have no idea who they are nor how I am indebted to them nor what facts make up the amount in question, {$5900.00}. What evidence do they have that they have ever tried to reach me. I have lived at the same place for over 30 years and have worked at XXXX since XXXX.
I used the internet to search XXXX XXXX XXXX, all NEGATIVE reviews. There are several ads suggesting you contact an attorney if you are being sued by XXXX XXXX XXXX. I contacted two attorneys that suggested bankruptcy as the solution and one attorney suggested the statement below : __________________________________________________ Ms. XXXX : The garnishment action is based on a default judgment granted in XXXX of XXXX. Do you remember that? I would also advise you to go to the XXXX Court to see the return of service, how were you served? Unfortunately, too much time has passed for you to ask for a new trial. You can cancel your direct deposit and get a paper check or open a new account to regain control of your funds. Once you do this, they may agree to some kind of payout. I don't think there's much an attorney can do for you that you couldn't do on your own, I wish you the best.
___________________________________________________ I am not sure how or when the judgment was granted back in XX/XX/XXXX. I have never been served or notified, to my knowledge, of any judgment. If XXXX XXXX XXXX was able to locate my place of banking, they surely could have located my place of employment and served me at work before they garnished my banking account. The credit union is on the XXXX XXXX and I work on the XXXX XXXX of the same building and I have been in this same building since XXXX. This is such a drastic measure after 7 to 10 years.
I am requesting a mediator and professional/legal assistance in identifying my financial obligation to XXXX XXXX XXXX. There is no attorneys that can help and I asked for advise from the Judge 's court and was told that they would not give advice. What am I to do? I am requesting direction.
BRIEF BACKGROUND : In XXXX I lost my job after 32 years with XXXX, XXXX. I was unemployed until XX/XX/XXXX. I was employed by XXXXXXXX XXXX XXXXXXXX for $ XXXX annually, before deductions. I was eventually hired by the XXXXXXXX XXXX XXXX XXXX and XXXX XXXX in XXXX. During this period ( XXXX thru XXXX ), and due to the drastic salary change, I was no longer financially able to uphold my financial obligation with the creditors. I sent a letter to all of my creditors and the credit bureaus explaining my situation. During this time I experienced adverse financial hardship and poor credit ratings.
Your assistance is needed and greatly appreciated. I have copies to share if they are needed.
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I never did any business with MIDLAND CREDIT MANAGEMENT, I used XXXX to look into this situation and requested a contract signed by both parties, full accounting, and proof that I ever conducted business with the above mentioned company. In return XXXX said they completed the investigation and found that the information provided is correct, without providing any proof or contract.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
|
| 03/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
After receiving a Pre-Legal Notification dated XX/XX/XXXX and signed by XXXX XXXX, Division Manager, I asked for proof of this debt. This was given MCM account number : XXXX. I was never given proof of this debt. At the time of contact, I was informed by the representative that I was not entitled to receive proof of this debt and that if I did not start paying on this matter, Midland Credit Management would take me to court and have my wages garnished. After being bullied, I spoke to account manager XXXX XXXX on XX/XX/XXXX who told me I could make 45 payments at {$25.00} each month.
Since that time, I have made the following payments : XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}.
On XX/XX/XXXX, I received a letter in the mail telling me that my I qualified for a settlement. If I could not afford to take the settlement, I would have to call customer service and set up a payment plan with a minimum payment of {$50.00}. I called and spoke to a man, I believe his name was XXXX. I explained to this representative that I have not violated my payment plan and I wanted to stay with the current plan that I was on. He informed me that was not possible, and I have violated my payment plan by not making any payment in several months. I asked to be transferred to a supervisor and he told me No. He refused to transfer me to a supervisor. I became irate and yelled at him. He told me he was going to place a cease and desist on my account. I explained that I did not want a cease and desist placed on my account. He told me he was placing it anyways and hung up on me. I called back and asked for a supervisor and was given XXXX XXXX, a supervisor. He explained a cease and desist was placed on my account. I explained what had happened. He transferred me to a woman named XXXX who reviewed my account and removed the cease and desist. I was supposed to be transferred back to XXXX XXXX. Instead I was transferred to a non-supervisor named XXXX.
I explained to XXXX what was going on with my account and he asked me to send in check numbers. I explained to him that if Midland Credit Management was going to terminate my current payment plan that I am current on, and not work with me, then I needed a letter stating that in case this went to court. XXXX refused to talk to me anymore and told me he was placing an attorney stipulation on my account. I explained that I had no attorney and did not want any stipulations put on my account. He did so anyways. I spent approximately two hours on the phone being transferred from person to person.
Nobody at Midland Credit Management will talk to me now because of said stipulation. I was informed that the payment I sent XX/XX/XXXX ( check number XXXX ) would not be applied to my account because of this stipulation. I am enclosing copies of all seven checks that were credited to Midland Credit Management and cleared through my financial institution.
Since Midland Credit Management is not willing to speak to me about this account and is refusing payments on the account effective XX/XX/XXXX, I would like a letter from Midland Credit Management stating that Midland is refusing to work with me on this account and therefore cancelling the remainder of this debt.
|
| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
After much consideration, I am filing a complaint regarding the business tactics of Midland Credit Management. The company has engaged in exceptionally poor taste with their written communication style. They have been nothing but aggressive in pursuit of trying to collect payment for a credit card debt that I may not be the account holder for. They are expecting me to pay {$4400.00} or risk legal action against me.
For context, I never received the initial letter stating that the account in question was transferred to them. I sent a response to their XX/XX/2021 letter on XX/XX/2021 to dispute the claim and to obtain verification of the account in question. I responded because I wanted to make an informed decision, receive confirm that they are licensed to operate in the state where I live now, and most importantly, I don't get subjected to a lawsuit for an account that is not mine. I was a victim of identity theft a few years ago, which that case was never solved. Upon discovery of accounts being established under my name that did not belong to me, I filed a police report with my local police station in the area where I lived at the time. I received their response dated XX/XX/2021, on XX/XX/2021, and not only did they not confirm whether they were licensed to operate in the state where I live now. They provided a letter that they claimed was sent to me dated XX/XX/2021, regarding a transfer of my credit card account to them. They did NOT provide a copy of the original documents showing that I signed for the credit card account in question. Likewise, I never received the letter they claimed they sent to me dated XX/XX/2021. They requested a copy of either a police report or a completed FTC report regarding the identity theft. I was in the process of honoring their request when I received another threatening letter dated XX/XX/2021, giving me until XX/XX/2021, to either pay the entire amount or provide a response. I didn't receive this most recent letter until XX/XX/2021, which didnt allow enough time to provide a response, nor did it allow me to provide what they requested to verify that I did have an identity theft report. I tried to do what is right to protect myself and instead of some progress toward a resolution, I get the feeling they are using the threat of legal action as an intimidation tactic.
This company is by far the worst that I have seen in my life. I have never seen a company that seems so intent on trying to gouge money out of an individual and when the individual attempts to at least request the information required, they don't honor their request. I am not unwilling to come up with a payment plan if they provide a copy of the original contract from the original creditor. I do not want legal action being taken against me over any potential technicalities. I prefer to work out a resolution that bodes well over the long term over having a litigation that will cause more distress than it is worth over me exercising my right to require documentation before I go into a debt collection agreement. This is especially important as I have had identity theft happen to me. Please note that I am NOT using identity theft to get out of potentially resolving a debt, if I receive a copy of the original contract confirming that it is mine. I must make sure that I protect my financial well-being.
|
| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear XXXX, XXXX XXXX XXXX, XXXX / Midland funding LLC I am writing in response to your LETTERS dated XX/XX/2019, because I do not believe I owe what you say I owe any account ending XXXX This is the first time Ive heard any company on this matter therefore, in accordance with the Fair Debt Collection Practices Act. Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, physical contract with wet signature, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I respectfully request that you provide me with the following information : ( 1 ) Copy of original contract with my physical signature ( 2 ) Copy of the amount you pay to buy the debt from the original creditor ( 3 ) Proof that you are licensed to collect debts in New York ( copy of license ) ( 4 ) the amount of the debt from the original creditor, not statement or print-out ( 5 ) the name of the original creditor to whom the debt is owed.
( 6 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 7 ) Copy of any contract with my original signature between XXXX, XXXX XXXX XXXX / Midland Funding LLC and me.
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : ( a ) because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; ( b ) you can not add interest or fees except those allowed by the original contract or state law.
( c ) you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX and CFPB I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt and request deletion.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
|
| 04/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
On Tuesday, XX/XX/XXXX, at XXXX, I received a voicemail from phone number XXXX. The caller, XXXX XXXX, left me a message stating that he was calling about a claim sent by his office via U.S. Mail that I failed to respond to. He then stated that either myself, or my attorney should call him back at XXXX immediately. I can assure you that I have received no correspondence via U.S. Mail from XXXX XXXX and/or his Law Office.
At XXXX on the same day, I called XXXX and spoke to a female and told her that I just received a call from XXXX XXXX XXXX She informed me that XXXX XXXX is an attorney, and that their office is collecting a debt for Midland Funding, LLC. She informed me that if I didnt pay right now, that I would face a lawsuit, and be arrested at my place of employment. I informed her that the Statute of Limitations had expired on this debt per Pennsylvania law. She then stated that the Statute of Limitations have not expired, and that you will be arrested if this debt is not paid. I told her that she is currently violating my rights under the FDCPA, and that I will not pay her. She then stated, well I hope you have a good lawyer, because you are going to need it. Once again, this violated FDCPA law, and I also feel that my personal information is being given out by Midland Funding, LLC.
Be advised, she stated that she is calling on behalf of Midland Funding, LLC regarding a debt from XXXX. She also told me my Social Security Number, home address, date of birth, balance on account, and place of employment. I have looked into this 800 number, and also XXXX XXXX online, and it appears to be a scam. However, even if it is a scam, they somehow knew that there was a collections account in my name with Midland Funding, LLC. And they somehow received my information from Midland Funding, LLC. This leak of my private information is not appreciated and violates my privacy, and also my rights under the FDCPA.
The collection account in my name with Midland Funding, LLC, is past the Statute of Limitations here in Pennsylvania. I was also sued in court by Midland Funding, LLC, back onXX/XX/XXXX, but this case was withdrawn in my favor on XX/XX/XXXX. Midland Funding, LLC agreed to cease and desist from calling me regarding this debt.
Due to the harassing nature of this call, and being threatened to be arrested and sued, I filed a complaint with XXXX County, PA Law Enforcement officials. They are following-up with this information, and have said they will notify me of the results. Due to this breach of privacy, and violation of my rights under the FDCPA, I will be pursuing monetary relief.
Whether or not this call was made on behalf of Midland Funding, LLC or not, the caller definitely knew that a debt with my name on it was being collected by Midland Funding, LLC, as well as knew personal information about me ( Social Security Number, Address, Phone Number, Balance Owed, Date of Birth, and Place of Employment ). I am hereby demanding that this collection account be removed from, and stop being reported to the 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) immediately.
Please send me confirmation that this collections account has been removed from alXXXX XXXX Credit Bureaus ( XXXX, XXXX, and XXXX ), and that it is no longer being reported.
Attached is a copy of XXXX phone bill showing evidence of call.
|
| 06/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
I was contacted about a debt from Midland Management Credit Inc. by letter in XX/XX/XXXX. I asked for validation of the debt from Midlands Head of Compliance and received nothing from Midland. On XX/XX/XXXX I received a letter from XXXX XXXX saying that Midland had sold the Debt to XXXX XXXX XXXX. In XX/XX/XXXX I learned a lawsuit was filed against me by the Agent of Midland XXXX XXXX XXXX XXXX XXXX XXXX. in The XXXX XXXX of Maryland in XXXX XXXX. I responded to the suit with an intentuion to defend as well as a counterclaim for violations of the FDCPA. The suit filed by the Agent of the Debt buyer violates a Consent Order that the debt buyer Midland Credit entered into with the CFPB in XXXX and a XXXX XXXX Midland had entered into with the State of Maryland in XXXX. Both Consent orders are also binding on the XXXX of Midland. Almost everything Midland agreed to cease and desist from doing in both Consent Orders they committed once again by filing a law suit against me. I mailed a letter to the Secretary of Enforcement of the CFPB to advise enforcement Midland was still violating the CFPB XXXX Order I emailed a copy as well and received an email advising me to file a complaint on the CFPB website. Midlands Agent used an affidavit in support of judgement in the complaint they filed against me that was signed under the penalty of perjury by a XXXX XXXX who identified herself only as a " XXXX XXXX '' that was employed XXXX XXXX. CXXXX XXXX Upon investing I found that XXXX XXXX was a company officer of Midland Funding LLC a sister company to Midland Credit Management. Midland Funding LLC is a shell company that purchases debt and then gives it to Midland Credit Management to collect I also found out XXXX XXXX was an employee of Midland Credit Management Inc as a Legal XXXX all of which XXXX XXXX failed to disclose in the affidavit. XXXX XXXX also failed to disclose she was a stockholder that would benefit from any judgement obtained against me. Midland Credit along with their Agent have filed these very same lawsuits across the State of Maryland in various Courts obtaining hundreds and hundreds of judgements against Maryland XXXX all with false affidavits and business records they create. In the words of XXXX XXXX in her affidavit in support of judgement they buy the debts of the original creditor and without certification roll them into the records of Midland Credit Management for the purpose of altering them and giving them a control number and coordinating that control number with the XXXX XXXX XXXX they receive from the original creditor. They then print the records out and send them to XXXX of their Agents to file suit. XXXX which they agreed to cease and desist and all of which they are continuing to do. Midland Credit Management has no respect whatsoever for XXXX or XXXX laws. They pay out millions in fines and voluntarily enter into XXXX and State Consent Orders and copntinue to do exactly what they said they would cease and desist doing. I am hoping the XXXX of XXXX for the CFPB will read my letter with attached exhibits and put an end to this madness orf picking consumers pockets. I also filed a complaint with the Commissioner of Finance in Maryland advising him Midland was violating the Maryland Consent Order against them and he also has opened an investigation into the matter.
|
| 04/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX I review my credit report and I decided to try to settle some debt with 2 major retailers. With XXXX XXXX XXXX XXXX -XXXX, I had no issues, we discussed a reasonable settlement and monthly Payment plan and call was done. I contacted XXXX XXXX - XXXX XXXX and was informed the collection was now with Midland Credit and was given the contact number of XXXX. A representative got on and said they represented XXXX XXXX XXXX XXXX and transferred me to the supposed Account Manager named XXXX XXXX.
I mentioned I have a very tight budget but wanted to settle the debt for XXXX with XXXX per month for a debt of {$4400.00}. He proceeded to tell me that hed been in collections for 5 years and never settled a debt for that low. I then asked him to check with his manager in which he said he manager was busy. He then proceed to tell me I must if received a judgment letter, which I never did and very surprised since the charge off is less then a year old and I didnt know collectors can threaten with a lawsuit. I informed I never received a judgement letter! Neither by mail, certified mail, or served by officer. He continued to ask me to consent to robocalls, which I declined.
I mentioned I never received information from them, but I was informed to contact them through XXXX XXXX, and would like to settle the debt. He later told me the only amount theyll settle with me was XXXX and Id need to pay on that day or judgement would happen at the end of XXXX. I informed I could not settle for that amount and to go back to speak with his manager. The manager got on the phone and was very rude and disrespectful. He mentioned hed never settle for my requested amount, and would not go past XXXX, even if it was XXXX. I then informed If they have a judgment then wed have to just go to court.
I later looked up more info on Midland Credit and came across a law firm ( XXXX ) who has had dealings with midland credit cases. I explained the situation to a representative and she asked to have the number. She then informed the number was not a typical Midland Credit contact number. But she placed me on hold, and came back and said the number is for a company Called XXXX XXXX XXXX XXXX. She suggested I find out who has the debt and that I should ask for a validation of debt. I called the number back after our call and a gentlemen answered the phone XXXX XXXX XXXX XXXX but when I gave him my information he said he was from Midland Credit. I began to questioned him on who is XXXX XXXXXXXX XXXX XXXX, and he said he never said that, then hung up.
The next day, XX/XX/19 I sent certified mail ( XXXX ) requesting validation of debt letter, stating I need proof of debt within 30 days or Id contact the attorney general to file complaint. On XX/XX/XXXX, I received the attached which is not a validation of debt and continues to speak of legal action, as if I was the one threatening of which legal action. The letter I sent clearly states if I did not receive validation of debt, then Id contact the attorney generals office and FTC to file complaint, and file civil and criminal. I still have not received a validation of debt. Which I am resending the attached since Im unaware of who XXXX XXXXXXXX XXXX XXXX is. If Midland is the debt collector, who is XXXX? Do I have 2 collectors trying to collect for 1 debt?
|
| 07/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am an essential worker that works for a XXXX XXXX that is run by XXXX. Throughout, the pandemic I have reported to work every day and have been under a tumorous amount not working remotely, and ensure XXXX my XXXX were able to follow through on their remote working. I have not been able to take a vacation, as my employer does not like me so they are creating ways to make me quite or fire me. I have no choice given my situation and the pandemic so, I XXXX it up. I still have something to be grateful for as I work with wonderful people every day, and that makes up for my direct supervisor. So, as you can imagine when I received an email from my payroll department stating that as a courtesy they were emailing that as of XX/XX/XXXX, there has been a garnishment to my check. I was shocked and when I contacted payroll they provided me a number to call and said very ultimately given them your social security number and hang up the phone on me. I was speechless given what we are facing these days and no help with giving me any information. I contacted the number and that was even worst the person give me no information and why I was being garnished and yell you were served papers. I was never given any information and this is so horrible to know that this was happening and at this time when I am already hanging on by a thread and barely putting food on my table. I have no idea how much I owe or who I owe money to. I was then contacted again by my employer 's Human Resource department again and they stated to me that my garnishment is extra work for the payroll department and the agency applied for a grant. My garnishment is going to affect the agency 's finances.
I was in total shock that I was being spoken to this way and that the agency I work for was treating me this way. I was then told that they will be letting me go. I am in need of help. How can given the state of emergency can Americans, especially essential workers who worked through this pandemic be informed in the middle of the uncertainty we all live in have a garnishment go into effect starting XX/XX/XXXX, given what is going on and be fired for this is just inhumane. I had to gather information from the XXXX County Civil Court to find out a judge 's decision that was made on XX/XX/XXXX that I was not mailed. I letter found out after reviewing my account on Midland Fundings LLC website that states I made payment to a debit that I still have not had verity on XX/XX/XXXX right before my court date in XX/XX/XXXX that I did not make but helps Midland Funding LLC keep this case open and false documentation of another payment dated XX/XX/XXXX, which makes no sense considering they have started a garnishment that went into effect XX/XX/XXXX. There is clearly false information that has resulted in the garnishment of a debit that is false. This has resulted in me losing my job. I am in need of help to find out who is garnishing my check and how can this be occurring during COVID19. How can my employer fire me for this? I guess this is how frontline workers are repaid for working through this crisis. If anyone can help me please contact me if you can help stop the recent garnishment that informed is from Midland Funding LLC after I did my research as I was not notified at any time by Midland Funding LLC.
Thank you, XXXX XXXX XXXX
|
| 05/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
I am being sued in XXXX separate lawsuits from the same law firm, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . This law firm lists it 's address as XXXX XXXX XXXX , XXXX XXXX , XXXX , GA XXXX . XXXX of the XXXX were signed by the same attorney, XXXX XXXX XXXX , bar # XXXX . The fourth was signed by a XXXX XXXX , bar # XXXX . All XXXX of these accounts are lawsuits on the behalf of Midland Funding . When I received the first lawsuit from the firm for XXXX XXXX ( Midland Funding ) o n XX/XX/XXXX . It was signed by XXXX XXXX XXXX and I was shocked. This account had been disputed directly with XXXX XXXX , and directly with Midland Credit Management becau se I had requested Arbitration in this matter. I contacted XXXX XXXX XXXX repeatedly, with no return calls. I had responded to the initial letter from XXXX XXXX XXXX regarding XXXX XXXX , that stated I had XXXX days to respond to dispute the validity, which I did. This letter also stated, verbatim, " This Law firm is licensed to practice law in GA, FL, NC, SC, and TN. Although we are a law firm, at this time no attorney has personally evaluated or reviewed the particular circumstances of your account. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I never expected to be sued w/o some sort of notification. When I called to speak with a " specialist '' on XXXX XXXX after being sued, and no return calls from XXXX XXXX XXXX , I was told point blank to make a payment to settle, that was the ONLY option, despite my arbitration request. When I explained that after some research, this firm was sued for falsely and deceptively filing lawsuits to intimidate consumers, I was told, " well, take your chances in court then ''. I went ahead and filed an answer with some assistance with legal aid that arbitration was requested to the original creditor BEFORE it was " sold ''. I explained this in my answer. The firm file a stay in this case, but has refused to drop the lawsuit. This entire process took months. Then without notice, a second lawsuit was filed on XX/XX/XXXX for XXXX XXXX ( Midland Fundin g ) by XXXX XXXX XXXX ; a third lawsuit was filed on XXXX for XXXX ( Midland Funding ) by XXXX XXXX , and finally, XX/XX/XXXX for XXXX XXXX ( Midland Funding ) by XXXX XXXX XXXX . This firm has so blatantly " churned '' out lawsuits against me that the Magistrate Court in XXXX XXXX has taken notice, and is waiting to schedule all of the lawsuits on XXXX day. Neither XXXX of these lawyers have returned XXXX single phone call to me. On the XXXX XXXX account alone, the lawsuit was filed XXXX days after the 1st debt collection letter I received from the firm. And even though I disputed the amount timely, as I stated, the lawsuit was filed anyway, XXXX days later. Same with the others. I feel that these multiple lawsuits were filed to intimidate me and overwhelm me, without due process or heeding to the FDCPA. Something is not right, as neither of the attorneys listed has EVER shown up in court. Even though XXXX XXXX XXXX has " signed '' XXXX of the XXXX lawsuits. Nor have they returned XXXX phone call.
|
| 05/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This issue has been filed previously, but I am refiling as a new complaint with new information on how the Debt Collector ( assett management, dba midland funding ) currently, and then has been doing business.
I have/had a Collection account on my personal credit report that showed up in 2011. This account was inserted and appeared to be somewhat accurate - as I did have an account with what they added to the account number as - XXXX.
It is asserted that the XXXX file specifications, and then the XXXX guidelines - neither allow for defaults, not publish data in consumer reports when this is supplied by the Debt Collector.
Instead, all data is published as provided by the Debt Collector, or rejected when the limited data validations occurs.
Assett Acceptance - was/is continuing to report this data in an inaccurate way, and was alerted as to what it was doing on my own report.
As a sender of protected data, and then that which must adhere to XXXX and the CRG guidelines, and then under the mandates of FCRA - I assert that they reported, and then continue to report this information inaccurately, and then - when presented with the problem has not corrected its data issues and how this information is presented on consumer Credit Files.
A sample of how all Collection accounts must exist on a credit report is attached, and as it resides from XXXX 's site directly.
FCRA 623, says you have been told - and you must fix.
The CRG - Credit Report Guideline, specify the data that must be used to report collection data on consumer reports.
1. For the XXXX file details sent by AA/Midland, Segments XXXX and XXXX - which are communicated and then required to be used by Collection companies, and then control how the data is recieved, stored, viewed and used in credit scoring - AA/MF FAILS follow these standards.
2. AA/MF fails to self identify itself as a Debt Collector on its file submissions to all CRA 's. Because of this failure, they become allowed to send MORE data than otherwise allowed.
3. These Debt Collector accounts are showing up on consumer reports as Credit Grantor, including my own 4. These Debt Collection accounts - are showing up with Pay Histories, when this is NEVER allowed.
5. These accounts are using an actovity designator - that is never allowed to be used.
6. These accounts are using date fields - that are never allowed to be used by a debt collector.
7. These accounts are NEVER clodes, instead the activity designator/current status is left as blank or NA 8.You AA is reporting as Installment accounts, when you are not a credit grantor, and can not 9. AA/MF - you use the comment fields to store data intended for the XXXX and XXXX segments, and can not /should not A/MMidland funding, you are being alerted once again that that data you furnish is inacurrate.
As per FCRA - 623, you are required to fix it.
In any typical XXXX for any data exchange to an external system, you - the data furnishes has a fiduciary responsibility to ensure the data you send is accurate.
Its not.
I have a rather robust sampling of consumer reports from folk whose data is displaying the same way, and I am hopeful you - will fix your data issues.
This issue has been communicated, and the issues exist without resolution.
Please resolve your data reporting practices.
|
| 07/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XX/XX/XXXX, I went into XXXX XXXX furniture store, browsing for a bed set, an eager saleswoman ( XXXX ), showed me around. She dishonestly convinced me to apply for a loan. After I was approved for {$4000.00}, she proceeded to writing a purchase receipt. I told her that her explanation to me was that checking for a loan approval did not mean that I have to purchase. She confidently told me that she has my signature, and whether I took the furniture or not, I would be charged. I told her the furnitures seemed broken and very low quality, and I really did not want it. I asked to speak to her manager, and she told me she was the manager. There was no other workers in the store, so I could not get any help. I retrieved the papers she had written on with a bank name ( XXXX XXXX ) and the account number. I went outside and called the bank, spoke to XXXX XXXX, and explained the scam. XXXX told me, she would take it off and report it to fraud department the following day due to that at the time the fraud department was closed, late afternoon.
XX/XX/XXXX, I called XXXX XXXX to make sure that it was reported to Fraud Department, the service person told me Fraud Department was probably handling it because there was no record of my call the previous day, so I explained again. This person told me again, it would be reported.
XX/XX/XXXX, I received a letter from Midland Credit Management dated XX/XX/XXXX, telling me that my account of {$1900.00} was sold to them on XX/XX/XXXX. I called Midland Credit Management immediately and told them that they were sold a fraud account. I did not purchased any product other than signed for a loan qualification. Midland told me they would launch an investigation.
XX/XX/XXXX, I received a letter from Midland Credit Management stating that they have initiated delete the tradeline of reference to my account from the three major credit reporting agencies.
XX/XX/XXXX, I called Midland Credit Management, spoke to XXXX XXXX, he told me, considered taken care of, meaning that it was dismissed and I would no longer have problems. Pandemic came, and I moved to live in the mountain.
XX/XX/XXXX, I received from my employer a writ of execution, a judgment to garnish my wages from Midland Credit Management in the amount of {$2300.00}. I seriously thought that it was another scam, so I took it to Superior Court to check its validity. It is legitimate, and I have missed my opportunity to defend myself in court due to that I have moved and court appearance papers must have come to my old address.
Criminals continue to commit crimes because they feel that they CAN, and that they can get away with it. In this case, I feel that there are three criminals working together : saleswoman ( XXXX ), XXXX at the XXXX XXXX, and Midland Credit Management. Each time I called, I felt as if the person on the line just gave me answers to please me, telling me that it is in the process of being solved or is solved, but really they continue to scam me further.
I believed that there are a lot more people out there being scammed by these systematic, professional scammers, and I am just a number. I am so upset that they have been getting away with it. I am just an honest, God loving, hardworking woman, and I dont even know where to begin to fight such scammers. I need help.
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am a consumer and natural person. Before I knew who I was as a consumer/natural person, I was taken advantage of in the form of threat to sue and out of fear because of not understanding Federal laws given by Congress for consumer protection. I have been paying a third party company ( Midland Funding LLC/Midland Credit Management ) {$50.00} a month thinking it was XXXX XXXX. I am very upset of the deception that was brought against me. XXXX XXXX sold my information without my consent to this Business ( Midland Funding LLC ). That falls under Aggregated Identity theft which violates 18 USC 1028A which Midland Funding LLC/Midland Credit Management owes consumer/natural person {$1000.00}. I have never done business with Midland Funding LLC before this. Midland Funding/ Midland Credit Management is not supposed to interfere in personal business matters they never started. I want every single dollar this company collected from me due to fraudulent collecting of personal information from consumer plus {$1000.00} fine per violation pursuant Federal laws, Title 15 Chapter 41 in application.
Midland Funding/Midland credit management threaten to sue me but ignores 15 USC 1692 ( e ), that section is titled false or misleading representations. I can not be sued if an attorney is involved per federal law. Even the constitution has 2 more laws that help with that. Any attorney is not an attorney as they say they are or portray to be. The FDCPA tells us no one is exempt from these laws and is supreme to any other laws that do not serve your greater protection as a consumer. Federal law trumps all laws. FDCPA says attorneys are fraud. You violated this law = {$1000.00} to Consumer/Natural Person 15 USC 1692 K states monetary damage for every law violated Midland Funding LLC/Midland Credit Management owes me {$1000.00} dollars.
No company other than The company I was doing business with originally can communicate with me. You need my direct consent to communicate with me and I never gave Midland funding LLC/Midland Credit Management direct consent to communicate with me to harass me about a debt that has no business with them pursuant to 15 USC 1692c ( a ). This violation puts Midland Funding LLC/Midland Credit Management in fraudulent activity. I had a relationship with the corporation not a third party/middle man company. You violated this law = {$1000.00} to Consumer/Natural Person I want to know what law states that I am obligated to pay debt from Midland Funding LLC . 15 USC 1692a ( 3 ) states I am not obligated to pay any debt because I am a consumer and thats a natural person under federal law. All obligations are for the United States not the natural person 18 USC 8. You violated this law due to the fact that you forced obligation for a debt = {$1000.00} to Consumer/Natural Person Midland Funding LLC threaten to sue me. 15 USC 1692 I B states no lawyer or anyone can sue me without my authorization. I never gave them permission to sue me. You violated this law = {$1000.00} to Consumer/Natural Person Midland Funding LLC/Midland Credit Management owes me {$5000.00} plus the total amount collected from me since the deception per federal laws Title 15 Chapter 41 which protects the consumer and natural person.
I am the original creditor I am the consumer I am a natural person,
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2021 a complaint was submitted on XXXX 's behalf to cfpb about address XXXX XXXX XXXX XXXX XXXX MN XXXX, complaint number XXXX, a copy will be attached. After who ever at XXXX. XXXX XXXX XXXX XXXX MN XXXX, stated in their response " We consider consumer complaints a serious matter, fully respects consumers rights, and apologize for the inconvenience caused to you '' Which is a total lie, and disregard of the Fair Debt Practices Collections Act. XXXX XXXX has rebutted the presumption of being a consumer of XXXX. XXXX XXXX XXXX XXXX MN XXXX and does not consent or volunteer into any contracts offers with this corporation. XXXX XXXX XXXX XXXX XXXX MN XXXX is trying to force XXXX XXXX to be a consumer which is unlawful and involuntary servitude, XXXX. XXXX XXXX XXXX XXXX MN XXXX has still been harassing XXXX by sending more envelopes with no person taking liability from XXXX. XXXX XXXX XXXX XXXX MN XXXX, claims which are fraud. XXXX has been refusing to accept any mail from XXXX. XXXX XXXX XXXX XXXX MN XXXX, due to the fact that XXXX has demanded XXXX XXXX XXXX XXXX XXXX MN XXXX to provide a verification under penalty of perjury of their claims and XXXX XXXX XXXX XXXX XXXX MN XXXX has not done so. XXXX 's refusal to accept XXXX. XXXX XXXX XXXX XXXX MN XXXX artifices have been documented with witnesses for future legal proceedings, hearsay, assumptions made about XXXX from XXXX. XXXX XXXX XXXX XXXX MN XXXX are not valid, which are a constitutional tort.
15 U.S.C 1692 g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt, XXXX. XXXX XXXX XXXX XXXX MN XXXX had failed to provide evidence on XX/XX/2021 of any claim it has against XXXX under penalty of perjury, which by law XXXX XXXX XXXX XXXX XXXX MN XXXX is in default.
Verification - Confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Obligation - that which a person is bound to or forbear, any duty imposed by law, promise, contract, ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX MN XXXX has failed to provide proof of a Obligation, instrument signed by XXXX, and XXXX. XXXX XXXX XXXX XXXX MN XXXX has failed to provide any evidence of its claims under penalty of perjury which 15 U.S.C 1692 g ( 4 ) states it must do thus it is harassing XXXX by using unfair practices.
|
| 06/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Midland Credit Management INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Midland Credit Management INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Midland Credit Management INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with XXXX and XXXX. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Midland Credit Management INCXXXX Providing that Midland Credit Management INC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 07/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Consumer has received another offer from Midland Credit Management on an additional account. The company states that they're a 3rd party purchaser collecting on a previous debt. I ask for MCM to produce promissory note, original signed contract, bill of sale with price or purchase order, evidence of lien, evidence of my signed authority for your company to solicit me using my private personal information that I never provided to MCM. This is a false and misleading practice of deception. This is identity theft. You are violating the FDCPA and CalCivCode 1565-1590 contract law. If MCM have a valid contractual agreement signed by consumers agent that require the consumer to pay on a promissory obligation, then MCM must provide that contract to consumer as proof. MCM chooses to violate Rosenthal Fair Debt Collection Practices Act. Not to mention MCM still has no valid license in the state of CA.
Because the consumer has no legal obligation to MCM, EXCEPT TO RESPOND TO THIS NOTICE then MCM must cease and desists all communications including consumer reporting communication. 15 U.S. Code 1692c states a debt collector may not communicate with consumer without prior consumer directly consenting to debt collector. You previously stated that consumer permission is not required to report to consumer report. As the consumer previously stated to MCM, under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer furnishing of information and consumer report can not have personal transaction history. You also state consumer permission is not required because you sent a validation letter. Consumer points out according to 12 CFR 1016 you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. It further states that the consumer has the right to opt out at any time. MCM failed to provide either of this information within the validation letter to consumer. MCM MUST NOT REPORT TO CONSUMER REPORT. 12 CFR 1022.24 reasonable opt-out opportunity must be provided.
As stated before you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to obtain in anyway my private information including alleged debt and use it against me.
As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.
The consumer will take it a step further in seeking remedy per 15 USC 1692k. The consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. Failure to comply will lead to identity theft complaints with the FTC and Comptroller. By continuing the use of my personal stolen information, I may also file complaint with XXXX of California. I may also seek audit via IRS. I take my consumer rights very serious. Please unless concerning remedy to me MCM must cease and desist all other communications including consumer reporting. Consumer may use all information against you as proof of claim for potential lawsuit.
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 04/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In receipt of a letter dated XX/XX/XXXX that was forwarded to me where it was sent to a family member 's address, and I received the forwarded letter on XX/XX/XXXX. Sent a letter to Midland Credit Management ( " MCM '' ) dated XX/XX/XXXX via USPS Certified Mail Return Receipt Article No. XXXX signed by MCM on XX/XX/XXXX outlining the dispute and the cease and desist telecommunications to family members via robo-dialing and only communication accepted is in writing. On a letter dated XX/XX/XXXX, sent to my out of state family address, MCM responded with a form letter styled response, and included a single page credit card statement that had the wrong address information, the account number on the statement did not match the account number that they stated they owned or collecting on, did not investigate prior letter disputes of ownership of account. A letter dated XX/XX/XXXX, via USPS Certified Return Receipt Article No. XXXX, was sent to MCM and signed by MCM on XX/XX/XXXX. The letter restated the first letter of dispute, the declared requests for validation, ownership, evidentiary documentation, and any other information ; included in this letter, I provided them my home address and residency to send mail directly to me and not my family addresses. To date, MCM continues to robo-dial family member numbers. As of XXXX XXXX, XXXX, MCM failed to provide any information and ignores my requests. Yet, on XX/XX/XXXX, MCM began reporting the trade line to the major credit reporting agencies of XXXX, XXXX, and XXXX that were identifiable. MCM has willfully and knowingly violated the Fair Credit Reporting Act 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, as they verified inaccurate information, failed to note the accounts on each credit reporting agency as " Consumer disputes, meets FCRA '' or similar notation. Federal statutory damages allow for {$1000.00} for each violation committed by the furnisher. In addition, MCM violated FDCPA for continued to collect on a debt that is has been unable to provide any details on, robo-dialed family members out of state, and re-aged the account by inaccurate reporting. MCM in their documented letters stated that this alleged account was charged off XX/XX/XXXX, yet MCM reported this account XX/XX/XXXX as a charge-off date of XX/XX/XXXX and new status date of XX/XX/XXXX. MCM reports differently to each credit reporting agency on the date of last activity and/or charge off date. FCRA provides for {$1000.00} per violation in statutory damages for FCRA violations excluding court awarded punitive damages when proven through evidentiary documentation and testimonies. In addition, MCM is a part of the Consent Order of the CFPB, and I will provide the CFPB all phone records, supporting documentation, and sworn affidavits of MCM unethical behavior and violation of the consent order issued by the CFPB against this business group. Complaints are in process of being filed with the Attorney General of XXXX ( state of residency for years ), Attorney General of XXXX ( MCM state of business ), Better Business Bureau, XXXX XXXX XXXX XXXX. A follow-up letter has been provided to MCM dated XX/XX/XXXX, delivered on XX/XX/XXXX via USPS Certified Mail Return Receipt Article No. XXXX.
|
| 05/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX bought my overdue debt from XXXX XXXX XXXX for the amount of {$1400.00} in XX/XX/XXXX ( unknown specific date ) .On XX/XX/XXXX I got a call from a representative from XXXX XXXX XXXX with two options : 1. arrange monthly payments and pay the full amount due or 2. make a lump sum/settlement payment of {$850.00}. On XX/XX/XXXX I opted to make the lump sum/settlement payment and provided all of the necessary information to the company representative over the phone. The representative informed me that I would receive a notification/letter in the mail letting me know that the account was paid. On XX/XX/XXXX, the transaction was posted on my bank account with XXXX XXXX XXXX for the amount of {$850.00} to XXXX XXXX XXXX. I monitor my credit with XXXX and XXXX and by XX/XX/XXXX, the debt was noted as paid on both of my monitored credit reports.
At the end of XX/XX/XXXX, I realized that it had been approximately eight weeks since I made the lump sum/settlement payment and I had not received a physical notification/letter from XXXX XXXX XXXX. In XX/XX/XXXX, through my own credit monitoring, I observed that XXXX XXXX XXXX and re-submitted the remaining debt amount of {$560.00} to both XXXX and XXXX. I contacted XXXX XXXX XXXX via telephone and requested a physical copy of my notification/letter that I had made a settlement/lump sum payment in XX/XX/XXXX and voiced my concerns related to the mistake on my credit report. The representative from XXXX XXXX XXXX informed me that my case was being forwarded to Consumer Support Services and to call back in 7-10 business days. I waited approximately two weeks and contacted XXXX XXXX XXXX Consumer Support Services and they requested a copy of my bank statement as proof of payment I made in XX/XX/XXXX. I faxed them a full copy of my bank statement and they requested 7-10 business days to process the information.
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that all of the original debt of {$1400.00} remained due. On XX/XX/XXXX I contacted XXXX XXXX XXXX Consumer Support Services via telephone and was informed that after providing my bank statement, it was determined that the funds were never received at XXXX XXXX XXXX and they requested the full debt amount of {$1400.00} be paid. I terminated the phone call with XXXX XXXX XXXX at this time because I was confused about what was going on. Directly afterward, I immediately contacted XXXX XXXX XXXX concerned about fraud and the disparity in the information provided and the bank informed that the transaction did go through to XXXX XXXX XXXX and there was not insufficient funds in my account or any reversed transactions in XX/XX/XXXX. XXXX XXXX XXXX provided me a letter of verification for the transaction. After receiving the letter, I contacted Consumer Support Services at XXXX XXXX XXXX again and was informed that they could no longer speak with me over the phone due to a notification on my account that I was working with an attorney. I at no point had stated I was working with an attorney nor had I at any point in the past. XXXX XXXX XXXX refused to accept the letter from XXXX XXXX XXXX regarding proof of the transaction or refused to speak with me further until I faxed them a letter stating that I was not working with an attorney.
|
| 07/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
account is listed as opened on XX/XX/2021 and balance shown is {$620.00}. the account type is showing as debt buyer.
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer.
Section 609 refers to a section of the Fair Credit Reporting Act ( FCRA ) that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports.
606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 607. ( a ) ( b ) ( c ) Compliance procedures [ 15 U.S.C. 1681e ] 611 - 15 U.S.C. 1681i Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 222.42 ) and Interagency Guidelines ( 12 CFR 222, Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.
Direct disputes ( 12 CFR 222.43 ) General rule. A furnisher must conduct a reasonable investigation of a direct dispute ( unless exceptions, described later, apply ) if the dispute relates to : 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identify theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I sent Midland Credit Management a written request to validate my alleged debt having account no. XXXX XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, which was received by Midland Management offices by Certified Mail # XXXX on XX/XX/XXXX, XXXX requesting the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay XXXX BANK XXXX and or an agreement showing I agree to pay a creditor and or their agent.
3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3 and establishing your legal standing to collect anything from me.
4. Any insurance claims been made by any creditor regarding this account.
5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me.
6. Name and address of alleged original creditor.
7. Name on file of alleged debtor.
8. Alleged account number.
9. Address on file for alleged debtor.
10. Amount of alleged debt and what it is for.
11. Date this alleged debt became payable.
12. If the account is charged off, the date of original charge off or delinquency.
13. Verification that this debt was assigned or sold to collector.
14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful.
15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS.
16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above.
17. Agreement between your agency and I of any contractual or debtor/creditor arrangement.
18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe.
19. Copies of any and ALL account level documents that show I agreed to pay what you say I owe to include original WET INK signatures.
I received a correspondence from midland management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate.
I sent a second request, Notice of Non-Compliance Demand for Validation and Proof of Claim which was received by Midland Credit Management office by Certified Mail # XXXX Delivered on XX/XX/XXXX, XXXX Requesting the following : The debt validation responses dated XX/XX/2022 is incomplete and not debt verification & validation at all. Please satisfactorily respond to my request for debt verification & validation dated XX/XX/2022.
I received a correspondence from Midland Credit management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate.
I received a correspondence from Midland Credit management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate.
I received a correspondence from Midland Credit management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I noticed some incorrect information on my XXXX account regarding two debtors. I contacted them both via USPS mail. On XX/XX/XXXX, I received correspondences from one of the debt collectors in which I have provided a copy of a true and accurate document sent to myself by the debt collector ( XXXX ). I am arguing the amount and account opened under my name. I do not own this debt. I have also attached a copy of the letter I sent to both debt collectors in response to the discovery of the incorrect information on my file. The debt collectors have posted negative reporting 's on my credit report and have had attorney firms contacting me since then. report I was contacted by debt collector ( s ). I then filed dispute with XXXX. They have not investigated, but did update information. I have sent a letter to the debt collector in regards to asking for validation for debt. I have not received information requested. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-verified. Accordingly, to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete or can not be verified. As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU.I am lawfully within my consumer rights to ask for any and all of the above and below demands under the terms of the fair credit billing act of 1975 FCBA As the OFFICIAL notice of my official writ composed DECLARATION of not proving compliant misinformation that is either or all of the following. You must ANNUL BY REMOVING of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul miss reporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : Notation : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true and correct, complete, timely if known ownership and responsibility but also fully XXXX XXXX complainant. Provider Claims, Late Payment yet NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts otherwise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY or otherwise, irrefutable compliant, obligatory and regulatory requisite compliant reporting, thereby mandating your immediate actions to rectify and remedy, and any all in fraction-ious behavior ( s ) by retaining, or returning to DEMONSTRATED, TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatting reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE unless you can document this NOT to be CORRECT, and determine factually, and in entirely that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
|
| 06/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was made aware that there was a credit card dispute place with Midland Credit Management on XX/XX/21, I have been trying to dispute this account with the agency since. I requested written proof ( validation ) of the debt, which to date has yet to be presented to me. In accordance, I do not owe said debt unless proof can be furnished to me. A simple invoice or past due notice is not proof. I have received nothing but a letter stating the investigation to the dispute has been finished, with no proof provided to me. I contacted the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I have requested validation this debt 4 times since the first contact received by this company on XX/XX/2021 and still have not received the requested information.
Collections agencies are required to send me proof of validation within 5 days of our first contact. It is been almost 6 months and all I have received are letters stating that the record shows the debt is valid and still no validation.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this claim is disputed in its entirety and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that ( a ) the account is valid, ( b ) the amount allegedly owed is accurate, and ( c ) I have a contractual obligation to pay Midland Credit Management for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Midland Credit Management for this alleged debt : Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract Midland Credit Management purchased the alleged debt.
If the alleged debt was purchased, provide a copy of an agreement between Midland Credit Management and myself, signed by me, stating that I have a contractual responsibility to MIdland Credit Management for the alleged debt Provide proof that Midland Credit Management is bonded/Licensed for debt collecting in the State of New Jersey Failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Midland Credit Management is asserting regarding this alleged debt. If Midland Credit Management can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Midland Credit Management. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency.
Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine to be paid to me.
I do not and have never had a XXXX credit card. This debt is not valid, I do not owe anything.
|
| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am disputing charges from XXXX from XX/XX/XXXX which has recently resulted in a negative report to my credit record. I am requesting that the entry made to my credit records by collection agency 'Midland Credit Mgmt Inc ' as a result of initial fees from XXXX, be removed immediately.
XX/XX/XXXX I switched to XXXX after having been with XXXX XXXX XXXX for over fifteen years. With no exaggeration and with the sales rep at their store being witness, the XXXX XXXX dropped XXXX of XXXX calls. I have confirmed with a XXXX rep who recently reviewed the notes on my account that the XXXX notes for my account reflect the following : XXXXXX/XX/XXXX After multiple trips to the XXXX store and multiple changes/updates/attempts to fix the issues, the equipment was returned to their XXXX Ohio store.
( My note : I tried to return the equipment to the XXXX store in the 'Shops at XXXX XXXX ' which is only XXXX miles from my home a few days earlier but the manager ( I believe her name is XXXX ) refused to accept them and insisted that returns need to be made at the store they were purchased from. She and I had words, and I returned them to the XXXX store XXXX miles away. ) XX/XX/2012 {$800.00} credit, store confirmed equipment returned.
XX/XX/XXXX {$440.00} credit for 'ETF ' but the note also states that there was a {$160.00} unpaid usage charge ( My note : When I returned the phones, I reviewed how I had made multiple trips to the XXXX store to allow XXXX to attempt to fix the problem. In addition, I expressed great concern that my clients were not happy with me due to the constant dropping of calls and my need for reliable mobile service. The further exasperate the problem, it infuriated me that I was forced to drive back to XXXX one last time to return them when I had a store XXXX miles from my home. I was told that ALL charges would be adjusted, including usage since the equipment and service was so terrible.
XX/XX/XXXX notes that 'adjustments will be made to account because store rep confirmed return and cancel. ( My note : this should have specifically referred to the usage 'adjustment '. ) XX/XX/XXXX notes that there is a new bill for XX/XX/XXXX and XX/XX/XXXX available on XXXX.
( My note : If I am NO LONGER A CUSTOMER how and I supposed to access mytmobile.com to know that there was a bill?? Until XX/XX/XXXX I was under the understanding that what I was TOLD by XXXX was true, that all charges had been adjusted off.!!! ) ( My note : XX/XX/XXXX I received a call from Midland collection co regarding this outstanding balance of {$180.00} to my surprise! Because I have been watching and protecting my credit rating, I agreed, ONLY IF NO POSTING TO MY CREDIT REPORT WAS MADE, to pay part of the balance. ) Summary : -The charges were supposedly adjusted off by XXXX per what I was told by XXXX-If the charges were not charged off, I should have been contacted prior to a collection agency calling me in XX/XX/XXXX and it being reported to my credit report.
- If Midland reviews the recorded call this XX/XX/XXXX, the recording will make it evident that I only paid partial just to make the issue go away and NOT show on my report!! I request that any related postings to my credit report to any credit reporting agency, be removed completely and immediately.
|
| 04/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB, My name is XXXX XXXX XXXX XXXX ; my SSN is XXXX.
Im writing in to complain about XXXX
XXXX is reporting a collection account that is not mine. I deny the existence and validity of the below item and consequent thereto I demand they be verified by with established law or removed immediately.
Please note that the Credit Reporting Agencies are now subject to Federal Consumer Financial Laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on '' Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
As you know, the Fair Credit Reporting Act required you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the item 's I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies and/or copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above.
Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file for the account in dispute then. you must once remove the account from my Experian credit reports. I demand the account be verified or removed immediately!
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Purported Creditor : XXXX Accounts in Dispute : Midland Credit Management XXXX Encore Capital Group Account # XXXX Account type : Collections Account Status : Unverified When you finish your investigation I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. I expect your office to comply with the prescribed method of procedure as mandated by 15 USC section 1681 or FCRA section 611 et seq.
Sincerely, XXXX XXXX XXXX XXXX
|
| 08/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On Friday XX/XX/2019 I submitted a complaint about the collection agency known as Midland Funding a.k.a Midland Credit Management a.k.a MCM. I poured my heart into my writing. Trying to give every minute detail to ensure my case could be resolved satisfactorily once and for all. I attached 3 pictures that I felt helped prove my case and all I have tried to do in my own limited power as an American consumer to resolve this. I even proofread it. But thanks to the sometimes savior spellcheck, AFTER I submitted my complaint I caught a few typos! And I thought it best to explain one of my digital uploads. Plus 3 days later I went to my mailbox and found YET ANOTHER LETTER FROM MCM, CLAIMING I STILL OWE {$2800.00}.
In the same batch of mail, I have an updated credit report from XXXX XXXX listing the incorrect info was REMOVED from their report. But over at XXXX MCM is still reporting this account is OPEN and that NO PAYMENT has been made. Im still getting all kinds of mysterious calls. From area codes all over the U.S. Just like before when MCM would harass me, virtually NONSTOP.
The picture I uploaded in my previous dispute with MCM of a fax transmission page, was just me supplying more proof. At one point the debt collectors @ MCM asked if I could prove I had enough money in my account or that my ACH payment to them had actually cleared my bank. Because they supposedly had no record of the payment on their end. And had no idea where my money went?!?! So I sent our agreements, plus a copy of my bank statement with the balance showing I had enough money on the day in question. Plus I circled and highlighted the payment that came out.
Even after all I have done to right this wrong, MCM STILL wont give me any peace. First they bullied and harassed me. Called me incessantly. Flooded my mailbox with junk mail. Then they pretended to care and acted like they wanted to help me. Get a fair deal. So I trusted them. Paid them. We should be done with this fiasco! But they never honored their end of the deal. They tried reverting back to the orig amount. Claiming because I disputed the inaccurate facts they continued to report that our settlement arrangement was somehow voided?! Now they are STILL sending me collection notices ... more than 3 months AFTER I SETTLED MY DEBT WITH THEM. And tonight just as I was scanning their latest garbage letter, I just noticed at the bottom of the note this exact line : DUE TO THE AGE OF THIS DEBT, WE WILL NOT REPORT PAYMENT OR NON PAYMENT OF IT TO A CREDIT BUREAU?!?! Is that even legal?! I sincerely hope not. MCM is a terribly mismanaged and corrupt collection agency. They attack people like vultures. Once they have their nasty claws in you, they chew you right down to your marrow! There is no honesty, compassion, or truth that MCM wont distort to make a few bucks. Please dont let them get away with these ridiculously dishonest business practices. Maybe my 2 cases dont mean much in the bigger scheme of things. But just remember I am one person that MCM tried to completely derail. So how many other people are out their hurting. Trying to get by, pay bills ... but are getting absolutely bombarded by MCM. I truly feel like they just wing it. Regardless of what the law states. They have to be stopped.
|
| 10/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I am writing you regarding the ADMINISTRATIVE PROCEEDING File No. XXXXConsent order as I am a Restitution Eligible Consumer. I am asking for a full refund of {$1200.00} and that all references to this account be deleted from all of my credit reports. I would be very grateful if this could be resolved. Please see that Midland Credit Management is in compliance with the order.
I made payments directly to Midland Credit on a time-barred debt collection account that was too old for litigation. I received several letters that contained time-limited settlement offers that failed to disclose that the debt Midland Credit was collecting was too old for litigation. The letters contained statements creating a sense urgency. Some of the letters were from XXXX XXXX LAW FIRM and statements were made that threatened legal action.
From XX/XX/XXXX through XX/XX/XXXX, I received letters and phone calls implicating the alleged debt was selected for future legal action based on reviews by attorneys. I was bullied into to making payments after receiving calls from Midlands Litigation Department and made several payments. The Debt had not yet been placed with an attorney ; and I was not informed during the call that the Debt had not been reviewed by an attorney. I was told that if I did n't make payments Midland would move forward with the litigation process unless and that the only way to stop the lawsuit would be to pay right away.
From XX/XX/XXXX through XX/XX/XXXX, I repeatedly disputed the validity of the account that Midland Credit was trying to collect on. I sent validation and verification dispute letters to Midland Credit and I also disputed information on my credit reports, including XXXX, XXXX and XXXX and in each response Midland Credit replied that information that was accurate, complete and reliable. From XX/XX/XXXX through XX/XX/XXXX, I repeatedly advised Midland Credit that significant inaccuracies existed on my credit reports and the collection documents Midland Credit sent me and the phone calls I received. In each instance, Midland Credit responded to Credit reporting agencies that information reported was " verified ''.
When I disputed the accuracy, Midland required me to produce a notarized affidavit swearing that the Consumer is a victim of identity theft, a police report, or a letter from the credit issuer determining that there was a fraud on the account. As soon as I disputed the validity they sent it to a law firm and I had to restart the dispute process all over again. I was also told that my disputes were untimely.
From XX/XX/XXXX through XX/XX/XXXX, Midland Credit Management repeatedly called my cell phone. When I answered the calls and tried to communicate and resolve and dispute the alleged debt, Midland Credit told me that calls placed to my cell phone could only be prevented before XXXX and that I should authorize Midland Credit Management to call in the future.
Since XX/XX/XXXX I have filed several complaints with the FTC, I have not received any responses. I am so happy that your agency stepped in and took action.
Finally, and most importantly I am asking that full refund of {$1200.00} be issued and that Midland Credit follow the terms of the order.
Respectfully, XXXX XXXX ( XXXX ) XXXX
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Per the Fair Credit Reporting Act 15 USC 1681, 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' MIDLAND CREDIT MANAGEMENT , XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' MIDLAND CREDIT MANAGEMENT , XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX are financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from MIDLAND CREDIT MANAGEMENT , XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' MIDLAND CREDIT MANAGEMENT , XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately.
|
| 10/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Yesterday I called Midland Credit Management to talk about my accounts with them and try to find some type of resolution. I spoke with my account manager name XXXX XXXX. And I stated to him why I have not been able to pay because I have been ill for the past 4 years and diagnose with XXXX ( which I am experiencing related XXXX where I deal with XXXX XXXX and also XXXX, XXXX and other symptoms, XXXX XXXX XXXX XXXX XXXX ( which keeps me tired all the time ). I have been diagnosed with XXXX XXXX ( where I deal with severe XXXX, XXXX, XXXX, XXXX until the point I can't wear any pant unless they are elastic, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that can last from 1 day to weeks where I am XXXX and not to mention that XXXX XXXX can lead to XXXX XXXX. I do not have a life cant exercise because of XXXX and XXXX and right now I can not work because any XXXX can trigger flare ups. I have XXXX XXXX XXXX ( Where I deal with XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX and XXXX also which is delibating. When asked him about their consumer Bills of Consumer rights on Financial hardship he first stated that he didnt know anything about it. So, I stated that it is on their website under Article 2. He then asked me if I have proof of all my illnesses and I stated yes. He then gave me a fax number, After that I asked him if I fax over my medical history and diagnoses will my information be protected because it is against the law to have my medical history just lying around. When I stated this everything went left with him because of this and then started finding ways of not helping me. So, I got upset and raised my voice and that is when he stated to me. YOU DONT SOUND SICK. I got very upset then. He is not a doctor. Tell me how do a person with all of my illnesses suppose to sound. A person with XXXX XXXX is not suppose to get upset because it triggers a flare up. How does a person with XXXX is suppose to sound? This is XXXX problem that keeps your XXXX with XXXX XXXX XXXX, with XXXX. How does a person with XXXX XXXX XXXX is suppose to sound there some okay days without XXXX XXXX, XXXX, XXXX? Just because I am ill does not mean I can not get upset. He is not a doctor. Everything I stated can be proven and also just use XXXX. It states on their website Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships -We actively seek to identify active duty service members and stop collections from those servicemembers.
-We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues.
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster.
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. They did not also state how long the hardships last. I just would like to know what to do about this.
|
| 05/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
I had been receiving a call from a collector for a XXXX XXXX 's account that is passed due for {$1200.00}. I never received anything so I told them to mail me something because I thought it was a fishing scam. I had my son come over to pull my report and we found that a account had been opened for XXXX XXXX. I reached out to XXXX XXXX to whom we explained the situation and they said they would get us forms out and then investigate the account we filled out the forms and sent them back to them. They contact me last week and said they found the account fraudulent and were going to buy the account back and clear my name.
The account was in collections with Midland Credit Management. This is who my complaint is with. I spoke with XXXX XXXX and I thought it was the bank until he said he wasn't with the bank. I told him that the account was in fraudulent and I was not receiving the letter from them because they were sending the notifications for collections to the address of the person who opened that account. I told XXXX that I spoke with XXXX XXXX and he told me it didn't matter because they own the account and because it was my name and social I would have to pay. I did a three way call with my son and we spoke with XXXX who acted at first like he received all the info I sent to XXXX and said we would need to pay. My son told him does he have records of the info we sent to XXXX and he then backed down. My son told him he was going to file a complaint with the FTC And he immediately sent us to a Manager named XXXX XXXX. I dont believe this is a manager there because we have called back and asked a few times for this name and they always say she is not available. In this conversation with XXXX she told me we could dispute it with them but that most of there disputes are denied because they have the name and social of the person on the account. Even though the address is somewhere i never lived. She told us that she would handle it and for us to call the bank again and if needed do a three way call. So we called XXXX XXXX and they said that the account was bought back as of XX/XX/XXXX and letter was send to me as of XX/XX/XXXX showing it was fraudulent. I called Midland Credit Management again with my son and they said they would not call XXXX to check to status of the account and they they never heard of a bank buying back the account. The rep we spoke to today said that he has only seen that once. I asked him to call the bank and he said he wouldn't. He said he didn't understand how XXXX could do the investigation if Midland had the account. I told them we would be putting a complain through their website and writing one here. When I went to the Midland website I did the complaint and hit submit to get the message that there site is down and to call them to make payment arrangements. You can get to the site and all the pages but when you try to launch a complain it is down. What a scam. I am now writing this letter with the help of my son as i am XXXX years old. If it were not for my son I would of been taken advantage of by Midland. They tried to strong arm me into payments and never listened to my story. How many other seniors are being treated like this and paying not knowing what my son knew to protect me?
|
| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have disputed the existence of the inaccurate account on my credit file listed by Midland XXXX Midland Credit Man Management IncXXXX My previous complaint was closed with no positive recourse ( XXXX ). Midland asked for an Affiliate of Fraud. I am attaching Affiliate of Fraud.
The below-listed debt is NOT my debt. The unverified item listed below remain on my credit report in violation of Federal Law. You are required under the Fair Credit Reporting Act ( FCRA ) to have a copy of the original creditor 's documentation on file to verify that this information is my debt and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts and what signed documentation was used to verify said debt?
You stated in your reply to my Consumer Financial Protection Bureau complaint ( XXXX ) that " I said that I NEVER had an account with Midland Credit. '' This is correct, in addition, I have NEVER had an account with the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. Your company Midland XXXX/ Midland Credit Management Inc. is attempting to collect under fraudulent pretenses. I stated clearly in all of my communications with your office that I am the victim of IDENTITY THEFT and I have no financial responsibility for the debt your company is attempting to collect!
You further state that I may not understand the term CHARGE OFF and the responsibility of the individual who owes even after the debt has been sold to a collections company such as yours. What I have a clear understanding of is that I NEVER had a debt with XXXX XXXX XXXX XXXX XXXX nor Midland XXXX nor Midland Credit Management Inc.You state that there is an underlying promissory obligation that remains valid, due and owing. I challenge your collection agency to produce any promissory note or agreement that you have with my valid signature affixed to it! Your company is breaking the law and violating my rights under the Fair Credit Reporting Act. You state that you have sent me verification on XX/XX/XXXX, and XX/XX/XXXX. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In your mailings, you sent everything but proof of debt. I have written your company numerous times asking for VALIDATION as well as VERIFICATION. Your company has not produced any documentation VALIDATING nor VERIFYING that I owe XXXX XXXXXXXX XXXX XXXX XXXX, Midland Funding or Midland Credit Management Inc any debt.You asked that I produce an affidavit of fraud stating that I am a victim of Identity theft and that the identity theft was reported. This correspondence serves as your Affidavit Of Fraud. Remove derogatory listing from all credit bureaus immediately!
|
| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Midland Credit Management , Inc. based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX company makes it very difficult for consumers to call and settle debt accounts. The employees at Midland Credit Management are very rude and talk over customers. Company lacks compassion when dealing with customers during this difficult time of COVID19. Midland Credit Management wastes consumers time by having inordinate hold times. I made an arrangement to settle my debt with a payment plan on XX/XX/XXXX and the account manager XXXX XXXX made it sound very easy to call and make a payment going forward. I called today XX/XX/XXXX with plans to pay off the account and it took approx 45 minutes for me to reach XXXX XXXX in order to have a payment processed. I tried to have the supervisor XXXX XXXX process my payment and he said that he was unable to and that I needed to speak with XXXX XXXX. The company transfers consumers all around their office forcing consumers to have to give their name, account number and other personal information to repeatedly verify the account. Every time you are transferred to a new person, the new person asks for you to verify your information all over again including account number, name, and other PII and they again say this is an attempt to collect a debt. When I was speaking with XXXX XXXX today and he mentioned he could not take my payment then the call was disconnected. I called back and spoke with XXXX XXXX XXXX from the office in XXXX and he talked over me and then told me that this call is going nowhere as I had asked him to please transfer me to XXXX XXXX as the call was disconnected and I had already verified my name and information with at least two reps on previous call including the supervisor and the call went nowhere. After I advised that I would be filing complaints with FCC and consumer financial protection bureau, XXXX then said he would help me. He then said he would transfer me to XXXX XXXX as XXXX had texted him. He then said please hold and I will transfer you. I inquired as to how long I would be required to hold as I only wanted to make a payment. I then asked XXXX I thought you said you would help me. He then said that he had to transfer me to XXXX. Finally after being on the phone for over 40 minutes I was connected to XXXX and I made the payment to pay off and close the account. This company harasses people by even making it difficult for people to call in and make a simple payment. I have access to view the account online but customers are made to call in to be verified countless times, transferred countless times, talked over by rude workers all because we are trying to make a payment to settle the account. This is not right!! Midland Credit Management purchases debt for pennies on the dollar, outsources to XXXX so they can reduce operating costs, and then makes it practically impossible for a customer ( for lack of a better word XXXX to call in and make a payment. They hold debt over consumer 's heads and harass them by making it exhausting to make a simple payment! This company engages in abusive and harassing business practices. You can monitor any block of calls from any given day to see what I am talking about as I am sure everyone goes through this.
|
| 06/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom it may concern, MIDLAND FUNDING LLC. NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. ACCOUNT : MIDLAND FUNDING LLC {$1200.00}
|
| 12/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX responded to my former complaint closed prematurely by a lengthy response from the company that hardly contained any information. This company keeps alleging that I owe this debt to them. The feedback link was broken & so here 's my proper response to this abusive company : This junk debt buying agency assumes ignorance of a consumer by stating that I am " confused '' about the terms within my own credit report and of legal jargon generally.
The very long response I received that had no real information contained within it did not properly validate my concern. In detail, here is what I asked to be provided : 1. Agreement between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that gives your company authorization to collect this alleged debt.
XXXX XXXX did not provide anything more than a Bill of Sale for the alleged debt -- there is no agreement between MCM and XXXX Bank that allows them to collect on behalf of this company.
2. An agreement, containing my signature ( whether by hand or digitally ) stating that I have agreed to assume this debt.
This means that I require a CONTRACT signed at the time of the alleged opening of the account, that indicates agreement that I own this debt. This debt-buying collection agency provided a bill that has no signature of mine contained anywhere on the document.
3. Valid copies of the debt agreement stating the total amount of alleged debt.
XXXX provided is considered invalid until XXXX XXXX XXXX proves correctly that I owe this alleged debt and that they have the authorization to further collect this alleged debt.
4. Proof that the Statute of Limitations has not expired and alleged debt has not been re-aged, a violation of the Fair Credit Reporting Act ( FCRA ). This includes the Statute of Limitations for the state of Georgia, under Georgia Code OCGA-9-3-25.
XXXX XXXX XXXX disregards that any credit card agreement falls under what is federally defined as an " open account. '' Thus, the stately statute of limitations on any open account is 4 years from the date of delinquency. The date stated in their document is incorrect.
5. Complete payment history on the account noted.
This was not validated / contained in their attachment.
6. Proof that you are licensed and legally permitted to collect debts in the state of Georgia. If so, also requested are ; 7. License number XXXX XXXX XXXX and Registered Agent ( s ) involved.
XXXX XXXX did not provide this information and told me in more than a few words to locate this information on my own. That is not my job -- this company needs to validate on their own whether they able able and licensed to harass alleged debtors in the state of Georgia.
Furthermore, this company claims that a validation letter was received by me in XXXX -- I find this to be inaccurate information. Under FCDPA, I am well within my rights to requests validation at ANY time that I discover discrepancies in my credit report / when any debt buying agencies threatens a lawsuit against me.
To end, Midland provided no satisfactory answer and still insinuates that legal action is probable though they have not even proven a case in a means as simple as a portal for consumer complaints for financial companies like theirs.
|
| 04/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I would like to seek your help and file a complaint to the company named Midland Credit Management for failing to acknowledge the payment arrangement made by their authorized Debt Collector company which is Atlantic Credit and Finance Incorporated, located in XXXX, VA. On XX/XX/XXXX, there was a confirmed payment arrangement between me and the said Debt collector company. That time my balance appeared as {$7300.00} and payment arrangement schedule will start as XX/XX/XXXX and will End on XX/XX/XXXX with a monthly payment of {$170.00}. I attached a copy of this payment arrangement. Let it be known, that before the payment arrangement was confirmed, I have made an initial payment of {$180.00}. The letter of confirmation given to me after the payment arrangement was made is stating that once I have completely fulfilled the agreed payment arrangement, I will be released of the obligation completely and that the Debt Collector company acknowledge the discounted balance of {$3500.00} and following that 30 days after the completion of my payment arrangement I should be receiving a pay off letter. I'm never late and never failed to pay every month due to my monthly payment was set-up via automatic debit on my bank account. Let it be known that I have successfully completed the payment arrangement and that I did not receive a Pay off letter from Atlantic Credit and Finance even after 30 days of my payment completion. But instead on the XX/XX/XXXX I received a statement ( see attached ) from Midland Credit and Finance that I have a current Balance of {$3700.00} and that I have a new account # XXXX and that I should ignore the account # XXXX from Atlantic Credit and Finance. It appears that Midland Credit Management failed to investigate thoroughly to gather all the details of my account. In addition to this, I have filed a complaint to Atlantic Credit and Finance back in XX/XX/XXXX since Atlantic Credit and Finance failed to me a correct reflection of my total balance with current discounted balance every time they send me a monthly receipt of my payments. Atlantic Credit and Finance mark my complaint as ID # XXXX. A copy of the complaint and their response is attached. It was stated on their response that my payment arrangement is set to be completed by XX/XX/XXXX.
But again, upon logging in in Midland Credit Management website, it appears the company created another account # XXXX so that they can still go after me and collect the money that was already been settled based on the the account # XXXX. I have attached the statement of Midland Credit Management have created to make it like a new account # and make it appear that I still owe {$3700.00}.
This is wrong and deceiving. Account # XXXX must be eliminated and must not be created. I also attached the latest statement from acct # XXXX stating that I do not have no further obligation in this debt. But what is the purpose of creating another account number that shows i still owe {$3700.00}.? What is the meaning of it. I need a closure of this account.
Another Point is, there is a letter of closure ( attached ) that states that the XXXX Account has been sold to Midland Credit Management, there is supposed to be only 1 valid account to be created.
|
| 12/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Midland Credit Management, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To whom it may concern!
Hi my name is XXXX XXXX, and the reason I am writing this complaint is because I really need this government agency to help me figure out what is going on with my credit score. I have been paying my all my debts for more than a year now. But each time I check the three credit bureaus I notice that for some unknown reason " XXXX '' is the only one with inaccurate information. I recently filed a dispute online on the XXXX website. When I check the results of the dispute today I found out that the dispute results were done since XX/XX/2021 today is XX/XX/2021 and my credit score has not been updated. One of the dispute seems that they did not investigate correctly. The amount from the listed in one of the account is not accurate. Even before I file the dispute with XXXX the amount was down to XXXX dollars. This is an account from Midland Funding I just paid the last balance of {$30.00} dollars ( the account has been paid in full, Conf # XXXX ) but XXXX and XXXX are still showing the wrong amount on their website. This mistake is really hurting my credit score, specially now that I am making plan to buy my first home. There is another account with the amount of XXXX dollars from XXXX XXXXXXXX XXXX, that I made a dispute to remove the account from my credit report because the creditor never advised me of such account before taking me to collection. XXXX has already removed the account from my credit report but as always XXXX still have the account listed on my credit report. Another account I need to complaint about is about a car loan that I had through XXXX XXXX, that account has been satisfied I was able to see it on the dispute results from XXXX but the agency has not made any update on my credit score yet when they finished the dispute on XX/XX/2021. XXXX has already update the information about the XXXX account like more than a week ago. Even though XXXX makes some mistake sometimes I can say that the agency works better than XXXX No wonder my credit score in XXXX is XXXX but in XXXX is XXXX forever. I am begging this Goverment agency to investigate XXXX I believe that they are not doing their job and the investigation they perform is a fake. Specially now that they are working from their home, they are not doing what they suppose to be doing. It is not onl me who are suffering the consequences of the misinformation, I have been talking to a lot of people that are experiencing the same issue. It is not fair when someone like me works so hard and because some people decide not to do their job well I have to go through all this madness just to get my information corrected. This is causing me a lot of stress, mentally and emotional. I remember before that only by calling XXXX and asking the representative to update the records was sufficient as long as the customer had a confirmation number or a payment receipt that would be sufficient but Saturday when I called XXXX the second representative I spoke to, I asked him if he could please update the record with the confirmation number I had and he in a very mean way told me that he could not do that. That I would have to file another dispute or wait for the creditor to send the information to XXXX within 30 days.
|
| 10/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT has committed Securities FRAUD against XXXX XXXX. I have never invested in MIDLAND CREDIT MANAGEMENT or consent to pay this company. MIDLAND CREDIT MANAGEMENT has take out securities out in my name with out my knowledge or consent. MIDLAND CREDIT MANAGEMENT has committed 18 U.S.C. 1348 securities fraud is the unlawful practice of using manipulative or deceptive tactics to purchase or sell a security. Fraud is a commonly prosecuted federal crime in the United States and securities fraud charges.
ALL ACCOUNTS ARE PREPAID Senate document NO.43, 73rd Congress The ownership of all property is in the State, Individuals, so-called ownership is only by virtue of the government, i.e., law, announcing to mere user and use must be in accordance with the law, and sub-ordinate to the necessities of the state.
Congressional Record, XX/XX/, on HR1491, pg. 83 Under the new law, the money is issued to the banks in return for government obligations, bill-of exchange, drafts, notes trade acceptance, and bankers acceptance. The money will be worth XXXX cents on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of the people of the nation.
Title 18 8 Obligation or other securities of the United States defined : The term Obligations or other security of the United States includes all bonds, certificate of indebtedness, national bank currency , Federal Reserve notes, coupons United State notes, Treasury notes, gold certificate, silver certificate, fractional notes, certificate of deposit, bills, checks, or draft for money drawn by or upon authorized officers of the United States, stamps and other representatives of value of whatever deamination, issued under any Act of Congress, and canceled United States stamps.
FRNs are obligations of United States HJR 192 : The term obligation means Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt.
Title 31 3123 Payment of obligation and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principles and interest on the obligation of the Government issued under this chapter.
( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt, As the Secretary considers expedient, the Secretary may Pay in advance interest of the public debt by a period of not more the one year, with or without a rebate of interest on the coupons.
Therefore, the government pledges to pay government obligations which Federal Reserve notes are and pay them in FRNs which is legal tender. Taxes and all bills associate with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt dollar for dollar. It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report.
SEE : FTC Report Number XXXX
|
| 12/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX sold their XXXX accounts to XXXX. When I saw the notification in XX/XX/XXXX, I called XXXX and told them not to automatically renew the membership on that card as I did not want a new credit card or company as I was living overseas and did not need the XXXX membership anymore. ( I was home stateside on holiday when I saw the mail notification and called immediately ). I told the customer service rep that I did not call the number to activate the card and was cutting it up as we were speaking and the gentleman told me it was taken care of. The account would be closed. When I returned to the States in XX/XX/XXXX, I see in my junk mail pile envelops from XXXX. I opened one assuming it was the standard " come back to us '' bulk mailings and saw it was an outstanding bill for the {$60.00} XXXX renewal in XX/XX/XXXX plus interest and late fees amounting to a total of {$280.00}. I immediately called XXXX customer service who told me they could not help and I had to call XXXX. I called XXXX and they said I had to write the dispute department ( US mail or Fax only ) and they they would NOT have anyone reach out to me as it was my issue to resolve. The gentleman ( XXXX ) at the call center ( XXXX XXXX in XXXX ) was very rude because, even though I gave him ALL my personal information, I could not verify the account number because I no longer had the card ( I destroyed it back in XXXX ).
Two weeks later, I received a notice that my XXXX account was sold to a collection agency ( XXXX XXXX XXXX ). I called XXXX back about the pending dispute and they would not discuss it with me or confirm they had any record of my previous calls. I called XXXX 's XXXX branch MCM and, once explaining my situation to the woman, she said she understood and would mark the case as a disputed claim and that I would get a follow up from them within 2-4 weeks with instructions as to how and where to submit the dispute information. Instead, I got another notice in XX/XX/XXXX asking " how can we help '' you with a payment schedule. Another phone call, another explanation and another registering a dispute. XX/XX/XXXX, I get a letter from MCM with a copy of the XXXX letter saying they sold the account but nothing from XXXX referring to any dispute discussions I had with them. This is the first piece of mail or communication where I am actually privy to the account number that was assigned to me over a year ago. Finally my credit rating has been changed to " in dispute '' but there should be no issues with my normally outstanding credit rating if not for this account.
Issues : - I never authorized the use of this account anywhere in writing or with signature.
-the credit card was never activated - XXXX ignored my request to NOT renew my XXXX account - XXXX renewed my membership without my approval on a credit card that was not activated - XXXX was no help in resolving the situation and " sold '' my account to a collection agency within 1-2 weeks of receiving my call for a dispute resolution - XXXX refuses to talk to me about an account that no longer exists with them - XXXX refused my request for a transcript or even acknowledgement that our phone calls transpired even though " this call may be monitored ... ''
|
| 03/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Midland Funding which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has continued to harass me over 2 debts on my consumer reports XXXX, XXXX and XXXX that i have no knowledge about and is making false implications about threatening for legal action if i do not pay them. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. Midland Funding has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.. The law clearly Defines that " communication '' is the conveying information regarding an alleged debt through " any '' Medium 15 usc 1692a ( 2 ). Notice it clearly says " any '' medium.
Meaning you harass me with mail, phone calls, emails, and searching for location information from family members you are communicating with me without my consent. This is a violation of the FDCPA of {$1000.00} each time you break this law.
So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report They are communicating and I am demanding They cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report According to 15 USC 1692e. A debt collector may not use any false or misleading representation. This includes the false Implication that any communication is from an attorney. Also, failure to pay any debt will result in garnishment. These are more violations of {$1000.00} you are committing.
This company is illegally using my social security number and other personal identifiers without my consent which is a violation of federal law and a form of identity theft. Your company is committing felonies purusant to 18 usc 1028 aggravated identity theft I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
|
| 10/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
REF : Case No. XXXXMidland Funding lawsuitI believe that the garnishment on my wages for a money Judgment by Midland Funding a junk debt buyer has no legal jurisdiction for their claim. Prior to a judgment granted to Midland Funding from the judicial system in the State of XXXX, Midland never supplied documented proof of evidence supporting their right to file a lawsuit as requested. My requested information to them was : ( 1 ) Signed Copy of the agreement between me and the original creditor in XXXX. ( 2 ) Last recorded payment date or Default date record from the original creditor. ( 3 ) Chain of Title of ownership verifying and proving that I owe Midland Funding the third party debt buyer as opposed to the original creditor giving Midland Funding the right to sue and collect on this debt outside the state of XXXX to determine whether or not the statute of limitations had expired. Filed in the XXXX Justice Courts, State of XXXX, XXXX County Consolidated Justice Courts XXXX XXXX XXXX, XXXX XXXX, by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. This debt was initiated prior to my getting married and thereby acquiring a new married last name rather than as recorded.
The Statute of limitation in XXXX for perusing a debtor for a defaulted credit card account is ( 4 ) years. Since this debt was executed by a written contract in the State of XXXX, XXXX credit card law establishes the legal default time period and date for a statue of limitation rights of the lawsuit initiated in XXXX whereby having jurisdiction over such matters, not XXXX 's statute of limitations. The State of XXXX law as it relates to perusing a debtor for a defaulted credit card account in XXXX is ( 6 ) years. This contractual obligation was not executed in the state of XXXX and therefore Midland Funding did not legally have a valid or enforceable lawsuit as granted.
If there is a conflict between another state 's jurisdiction and this state relating to the statute of limitations for a debt action clarification is described in XXXX Revised Statutes ( A.R.S. ) 12-548 subsection A is found here. Whether intentional or unintentional the last payout default date which Midland Funding never supplied as request to my knowledge was more than 4 years when their first lawsuit was filed and was actually an unenforceable and/or a fraudulent claim filed by Midland Funding through /in the State of XXXX legal system illegally avoiding and/or negating the originating contractual state of XXXX Statue of limitation laws that should have been used setting precedence of this existing lawsuit, judgment and claim.
Additionally NOTE : This Lawsuit judgment granted initially for the original principal of {$880.00} from its origin has escalated to now due and owing of {$2900.00}. This amount as claimed for garnishment is also from XX/XX/XXXX to XX/XX/XXXX. My estimated interest on the total judgment of $ XXXX@4.25 % per annum from the last filing should be in the vicinity of {$130.00}. What adjustments and/or how was the additional outstanding judgment balance now due and owing of {$2900.00} calculated and derived at in the current Writ as submitted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX?
|
| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/XXXX, I pulled my credit report and found that XXXX had reported a late payment regarding an account ending in xxxx. This was an account that I did not recognize, hence I submitted a dispute with XXXX. As a result, XXXX listed the account as a charge-off. In XX/XX/XXXX, while working with my mortgage bank, this situation came up again. On XX/XX/XXXX, my loan office and I called XXXX to request information on the account. They were unable to provide any information on the account number. It was supposedly under my name, but no information would pull up. My loan officer requested a letter from XXXX confirming the account was not on record. They agreed to send it but never did. I therefore disputed the account once again with XXXX to request that it be eliminated from my credit history. They did so.
On XX/XX/XXXX, my loan officer and I again spoke to XXXX to follow up with the dispute I had submitted with them. We asked to speak to a manager and, upon investigating further, she informed us the account had been sold. She advised me to contact XXXX XXXX to request a form for fraud. I do so but the form never arrived. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX ( MCM ) to collect on the XXXX account. This is how I found out that XXXX XXXX sold their XXXX account to XXXX.
I opened a XXXX XXXX XXXX Card in XX/XX/XXXX while living in XXXX. I moved to XXXX inXX/XX/XXXX. On XX/XX/XXXX, I made a final payment on the card. I was told at the XXXX register that they would no longer be accepting the XXXX XXXX card, so I paid the membership directly with them. I thought that would be the last of the XXXX card.
A new XXXX XXXX credit card was opened under XXXX without my knowledge or approval. I never received the card or activated the card. I never received digital information or billing on this card. NEVER. Doesnt a credit card have to be activated by the member to insure the correct person receives the card? This unauthorized account then charged dues and accrued late fees for a XXXX membership. XXXX proceed to file a late payment on my credit report in XX/XX/XXXX thus putting a severe drop on my score ( from XXXX to XXXX points ). MCM purchased this account on XX/XX/XXXX. As a gesture of goodwill and responsibility, I requested confirmation/proof of debt via XXXX statements and copies of late notices from them. MCM then sent another bill from their company as a form of confirmation. There were no copies of statements or late notices from XXXX. I called MCM and yet again requested confirmation of statements/bills. MCM responded by sending a pre-approval form for a payment discount program. I again called MCM to dispute the account and was told to give it time. They then sent a dispute result and a representation of printed document from XXXX XXXX, Vice President of XXXX XXXX XXXX . stating the balance amounts. This is the same XXXX that never sent me information in XX/XX/XXXX.
MCM has now submitted a negative report on my credit. My FICO score, standing at XXXX, ( exceptional ) inXX/XX/XXXX, has now dropped to XXXX. I request that you investigate this issue and remove any negative information on all the federal credit bureaus on my accounts.
|
| 11/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On or about XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX filed judgement in XXXX XXXX county courts against me for XXXX After threatening me to lien me and sue me and filing more documents such as cover letter, judgements, XXXX, XXXX XXXX, and complaints they served me court papers I preceded to get bankruptacy attorney and fill ch XXXX bankruptcy on XX/XX/XXXX in doing so the XXXX XXXX XXXX c/o XXXX XXXX XXXX agreed to the term and condition per the clerks promulgated requirement described in the forms they filled out, and agreeed to that made it possible for them and be included in the matrix conforms and for their debt to be paid with in the stipulations of my bankruptcys payment agreement.
By doing so about a year and a half after bankruptcy started the XXXX XXXX XXXX was paid in full for the whole judgement they had demanded in court. And balance was settled and paid in full..
in accordance with the laws and stipulation listed in the terms of my chXXXX bankruptcy they were required to release or make right any judgment or lien against me and remove these from my name by filing with XXXX XXXX county courts that the judgement can be waved and removed because they have been paid in full.
Last month I inherited 75 % of a home from my grandfathers XXXX and my aunt 25 %. I was told the amount my the probate court that I needed in order to buy my Aunt out so I found a lender and the loan is good to go but before moving the money out of escrow they had to do a title search to be sure title was clear. Up pops this judgement and the title company was made several atemps to contact XXXX XXXX XXXX so that they can be sent a document statement saying the judgement is no longer and its on my name in error due to the fact it was paid in full thur my chXXXX some yrs ago!
When I call your company you are telling me the case fill is closed in your office and you are trying to reach creditor to see if they want to reopen debt AGINST me but in accordance to my bankruptcy they cant do this because they have been paid in full already!
So I requested you to remove lien title company can see, and send documents proving Im paid current and they are saying only a few ppl there can do this. My problem is we have been trying to get this cleared for a month now and the money must be in escrow by close of day XX/XX/XXXX or my children and I have to get out, vacate home and clean it out for it to be sold and I am currently XXXX XXXX. I have the money for escrow and any moneys to pay any fee associated with filing to remove judgements and lien from my name in regards to the XXXX XXXX XXXX XXXX XXXX ca XXXX homes title but until I get your help to do so on your end we are set to be homeless because with out you clearing it as you are legally obligated I can put money in escrow but they can not take it out to pay other party.
This company has always giving me XXXX and I guess I will contact bankruptcy attorney have him do it and the file a lawsuit against you for not complying with bankruptcy agreement to filed to be forth rite in follow all the rule in this regaurds and for pain and suffering if I end up homeless about to deliver a brand new baby Thanks XXXX
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management is a company that needs to be shut down by the government. A company that has been harassing me for two bills that I have no idea where they came from. I am starting to think that they create debts & put in peoples name. I honestly think that with all those data bridges that I have been a victim of is surely coming back to haunt me. I have written over 10 certified letters to this scammer company asking for a debt validation letter to prove to me that the debt belongs to me & 10 certified letter later nothing besides they computer generated letter. They even have the nerves to ask me to prove the debt is not mine when they are the one harassing me that I owe them. A company I never knew existed prior to there harassment. I have not done business or received any services from this company. Not sure if this company has lawyers but clearly they do not know the law. When you accuse or drum up accusations that someone owes your company the burden of proof is on you. Not me! We live in a world where someone can get your social from the dark market or a million data bridges & apply for things in your name without even leaving there home. I am not a person that would not pay their bills. It has been over a year this company has not sent me any validation that the debt belongs to me. Over a year of requesting it. They keeping writing me saying the vent is verified. HOW? WHEN? WHERE? The refuse to sent me the proof. I requested some many things from this company because I know the debt do not belongs to me thats why I have no problem asking them to prove it. Midland Management thinks that they can bully people into what they want. I am making sure I put this in writing so that it is one record what this company has been doing. Its is down right harassment & I have been leaving a paper trail because They like to call people bluff but I promise when I am doing bringing a court case against this company for all the harassment & stress they have brought to me & my family they will interact more with their lawyers. How can a company constantly harass you about bills that you dont owe. There are in California how did they provide services to me in Florida. This is the credit company they talk about that violates your rights by the constant harassment after being told several times not to. When they dont validate a debt but expects you to pay it. When the company can not validate/ verify the debt belongs to you they can no longer report it on your credit report. Its been over a year of non stop harassment about owing them money. When will Midland credit management stop breaking the law & violating people right under the fair credit act? When is enough enough? I been reporting to my medical doctor for a year this company has been having on my condition & they advise me to take them to court & let the pay you. This company is putting fake accounts & paper works together just for their benefit. Show me paperworks with my wet signature because the people that are committing fraud against you is XXXX steps ahead of you. You can not mail someone papers saying they owe you without any proof. Computer generated papers are not proof.
|
| 09/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I pulled my consumer report from the three credit bureaus, XXXX, XXXX and XXXX. I noticed that an unauthorized alleged debt with the balance of {$10000.00} was placed on my consumer report from MIDLAND CREDIT MANAGEMENT , INC ( in which I disputed with all three bureaus ) on XXXX XXXX as well as a Notice of Judgment Lien upon a property dated on XXXX XXXX XXXX I also noticed that there appears to be an alleged account update on my consumer report dated XXXX XXXX I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$10000.00}. Instead, they sent me an unknown forced judgment lien document that appears to have fraudulent information regarding my personal information. This company has threatened my livelihood for the attempt to seize property without valid debt verification, they have went against the law 15 U.S.C. 1692g-Validation of Debt process of consumer disputing any alleged debt without proper communication or appropriate investigation. This company has unlawfully taken legal action to damage my credit, wage garnishment, inability to obtain housing, has caused me the inability to obtain employment and has caused a great amount of stress whereas I can not sleep at night wondering if I will be able to provide stable living for myself. This company has not contacted me of any type of alleged debt collection. I do not know who this company is and/or why they are threatening my being. On XXXX XXXX XXXX I sent this company a letter to verify this alleged debt IMMEDIATELY, and I have not heard or received any type pf documentation to do as such. As far as I am concerned this alleged debt does not belong to me as I have never signed any type of contract, met in person or talked with anyone from this company or gave any consent of doing business with MIDLAND CREDIT MANAGEMENT , INC. My consumer right as a natural person state that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. Again, this matter has caused me such stress and XXXX I have emotional distress since this alleged debt of {$10000.00} as well as a judgment lien has beem placed on my consumer report shows that I am not protected as a consumer from the credit bureaus or this company. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that MIDLAND CREDIT MANAGEMENT is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
|
| 03/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SEE ATTACHMENT NOTICE TO to XXXX XXXX XXXX & XXXX XXXX This is a WARNING to STOP engaging in Unlawful, FRAUDULENT ACTIVITIES, IDENTITY THEFT, EXTORTING, RACKETEERING, ABUSIVE ACTS, DECEPTIVE AND MISLEADING REPRESENTATION or ILLEGAL ACTIVITIES.
If you continue willingly and knowingly you are in violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information and shall be punished as provided in subsection ( b ) of this section.
The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both.
Please Note this is a serious crime and i will exercise my right in Federal court for violating my consumer rights.
NOTICE : Request for Validity of Alleged Debt and FULL Disclosure of Purchase Agreement NOTICE to XXXX XXXX XXXX & XXXX XXXX, YOU BROKE THE LAW After checking my consumer report i notice " Midland Credit Management '' on my consumer report which appears deceptive and suspicious to me.
I am writing this letter to dispute the validity of an alleged debt that you are attempting to collect from me. I have received multiple notices from " Midland Credit Management '' regarding a debt that you claim I owe. However, I have not received any information regarding the origin or validity of this alleged debt to lawfully verify the validity of your claim.
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with full disclosure of the alleged debt, including the following : Full disclosure of the purchase agreement or forward flow agreement related to the alleged debt.
Tracking of where you obtained the alleged debt from.
The original contract, including wet signatures.
The name and address of the original creditor to verify the accuracy and completeness of the alleged debt.
I demand that all future communication on this matter be done in writing and that all collection activities cease including any phone calls stop immediately.
Please be advised that any person who willingly and knowingly engages in unlawful activities, fraud, identity theft, extortion, abusive acts, any deceptive means in collection of alleged debt, racketeering or coercion and any illegal activities shall incur a penalty and/or criminal liability under the FDCPA.
I look forward to hearing from you within 30 days of the receipt of this letter. Failure to provide the requested information will result in the assumption that the alleged debt is invalid and that you are no longer authorized to collect or report on it.
NOTICE if you fail to comply and provide what is required under law I will charge you XXXX XXXX dollars ( {$1000.00} ) each day for damages and injuries to my character, reputation, mode of living under the FDCPA and any other applicable law. This is my offer to you.
Please note notification shall be complete upon receipt.
Thank you for your attention to this serious matter.
Sincerely, XXXX XXXX Copy sent to : Federal Trade Commission ( FTC ) Attorney General ( AG )
|
| 07/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I submitted a complaint against Midland Credit recently. My complaint is that I 'm still having the same issues for the last two years which is that Midland continues to report inaccurate information on my credit report. Midland Funding said that they had removed the dispute notation from my account. However, when I contacted the Credit Reporting Agencies for an updated credit report. My credit report shows that Midland is still reporting that I 'm disputing the account. I 've contact Midland by phone and have spoke with several of their agents after this situation was supposed to be resolved. Midland agents are very rude. On XXXX XXXX, 2016, the first agent I spoke with said his name was XXXX XXXX, I request that XXXX XXXX remove the dispute from my account after speaking with him, he assured me that my account was updated and was not showing any dispute marks. I requested to speak with a Manager and was transferred to a Manager name XXXX XXXX which she confirmed that the account was not being disputed. I explained to XXXX XXXX that I had requested that the dispute be removed several times before and that is was still showing in dispute. I told her that I was not disputing the account. She said that the account was not showing any dispute. I called back on XXXX XXXX, 2016 to verify that my account was updated. I spoke with a XXXX XXXX. I asked him to give me the information regarding my account. He explained what information that he was reading regarding my account. He stated that the account was being disputed. I said to XXXX XXXX that the account should not be in dispute, I requested that the dispute be removed from my account on XXXX XXXX, 2016 and many times before. I was assured that the account was not in dispute. I have written and called Midland many times. And they continue to report inaccurate information on my credit account to the Credit Reporting Agencies. I called the credit reporting agencies to inform the that I told XXXX that I was not disputing the account. When the credit reporting agencies would call Midland, Midland lie to them, tells them that I 'm disputing the account. Midland agents gives me several runarounds that I need to give them permission to talk to the credit reporting agencies or the name of the person that calls. I gave Midland names of the credit reporting agencies and individuals that could give information to regarding my account. Once one of the companies called that I gave them permission to give information pertaining to my account called. That person was told that Midland is saying the account is being disputed or that they need permission to from myself to talk to them. I have complied with every action that Midland asked that I do to have the dispute removed from my credit report. And all Midland employees have been lying. I spoke with XXXX XXXX XXXX at ext. XXXX and she said that my account was not showing in dispute. Then suggested that I speak with someone in consumer affairs. She supposedly transferred me to consumer affairs. The person that took the call hung up. I need Midland to remove this account from my credit file since they refuse to report accurate information.
|
| 04/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This terrible collection agency Midland Credit MGMT INC and XXXX have collectively scammed me out of {$200.00} dollars and put a blemish on my credit report by creating an early termination fee for a service I never received. Back in XXXX if my memory serves me correctly I had a wireless internet card through XXXX. To make a long story short, this card worked the XXXX week I had it then it stopped working, however, I had already paid the monthly fee payment of {$60.00}. In XXXX of that year I took my computer and wireless card into the XXXX store on XXXX separate occasions within the XXXX month in which had card and the associates there could never could get this problem resolved. Fast forward to the end of the month I got a XXXX bill for a clearly useless wireless service which now wanted payment for the XXXX month of the initial payment plan. I refused to pay and instructed them to cancel my service on the XXXX day of my service but I was convinced by the rep to give them XXXX more chance. I was told that if they could n't fix the wireless card, I would receive credit to my account which would cover the monthly fee of sixty dollars that I had just paid. Like an idiot I kept the service however unbeknownst to me if I had canceled that day, I would avoided having been locked into a contract which, according to the rep, had an early termination clause. As I stated earlier, the XXXX rep made promises to me that they 'd get the wireless card to work with my new laptop and if not my account would be credited ( the rep stated he would notate my account ).
XXXX weeks later, they still could not get the card working so I canceled my service and asked them to refund me my money. The rep on the phone said he had no notes of the credit and stated that I have to pay an early termination fee, I refused and explained this ongoing saga. So, in XXXX they sold the so called debt to Midland Credit MGMT and of course they contacted me and once again I had to explain my position to them yet they refused to see my perspective and just wanted the money. I refused this unjust payment for XXXX years but I finally paid the sum of {$80.00} in XXXX because I wanted to move forward and get my credit completely clear. Since I have paid this collection, I have called Midland service still arguing the invalidity of this collection. These people have no honor or spirit of fairness in my eyes and have therefore cheated me out of a total of {$200.00} dollars and my credit remains blemished. I never told about right to dispute by Midland agency it only after XXXX when started researching consumers that I found that had right dispute within first XXXX days collection agency. But be clear everything I did receive call from that collection agency I tell that I do not owe them money given circumstances of debt after who should have pay service never received? I am again trying with XXXX credit bureaus but not holding my breathe. The too seem to support collection agencies broadly no matter circumstances of which receive collection it money making business and consumers that actually have reason to fight collections in some cases still remain voiceless.
|
| 05/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
About 2-3 years ago, I went shopping for new back to school outfits. I was in dire need of new shoes. I went to a clothing store near me - XXXX. I was told by a representative about a savings deal, that if I signed up for a credit card I would receive a certain percentage discount. I'm a XXXX XXXX, so I of course love any discounted rates available I can get! I gave my information and the entered it in to her computer register. I was approved for the card almost instantly and went on about my day with my new shoes. This letter is not in regards to the quality of the shoes, but in regards to the bad quality of performance.
I came back to the same XXXX a couple of weeks later, as I wanted to pay for my shoes. I was younger not knowing exactly how credit cards worked, as it was my first time having one- but knew I definitely had to pay them back. I thought I could pay in person, but a representative at XXXX told me to call the number on the back of my card, that I should be getting it soon in the mail. I said okay and left. Several things go on in a young working XXXX XXXX mind. Days carried on and I never received a statement, an e-mail, a call, or even the card itself. What triggered my memory about this was a call I received for the first time in regards to the card on Friday XX/XX/2017 while driving on my way home from work. This call was not from XXXX XXXX, but from a collection agency. They explained to me what the debt was for and of course the usual routine is to verify youre talking to the correct person before you carry on with the conversation. They asked if they were speaking to the right person, I verified that it was me and I was asked to also verify what my SSN was. Representative then read to me all my contact info to make sure everything was up to date.
The address she read back to me was incorrect. Instead of XXXX XXXX XXXX XXXX. ; the agency had XXXX XXXX XXXX XXXX. I told them if that's the information they received from you all at XXXXXXXX XXXX, then that should be the reason why I never even received anything. I was willing to go ahead and pay the bill until they told me what the amount was. My shoes were definitely not anything designer. I know for a fact they were not anything over {$50.00}. If my memory serves me right, I'm pretty sure they were around {$45.00} with the discount, thus I am opening a dispute for the amount of $ 200+ I am been charged as a now debt.
Pulling up my credit report, I do see XXXX XXXXXXXX XXXX on there ; and it is affecting horribly. This one simple mistake made by this company has brought my credit score down ridiculously low. Now as a XXXX seeking a XXXX degree, I am getting turned down left and right by lenders and loaning companies because of how badly this negative reflection has affected my credit score. -Everything else is perfect with on time payments on my other currently open credit card accounts. I was told by the collection agency that I had a credit line of {$550.00}! I was sincerely surprised by that because now I can't even get a regular credit card of more than {$200.00} ( With my deposit of {$100.00} even included ).
|
| 07/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been a dedicated employee to the XXXX XXXX field for 27 years. Throughout, this pandemic I have been a frontline worker who workers with XXXX with XXXX XXXX. During this pandemic, you have become apart of the family some days when I came home you were the strength that got through many difficult times. So, I am writing to you for your guidance in a shocking situation that I was faced yesterday.
Currently, as you are aware XXXX announced that Day Programs would be reopening and during my conference call on XX/XX/XXXX, with my co-workers I received an email from my employers ' Payroll Department stating that as a courtesy they were emailing me that there has been a garnishment placed on my paychecks that would go into effect on XX/XX/XXXX. I think you can imagine, how I felt what was going on. I immediately. found myself unable to breathe all I could do is cry at that moment and I am crying just writing this email. Due to shock, I am in that garnishment are being allowed, during this pandemic. It stunned me. I contacted my employers ' payroll department and was told to call the following number XXXX and give them the last four numbers of your social security number. I was shocked at the presentation from my agency 's payroll department given what frontline employers have been doing for the past five months, while certain departments were able to work remotely. That is another story as far as sensitivity that agency workers from other departments have for the agency 's frontline workers. So, I contacted the number that was given to me by my payroll department and I asked the receptionist what was the garnishment of a paycheck for. I have not been provided with any documents or notices. The receptionist yelled at me you were served paper, I responded not, during the pandemic and when I tried to ask questions she yelled at me and hang up the phone. I immediately broke down and cried all I could think about is how will I be able to support my household of XXXX XXXX and my husband lost his job, due to COVID19. I have no answers as my agency 's payroll department approach was just, so unapproachable given the fact this is a pandemic that has affected everyone finically they could have assisted me given what I was being informed. I know they are doing their job, but it could have been done with empathy or guidance. I have no idea who is garnishing paycheck and I really can not afford to have money taken out of paycheck at this time. I have no one to turn to as my agency is not approachable given how I was informed. What makes it worst I then received a call from my employers ' Human Resource Department where they stated that my garnishment has caused extra work for the payroll department and given the cutbacks in the field that has to be made that this is a hardship on the agency. I was stunned at this comment, given what I have been doing for the agency and I have no idea who is garnishing my check. I woke this morning and after contacting the XXXX County Clerk I realized that the garnishment was from Midland funding on an income execution that I was in court on XX/XX/XXXX.
XXXX XXXX
|
| 10/15/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
In XXXX, XXXX I was laid off and went on unemployment for nearly 9 months. My son was XXXX in XXXX XXXX and as the sole provider I was unable to keep up with my financial obligations. I sought assistance with my creditors to keep my accounts in good standing. Many were helpful, some were not. Creditors that were not helpful sent my accounts into collections. Hence, this request for assistance with XXXX XXXX who is the representing attorney for Midland Credit.
Once I found stable employment and got back on my feet I made every attempt to pay back all monies owed as it was debt that I incurred. Since XXXX XXXX, I made several attempts to reach a settlement with XXXX XXXX. I received many phone calls on my cell phone during the day at work which I could not answer. When I was able to speak with someone they stated they were an attorney in the collection department and were rude, insistent on immediate payment demanding of personal information such as finances and place of employment when I stated that I could not make immediate payment. I refused to give the information for 2 reasons, 1 XXXX it 's irrelevant/not their business and 2 ) I was fearful they would attempt to contact my employer. When I went to look up the individual that I spoke to I realized was not in fact an attorney. When I called back to discuss my account I asked him directly if he was an attorney, to which he promptly state, " No, and I never said I was. " I made offers to settle on their website which they stated they did not receive. When I submitted in writing their response was that their client " Midland '' refused the offer which I believe is false based on the fact that Midland Credit offered me a settlement on another debt I owed that was 60 % of the original debt. Which I accepted. They aggressively pursued me by phone instead of in writing as requested, which I felt was an attempt to intimidate a deceive me. They threatened legal action every time. I stated I wanted to avoid that and resolve this. I upped my settlement offers and every time I did they upped theirs. They refused all payment terms I presented. I feel XXXX XXXX is now skirting the line if not crossing it.
On XXXX XXXX, XXXX, 1 year later, I received a letter from the Civil Court that a judge has been assigned my case. I was unaware that a suit had even been filed. I 'm now concerned that XXXX XXXX is attempting to seek a default judgement against me and will in turn garnish my wages and levy my bank accounts which will threaten my financial situation.
I understand that they may or may not have done anything illegal but it is most certainly unethical in every sense. I 'm not attempting to get out of paying any debt I owe. I 've made fair and reasonable attempts to resolve this debt. XXXX XXXX, who represents Midland Credit has refused any and all offers and payment schedules. They are forcing me to pay what is now an even higher amount in full or go to court. I 'm uncertain why they refuse to work with me and I 'm seeking your assistance to resolve this as I feel they are forcing me into court or have already begun summary judgement proceedings.
|
| 02/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midland Funding XXXX XXXX has been filing court actions against me for the last 10 years to garnish wages for a bill they claim to have sued me for in court to collect in XXXX County on XX/XX/XXXX. However, I never received a notice stating I was being sued or have any idea what this bill is even for or I would have shown up to contest it in XXXX.
When I initially received the court order for garnishment, I believe it was in XXXX. I thought it was some kind of mistake and ignored it because I had never worked for the company they were trying to garnish wages from ( I believe it was a grade school in a part of the state I've never lived in and quite far from my address ) and had no idea what it was for.
Then about a year later I received another order for garnishment, naming a company with a similar name to the company I was working for at the time with a different address so again, I ignored it. I lived at the same address from XX/XX/XXXX until XXXX of XXXX, and was working or in school the entire time. My wages were never garnished, and never received further or any other form of communication from them.
I moved to XXXX XXXX, WI in XX/XX/XXXX and have been living at the same address since then. In XXXX of XXXX my mom contacted me to let me know there was some important looking mail addressed to me with her address so I had her mail it to me. To my shock, it was another XXXX County Circuit Court garnishment order from Midland Funding, and this time they had the correct company and company address.
In addition, the initial amount owed in the judgement was approximately {$1800.00}, and they have been charging me " unpaid post judgement interest '' since then totaling {$2100.00}, which is more than the initial judgement itself. Then they tacked on another {$120.00} for what they called " estimated costs of garnishment '' for a grand total of {$4100.00}. They started garnishing my wages on XX/XX/XXXX and over three months received {$2500.00}, then they stopped garnishing my wages after XX/XX/XXXX so I thought it was done and they didn't charge me that much interest.
In XXXX I receive another XXXX County Circuit Court order for garnishment, again mailed to my mother 's address, claiming I still owe them an unpaid balance of {$1000.00}, interest charges totaling {$490.00}, another charge for estimated costs of garnishment of {$120.00} for a grand total of {$1700.00}. Which means they are continuing to charge me interest, and these extra fees, which I believe is against Wisconsin law.
I received yet another court order from XXXX County Court in XXXX of XXXX from Midland Funding, with the unpaid balance now at {$1200.00}, unpaid interest totaling {$500.00}, estimated costs {$120.00} for a grand total of {$1800.00}. How does it go up by {$51.00} between XXXX and XXXX, then go up by {$140.00} between XXXX and XXXX? They are just throwing whatever amount they want on top of what I still owe them, and what happens in 3 months if it's not all paid? The only reason I was able to pay $ 2500+ was due to the amount of overtime I was working at the time which is no longer available.
|
| 07/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
After 2-3 years of receiving phone calls from this particular collection agency, I decided to call them and make payment arrangements. about 2 years prior to my calling, I shared with them that the reason why I could n't pay was because I was out of work, with no income due to a XXXX, but the calls continued every day. So on this particular day around XXXX XXXX, I called them to make payment arrangements because I was tired of the calls. The young lady quoted a high monthly figure over {$100.00}. I stated that I could not afford that. During this conversation, she used harsh tones that I made her aware of. She then stated that she could reduce the amount to {$100.00} monthly. I told her that was still too much. She stated she could n't go any lower. We had a verbal altercation and she boldly told me that the company had a lien on my house. There after the call ended with a payment due on the XXXX of every month. Around the XXXX of the month, I made a {$50.00} payment through my online banking, they received it XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a phone call from the same young lady stating that I did not abide by the verbal agreement of {$100.00}. I told her that I could not afford {$100.00} monthly that is why I sent {$50.00}. She was extremely rude. About 15 minutes after that call, I called back, she answered and I asked to speak with her supervisor. I got a voicemail of a male. I could not hear his name because it was n't clear enough. I left a message. Moments later, I wrote a letter to the company about my experience with their rude employee. I then faxed it and sent a copy by certified mail. On XXXX XXXX, 2015 I called back looking for the supervisor but was unsuccessful. On XXXX XXXX, 2015, I received what I call a threatening letter from the company which had no signature. On XXXX XXXX, I received {$50.00} from a friend to pay to make another payment because I did not want them to put a lien on my checking account like I was told they could do. My bank showed a payment date of XXXX XXXX, 2015, so I called the company XXXX XXXX to confirm the payment. The young man said he did not see a payment posted. I then called my bank and it was stated that they mailed the company the check on XXXX XXXX. I called the company back and told them that they should have received the check. The young lady told me they did not receive it and that they do n't control the mail. I told the young lady I believed someone was playing games and to post my check. Words were exchanged. I told her that I sent a fax. She said " We did n't receive a fax. '' I told her that I also sent a letter. She said in a concerning way, " You sent a letter? '' I said " Yep '' she asked " What was in it? '' I told her if my check was n't found soon, I would be obtaining a lawyer. she said " That 's your prerogative. '' I said " When shall I call back? '' she said " In a few days. '' I said " What is a few days. '' She said " Just a few days. '' I said " What is a few days? '' she said " Wednesday. '' I called back on Wednesday XXXX XXXX and was told they received the check on Monday XXXX, 2015.
|
| 09/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This complaint is for both XXXX XXXX and XXXX XXXX XXXX. They are BOTH reporting the same debt, which to my knowledge is a violation of law to have the same debt reported twice. By the way, XXXX is psycho, and I actually have a FEW complaints regarding them, not just one : debt collection communication practices/tactics, filing a judgment without serving, collecting on an unverified, false account, refusal to provide original documentation. I found out that these XXXX filed a judgment against me and never even served me papers ; in fact, the XXXX sent it to an address that isn't even mine! They dismissed the case when they saw that I started disputing the account with the 3 major bureaus. To even have a DISMISSED judgment in my public record is extremely frustrating and has caused distress, making me wonder if my information had been stolen. I've provided a copy of the online county database record of this judgment. I am prepared to sue THEM -- BOTH for damages. Did they provide the signed original documentation that I requested -- and that's required under the FCRA to provide to consumers? No ; instead, they AND XXXX XXXX XXXX continued to falsely report the truly unverified, invalidated account ( s ) as " verified '', " accurate '', and " valid '' without providing a shred of signed proof! Again, as I've said in my very recent complaints on the 3 bureaus ( XXXX, XXXX, and XXXX ), they are all complicit in this matter. I am absolutely disgusted that these companies continue to get away with just throwing out 'yep, it's verified ' to these bureaus and they're like 'okay, great, thanks! ' without even seeing ( themselves ) or providing to ME a shred of original, signed proof! First off, I've never even signed a contractual agreement with them. They know this -- and that all they can possibly provide are some fake bills that aren't even mine ( if they even have THAT ) -- which is why in SEVEN ( 7 ) MONTHS they haven't given me what they're REQUIRED to under the FCRA. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been truly, PROPERLY verified & validated. I DEMAND that XXXX XXXX and XXXX XXXX XXXX provide a signed original consumer contract / original instrument of indebtedness ( with my actual, wet signature ) in its original form ; if they do not, then I demand that these accounts be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.
|
| 12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
A collection agency is sending a false statement to all XXXX major credit bureaus regarding my account. The false statement, " the consumer disputes this account, '' or variations of this statement has caused me to be declined for credit from a major mortgage lender. I contacted the collection agency by phone on XX/XX/XXXX to discuss the erroneous statement. I was informed by one of their customer services agents that I would need to submit to them, the collection agency, a request to have the statement removed. I reminded them that I never " disputed '' this account with them, therefore, they should remove the statement without requiring me to make such a request. I was informed by the customer service agent that I made a request for validation of the debt in XX/XX/XXXX and they considered that to be a dispute. I asked if the language of my request included " dispute '' language and they said that the very nature of me requesting validation is considered by them a dispute. I asked if I had used dispute words, or wording, on my debt validation letter, and they verified that I had not used the wording ( they were able to read the letter to me ). I then asked them to contact the credit bureaus and update the information on my credit file and eliminate the dispute statement. The agent said they could not do that without a request from me. The agent offered a solution, I could go to their website and send an email to them, the collection agency, stating that I request the dispute statement by removed, and then they could remove the statement. I then proceeded with their requirement. The agent then saw the email, opened it and informed me that they would contact all XXXX credit bureaus immediately and have the dispute statement removed. I contacted XXXX by phone on XX/XX/XXXX to determine if the dispute statement had been removed. The customer service agent from XXXX indicated that the statement was on the account and was placed on the account the proceeding day, XX/XX/XXXX. I asked the agent if the dispute statement was on the account prior to XX/XX/XXXX and the agent said, " no, the dispute language was removed in XXXX of XXXX at your request. '' I believe that the collection agency is knowingly placing the dispute language on my account at each of the credit bureaus as a way to damage my credit rating, specifically as it applies to securing mortgage financing. In summary, I never disputed the account with this collection agency, just asked for validation of the debt in XXXX. They validated the account information in XXXX and placed a statement on the credit bureaus that I was disputing the account. I have made multiple attempts with each credit bureau during the months of XXXX and XXXX to have the statement removed, only to have it added back by the collection agency. I was denied credit due to the dispute statement. I contacted the collection agency on XX/XX/XXXX and went through the required process to have the dispute language removed. It was placed on the XXXX credit bureau the following day and as of today, appears on all XXXX major credit bureau reports. ( XXXX ).
|
| 08/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A request for validation made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA was sent to the credit bureaus XX/XX/XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.
I too take this complaint very serious as this is affecting MY credit and keeping me from purchasing a home and from getting specific jobs that I am qualified for so this is absolutely no inconvenience to anyone but myself. Midland has mailed me the following correspondence to my address in which I have attached. The BBB complaint is also attached in which they never responded to my final resolution to this issue. They STILL have yet to provide adequate proof to validate this alleged debt. Statements ARE NOT validation and the Bill of Sale with information blacked out or not means absolutely nothing and only looks pretty on paper. As previously asked ... they were to send me a contract between myself, the original creditor, and midland that I have signed. I have NOT received this contract because they do not have it and it does NOT exist. Also, midland does n't have a notarized affidavit of verification from the original creditor. If a contract does exist, it would be between myself and the original creditor and NOT myself, the original creditor and midland. So, midland would NOT be a party with any interest to protect and therefore can NOT subrogate onto a contract without my request for them to do so. Midland would be a stranger to any contract and always will be. I am NOT obligated to pay for the alleged debt.
The right of subrogation does not exist for a stranger to the transaction. XXXX XXXXXX/XX/XXXX, Section 90.
Meaning, There is no right to substitute someone or some entity that was not on an original contract. It is not allowed.
I have NOT signed a contract with Midland Credit Management nor do I know who they are. I have NOT nor have I EVER received services from Midland Credit Management. I DO NOT owe a dime nor penny or anything more to Midland Credit Management. Furthermore, Midland states that the date of first default isXX/XX/XXXX. The original creditor XXXX XXXX is incorporated in Delaware and the statute of limitations for Delaware is " 3 years ''. Based on today 's date of XX/XX/XXXX 3 years from the date of first default XX/XX/XXXX has passed and it is now time barred. Case law says the collector ( midland ) are not allowed claim a better position than the original creditor. Midland you are completely and totally breaking the law and that is fact.
|
| 12/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
1. Confirmed that a notice to settle the account was sent to a very old address, and they did not " receive any reply ''. The Summons to Appear in Court for their law suit was served as a knock on my door at my correct address.
2. I called to pay the amount owed which I did not know was owned by the Company suing me and this is because they sent a letter to a very old address, even though in their Records that they submitted to the Court had my current address in the pages of evidence that I was liable for the dept.
3. First Misrepresentation : I was told if paid via Wire Transfer ( lump sum from my bank ) they would give me a Paid-Off Letter and Close the Account in 1 Business Day. I sent the Wire Transfer on XXXX 2020 and called the next day and the account was not closed and they could not give me a Paid-Off Letter even though they could confirm they received the Wire Transfer and was told to wait another 24-48 Hours. I called the Following day and was told to wait another 24-48 hrs ( even after talking to management ). I called bay after day and they still did not produce the Paid Off Letter until a week and two days later and not willingly ; this was after demanding it multiple times and waiting for hours on the phone to speak with management.
4. I was told over the phone they would " request the Legal Case be Dismissed '' within 1 Business Day after the Wire Transfer. A week later after the transfer and even the Day Prior to the Court Date there was still no Dismissal at the Court House and the Case was still active and required my Action to show up for the Court Date.
5. Second Misrepresentation : Their " legal team '' had told me the case would be Dismissed on the Court Date on the XXXX so I wouldn't have to show up or take action. Out of extreme caution and since the company had misguided me through the entire process, I showed up to the Court Date where I had to file an answer by XXXX. I called the Case Court Clerk to see if the company had file to dismiss throughout the day until XXXX and they still had nothing requesting a Dismissal. If I had not showed up and filed my answer that day, I would have been automatically ruled against.
6. Two weeks later the Court is still proceeding on this case and I spoke to the Case Clerk and they confirmed that they still have nothing on file for a Dismissal and nothing from the Plaintiff suing me and that the Case is still ongoing.
The worst case of misrepresentation was being told over an email ( by their legal team ) that I had no need to take action or go to court since the case would be filed to be dismissed. This is very malicious practice and I would have a Public Record of a Court ruling against by Default me if I had listened to their written instructions not to take further action.
7. The company updated Credit Report and still shows I owe {$200.00} ( from {$1000.00} ) even though I settled in full and the Paid Off Letter says I no longer have any obligations or debts with them. they are still reporting a Derogatory Report of {$200.00} which is inaccurate and continues to damage my credit report.
|
| 08/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX I received a letter saying that midland credit was suing me on behalf of XXXX XXXX. I was not aware that if I accepted out of court I would receive a judgement on my name. Once settled I agreed to pay {$50.00} a month until the balance was {$0.00}. I wasnt able to keep up with payments due to midland changing the website that I originally started using to pay. In XX/XX/XXXX they garnished XXXX out of my paycheck and in XX/XX/XXXX they garnished the remaining XXXX. It is now XXXX and the company refuses to take this off my credit report. Every time I dispute with them they keep saying my debt is valid when indeed it is not. The fact that they keep falsely reporting on my credit report is not only hurtful but a violation of my privacy as I never consented for my information to being shared and publicized CFPB complaint In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXXXXXX XXXX Account #. has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions FCRA permits an individual to recover money damages if they can prove they were harmed by false credit reporting. The categories of damages include statutory damages, actual damages and punitive damages. 15 USC 1681n and o.
Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distressIt includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry and nausea. McCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939, 957 ( 9th Cir. XXXX ) ; see also Cushman v. Trans Union Corp., 115 F.3d 220, 225-27 ( 3d Cir. XXXX ) ( actual damages may be emotional in nature ) ; and Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. XXXX ) .Other categories include loss of credit opportunity. Cortez v. Trans Union , LLC, 617 F.3d 688, 719-20 ( 3d Cir. XXXX ). Plaintiffs can recover damages for credit defamation. Dalton v. Capital Assoc., 257 F.3d 409, 418-19 ( 4th Cir. XXXX ). Economic or financial loss is also recoverable. Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. XXXX ).
Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In Bach v. First Union Nat'l Bank, 486 F.3d 150 ( 6th Cir. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, 795 F.Supp.2d 1255 ( N.D. AlaXXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of Sloane v. Equifax Information Services, 510 F.3d 495 ( 4th Cir. XXXX ) the Fourth Circuit approved an award of emotional distress damages of {$150000.00} for credit reporting violations.
|
| 07/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Per the FCRA, as a federally protected consumer, I am exercising my right to opt out of ANY AND ALL AUTHERIZATION, I THE CONSUMER MAY HAVE GIVEN YOU written, unwritten, verbal, or non-verbal per 15 USC 6802.
Failure to comply is a direct violation of federal law. Under 15 USC 6801- Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The law defines nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. Per the FCRA as a federally protected consumer I have opted out of any and all authorization whether it be written, unwritten, verbal, or nonverbal.
Once again, I am exercising my right to opt out when it comes to the communications between my credit furnishers and any credit reporting agency, in accordance to 16 CFR 313, which grants consumers the right to opt-out of certain information-sharing practices. This means that individuals have the choice to restrict the sharing of their financial information with certain third parties.
Further more as stated, I have opted out of any and all authorization per 15 USC 6802 from the reporting of this account.
Your own Privacy Policy states that you do not share Customer Information with non-affiliated third parties.
Additionally, you are attempting to collect a debt that you have no legal right to collect.
To legally collect a debt you need to be in possession of the Promissory Note/ Retail Installment Agreement with my ink signature, and the UCC-1 Financial Statement. This is called a Perfected Lien. There needs to be a UCC-1 filed in my state.
This account was Charged/Off which is a cancellation of debt, also known as a Certificate of Indebtedness, which is now considered income. Income can not be included on a consumer report.
This account is now in dispute and needs to be removed from consumer report, as no collection activity can be conducted while in dispute.
Thank You
|
| 02/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX, XXXX has been trying to collect a couple of debts that was originally from XXXX XXXX. I have been disputing these claims since the very beginning, and there should be record of most of my communications with them. The communication started through XXXX XXXX, and then I continued communication on my own behalf. I also have been disputing the information directly with the credit bureaus, XXXX XXXX
I believe the debt amount they are trying to collect and report on my credit report are inaccurate and in violation of the Fair Credit Reporting Act.
The first account is from XXXX XXXX / XXXX and the amount MidLand started reporting was for {$1300.00}. MidLand started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to MidLand was an account statement on XX/XX/XXXX and the account balance reported to me was {$1300.00}. As of today, XX/XX/XXXX, the amount MidLand is reporting is {$1400.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts.
The second account is from XXXX and was an XXXX XXXX card and the amount MidLand started reporting was for {$880.00}. MidLand started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to MidLand was an account statement on XX/XX/XXXX and the account balance reported to me was {$690.00}. As of today, XX/XX/XXXX, the amount MidLand is reporting is {$990.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts.
The bigger issue here, however, is when I contacted XXXX XXXX, on XX/XX/XXXX at XXXX, directly to try and confirm that the balance being reported by MidLand was accurate, they told me that they do not have access to my files anymore since they sold it to MidLand . This is an IMMEDIATE red flag. I have been challenging a lot of other misreported information on my credit report and all the other companies were able to provide me with requested information. What company would not keep records of their own debts? Even if the debt has been sold to a debt collector?
XXXX told me that I have to contact MidLand directly to get my balance and confirm any amounts. RED FLAG. This sounds like a CONFLICT OF INTEREST to me. How am I supposed to expect to receive fair and accurate information, from a 3rd party company, that I believe is trying to collect an inaccurate amount, that is MORE than the original debt owed to the original creditor? The company that has financial motive and the company that would PROFIT by charging me a lot more than the original debt in which they probably bought for pennies on the dollar from XXXX XXXX!
I do not see how this can be fair and I do not see how this information can be properly verified now. I would love for XXXX, XXXX, and XXXX to investigate the issue at hand with XXXX XXXX, XXXX.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This complaint is against ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INCS and XXXX XXXX XXXX XXXX ( acting as ) President. We are FEDERALLY PROTECTED CONSUMERS. Our credit report ( s ) have erroneous reporting from MIDLAND CREDIT MANAGEMENT INC. We have been advised that CREDIT REPORTING is a form of collection strategy and we demand that ALL credit reporting CEASE IMMEDIATELY as ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC and ( acting as ) President, XXXX XXXX XXXX XXXX are in violation of 1692e ( 8 ). We never received an initial communication from ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC , which means they are in direct violation of 15USC 1692g ( a ) ( b ). We have NO CONTRACT, NOR ACCOUNT with MIDLAND CREDIT MANAGEMENT INC. NOR DO WE WANT TO CONTRACT WITH ENCORE CAPITAL GROUP INC./MIDLAND CREDIT MANAGEMENT INC , MIDLAND CREDIT MANAGEMENT INC nor ANY of the CORPORATE NAMES they HIDE BEHIND. NOR DO WE WANT TO CONTRACT WITH ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC. We are not a customer of ENCORE CAPITAL GROUP INC. We are NOT a customer of MIDLAND CREDIT MANAGEMENT INC . NOR have we ever entered into a contract with ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC .
We NEVER gave PERMISSION / CONSENT to MIDLAND CREDIT MANAGEMENT INC. to use or be in possession of any of our NON-PUBLIC PRIVATE PERSONAL IDENTIFYING INFORMATION. This is a VIOLATION of THE GRAMM- LEECH- BLILEY ACT . TO BE CLEAR We DO NOT accept MIDLAND CREDIT MANAGEMENTS offer to contract. We DID NOT and DO NOT consent to ANY non-affiliated third party ( MIDLAND CREDIT MANAGEMENT INC. ) to be in possession of our NON-PUBLIC Personal Information.
MIDLAND CREDIT MANAGEMENT INC. IS VIOLATING our USC 1692 rights for over a year! Because of the nature of these VIOLATIONS with MIDLAND CREDIT MANAGEMENT INC. against us, were asking for {$11000.00} per violation. This is for MIDLAND CREDIT MANAGEMENT INC. causing distress, many missed nights of sleep, headaches, and US being DENIED CREDIT due to this derogatory FALSE INFORMATION with the Credit Reporting Agencies. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT INC. and I HAVE NO LAWFUL nor LEGAL OBLIGATION to even COMMUNICATE with MIDLAND CREDIT MANAGEMENT INC. AT ALL.
BE IT KNOWN NOW, this is ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INCS NOTICE to CEASE AND DESIST all UNLAWFUL and ILLEGAL ACTIVITY IMMEDIATELY. THIS IS NOT A REQUEST FOR VALIDATION, VERIFICATION or ANY REQUEST at all. THIS IS NOTICE OF A BOGUS DEBT. The matter has NOW BECOME CLEAR that ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC obtained/PAID FOR our NON-PUBLIC PERSONAL INFORMATION WITHOUT our LAWFUL AUTHORIZATION and that constitutes AGGRAVATED IDENTITY THEFT 18 USC 1028A.
MIDLAND CREDIT MANAGEMENT INC. should also know that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company Midland Credit purchased a debt from another company that i had no involvements with the transaction.
According to 15 usc 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection, XXXX, XXXX and XXXX are assumed to be credit bureaus. Fact is that they are not and that the only bureau is the Consumer Financial Protection Bureau. Fact is that i am a federally protected consumer as detailed in 15 usc 1692a ( 3 ) consumer ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
On the date of XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and abrogate the gold clause. The resolution of this declared that " whereas the holding or dealing in gold affects the public interest and are therefore subject to proper regulation and restriction and whereas the exisiting emergency has disclosed the provisions of obligations which purport to give the oblgiee a right to require payment in gold or some kinf if coin or currency.,, are inconsistent with the declared policy of congree. in the payments of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currencent or ina n amoint in money, policy and every obligation herefore ot hereafter inciurred shall be discharded upon payment, dollar for dollar, in any coin or current which at the time of payment is legale tender for public and private debts 15 usc 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
I can assure you that an investigative consumer report was not completed. it clearly states that personal charactertics or mode of living is obtained through personal interviews with neighbors and friends.
15 usc 1692e, False and misleading representations ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
15 usc 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
I received a letter from XXXX XXXX XXXX, XXXX on behalf of Midland Credit stating that they represent Midland Credit Management against me. This is false and misleading practices being done. Also 15 usc 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. The letter states a copy of a lawsuit is being filed with the general district court. One i am a federally protected consumer. The term Federally means attendance in a federal court. Second false and misleading this is clearly deceptive practices.
|
| 12/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
To Whom It May Concern, please note this is my XXXX complaint in 2 months against Midland Credit for the same issue. My first complaint was disregarded as was my request to cease collection activities and further communications regarding debts alleged to be owed by me. Midland did not conduct an investigation of my complaint, but quickly responded and closed my complaint just to check off the box. Then to retaliate for filing a complaint in the first place, they had their law firm send me a robo-signed affidavit threatening a lawsuit on XXXX of the XXXX accounts they claim to be mine. They took some extra time to respond to my XXXX complaint, and acknowledged me and closed XXXX of the XXXX accounts ( the one that they had threatened suit after the first complaint ). Clearly, they recognized the wrongdoing of their actions. They also " recalled '' from their law firms, the other XXXX accounts that they claim are judgments against me and refused to close them. They claimed it was " out of their control '' and a " matter of public record '' and that they ( Midland ) would now collect on those accounts directly. I would like it known that I was never served with legal papers or given the chance to defend my position in court by Midland or Asset Acceptance. These are junk default judgments that Asset/Midland used to illegally confuse, intimidate and coheres me into paying. This seems to be standard operating procedure for this company. They even went as far as to suggest I call the police to report fraud, however I do not trust this debt collector and I refuse to subject myself to further mental anguish at their dirty hand. They took my meager homestead tax refund this year and as a result I was unable to pay my property taxes, which puts me at risk of losing my home and independence. My son and I have done our research on this company and see many lawsuits and sanctions against Midland for this type of unconscionable debt collection practices. I am confident that this is not out of their control, and demand that they close and vacate the XXXX judgments alleged to be against me, and cease all further collection attempts against me. I will continue to file complaints and dispute Midlands responses until all debts alleged against me are closed and removed/deleted/vacated from any association with my name/ss #. I pray that this gets resolved immediately, however if this continues to go unresolved, I ( with my son 's help ), intend to initiate a lawsuit against Midland, and take any other actions necessary to resolve this, including involving the XXXX Federal Trade Commission and the news media. Again, I am XXXX years old and in poor health with no income beyond my small monthly social security check. I have no recollection of these debts and do not have any money to pay them. I 'm a frail old woman and no match for this conglomerate. I would like very much like to put an end to this once and for all and pray that Midland does the right thing so I do n't have to burden my family to assist with legal expenses for a lawyer. Thank you again for your time.
|
| 10/23/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I mailed a request for validation to Asset Acceptance , LLC on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after after receiving my letter and is dated XXXX/XXXX/15 ; in this letter they identify the original creditor as XXXX XXXX. This company provides healthcare financing and this alleged debt is not identified in my credit reports as medical debt. Not only has Asset failed to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My XXXX request for validation was mailed to Asset on XXXX the return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to Asset. Asset has not responded to my second request and has not properly validated this alleged debt. Asset Acceptance , LLC is Asset Acceptance Capital Corp 's main revenue generating subsidiary ( XXXX ). By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of Encore Capital Group , XXXX, et al dated XXXX/XXXX/15, Asset was identified as having violated Sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ; Sections 8o5 ( a ) ( 1 ), 8o6, 806 ( 5 ), 807, 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), and 807 ( 10 ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692c ( a ) ( 1 ), 1692d, 1692d ( 5 ), 1692e, 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692e ( 8 ), and 1692e ( 10 ) ; Sections 623 ( a ) ( 8 ) ( E ) and 623 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and 1681s-2 ( b ). Under sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565. In this matter, it was found that Asset had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. Asset has not provided me with any of the requested validation information or their method of calculating that I allegedy owe {$19000.00}, which is {$8100.00} in excess of the alleged {$11000.00} ( approximate ) original balance. I believe that Asset has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. This alleged debt is time-barred and Asset has not conducted a reasonable investigation of my dispute, despite multiple requests.
|
| 07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
To Whom It May Concern : I am trying to resolve an issue with XXXX XXXX, XXXX ( also known as Encore Capital ). I am not aware of this matter that indicates XXXX XXXX became the servicer of this alleged account on behalf of purchaser, XXXX XXXX, XXXX. I sent a dispute in XX/XX/XXXX and in XX/XX/XXXX ; however, I did not receive a mailed copy of the verification information provided by the seller in XX/XX/XXXX or XX/XX/XXXX as stated. I comprehend the concept that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act ( FDCPA ). However, after reviewing the consent decrees that Encore Capital has received concerning their business practices from the CPFB and other reprimands from various judges, I am not aware if this alleged account in question remains collectible, due and owing to XXXX XXXX as servicer for XXXX XXXX. Furthermore, this alleged account in question is " Time-Barred '' if the information they are providing is accurate as stated.
Any unscrupulous debt collector could possibly claim ownership of one 's alleged account and send statements generated by new technology as verification ( see attachment ). I find it reprehensible that a company could report negative information to someone's credit reports without proper ownership. Debt collectors must prove they have the right to collect a debt and establish an unbroken, valid chain of assignment back to the original creditor. I have seen no proof for a bill of sale, an assignment, or a receipt between the last creditor and debt collector ( s ) holding this alleged debt. I am entitled to know the chain of assignment for this alleged debt that specifies who/what was transferred and to whom/to where it was transferred if this information is reported in my credit files. In addition, I should have received correspondence from the original creditor if this alleged account was sold to another entity because it was allegedly charged off the original creditors books.
I expressed a concern regarding how the alleged account is appearing on my credit reports, not report. Each one has different information reported monthly that causes harm continuously. I have contacted the credit agencies concerning XXXX XXXX 's credit reporting. I was advised that the 3 credit bureaus input information into their systems according to the creditor or debt buyer 's electronically sent information.
XXXX XXXX did not respond to the various postings of this alleged account and its monthly changes and listings as other on some reports and collections on another report to the credit bureaus. In addition, Past Due, " Recent Balance, '' FP ( Failed to Pay ) or C ( Collections ), and Terms listed as 1 month are not permitted by debt buyers. This information continues to exist on all 3 credit reports.
A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor, and I have never signed an agreement with them or considered an alleged amount is accurate.
|
| 09/17/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
Midland Funding LLC took out a garnishment against me XX/XX/XXXX. I was not served the XXXX in XXXX until XXXX/XXXX/XXXX for a court date that was scheduled for XXXX/XXXX/XXXX. When I called Midland Funding LLC, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from Midland Funding LLC regarding the repayment. On XXXX/XXXX/XXXX, I called and spoke to a few representitives at Midland Funding, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was recieved. I called again on XXXX/XXXX/XXXX, and was told the same thing. Once again, nothing received. On XXXX/XXXX/XXXX, I received a alert via a credit monitoring service that a judgement was issued. I contacted Midland Funding yet again. Spoke with XXXX, whom proceeded to tell me that " we would n't have have non-suited your judgement '' along with " stop being a XXXX deadbeat and pay your debts and this would n't happen ''.
I then contacted the CFPB regarding this matter back on XXXX/XXXX/XXXX. Midland Funding removed the Judgement from one credit bureau ( not all of them as per they stated they did in the resolution ). I never recieved any communications from Midland Funding regarding the repayment yet again. Nor did I recieve any communications regarding the repayment from XXXX XXXX XXXX ( whom Midland Funding claims was processing the judgement ). When I attempted to contact XXXX XXXX on XXXX/XXXX/XXXX, I was placed on hold for XXXX minutes then hung up on. I called back seven times to the same result. On XXXX/XXXX/XXXX, after daily calling, I was finally able to get someone who stated that " You have two options, you pay us the entire amount or you will be sued ''. On XXXX/XXXX/XXXX, I managed to contact yet again. I explained to XXXX ( who I was told was handling my case ), that I did not receive any repayment information and that I was stated by Midland Credit that they were non-suiting the case. I got laughed at, then told " Oh well, that 's your fault ''.
After filing my XXXX complaint here, I had the judgement removed from what I thought was all three bureaus, but instead was just XXXX ( both XXXX and XXXX still show the judgement ). Nothing was sent to me from Midland Funding LLC or XXXX XXXX XXXX. I had not heard anything from Midland Funding LLC or XXXX XXXX XXXX regarding the matter after the last follow up on XXXX/XXXX/XXXX from the CFPB.
Now on XXXX/XXXX/XXXX, I received notification from my employer that I had a wage garnishment issued by Midland Funding on XXXX/XXXX/XXXX. I was never given any paperwork regarding the garnishment order other than a electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XXXX/XXXX/XXXX for the judgement issued back on XXXX/XXXX/XXXX. Almost two years after the initial ruling, and with XXXX contact from either Midland Funding LLC or XXXX XXXX XXXX in regards to the matter.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
|
| 02/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately.
I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction.
I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES.
Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document.
After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
This is for all three affidavits I sent into your company each has an invoice attached if you chose to ignore them you will me meeting me in court.
|
| 11/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Hello, I have reported several times that I was a victim of identity theft my freshman year in college in XXXX the ending of my Fall and Summer semester. While on winter break from college before XXXX XXXX XXXX I received all kinds of letters about bounced checks written In Florida, Alabama and other places I had no acknowledgement of. One store in particular was XXXX XXXX XXXX XXXX of the many. I worked in high school instead of graduating a year early and saved up for college my XXXX and XXXX year. I banked with XXXX XXXX. The account was in good standings and closed out before leaving off to college in XXXX, Florida XXXX XXXX XXXX XXXX XXXX. XXXX, Florida didn't have a XXXX XXXXXXXX XXXX. When I returned to college after Winter break of XXXX, I did the police report. I was sent on a run around from XXXX police station on campus where I had cleaned out my on campus apartment before leaving the break of and reported among the belongings discarded were old checkbooks in an old wallet I had from high school. I had no health insurance during my freshman year, I had to use the on campus clinic free to students. I had no money or {$50.00} bill reported to the police in the wallet and I had no credit cards. Yet, when I reported the prior false garnishment of wages in XX/XX/XXXX which was sent to my job XXXX XXXX XXXX, I had to request the police report from XXXX. I was given the run around again. I was sent a police report which had inaccurate reporting which resulted in these present false garnishment of wages. Also due to the inaccurate and timely handling of my identity theft report in which I reported to all police authorities in XXXX when given the runaround back in XXXX as I attempted to handle the situation, I was told that there were warrants out for my XXXX in later XXXX which resulted to me being falsely XXXX behind the bounce checks after I reported the issue to the police stations. I had to back then report it to my bank XXXX XXXX and the bank did the investigation again, and cleared me. Those documents were provided to XXXX County Courts and the cases for the fraudulent checks were thrown out. Now due to a police report in which I never saw or received a copy of at the time of all this, I am being targeted and harassed within the last 2 years in my virtual workplaces with attempts to collect on credit cards I never owned. Obviously someone opened card cards in my name too with my personal information. The latest garnishment was sent today XX/XX/XXXX by mail for a XXXX credit card claiming I owed {$3000.00} from XXXX which is false. On top of an inaccurate police report which has caused more problems for me. New case of identity theft Case No # XXXX company Asset Acceptance L.L.C. sent to XXXX XXXX where I was harassed and targeted and didn't know anything about this garnishment that had been sent. Mailed out and served to me on XX/XX/XXXX and I received it by mail XX/XX/XXXX. I spoke with XXXX XXXX XXXX who opened a dispute and I was instructed to email her all information at XXXX XXXX XXXX. Phone number XXXX.
|
| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX!
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help!
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit!
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.
I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
|
| 02/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am being threatened by a debt collector whom I believe is intentionally breaking the law. In pursuit of a non-existing debt.
My most recent correspondence with this company is as follows.
XXXX, XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, Texas XXXX RE : Creditor Midland Funding LLC Paid Debtor : XXXX Account No : XXXXXXXXX In Response to your communication of XXXX 2016 The FDCPA states that ANY person/lawyer or firm that is hired to collect on a debt, is considered a debt collector and falls under the rules of the FDCPA.
The federal and many states ' law require that financially distressed consumers not be abused, deceived, lose their privacy, or be treated unfairly.
You have called me and my extended family members using intimidation, talking with my friends and family about a debt. Without my permission this is illegal. Talking to them about non-existing debt is slanderous. Making harassing telephone calls and threats to sue on a debt that was paid, or no longer owed due to settlement is illegal. ( such is the finding when a debt collector and debtor settled a debt, and then the debt collector instituted litigation on the same debt ) Have I been mislead?
In our documented agreement.
You wrote up the settlement with an amount that was much closer to the original debt, as it was closer to the original debt before all the add ons, I accepted the mutually agreed amount of {$6700.00}. I paid that full amount agreed upon within the time frame you had given.
I am not trying to get out of paying my bills, however I will not pay money I do not owe.
This agreement states that if I make payments totaling {$6700.00} in a timely manner ( within the time frame you gave me ) the original note will be marked as paid and returned to me, and any remaining balance would be forgiven. I did as you asked. It now appears that you have failed, on your end, to mark the original note as paid, and return it to me, as you stated in your letter, that you would.
Instead you have called me, and extended family members, leading family to believe I was in trouble with the law. All in trying to collect on a debt by your agreement is no longer owed.
The correspondence written XXXX XXXX, 2016 is confusing.
It shows that I indeed paid the {$6700.00}, ( the settlement amount that I also have in canceled checks ), written to and cashed by XXXX XXXX. It reads as though you are attempting to collect even more money. Money that is not owed.
I dispute and deny this debt, as I will dispute any continuance of this matter. As you can plainly see, positively this is a mistake, by someone in your office.
This information will now clear that up. I have done all that I was asked to do by your office.
If you continue to seek force, and threaten to extract money I do not owe, I will have no other choice but to seek outside help to resolve this matter.
You may contact me in writing to advise me that your debt collection efforts are being terminated, or that you are or the creditor are taking specific actions allowed by the FDCPA or Texas laws.
|
| 10/06/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I settled credit card debt owned by Midland Funding with XXXX XXXX XXXX. Judgement states make XXXX payments to XXXX XXXX XXXX monthly. Starting XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all my payments made through bill pay were returned to my bank account ( see attached ). Midland wouldnt acknowledge my acct, told me to call my lawyer. My lawyer had no idea of who I was to make payments to. XXXX XXXX XXXX .... no answer. XXXX XXXX XXXX had no idea why payments were being returned. I received notice that I was part of the class action lawsuit and would receive either monetary settlement or remaining debt cleared. I never heard anything else from anyone until XX/XX/XXXX. Almost a year later my wages are being garnished by XXXX XXXX for ... .. NONPAYMENT. XXXX XXXX are not listed anywhere on my court judgement document saying Im responsible to send payments to them. XXXX XXXX XXXX or Midland never notified me of who I was to send payments to. No certified mail, never served. NOTHING. When I called them they initially said that I was being garnished because I failed to make payments ( they ones that were sent back to me ) ... so they waited a year and garnished. When I asked why no one contacted me they said that they " Tried '' to contact my lawyer but my lawyer never returned their call. They admitted this was the only attempt they made. And this is on an account that was named in a class action lawsuit for illegal collection. Oh .... and although I settled the debt from XXXX to XXXX and have already paid off a large majority of that .... Im being garnished .... {$1000.00} per paycheck ... .. XXXX a month .... for the FULL XXXX. How can this happen? And Im not the only one this is happening to. I will lose my house .... everything. I was making payments and doing what I was supposed to do .... they are taking advantage of people like me. I tried diligently to find out who payments needed to be made to and to try to find out why they were returned in the first place to no avail. And now they can just walk in .... send a notice to my employer on a Friday ... garnish XXXX the next Friday ( NO TIME to fight this at all ). My lawyer has made numerous calls and they wont return her calls. I called them and this person XXXX XXXX ( At XXXX XXXX ) told me to send him my proof that I made payments and he would call me. I sent my documentation immediately and he never called me back. Ive left messages and they wont call me. How easy for someone to just stop taking payments .... return payments and just say you didnt pay .... and collect the whole XXXX instead of the XXXX i owe. This seems illegal to me. These people need to be stopped. Immediately. Im a single mother .... paying for a home, food, clothes etc with NO SUPPORT outside my income. paying for my car and my XXXX kids ... who are XXXX. It takes every dime I have to do this alone .... XXXX a month will cause me to lose my home .... I may make a good salary, but I also have other debt. And Im sure they would like their money too.
|
| 09/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I mailed a request for validation to Asset Acceptance , LLC on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after receiving my letter and is dated XXXX/XXXX/15. Not only do they fail to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My second request for validation was mailed to Asset on XXXX/XXXX/15 and the return receipt cards indicate that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to Asset. Asset responded a second time on XXXX/XXXX/15. I am not sure how Asset was able to respond prior to their XXXX/XXXX/15 receipt of my letter. Asset 's response letter of XXXX/XXXX/15 appears to be an exact duplicate of their XXXX/XXXX/15 response and does not provide the information that I requested. Asset Acceptance , LLC is Asset Acceptance XXXX XXXX main revenue generating subsidiary XXXX By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of Encore Capital Group XXXX XXXX, et al dated XXXX/XXXX/15, Asset was has identified as having violated Sections XXXX XXXX a ) and XXXX ( a ) ( XXXX ) of the Consumer Financial Protection Act of 2010 XXXX " XXXX '' XXXX, XXXX U.S.C. XXXX XXXX a ) and XXXX ( a ) ( XXXX ) ; Sections XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of the Fair Debt Collection Practices Act ( " FDCPA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) ; Sections XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ). Under sections XXXX and XXXX of the XXXX, XXXX U.S.C. XXXX, XXXX. In this matter, it was found that Asset had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. Asset has not provided me with the charge-off balance or their method of calculating any amount in excess of this balance. I believe that Asset has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. Asset has not conducted a reasonable investigation of my dispute, despite multiple requests.
|
| 10/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, XXXX5 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the XXXX period * Prove that you 're a licensed debt collector XXXX Show me your license numbers and registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the FCRA, Violation of the FDCPA and Defamation of character. If your agency can provide me with the requested documents, I will need minimum XXXX days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. If your agency/company fails to respond to this debt validation request within a period of XXXX days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
|
| 08/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I submitted a complaint earlier this month and everything the company has responded with is completely false. This company has violated MANY federal regulations in regards to proper debt collection. I have sent a total of 5 requests for debt validation, all of which have been ignored. They are unable to produce the validation required so that I can ensure this is my debt. The amount they are reporting is in fact invalid and was confirmed invalid when I reached out to XXXX XXXX They have listed on my XXXX credit report and XXXX that this account was with a lawyer when in fact it is not. They have had people pretending to be lawyers call my home and family members with threats to sue, people have called and left threatening voicemails claiming they will come to my job and serve me with court orders, they have called my family members and told them they wanted to know my whereabouts so that they could have me served with court papers in reference to this debt. I have NEVER given this company permission to contact anyone in reference to this debt. My mother in law was called and given my whole social by someone from their office which is a breech of privacy and illegal. Every conversation I have had with this company has not been in guidelines with federal regulations of debt collections. A rep from their office called me while I was in the hospital giving birth to my stillborn daughter and threatened to have served with papers. Not one time did any of these reps mention that they were attempting to collect on a time barred debt which they are legally bound to do in trying to collect on a time barred debt. Further more I have saved voicemails and recordings of the company they have sold the debt off to who tried to threaten to sue me. Since they have sold this debt off to another junk debt buyer like them they are illegally reporting on my credit report. They no longer own the debt and have no legal right to continue to report anything on my credit report. The call I made to their office where I was told they had probably mailed the proof to the wrong address and refused to send another proof of debt out was XXXX of XXXX. Also their account that the debt is not due to come off of my credit report until XX/XX/XXXX is incorrect. Base off of my credit report the account was listed as deliquent in XXXX of XXXX ( which is false, after talks with XXXX XXXX the actual delinquency date was XX/XX/XXXX ) so that makes the account due to age out XXXX. of XXXX Credit reporting agencies go by last date of delinquency that was reported by the original owner not when the collection agency received the debt. They call from spoofed numbers and leave threatening voicemails. All of which is against federal regulations. While I was able to confirm there was a debt with XXXX attached to my name, they could not verify if I was the one who initated the debt. They have not been able to produce a contract with my signature and a detailed bill showing proof of the amount that was sent to collections.
|
| 04/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My complaint is against Midland Credit Management ( Midland Funding ) There address is XXXX XXXX XXXX XXXX, MI XXXX. The current amount of the debt owed is XXXX The original amount was XXXX. I paid them a total of {$400.00} in XXXX towards the debt and offered them another {$400.00} to settle the debt.
I contacted Midland Funding on Thursday, XX/XX/XXXX to try to resolve that debt. I asked if they would take a settlement offer and I stated how much I could pay which was {$400.00}. The gentleman said no and I asked what amount would they be willing to accept. They gentleman XXXX XXXX said that no settlement would be accepted, only the full balance that was owed. He stated that I should ask a family member to assist me in paying for the debt. At that point I asked to speak to a supervisor and he said that I could not. So I kindly ended the conversation and I filed a complaint on the company website. A few days later on XX/XX/XXXX the same person XXXX XXXX called me back in an attempt to collect a debt and once again I asked if a settlement offer of {$400.00} would be accepted and he said no only the full balance. I reminded him that the last time we spoke he refused to allow me to speak to a supervisor and he tried to say that he told me they were all busy not that I could not speak to one. So asked again to speak to a supervisor. This time my call was transferred and I spoke with XXXX XXXX who identified himself as a manger and he also stated that no settlement would be accepted. I once again filed a complaint on the company website because I was upset that I had been contacted again by the same person that had previously been so rude and that I had filed a complaint against. I received another call from the same XXXX XXXX on XX/XX/XXXX in attempt to collect the debt. I asked once again if a settlement offer would be accepted and he said no. At his point he stated that there was a judgment for my wages to be garnished. After getting off the call I logged into my account. When I looked at my account online the last judgement on the account was from XX/XX/XXXX to collect the debt and interest on the account was awarded, no judgement to garnish my wages was listed. Now today XX/XX/XXXX I received another call from XXXX XXXX of Midland Funding trying to collect the debt. Again I asked if a settlement offer would be accepted and he said no and asked me why I couldn't pay the entire debt. I informed him that I offered them what I could pay towards the debt. Then he asked if I was getting an unemployment check and I stated no. Then he asked if I received a stimulus check and that I could use that. I stated to him that check was to help people to maintain their home and pay other bills to continue to live. At which point I told him the conversation was over and I hung up.
Copy of payments made PAYMENT SUMMARY VIEW AVAILABLE PAYMENT OPTIONS DATE PAYMENT XX/XX/XXXX {$120.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00}
|
| 10/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!! SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations.
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITIONA MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA XXXX Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
|
| 10/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!!
SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations. Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be XXXX XXXX XXXX and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them. From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my privacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITION A MIDLAND DOES NOT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA. Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management MIDLAND FUNDING, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for Midland Credit Management From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that gives you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX ], you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Recently, I did an investigation on credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
I XXXX XXXX XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by XXXX XXXX Bank and Midland Credit Management Inc. in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least one party. I am hereby giving you advance notice that I may decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record.
Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following.
I refuse to pay this debt.
Send and Audit Trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; Zero out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies.
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above.
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall.
a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( Janetos v. Fulton Friedman & Gullace , LLP, 825 F.3d 317,325-26 ( 7th Cir.2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, 225 F.3d at 404-05. ) Regards, XXXX XXXX XXXX XXXX.
XXXX XXXX Person
|
| 12/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midland Funding LLC took on the debt I owed to XXXX XXXX XXXX in XXXX. At that time I had enrolled in a debt relief program with XXXX XXXX XXXX and this debt was one of the accounts managed by XXXX XXXX XXXX. In XX/XX/XXXX a Warrant In Debt was filed against me by Midland Funding LLC. I was represented by XXXX XXXX XXXX and a settlement agreement was negotiated and agreed to.
The Stipulation of Settlement stated the Defendant will pay Plaintiff a total of {$110000.00} in satisfaction of the debt owed with an initial payment of {$95.00} by XX/XX/XXXX and 10 monthly payments beginning on XX/XX/XXXX with a final payment of {$95.00} on XX/XX/XXXX. It states that upon payment of the Settlement Amount, Defendant will be considered released from all causes of action and claims we have in connection with the account referenced in the agreement. It also states that once the signed stipulation is returned to the Plaintiff and the first payment as agreed upon is received by Plaintiff, Plaintiff will dismiss the case without prejudice.
This debt was paid in full in XX/XX/XXXX. The final payment was mailed XX/XX/XXXX by XXXX XXXX XXXX and Midland Funding LLC showed it processed XX/XX/XXXX. As of XX/XX/XXXX this debt is still being reported as an open account and that {$540.00} is the remaining balance on the account. Also, the case was never dismissed per the terms of the stipulation agreement when the first payment was made in XX/XX/XXXX.
I have tried to contact Midland Funding LLC regarding this issue. At one point I was told an amount of {$150.00} was owed on the account. I informed them that the account was paid in full and the amount that was being reported on my credit report was {$540.00}. I was then told to contact a different department to resolve the issue, which I did. After speaking with several people in that department, I'm told they can not speak to me due to a " do not contact '' order on the account placed by XXXX XXXX XXXX. I've tried to explain that the account is paid in full and they need to clear the matter up on their end, but they are unwilling to help me. I have sent them an XXXX revoke letter from XXXX XXXX XXXX and I'm hoping that will help, but I feel I shouldn't have to go through any more steps or processes with them since they have all the documentation regarding the stipulation agreement and the account was paid in full in XX/XX/XXXX. As of this writing, they have not met their side of the agreement in any form, beginning with dismissing the case once they received the first payment as outlined in the stipulation agreement.
With this complaint, I am attaching a copy of the stipulation agreement I received from XXXX XXXX XXXX, a copy of the payments made by XXXX XXXX XXXX to Midland Funding LLC as provided from the account ledger, a copy of the account information from the Midland Funding website showing where the payments were posted to the account, and a copy of the XXXX Revoke letter from XXXX XXXX XXXX.
|
| 12/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Happy Holidays ; Please remove this unknown collection account from all the major credit bureaus for failure to provide me the required documents as requested per the laws under FDCPA. A Months ago, I initiated a dispute with the MidlandMCM directly asking for all the documents and disclosure so I can validate the accuracy of this alleged debt, but they failed to provide me ALL the required documents. But after reading several cases online, where the company was sued for a similar situation, and specifically a case of " State of Texas vs. Midland Funding and their other entities and group '', where the plaintiff asked for documents and they failed to provide them. The AG outlined what the plaintiff was asking for and their nature of business. Please see detail below : 9.3 The electronic portfolios of these charged off accounts acquired by Defendants contain limited categories of information about the debt. Typically, Defendants do not acquire the underlying credit agreements, payment history, or statements ( or " media '' ) but retain the right to purchase the documentation from the original creditor at a later date. 9.4 Defendants ' collection activities prefer " efficiency '' and profits over compliance with Texas debt collection laws. Defendants chum out millions of collection letters and millions of telephone calls from its call centers in Arizona, Minnesota and XXXX, often using incomplete and/or inaccurate electronic information purchased from original creditors. Consumers complain Defendants have targeted the wrong person for collection or are attempting to collect debts that have been fully or partially paid or settled. Consumers also complain that Defendants pursue them for collection of old debts for which they do not have any records and are beyond the statute of limitations and credit reporting periods. Defendants ' form collection letters contain very little information about the debt, no supporting documentation, and no proof that ownership of the debt has been transferred to Defendants. When a citizen contacts Defendants to dispute a debt or the amount of the balance owed, or to ask for additional information, little or nothing is done to investigate or verify the legitimacy of the debt.
9.5 Consumers complain that when they tell Defendants they do not owe the debt Defendants refuse to provide documentation to verify the debt and turn the tables on the consumer to prove the debt is not owed or not owed in the amount alleged. Consumers complain that this practice has resulted in loss of credit rating, inability to refinance their homes, and even loss of job opportunities, in addition to the aggravation of being harassed by a debt collector who refuses to verify the debt. Some consumers pay Defendants just to avoid a false report to the credit reporting agencies or avoid the harassment of a lawsuit. The XXXX XXXX XXXX reports that over 15,000 consumers have filed complaints regarding Defendants ' collection practices.
|
| 03/11/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
Used public records or records land listed at appraisal book 11 page 211. Improper purpose. Purpose of frsud, XXXX, pretending. City Municipal attorney XXXX XXXX, submitted through midland Funding LLC a fraud claim lawsuit. Midland Funding LLC pretending to be XXXX XXXX. Over two years,, deprived rights of Title 18 section 242 violation. The title vii. First amendment, fifth amendment, Fourteenth amendments. I am a XXXX XXXX. I have experienced hardship, identity theft, for almost two years fighting in court XXXX Fraudulent transfer mortgage assignment claim and forcefully evicted of from homestead private property. I am an heir, and restricted property. Not a part of enterprise zone. Unfair advertising, restricted cultural land. Book 11, page 211. The citizen of XXXX XXXX XXXX XXXX XXXX, Florida. Deprived rights of police protection. homestead private property ownership rights. Senior citizens. deprived Title 18, SECTION 242., title vii. First amendment, FIFTH AMENDMENT, AND FOURTEENTH AMENDMENT. I am being severely discriminated by my city municipal attorney XXXX XXXX. City Attorney who is discriminating by targeting XXXX owners private property rights. advertising XXXX XXXX private property is a violation. XXXX XXXX XXXX IS Restricted RESIDENTIAL. CULTURAL land, not part of the ENTERPRISE busines, commercial or municipal use. Presently, my heritage, personal private property. Restricted private property land rights is being STOLEN AND damaged. XXXX XXXX XXXX is being advertised, for PROFIT. THE real ESTATE LISTINGS on XXXX XXXX. it cultural related. XXXX XXXX XXXX is residential personal property. Not zoned for use of commercial properties or municipal properties. Yet I was forcefully evicted off my own Private property XX/XX/XXXX. Related, LOT XXXX PROPERTY APPRASAL FRAUD BIDDER, IS NOW IN someone else named, XXXX XXXX XXXX. XXXX XXXX XXXX LISTED AS NO LIMIT HOME IMPROVEMENT LOT XXXX. City lot XXXX address XXXX kentucky. personal property. My rights were Not protected by the police. Sheriff Giving me a twenty four hours to move out of my own Private property. XXXX x XXXX lot size. XXXX of an acre, targeting by Fraudulent conspiracy made by the city XXXX activities. Zoned residential, single family residential Land. Restricted use, was not zoned for commercial use or municipal use is not part of the enterprise zone. The City Fraudulent XXXX transfers mortgage claims problem. Targeting XXXX single female, XXXX XXXX, property owner, heir property. Through the court used Midland Funding LLC. Inactive license, used bidder XXXX XXXX XXXX XXXX. Submitted Forged documents, robo signature. During this pandemic XXXX hearing. Quiet lis Pendens filed XX/XX/XXXX by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Midland Funding LLC pretending to be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers Fraudulent Documents submitted. Fake bidder, XXXX XXXX XXXX XXXX XXXX {$130000.00}.
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This letter is in response to your recent claim regarding account #, XXXX which you claim that I owe MIDLAND FUNDING LLC, {$2200.00}. This is a formal notice that your claim is again disputed.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ; MIDLAND FUNDING LLC. My reason for disputing is : I do not nor have I have entered into a contract with MIDLAND FUNDING LLC nor have I ever signed any documents stating I would pay MIDLAND FUNDING LLC.
This is NOT a request for " verification '' or statements for the original company, or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above-named Title and Section.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, Midland Funding.
Please provide me with the following : What the money you say I owe is for.
Explain and show me how you calculated what you say I owe, MIDLAND FUNDING LLC.
Provide me with copies of any papers that show I agreed to pay you ; Midland Funding LLC, what you say I owe.
Identify the original creditor with name and address.
Prove the Statute of Limitations has not expired on this account.
Provide me with validation that MIDLAND FUNDING LLC is bonded to legally conduct debt collection in the State of Texas and provide me with the name of your bonding company and your license numbers.
Now, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character STOP THE HARRASSING PHONE CALLS! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file a counter suit.
All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS.
It would be advisable that you and your client assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose.
Regards, XXXX XXXX cc Federal Trade Commission CC Better Business Bureau
|
| 03/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX phone number is XXXX XXXX XXXX. I spoke with Midland Credit Management back in XX/XX/XXXX and advised I did not recognize this account. Provide proof so that I can try to settle the account. I advised I was unemployed and may have to file bankruptcy to reorganize my debts. But I don't recognize this bill. I would pay it if I could.
XX/XX/XXXX, Midland Bank stated the account was included in a bankruptcy and only their bankruptcy department could handle the account. I advised them I hadn't filed a bankruptcy since XXXX. They transferred to me to their bankruptcy department. The bankruptcy department stated they couldn't help me because this account particular account wasn't included in a bankruptcy and the customer service department shouldn't have transferred me. Yet, they couldn't provide information either. This transferring back and forth went on for about 35 minutes until I asked for a supervisor. They kept transferring me and putting me on hold. I was then told I couldn't get verification regarding this account for a month, because of the Cornovirus. They were short staff. I kept insisting on speaking with a supervisor. A gentlemen name XXXX XXXX, identified himself as a supervisor. He advised me to call him back at XXXX on XXXX at XXXX XXXX XXXX x. XXXX and he would be able to provided information regarding this account on XX/XX/XXXX.
I called back on XX/XX/XXXX @ XXXX. XXXX XXXX XXXX. a specialist for debt consumer support services. took over the call and tried to collect on a XXXX account that was included in a XXXX chapter XXXX Bankruptcy. I advised the agent I wasn't paying on a XXXX account that was included in a XXXX bankruptcy. I wanted to settle the account with XXXX XXXX from XXXX that they keep calling me about. He said he didn't see an account with XXXX XXXX, just the XXXX account and he apologize for the mistake. He notices the account was included in a bankruptcy from XXXX. He transferred to back to the customer services department again.
Midland credit has no idea what accounts they are collecting for. They have reported accounts on my credit report, that they can't even find or validate. I asked them to stop calling me, especially if you can't verify this account. I have gotten several different stories when I have called to try to pay this bill and it doesn't add up.
XXXX XXXX identified himself as a supervisor and to call him back at XXXX XXXX XXXX x XXXX. Each time I attempt to call him back the phone number doesn't work. Each time I try to reach him, no one can connect us or knows who he is. YET HE IDENTIFIED HIMSELF AS A SUPERVISOR.
I WOULD LIKE TO FILE A COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT.
XXXX XXXX, account manager. stated Midland Bank can't find the sales receipt stating I own anything. He would send me the papers to dispute the account, yet they have reported it on my credit report.
|
| 09/08/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX, I was sued by Midland Funding LLC ( " MCM '' ), a subsidiary of Encore Capital, for the unpaid XXXX XXXX, debt which was jointly incurred by my former husband and I but was in my name. Before MCM filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. MCM did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt MCM took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. MCM literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that MCM took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, MCM failed to comply with California Rule of Court 3.1385 by failing to immediately alert the Court regarding the settlement.
XX/XX/XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with MCM to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. MCM attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence.
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file.
As a part of MCM 's and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of MCM and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement.
In good faith, I had made timely payments to comply with the settlement terms and yet, once MCM received my final payment, it reneged on the terms of its own settlement letter. Furthermore, MCM failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent MCM from harming consumers who, in good faith, comply with their settlements with MCM while MCM feels entitled to renege causing consumers to incur additional expenses.
|
| 07/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Mailed in care of the Post Office for the United States of America DATE : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL/NOTICE TO PRINCIPAL IS NOTICE TO AGENT ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT To Midland Credit Management Pre-Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account Number : XXXX To Whom It May Concern : I confirm that I have received a written communication from you addressed to myself and dated XXXX XXXX wherein you make reference to the above captioned matter.
It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX XXXX XXXX XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX XXXX XXXX XXXX either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX XXXX, XXXX XXXX XXXX XXXX ), which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX XXXX XXXX XXXX. If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX XXXX XXXX XXXX as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation from {$2100.00} to {$0.00} and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX XXXX XXXX XXXX.
ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 XX/XX/XXXX, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of XXXX ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ).
3. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 4. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''?
5. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ).
Of this presentment take due Notice and heed and govern yourself accordingly On behalf of XXXX XXXX Without recourse By : : XXXX : XXXX :, Equitable Beneficiary Title Holder
|
| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In late XX/XX/XXXX, I received my first written communication from XXXX XXXX XXXX , XXXX about a purported debt owed to XXXX XXXX in the amount of {$3800.00}. I immediately contacted the company as instructed on the letter to dispute the debt and repeatedly requested to be provided with debt verification information ; however, after being on the phone for over 1 hour with 3 separate customer representatives, they continually dismissed my request for copies of debt verification information and flat out verbally refused to provide me with same. Accordingly, I was forced to disconnect the unproductive, circular, abusive call.
On XX/XX/XXXX ( within the 30 days they provided as a deadline ), I sent a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ), which was duly delivered on XX/XX/XXXX at XXXX XXXX to Midland 's " Front Desk, Reception Area, or Mail Room ''. To date ( XX/XX/XXXX ) I still have received NO communication, copies, or written debt verification despite written request for debt verification information as their letter advised I could write and they would provide.
On XX/XX/XXXX I received a Pre-Legal Notification advising that I may request information at no cost to me ( which I did on XX/XX/XXXX to no avail ). On XX/XX/XXXX I received a Pre-Legal Notification titled, " SECOND NOTICE '' ; however, it contained NO Statement that if I notify them in writing within the 30 day period that I dispute the debt, they will obtain verification of the debt and forward me a copy of same, nor a statement that they were a debt collector attempting to collect a debt.
As my XX/XX/XXXX written request for information was willfully ignored ( violating 15 U.S.C. Section 1692g and Section 1692e ), I again contacted them by telephone at XXXX. I was on the phone again for over 1 hour with 5 separate customer representatives, before I was finally transferred to XXXX XXXX ( a purported Supervisor at Extension XXXX ), who confirmed receipt of my XX/XX/XXXX written request for information, but she would NOT explain and refused to explain why they violated my Florida and Federal FDCPA rights by refusing to provide me with copies of the requested debt verification information ( i.e., name and address of original creditor, account statement, complete transactional history, account number at time of charge-off, the charge-off balance, the claimed balance, list of all prior owners of this account and transfer information, documentation evidencing the transfer of ownership of the account to Midland Funding, complete transactional history reflecting purchase, payment or other actual use of the account or a signed document reflecting the opening of the account at issue ). She simply stated that they " had verified the debt '' ; however, would NOT explain to me what that verification process was, nor provide copies of proof of validation as their Pre-Legal Notification advised they would do and that my written request that they do so.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 06/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am writing to file another complaint against Midland Credit Management for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against the companies.
Midland Credit Management : Midland Credit Management has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report. In the absence of such evidence, I urge you to promptly remove all inaccurate or unverifiable information related to these accounts from my credit report. Furthermore, I request that Midland Credit Management ceases reporting this disputed information to any third parties immediately.
Midland Credit Management has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed five acts of reporting inaccurate information to the credit bureaus regarding alleged charged-off accounts, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on XXXX XXXX Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Midland Credit Management. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Midland Credit Management cease the reporting of this disputed information to any third parties without delay.
I want to bring to your attention that this is the third time I am filing a complaint against Midland Credit Management, as they have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form XXXX.
I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Midland Credit Management. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws.
I appreciate your prompt assistance in resolving this matter.
Thank you for your attention to this complaint.
Sincerely, XXXX XXXX
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As I notice this account on my consumer credit report with MCM claiming to own an alleged account from associated XXXX XXXX XXXX. According to IRS any account that is claimed to be charged off has filed a 1099-C and is considered an CERTIFICATE OF INDEBTNESS ( INCOME ) and the consumer are to claim those credits as income on tax filings to be in compliance. Therefore, discharged accounts are income and can not be reported on consumer personal credit report.
Since my first demand was ignored I the consumer have put on notice of this demand with the FTC and States AG. This complaint will also be included in my CFPB complaint. Consumer will file federal suit within 14 days of your receipt of this demand if demand isnt fully met.
This is a 2nd demand to have Midland Credit Management removed my private information from their system immediately as well as my consumer CREDIT REPORT. As you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to buy or obtain in anyway my private information including alleged debt and use it against me. This is an abusive and deceptive act. MCM has obtain my personal private information and what your company believe to be my private account information to collect credits off of by claiming to be owner of an account under the consumer name without a legal contract. I have no agreement with MCM.
I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. I would like to know who authorized MCM to obtain personal and private information of mine without my consent? Please provide original security or any documents relating to an agreement between myself and MCM. Please provide documentary XX/XX/XXXX evidence of my authorizing of MCM to open an account in my name and infringe on my credit report.
I ask that unless MCM can provide me the foregoing request, that you delete all my information. MCM is harassing me and failed to provide any documentary evidence of such alleged debt but instead has become in violation of not only FCRA and FDCPA but also the Rosenthal Act.
As a XXXX XXXX under XXXX Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY.
Per 15 USC 1681a consumer report can not have personal transaction history. This violation account on my consumer report has prevented me from equal and fair credit opportunities with damaging of the copyrighted name that MCM has opened an account under. I the consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. I have enclosed an invoice.
|
| 11/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. In my XXXX XXXX XXXXeport, a new account is showing from Midland Credit Management for the balance of {$2300.00}. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXXXXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX XXXX XXXX XXXX XXXX XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXXredit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
|
| 02/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I received a suspicious email from Midland Credit Management XXXX XXXX ( MCM ), a debt collector stating they were trying to collect on a XXXX XXXX debt allegedly owed to MCM. According to MCM, an XXXX Card Account through XXXX XXXX was sold to Midland Credit Management on XX/XX/XXXX. As a result, MCM, a debt collection company, would be collecting on and servicing my account. Per MCM, a XXXX XXXX ( XXXX ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from XXXX indicating that a minimum payment of {$260.00} was due on XX/XX/XXXX. A payment of {$140.00} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my XXXX Credit Card account through XXXX. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$18.00} to prevent further collection activity. I made this payment of {$18.00} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to XXXX XXXX . Please save a copy of this for your records. XXXX XXXX will apply this payment to your XXXX Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$18.00} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from MCM indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to MCM on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$18.00} ). On XX/XX/XXXX, I logged into my XXXX Credit Card account through XXXX and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$150.00} or the minimum due of {$180.00} on XX/XX/XXXX. I scheduled a payment of {$180.00} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through Account Assure. A previous complaint was filed with CFPB against XXXX ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the XXXX website due to technical issues on their end.
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by MIDLAND CREDIT MANAGEMENT INC. While checking my credit report, it came to my notice that MIDLAND CREDIT MANAGEMENT INC has furnished an account ACCOUNT # XXXX on my Consumer Reports.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by COMPANY NAME will amount to Communication.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Any further contact by your Agent or COMPANY NAME, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights.
If you do not cease communication I will escalate the matter to a Federal Complaint.
|
| 07/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : ( 1 ) Asset Acceptance LLC XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( 2 ) XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. XXXX Bank issued me a XXXX XXXX Card XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}.
2. XXXX Bank assigned the debts to an Assignee Asset Acceptance LLC without any intimation to me.
3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest.
4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed.
5. On XXXX XXXX, XXXX Sheriff 's income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal.
6. On XXXX XXXX, XXXX I made an Application Pro Se to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order.
7. On XXXX XXXX, XXXX, I filed Pro Se subsequent XXXX to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied.
8. Appeals to the XXXX Court were also denied because they were not perfected as I filed Pro Se as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. InterestXXXX30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment.
10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
|
| 08/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
My wages were garnished due to this disgrace of a debt collection company using XXXX XXXX XXXX to take me to court. They never served me and could not prove that they did on XX/XX/XXXX in court. They served some man back in XXXX of XXXX that claimed to be my roommate. I live alone, work from home, and had been home working on the day that they served whomever this man was at THE WRONG ADDRESS! I tried to settle this debt in multiple occasions after I found out about XXXX XXXX XXXX on XX/XX/XXXX of XXXX when my HR told me these people reached out to them asking for personal information. I had no idea who they were. I called and some lady started yelling at me like a maniac because I wouldnt give her my personal information. I dont know who you are so why would I?
I called Midland to tell them that I knew nothing about this lawsuit and had been trying to settle it since I learned about it. The law firm refused to settle because I wouldnt give them a financial statement. LEGALLY I do not have to!! Instead they tried to bully me into this by garnishing my wages. I could not afford this and had to empty my account because of these disgusting, unethical, XXXX XXXX law firm. When I reported their tactics to midland, some XXXX guy using a fake name said he would have some department call me back and they never did. I dont run from my responsibilities and the fact I tried to settle this is good faith and was met with yelling and very rude people is by far the most disgusting part about this.
The debt was charged off while I was STUCK IN XXXX DUE TO COVID 19 AIR CLOSURES FOR ALMOST A YEAR IN XXXX. The original debtor was aware and couldnt hold onto the account and I understood. I came home and got a job in XX/XX/XXXX. I had been trying to settle with the original debtor through the credit repair company that I had hired because I wanted to get my cards back. It was not my fault the world shut down. They put me through all of this nonsense and had the audacity to tell me to not be angry. Youve embarrassed me at my job, youve harassed me, and used a con of a law firm who couldnt even serve the right address which gave me no time or room to even settle this because they filed a judgment against me based on serving a complete stranger! There are XXXX addresses where I live that are identical except separated by street, court, circle or place. We barely get our mail delivered to the right address. They served another address and then used my real address on the service. XXXX XXXX I called today to get this removed from my credit and some other XXXX guy with a fake name told me to call back in 7-10 days so that they can verify with the law firm that the debt is paid. I want this off my credit and I hope both the law firm and Midland get hit with a class action law suit for their unethical tactics. People like me who are not running from their responsibilities do not deserve this treatment.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX and XXXX and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. I sent a letter on XX/XX/2018 that was received by them through certified return receipt on XX/XX/2018 tracking number XXXX. On XX/XX/2018 I received in the mail a letter from XXXX XXXX XXXX a that states that the information they have is correct and sent me copies of a credit card statement. I asked for competent evidence bearing my signature. A copy of a statement does not constitute verification as stated in my letters. On XX/XX/2018 I sent out a second letter I requested for them to provide me with the names addresses and telephone numbers of each person who personally verified the alleged account. So I could follow up on there procedures since on proof bearing my signature was provided. I received from them a second letter on XX/XX/2018 again they said the information is correct. Both letters state they will be marking the account status as disputed with the credit reporting agencies however to this day non of the reporting agencies are showing it marked as disputed. The type of account is listed as OPEN. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1500.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Midland also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
|
| 05/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On Monday XX/XX/2019 around XXXX XXXX I received a phone call from a debt collector. The representative identified herself as XXXX from the Midland Credit Management Company. She advised me that the call was being recorded and that this debt will be sent to an attorney. In which I was a bit confused but however I continued with the conversation. She went on to explain about my debt with XXXX XXXX of XXXX and some odd dollars. Ms. XXXX then asked what could be done to clear this debt. I explained to her that at this moment I couldnt contribute anything toward this debt. However I did reach out to XXXX about a month of some ago to settle out this debt but was told that it was already charged off and sold to another company. Therefore the money I had was place on another debt account. But I will start working on paying this debt off next month. I explained that my income was limited due to a injury I sustained in an accident last year. This representative then started to get personal with asking me questions concerning what purchases did I make with this credit card? Have I been clear by my doctor, why I stopped paying this bill and so on. I began to get a bit frustrated and asked her why are you asking me these personal questions. She then stated because she was asking to get to know a little more about myself. I then told her that the questions she was asking have nothing to do with collecting money for this debt. She then went on stating that she was going to reach out to her supervisor to see what options that would be available for me to settle this debt. So I agreed to hold the line to explore my options. I was placed on hold for several minutes and then a male identified himself as XXXX supervisor. He went to asks why did I stop making payments on this debt. How can I make payments with other creditors and not make a payment on this debt. This debt isnt a priority to be paid because he have my credit report in front of him. That he can seen Im paying on other account but not this XXXX account. I explained to him that thats none of his concerns about what Im doing with my money. He then wanted to know why I was upset with the line of questions that were asked. I explained to him why, and that I feel as though that I feel like a victim of harassment. Also acknowledge that I was very patient with these two individual that question me for over eighteen minutes about a debt that I explained to them both that I was going to pay. I was extremely upset and ended the conversation immediately. Unfortunately, at that point I didnt find the need to continue on with this conversation. Because this matter couldnt be financially address until next month as I explained from the beginning of the conversation. I am very disappointed and upset with how I was treated by the individual that represent this company. Especially during this critical time of experiencing this financial hardship.
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA.
I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX XXXX XXXX XXXX.
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine.
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law.
The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX/XXXX XXXX with a balance of {$430.00} and XXXX XXXX for {$680.00}.
I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report.
They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires.
The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires.
The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018.
Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA.
I too requested Validation they have yet to prove it.
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 02/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XXXX XXXX2019 I received a voicemail from a debt collector saying that my husband was going to have legal action pursued against him for an old debt. The caller claimed that he would be taken to court for theft of service and theft by deception. I called the number back and spoke with someone who was kind and I ended up paying them {$50.00} on that day and then a week later paid them another {$620.00}. They set up payments for every month in the amount of {$670.00}. When I went back into the archives of my husbands email I found that at one time over two years ago we did have a loan with that company but it was paid, I managed to get into the account and saw that there was no open loan, no loan history, no email with attempts to collect payment. I decided to hold off until they gave me more information. Instead the used a caller ID spoof to act as if they were calling from my county courthouse saying they were legally warning us and Pursuing legal action against my husband. I called back and explained I needed more information but they didnt provide any, instead they berated me for being irresponsible and taking a loan without reading fine print and said if I gave them {$710.00} they would leave me alone. They also claimed they would send me a letter stating we had agreed to that amount and the loan would be absolved. I called my county courthouse and they had never heard of the person that had called me and said no such person exist and that they do not call people about personal debts. I spoke with the attorney general who referred me to this site. The debt collectors have since been calling and harassing me more, the calls are hostile and accusatory, they tried to call from the spoof courthouse number again and hung up when I answered, they called again and were pretending that I was speaking to a courthouse employee, I stated that I had tried to reach him at my county courthouse but they had not heard of him, he gave me a lot of excuses and I said I would feel better if I called the courthouse directly and was connected to him, he became flustered and I hung up. About 5 minutes after that the collection company called my husbands phone which I answered, they were upset that he didnt pick up. They became very hostile, again threatening us with legal action and I told them that the phone call was over. They left a voicemail on my husbands phone laughing and saying good luck maam we know where your husband works, we will be contacting his employer, thanks for letting us know he works overnight. We were trying to operate under the good faith that we might have made a mistake and agreed to pay the {$670.00} which we did. Now it has become an absolute nightmare, they are contacting our family members from the spoofed courthouse number and leaving messages saying they are looking for my husband, which scared my mother in law. There is no being civil with this company.
|
| 06/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I mailed a debt validation letter to the three credit bureaus ( XXXX, XXXX, and XXXX ) requesting they validate my owing Midland Credit Management for a debt they purchased from XXXX XXXXXXXX XXXX. On Tuesday, XX/XX/XXXX I received a phone call from a representative at XXXX XXXX XXXX who stated he was an account manager, wanting to discuss the alleged debt. At which time I expressed to him, I would not be discussing anything pertaining to the alleged debt over the phone and I request that he mail me validation of the alleged debt. The rep then placed me on hold so he could speak with his superior. A few short moments later another person got on the phone and identified himself as a XXXX XXXX XXXX Supervisor. He too wanted to discuss the debt, but again I refused and reiterated, I needed in writing, validation of the debt. He asked me to be specific about what I was requesting of him and I went on to list : signature agreement of my taking ownership of the debt, the bill and all other documentation they have that proves my indebtedness to their company. He stated, XXXX XXXX XXXX has already mailed me information about the debt. At which point, I respond by telling him I have no knowledge of the information or paperwork he was speaking of. He assured me XXXX XXXX XXXX could provide all of the validation I was requesting. However, he could not understand why we couldn't discuss the debt at that moment over the phone? Again, I told him I would not be discussing anything with anyone at XXXX XXXX XXXX pertaining to any debt until I have received in writing complete validation of the alleged debt. He remained persistent and consistent in his approach. He stated, " He could not understand why I wanted to wait? And, he guessed we'd have to wait another 10 days to handle the matter. '' I remained adamant about my request and the call ended.
I have been checking the mail daily as I waited to see what would be sent to me as validation. Today XX/XX/XXXX I received a double enveloped bill. The date listed as the mailed date is XX/XX/XXXX which means it has taken exactly one month for the bill to reach me by mail. I find this hard to believe! Also, the bill quotes a settlement and tells me in order to benefit I would have to respond by XX/XX/XXXX which is less than one week from today. I find this to be suspicious, erroneous and XXXX XXXX XXXX way of trying to cover ground they have failed already cover.
According to the Fair Credit Reporting Act U.S.C. section 1681g, I have the right to demand XXXX XXXX XXXX furnish me documents they have recorded and retained in there files concerning accounts they are reporting in my credit reports. At this point, XXXX XXXX XXXX has received several request for validation of the debt and have demonstrated by way of failing to furnish the requested validation that they are not able to validate. Thus, by law, they must delete.
|
| 09/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX.
I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt.
I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything.
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification.
Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day.
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Please note, the pre-determined categories do not fit my situation, so I selected what I thought was the closest to my situation.
On or about XX/XX/, Midland Credit Management contacted me via email regarding a XXXX card I once held. In the email, the Midland indicated they would like to set up payment arrangements to resolve the debt and that the debt was in a " Pre-Litigation '' status. I called Midland Credit Management at XXXX and spoke with XXXX XXXX. XXXX advised that I could enter a repayment agreement where an initial payment would be made by the XXXX of XXXX and then bi-weekly payments would begin. After determining an amount that I could afford, I agreed to go forward with repayment. XXXX began processing the repayment agreement and advised me that I was required to do a pre-authorization for ACH withdrawals for the payments every two weeks. I advised XXXX that I would not be willing to do that but would most certainly pay online, as there is an online feature to pay. XXXX then explained that I was REQUIRED to pay via pre-authorization for ACH and that I had no option. I refused and ended the call.
On XX/XX/, Midland Credit Management sent me a " Pre-Legal Notification '' via XXXX. I reviewed the notice and learned they wanted to negotiate payment arrangements for the account. I contacted Midland Credit Management via XXXX and spoke with an XXXX XXXX. XXXX inquired as to what I wanted to which I responded that I was responding to their letter sent via XXXX. XXXX went on to explain that I could enter a repayment agreement, but that I would be REQUIRED to do it via pre-authorization of ACH and if I did not do this, I was refusing to pay. We went back and forth as XXXX attempted to explain that Midland Credit Management is the biggest company and very professional at what they do. I responded by again reiterating my desire to have a repayment plan with the company but that I would gladly make my payments online. XXXX explained that because I would not do a pre-authorization of ACH that he could not allow me to enter a repayment agreement and that this was a refusal to pay. I explained that I am not refusing to pay, I am refusing to give Midland Credit Management an ACH pre-authorization. XXXX responded by telling me it was the same as refusing and further that I do not have the right to call " up there '' and tell them what I am not going to do. XXXX explained that I MUST allow pre-authorization of ACH. I told him again that I would not allow this, and he proceeded to tell me that they were sending the case to a local attorney and that my wages would be garnished, and my bank account levied. When explained that wage garnishment is not an option, XXXX proceeded to tell me that it was and that this is what will happen because I am refusing to pay because I will not provide a pre-authorization. I do believe the call was recorded. I disconnected the call.
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection agency Midland Credit Management has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.
I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.
Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect.
This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 3 times {$3000.00} 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 4 times {$4000.00} - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number 3 times {$3000.00}
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, MI XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX To Whom It May Concern Midland Credit Management you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and household purposes.
You and your inaccurate reporting have damaged my livelihood.
15 US Code 1681s-2- Responsibilities of Furnishers of Information to consumer Reporting agencies.
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something.
15 USC 1681 s-2 Says you Midland Credit Management are a furnisher of Information to a consumer reporting agency.
You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on Notice that you are furnishing incorrect inaccurate information.
15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information.
The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. You, Midland Credit Management did not gain my written permission to report any information on me to consumer reporting agencies, persons or entities.
You have XXXX Calendar Days to Delete this Account from my Consumer Reports!
Sincerely, XXXX XXXX
|
| 10/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In went on XXXX XXXX as I had a foreclosure and enough time had passed so I wanted to work on my credit. I located a DEBT {$870.00} with Midland Credit Management ( MCM # XXXX ) for a XXXX XXXX Bank ( # XXXX ) credit card.
I DID NOT APPLY FOR., RECEIVE, and/or USE a CREDIT CARD.
I tried to call and speak to Midland, they were rude. I called XXXX XXXX Bank. They were helpful, in the fact, they let me know date the account was opened XXXX/XXXX/XXXX. The address that was used for the credit card : XXXX XXXX XXXX XXXX XXXX, FL. The date they sold the account to Midland Credit Management, XXXX XXXX. They instructed me to call Midland Credit Management back and request a Resolution Letter/Fraud Packet. I did same. However all Midland Credit Management sent was a BILL for the {$870.00}. I never received the Fraud Packet.
This is NOT my debt. I was married and lived at that address at one that time. HOWEVER, I divorced and moved to XXXX in XXXX XXXX.
My Divorce was Finalized XXXX XXXX.
This account was XXXX XXXX XXXX.
Again I did NOT live at the Address of XXXX XXXX XXXX XXXX XXXX. FL when the account was opened and used. I did not apply for any credit card. I obviously never received the credit card as I had not lived there for almost XXXX XXXX. However, my ex-wife DID live there at the time the account was opened. As we were once married, she knows my Social Security # etc. I can not say she is the one who did this, but it appears she had means and opportunuty. And during this time she has multiple arrest for fraud, stolen property etc, as a result of her drug habit.
I sent BOTH XXXX XXXX Bank and Midland Credit Management a Certified Letter stating the issue andagain asking for a FRAUD PACKET, a copy of the APPLICATION, a copy of the exact CHARGES and locations of those charges.
XXXX XXXX Bank responded they do not own Account to contact M idlandCredit Management.
Midland Credit Management responded that they " investigated '' and determined it was a correct debt.???
How is that possible? Someone FORGED my name, USED my Social Security #, basically STOLE MY IDENTIY, ran up a debt under my name.
How is this a legitimate debt?
I NEED and DEMANDED from MIDLAND CREDIT MANAGEMENT to provide me : 1. Fraud Packet 2. Copy application including signature card 3. Copy Ledger of each of the purchases ( dates/location/amounts ) assocaited with this debt 4. Verification of exact date and address the credit card was mailed.
Again I have been repeatedly DENIED this information.
I need this information to file a Criminal Case with the XXXX 's office.
I need assistance. Someone STOLE my identiy and Midland Credit Management is REFUSING to provide me information that I need to 1. determine WHO stole my identity and 2. pursue a criminal case against that person.
I can be contacted at XXXXXXXXXXXX or XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX.
Thank you XXXX XXXX
|
| 07/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XX/XX/XXXX I was sue by Midland Credit Management for a credit card. The judgement was ruled in their favor, I contacted the company after I received my documentation from the judge to set up payments at what I could afford. The phone calls started XX/XX/XXXX - was informed they did not have the paperwork from the judge and to call back in two weeks. I attempted these phone calls again on XX/XX/XXXX and XX/XX/XXXX and was still told the same thing. I informed them that I would be going on maternity leave and would call back in XXXX to set the payments up. On XX/XX/XXXX, I called Midland and learned they were charging me a 6 % interest that I was not aware of by anyone or have any type of documentations stating that I would be charged this interest. Contacted the judges office in which they stated the amount on my paperwork from them is what I am to pay back. I went back and fourth with this company from XX/XX/XXXX to XX/XX/XXXX in regards to the interest. They refused to allow me to speak to their legal time, told me I could e-mail them. I e-mail the address they provided and got an e-mail back this e-mail stated that I can not e-mail them because I am not apart of their approved group. I called Midland again on XX/XX/XXXX to inform them of this e-mail and kept going back and fourth, spoke to manager by the name of XXXX XXXX to which she would not listen to anything I had to tell her, but said she would contact the legal department. On XX/XX/XXXX I spoke to XXXX again and she stated they are putting my account at the judgement amount. I told her I would like to set up payments that I can afford. She told me their polices were that I first would have to pay a down payment of 50 % and then they will do monthly payments. I first told her I wanted documentation stating that I was required to pay this, she said they did not have any. I told her I could not afford this and told her what I could afford with the possibility of paying more BUT I did not want to commit to a higher amount. She refused the amount I told her I could afford and kept telling me their policies and requirements are a down payment first. When I asked several times to see these policies and requirements, she just told me it is all internal and I said then how do I know you are even telling me the truth. I asked several times for paperwork and she refused to show me any of time of policies or requirements or even tell me where I could go to online. When I told her that I would just mail in what I can afford monthly, she informed me that they will post the amount towards my account but will probably sue me again for the judgement amount because they do not have an agreement for because she refused what I could afford at this time. I asked to speak to someone higher up then her and she said her Boss was not available and I could call back later to speak to him/her and then hung up on me.
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports.
To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX XXXX XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( XXXX XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other Bureau says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX after having XXXX XXXX XXXX XXXX I am now a XXXX XXXX and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
|
| 10/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Company has selectively provided and omitted specific information on an alleged debt.
They have listed alleged debt on my credit reports and have not provided me with documentation required by law.
The Debt Buyer is not familiar with Virginia law, the state that governs my original agreement.Debt Buyer must provide original agreement or provide affidavit attesting to lost or destroyed agreement. XXXX Virginia Midland has dumped a patchwork of documents trying to prove a bill of sale from creditor to debt buyer. There is nothing that specifically references my account in a bill of sale. The bill of sale is deficient and is just a portfolio of random debt that Midland purchased at different dates. One document here is a certificate of conformity related to the state of NY that has absolutely nothing to do with my account.
I have requested multiple times the original contract between XXXX and myself as it is my legal right. They either do not have this information or refuse to give it to me. Instead they send robo signed affidavits with debt sales from XXXX files that preceded my alleged default with Creditor. Again, I demand Proof that the buyer actually purchased this specific account ; and The terms and conditions of the sale of the account. In Midland 's attached response documents, they list affidavits. Do these people who have sworn affidavits have personal knowledge of the facts of my account if they can not locate the original contract?
Debt Buyer also claims the statute of limitations will not expire until XX/XX/XXXX. The debt buyer is again providing inaccurate information to me and on my credit reports. The statute of limitations starts tickingon the date of the last activity of the original credit account and not the datea debt buyer arbitrarily chooses.
Debt Buyer has a history of flagrant violations of consumers rights and has been successfully sued multiple times by the CFPB for millions of dollars. In XXXX, Midland was found guilty of violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. That same year, the company was sued by 42 states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. Midland paid a {$6.00} XXXX settlement to resolve that lawsuit.
In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the Commonwealth of Massachusetts that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
|
| 06/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
on XXXX I was contacted by my former employer that they received a certified letter for me to their personal address. The letter was a pre legal notification from Midland Credit Management about a debt they claim I owe. I was never notified of this debt prior to this notification AND they sent the letter to my ex boss 's home! The letter said I had until XXXX to pay the {$1200.00} they claim I owe for I will face legal action. On XXXX, I called the number on the letter and spoke with 2 individuals. The first said they could file a claim for fraud when I asked if they could verify the debt with me but would not provide the documentation I asked for to verify the debt. The Second Gentlemen I spoke with named XXXX XXXX an account specialist ) was rather accusatory and aggressive in his communication with me. I asked if they could mail the verification documents to me and he refused claiming I was " only trying to buy time ''. I repeatedly told him I am happy yo pay a debt I owe, however I am unaware of what this is and would like to just verify the information. He continued to be combative and unhelpful. He said they could email the documents to me but would not mail them BUT he would also not do that either. He directed me to the Midland website and said all the verification docs would be there. I logged on after I got off the phone with him and the ONLY documents available to view on their website for this particular debt are billing statements from XXXX and the letters sent from Midland that were mailed to the wrong address.
During my conversation with XXXX, he acknowledged that they sent the correspondence to the wrong email and mailing address. He then said " Is that our fault that XXXX sent us two addresses? You can not blame us for that but we did send mail to ********* which you have said is the wrong address. I understand... but we did send mail. '' He claimed that even though the correspondence was sent to the wrong address multiple times the debt was still verified. He also continued to harass me about why my old boss didn't previously reach out to me regarding the other letter they sent to his house. He continued to ask that question multiple times after I said to him that isn't his concern and they should have sent all mailings to MY address rather than the address of my old boss. The information he disclosed on the call leads me to believe this is not my debt but these debt collectors refused to send ME the documents they sent someone who is not the alleged account holder. This seems particularly predatory to knowingly send debt collection correspondence to the wrong address and refuse to send that information to the correct address. This tactic seems insidious because they are unwilling to pause their legal pursuits to PROPERLY verify that this debt belongs to the person they are threatening to sue.
|
| 09/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AFFIDAVIT OF TRUTH In both private and public concerns, I'am the consumer : in truth I am the natural person, original creditor, and administrator. Fact, the fair dept collection practices act is intended to secure my privacy and to ensure fair, accurate practices.
FACT # 1 according to FDCPA 15 usc 1692c ( C ) once a consumer notifies a debt collector in writing that they refuses to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advise to the consumer that the debt collectors further efforts are being terminated .thought the account number in ( XXXX ) was never validated and cease and desist was sent and was never responded to. And XXXX XXXX HAS BEEN VIOLATING or for the {$590.00} amount Willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 usc 1692g. FACT # 3 Under THE fair debt collection section 806 15 usc 1692d ( 1 ) federal law prohibits the engage of any use or threat of use of any violence or other criminal means to harm the physical person, or the property. ( I never agreed to any to any threats to place an account in derogatory status, either verbally or in writing. FACT # 4 under FDCPA section 807 15 usc 1692 ( 5 ) federal law prohibits the threat to take any action that can not legally be taken .i the affiant I am aware to and have proof in the enclosed documents labeled FACT # 5 under FDCPA section 808 15 usc 1692f ( 8 ) federal law prohibits the use of any language or symbols other than the debt collectors address on any envelope. FACT # 6 under FDCPA 15 usc 1692i- ( 2 ) ( B ) federal law prohibits legal actions by a debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The company thats attempting to collect on this debt is in violation of federal law, please cease and desist all collection attempts.
|
| 12/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MIDLAND CREDIT MANAGEMENT account with a balance of {$200.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
|
| 01/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
Servicemember |
|
I recently discovered by viewing my latest XXXX credit report this past XXXX XXXX, XXXX that Midland Funding , LLC had entered a Civil Judgment into my Public Record. I had no prior knowledge of this suit and Judgment since I had not received any service thereof.
This suit was filed in XXXX XXXX XXXX Court XXXX on XXXX XXXX, XXXX, with Judgment later docketed on XXXX XXXX, XXXX. My issue is this ; I had moved on XXXX XXXX, XXXX XXXX and have resided there ever since at the same address.
I was fully aware of Midland Funding owning this debt since mid XXXX when I was, at that time seeking assistance from the Law Office XXXX XXXX XXXX XXXX XXXX, XXXX who is a highly rated debt settlment firm XXXX. I have since parted ways with this firm as of fall XXXX due to it 's rather high fees. My wife ( who is the sole wage earner ) and I suffered a significant financial setback in the form of her leaving her job at the end of XXXX due to an abusive boss.
We had struggled all thru XXXX and into XXXX when we were finally getting back upon our feet, with our finances becoming more manageable. As of this past XXXX XXXX, I then decided to embark on settling our credit debts. I sent XXXX settlement letters via USPS Certified Mail to Midland Credit Management, XXXX for myself dated XXXX/XXXX/XXXX and for my wife 's account dated XXXX/XXXX/XXXX both of which were signed for and picked up, but got no response except for a simple letter ( dated XXXX/XXXX/XXXX ) thanking me for updating my contact info with them. They mentioned nothing about the suit or anything related to it, let alone any information on a judgment.
Today, Wednesday, XXXX XXXX, XXXX I then made contact with Midland Credit Management and was directed to a woman named XXXX XXXX XXXX ext. XXXX ) who I was informed was handling my account. After speaking with her and some back and forthing, a supervisor then picked up who 's name was XXXX XXXX ( last name was difficult to understand due to his heavy accent ). XXXX he and XXXX sidestepped the issue of the judgment after I referred to it several times and after some discussion, I decided that the conversation was n't going anywhere positive. XXXX kept insisting the full amount of XXXX which included some {$77.00} related to the judgment was to be included in the amount to be negotiated, to which I insisted repeatedly that the judgment was invalid, but she would hear none of it. Their offer was a 40 % discount on XXXX debts, both my wife 's and mine.
It 's worth noting in my opinion that while my accounts were with XXXX XXXX XXXX debt settlement law firm mentioned above, they were able to achieve a 60 % discount on my XXXX XXXX Bank XXXX XXXX XXXX, XXXX. {$680.00} debt for a total of {$270.00}. They, MCM, were not offering that very same deal at this time, but were very persistent on only offering a 40 % discount.
|
| 04/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account MIDLAND CREDIT MANAGEMENT with balance {$850.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
|
| 02/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a collections manager. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a collection manager. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a collections manager, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.
|
| 02/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have have contacted this company by certified mail to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.
The original application for this account with my signature.
A copy of the agreement authorizing your company to collected on their behalf of the original creditor.
FULL detailed accounting history on the account and the calculations on how they reached the amount owe.
Provide verification on any judgments connected to this account.
Provide your license to collect in my state and your registered agent name with their address.
Please show proof that the Statue of Limitations has not expired in my state for this account.
Provide the date of the last payment on this account.
They are listing the items in question to credit bureaus from : XXXX. XXXX Bank XXXX. XXXX Bank XXXX. XXXX XXXX This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit.
I have never gone into a signed agreement or contract with this company and do not owe them for any debt.
I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.
They have broken the following Fair Credit Reporting Act laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I am requesting that they discontinue reporting and remove all negative information that they have reported to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name.
Best, XXXX XXXX
|
| 08/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I am requesting that Midland Credit Management/Midland Funding, LLC be removed from my credit report with all three credit reporting agencies for violation of the FDCPA. I have submitted a prior complaint. I have requested that they validate a debt they alleged that I owe and received no response for over a year.
They sent me a letter dated XXXX XXXX, XXXX, which violated Section 1692g because it did not clearly state that they were attempting to collect a debt and that I had the right to dispute the debt in writing within 30 days. Futhermore, the format of the letter and language used overshadowed the purpose of the letter to collect a debt after proper validation. I do recall speaking with someone to request validation of this debt, but never received any documentation to validate the debt. Instead, I received harassing phone calls which eventually stopped. Unfortunately, I was not aware they were breaking any laws and did not submit a complaint at that time.
After being made aware of my rights, I did send a written certified request to Midland on XXXX XXXX, XXXX requesting validation of the alleged debt. The letter was received by Midland on XXXX XXXX, XXXX. Shortly after, I received a phone call from a representative from Midland, after I requested that they only contact me via USPS. I filed a complaint with CFPB on XXXX XXXX. In their response they attached statements of the debt that they alleged that I owe. However, they have never provided this information to me via USPS or provided documentation that they have a contractual agreement with the original debtor to collect this alleged debt.
I contacted Midland again, via certified letter on XXXX XXXX, XXXX to request validity of this debt and offered to settle this alleged debt if they agreed to remove it from my credit report with all XXXX reporting agencies. To date, I still have not received validation of this account to my satisfaction.
Upon reviewing my credit reports, this account was removed from my XXXX and XXXX reports between XXXX XXXX - XXXX, XXXX and added back. The information that they are reporting to the credit bureaus are inconsistent and I am requesting they remove all information of this debt from all XXXX of my credit reports.
I have placed a dispute with XXXX to remove information from my account as they are listed as the original lender with a date assigned as XXXX XXXX. I do not have contractual agreement with them as a creditor and want it permanently removed. I am also disputing my XXXX and XXXX accounts as I have not been supplied with any evidence that the alleged debt was sold or assigned to Midland to collect from me.
I am requesting that Midland remove this account from my credit report with all three reporting agencies and agree to close this account and not sell it to any other collectors.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : Credit Management Lp Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX.
Midland Credit Management Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX XXXX.
*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
|
| 11/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company, Midland Credit Management, started calling me on my cell phone XXXX starting on XX/XX/2019. They called XXXX XXXX and XXXX XXXX that day. They called twice on XX/XX/XXXX, once on XX/XX/XXXX. They kept calling me 2 or 3 days a week.
On Sunday, XX/XX/2019, I told the male collector not to call me any more.
The problems with them have been two, and I think they have violated Federal law.
ONE. I did not receive from Midland any written notice at all within 5 days after they called me on XX/XX/XXXX.
I did receive a notice from them dated XX/XX/2019 ( enclosed ) which does NOT say anything about my right to request verification of the debt within 30 days.
There are possibly two violations of law here. One, I did not receive written notice from them by XX/XX/XXXX ( 5 days ) and two, the notice I received from them that they mailed to me on XX/XX/2019 does NOT have any written notice that I had the right to receive verification of any debt from them within 30 days.
TWO. During many or all of the calls I received from them, the Midland collector did not mention to me that I had the right, within 30 days to request and receive verification of the debt from Midland. Not once did the collectors mention that to me. Typically, when they called, they would ask if this is XXXX XXXX, am I XXXX XXXX, that this was an attempt by a debt collector to obtain information to collect a debt. I do not ever remember that the collectors told me that I had the right to request verification of the debt from them within 30 days. I think that might be a violation of law.
I did not make any recordings of the calls they made to me.
I believe that part ONE of my complaint is that they failed to send a Written Debt Validation Notice to me within five days of the collector 's initial communication. They must send me a notice that includes the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) What I can see on the XX/XX/XXXX letter is the amount of the debt, the name of the creditor, but there is no mention about my right to dispute the debt within 30 days on page 1 or page 2 of this letter.
On the XX/XX/XXXX letter, which I received on XX/XX/XXXX, there is a mention on page 1 of : " You may request the following information by writing us at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX and the same will be provided to you at no cost within 30 days of receipt of your written request '' But this notice was received by me on XX/XX/XXXX, a full 49 days after their initial phone call to me on XX/XX/XXXX.
I am mailing in a debt verification letter to Midland Credit Management on Monday, XX/XX/XXXX.
I have screen shots of my phone which shows all the times that Midland called me, from XX/XX/XXXX to XX/XX/XXXX.
|
| 07/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XX/XX/XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account.
Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result.
Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ).
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well.
Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report..
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX MCM account Number : XXXX Current Owner : Midland Funding LLC If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have Midland Funding LLC, XXXX XXXX, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ).
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
|
| 06/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I am currently disputing this account and transunion recently completed their investigation and deleted it of my report. I am waiting for XXXX and XXXX to finish their reinvestigation because the balance is incorrect. It has been deleted on all XXXX of my reports but XXXX and XXXX are not done with their investigation.
Here is the full story : This collection agency company is very unprofessional and are scammers. They bought my old XXXX retail account when my account was closed because i was unemployed. My XXXX account was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. My credit limit was {$2700.00} dollars and my ending balance was {$2400.00} dollars. My last payment date through XXXX was in the amount of {$20.00} dollars on XXXX XXXX, XXXX. Midland bought this account XXXX XXXX and first reported it to the credit bureaus on XX/XX/XXXX. I received couple of calls from midland around XX/XX/XXXX when they purchased it informing me that they are now the new owners of this account and to set up a payment plan to prevent them from reporting it on my credit report but i couldnt do it because i was still unemployed. The charge off amount was {$2400.00} dollars. Fast forward to XXXX XXXX when i contacted Midland funding to try and settle this account and things became a nightmare. I asked them if i could pay the entire debt amount in exchange for a deletion and was informed that they do not do that which was find. At first, they offered me XXXX % and when i called for payment couple of days later i was told that the offer no longer existed and i must pay the full amount or set up payment to prevent a lawsuit. I asked them to send me a debt validation letter since I had moved out and have not received any letters from them. When I received the letter, it was very brief and they increased my balance up to {$2800.00} dollars. On the same letter which i still have, Midland funding stated that they have not charged me any interest since the charge off which is strange given the fact that the charge off amount was XXXX dollars. On the next couple of days, whenever i called I always speak to a different representative who tells me a different story. They would tell me how they have a offer for that day only and to make a payment and when i asked for a mail stating the new terms before i can make any payments, they become rude. I disputed the balance through their consumer department and when i spoke to someone in that department, she actually asked me to tell her my original balance. In other words, they illegally increased my balance and have no record of my original data. I have no problem paying for what i owned but i have a problem with how Midland funding is so dishonest and unprofessional. Their representatives need more training when it comes to dealing with the public.
|
| 04/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2018 I was contacted by XXXX XXXX XXXX, I spoke with XXXX about account number XXXX. I explained I was not working and was requesting a verification of this debit via my mailing address. XXXX told me I assure you that we don't mark up our debit, I asked again to get a verification breakdown of the original debit and how much it was bought for, again XXXX said he couldn't do that. I asked to speak to a supervisor and he transferred me over to his boss. I explained to him that I was not working and looking for a breakdown of how much it was bought for as well as the cost it was bought for by midland. The supervisor stated that couldn't be done since they were a third party collection. I proceed to let them know I would be disputing this account with XXXX. After speaking with XXXX I was notified that they couldn't find anything on my credit report and original account was made a XXXX dollar balance and sold for pennies on the dollar. I asked them why then I would be getting a pre legal notice and I was informed that It was a scare tactic or threat to get me to pay it. So I called midland back at the XXXX number, I referenced account # XXXX. I spoke with what I guess would be called a general phone dispatch. I asked to speak with dispute department in the Consumer Support Services department, He said I am not sure what you are referring to. Again I said I want to dispute this bill until I get verification on it. He transferred me to XXXX again who I told me I was willing to settle today for XXXX XXXX since XXXX told me the original amount was XXXX out and bought for pennies on the dollar, as well as a Verification and breakdown of the debit for how much it was bought for and to send verification to my mailing address. He transferred me to his boss who I previously spoke to. I once again explained to him that I wanted verification in writing sent to me and that I am entitled to that, if not provided with that I would be filing a complaint. I also offered to settle for XXXX XXXX with the information that XXXX had to passed on to me, asked why it was a pre legal notification if it has not hit my credit report yet. The boss stated that's why it's pre legal so we can settle, I offered to settle for XXXX XXXX XXXX that I had in my pocket after explaining to him I was no longer working. I asked once again for a verification of this debit. I was told no so he asked if I wanted to hear my settlement options I said no I want verification and to dispute this. To contact them I have to call XXXX they are based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, however they call me from a Arizona number of XXXX. So like I have stated I wanted a breakdown of the whole debit I much the original debit was bought for in a verification letter of the debit sent to my mailing address.
|
| 07/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Midland credit management has constantly been calling me sending me letters threatening to take me to court if I did not pay this credit card debt. They did actually send me a judgment. My court date is XX/XX/XXXX. I called them on XX/XX/21 at XXXX XXXX. to try and resolve this issue. They said I owed {$1700.00}. I can make a {$210.00} Payment right now and make a {$100.00} every month to pay it off. I asked them if they could lower the XXXX so I could pay it off sooner. They kept saying they couldn't do that. Then came up with an amount of {$1300.00} if I paid it all right now. I explained that people have been out of work thru covid. People haven't been able to pay any bills. Not many people have that much money anymore. I told him I could pay {$210.00} today and make a {$150.00} payments every month until this is paid off the XXXX. XXXX is who I spoke with said no they couldn't do that they have to have {$1700.00}. I didn't understand why they could lessen it down to XXXX. XXXX kept telling me they couldn't let me pay {$1300.00} I had to pay {$1700.00}. The only way I could pay {$1300.00} is if I paid it all in full which of course I can not do. There is really no different in me making payments on {$1300.00} rather than {$1700.00} if I'm trying to pay it. He asked me if I got a covid check. I said yes. I had to pay my other bills with that money and get my bills caught up which is really none of his business. There are people out here that have lost their homes and everything else because of this covid. it has been a very hard year. At least I am trying to pay it. I don't understand why he can't take {$200.00} payment and then a {$150.00} every month until {$1300.00} is paid off. Instead he wants me to pay the {$1700.00} and take me to court. I have tried to work with them and I just do not think it's fair that they XXXX the price up but lower it. That to me is a scam and it just tells me that they can work with me a little bit more. Not everyone has that kind of money. I had to go in debt because 1 the covid and 2 my son who has XXXX has a XXXX XXXX and has needed a lot of help. It is very hard to deal with a son that has XXXX XXXX XXXX and it's been very difficult for myself. My son has been in several hospitals for this XXXX and it's very stressful. At least I was willing to pay payments on this and pay it off the {$1300.00}. It looks to me like if I'm willing to pay it. they would take what they could get Instead of taking me to court. I was willing to work with them. But they kept telling me they couldn't take any less than {$1700.00} but then turned around and told me that if I paid {$1300.00} they could take that in full. In that case they could let me pay {$1300.00} in payments. that is fare. That's all I can do at this point I do not have that much money.
|
| 02/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX : I was contacted for the first time regarding this debt. According to XXXX XXXX ( XXXX XXXX ), I owe {$610.00} for an account that was opened in XX/XX/XXXX. I informed XXXX XXXX that I did not have an opened XXXX account and I never shopped at Backcountry nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested XXXX to run an investigation.
I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation.
On XX/XX/XXXX, XXXX XXXX sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions.
I waited 90 days, recontacted XXXX XXXX to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud.
On XX/XX/XXXX, ( The first time contacted ) Midland Credit Management sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ).
On XX/XX/XXXX, I contacted Midland Credit Mgmt to inform them that this account was found fraudulent and closed by XXXX XXXX. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department.
I requested contact information on the account, most of the information was correct, I informed him that XXXX requested correction to the account information so they could run an accurate investigation.
XXXX ( investigation dept ) listened to me reading the letter of XXXX investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over XXXX or XXXX, he was a little confusing to talk to. Once again XXXX stated they need to run investigation.
At this present time, I am waiting for Midland investigation findings, I do not know why another investigation needs to be performed when the original creditor ( XXXX XXXX ) already found the account to be fraudulent, clear of debt, and closed.
I am attaching the XXXX fraudulent findings letter and Midland Credit Mgmt letter.
Thank you for any assistance you can provided to solve this matter.
|
| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX, I received a notice from Midland Credit management with three lawyer names, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I called the number on the letter with the 3 lawyer names and got an account manager that was handling the debt. It was not any of the 3 lawyers listed on the letter. They would not transfer me to any of the lawyers on the letter either. I told them that I knew nothing about this debt as it was never reported on my credit report. I refinanced my house in XXXX and the loan officer pulled my credit to show me all the debt that I was going to pay off with the refinance. All checks were mailed out by the loan company to pay the debts directly from them. All remaining money was sent to me after the debts were paid off. This debt was never reported and I never received any notifications that MCM owned the debt. I have lived in my home since 2014 which gives them more than enough time to find me and they could have reported this on my credit report to show I had a negative debt against me. It would have been paid through my refinance. I called MCM and they told me to call the courts to get any information I needed about the debt since the judgement was sent to them. MCM could not answer any of my question about the debt or why they were not reporting it, or why they did not send me a letter saying they owned the debt and were trying to collect it. For some reason, they decided to send a letter to my old job to garnish my wages. It was denied since I did not work there. Then on XX/XX/XXXX, I got an email from my payroll because they were sent a letter to garnish my wages. I immediately paid the whole debt off even though I was trying to dispute because I do not know anything about it but I did not want to get garnished. It has been close to a month, I paid the debt, and they still took a payment from my check on the XX/XX/XXXX and on the XX/XX/XXXX. I tried to call them to find out why, and they could not give me any information. They just said the process has to complete and they have no control over the process. They could not tell me how long it would take to complete, if or when I would get my over payment money back which equals XXXX. That is two payments of XXXX. My payroll department still has not been notified that the debt is paid in full and I am still at risk of losing another XXXX for the next 2 paychecks and I do not know when I will get this money back because they will not tell me. This has been a strain on my living losing out on XXXX in a span of 2 paychecks with everything that is going on and with having to pay a debt that they will not prove I owe, did not contact me when I could have worked something out with them if they proved it to me, and forcing me to pay in full in the amount of XXXX even though I feel I do not owe it.
|
| 11/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
1. I attest that I am XXXX XXXX writing this alone from research I have done online.
2. This complaint is based on METRO2, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX, XXXX, and XXXX are reporting harmful information supplied by XXXX XXXX.
3. XXXX XXXX is a debt collector by file standards. Laws prohibit DC 's to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual.
4. Metro2 file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or IUnpaid Collection pay status.
Account Type Codes 48 Collection Agency/Attorney 77 Returned Check 0C Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. Thus I have been denied credit several times and the creditor attributes this Debt Collection Account from Midland as being recently past due, however past due is reserved for credit grantors.
6. In XXXX Credit Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. Also other irregularities are " Terms 1 month '' and A payment account history from XXXX XXXX with high balances reported, scheduled payments reported, with fictitious balances. A copy of these irregularities is attched, XXXX Report number XXXX, pulled XX/XX/XXXX.
7. In XXXX Credit Report, XXXX XXXX reports as an " Other '' account instead of the designated Collection Account, and can not according to Metro2 - as this data is not expected to be sent by a debt collector on this industry standard file. Which leads to other irregularities on file from misreporting such as a debt to credit ratio of 100 %, Midland is not a creditor. Also reports as a Loan, and as Retial Creditor classification, and reports an amount Past due. All of this reporting is not to industry standards and has negatively affected my credit and ability to seek credit. This is from XXXX Report # XXXX Date XX/XX/XXXX 8. In XXXX Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. This debt collector continually reports to XXXX " Opening '' the account and closing the account for past several months since I started disputing this information.
The following : INFORMATION ONLY FROM METRO2 -- -. The following fields are not applicable and may be blank- or zero-filled : Credit Limit Terms Frequency Scheduled Monthly Payment Amount Payment Rating Original Charge-off Amount To be brief this is only the beginning of my complaints against this debt collector.
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a Summons/Complaint from Midland Credit Management dated XX/XX/XXXX. Received no prior documentation/never heard of this company prior to getting this so was not able to properly verify/validate the debt. There was also no supporting XXXX documentation attached to this summons/complaint proving their ownership and accurate balance, so was unable to properly decide what to do. Summons says {$1600.00}.
Since there was no previous communication from Midland, went and pulled credit reports and found discrepancies reported on the balance due/past due balance and also dates of last active between the 3 bureaus, as well as the original creditor still being listed as the owner of the account, all of which are currently in dispute with the bureaus.
Submitted a generic answer to the complaint XXXX XX/XX/XXXX XXXX stating there was not enough information to either admit or deny their claims, and included counterclaims for FCRA/FDCPA violations.
On XX/XX/XXXX XXXX XXXX XXXX XXXX law firm suing ) then sent only 12 months of statements from XX/XX/XXXX to XX/XX/XXXX when they state the account was opened in XXXX XXXX many were duplicates XXXX. The information on these statements directly contradicts the information being reported on the credit reports.
Then sent letter back to them on XX/XX/XXXX telling them this partial list of statements was insufficient to prove their claims and asked how they were able to properly verify this information with so little documentation prior to suing? Also mentioned their responsibilities per the XXXX CFPB consent order and subsequent lawsuit in XXXX XXXX due to these business practices, and demanded that they dismiss their lawsuit since they still up until the date of this complaint have yet to file anything with the court.
Then XXXX XXXX sent another letter on XX/XX/XXXX with a " settlement offer '' still without providing the required XXXX documents that were requested. Refuse to even consider/discuss settlement until this documentation is provided.
On XX/XX/XXXX received a " discovery plan '' that is due within 14 days, still with nothing filed with the court.
Received an answer to counterclaims on XX/XX/XXXX denying all of the counterclaims.
This law firm XXXX and Midland are continuing to harass/intimidate and litigate this outside of the court room. Even though the written disclosures were not provided stating they will provide this XXXX documentation within 30 days, have requested this information multiple times from law firm XXXX and they continue to disregard this important request for documentation.
Law firm XXXX are also aware that this is clearly in dispute with both Midland and the bureaus, and continue to disregard this information as well, and are continuing with a " lawsuit '' and collection efforts.
|
| 04/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay XXXX XXXX. XXXX XXXX also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and XXXX XXXX and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, XXXX XXXX did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and XXXX XXXX. I disputed the alleged debt in XXXX XXXX, however XXXX XXXX continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices. XXXX XXXX failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4. Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph
|
| 11/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Issues with Midland Credit Management : 1. They call when told not to during work hours - repeatedly.
2. Call several times a day and every day.
Wife 's phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX My phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX Total for 4 days : 24 phone calls 3. They left intimidating / harassing voicemail. Attached the voicemail to this complaint.
4. Sometimes when they call, they call with their phone number blocked - verified in person.
5. They lied about my wife 's financial situation - they told me that she only had this one bill that was in collections, that I should help her out when it reality she already had one in collection, this is her second one, that they had looked at her credit report.
Midland Credit Management called on XXXX XX/XX/2019 on my XXXX year old daughter 's phone line with their number blocked. So I gave them my number and told them not to call my daughter 's line since she is a minor under the age of 13.
On XXXX XX/XX/2019 spoke for 23 minutes to first a woman, then a guy, the guy wanted me to assume my wife 's debt, I told them that it was my wife 's debt, and that I wasn't going to assume her debt but that I would check into it and not to call back, that I would contact them once I found out what is going on ( I wasn't aware of this situation with my wife ). He got really pushy in general, and said that they might sue my wife, etc and I told him again not to contact me or my wife any more and he said that I couldn't tell him not to contact my wife, and that that he could contact my wife - yet my wife 's phone is on my phone plan so it technically it is my phone line since she doesn't have her own.
They have been calling my wife as work, she told them the first time on XXXX XX/XX/2019 that she couldn't take calls at work, and they called her again ( with the number blocked ) on XXXX XX/XX/2019 and she answered it, and told them again that her place of employment does not allow personal phone calls during work hours. Again today they called my wife at work with their number not blocked and she didn't answer it. Midland Credit Management has been harassing my wife at her place of business when they know she can't be on the phone during her work hours.
Midland Credit Management also has been calling my phone number, up to 4 times a day even though it isn't my debt, but my wife 's debt. Also they left a voicemail with basically a heavy breath which is harassment ( I still have that on my voicemail ). They have called me 12 times in the last 4 days.
Midland Credit Management has not provided any correspondence via USPS mail validating the debt, the first contact with them was the phone call on XXXX XX/XX/2019.
|
| 03/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Late one night about six years ago, we rushed our XXXX cat to XXXX XXXX XXXX XXXX in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a XXXX application under our noses, which we signed under duress.
XXXX, also known as XXXX XXXX, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. XXXX has been investigated by the New York State Attorney General and in XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago.
They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX XXXX but insisted he could " catch it '' by putting the cat under general XXXX and removing part of his XXXX. He brushed aside our concerns about performing that operation on such an elderly cat.
Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX tabby is about {$3.00}.
Nevertheless, we attempted to pay off the debt. Around XXXX I was having difficulty making the payments and called XXXX to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to Midland Funding, LLC a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt.
Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " XXXX XXXX'.
This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation.
We have a court date set for XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.
|
| 07/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I have received a letter of " Notice Of Court Proceeding To Collect Debt '' from someone representing themselves as Asset Acceptance, LLC XXXX XXXX XXXX XXXX , MI XXXX and no phone number. The address search results in Midland Credit Management Inc. and lists XXXX XXXX XXXX as a lawyer with the phone number XXXX . The letter states that I have fifteen days to do one of three things, otherwise failure to do so will result in garnishment of my wages. 1 ) Pay to us the amount due 2 ) Complete section of form entitled " Payment to Avoid Garnishment '' and 3 ) Contact my local municipal or county court or if I 'm not an Ohio resident then contact a municipal or county court where my employer is located to set up a trustee to receive garnishment. The letter additionally adds that I have the right to contact a budget and debt relief counselor but there may not be enough time to avoid garnishment. I did have a court judgment from Asset Acceptance in XX/XX/XXXX and I fully paid off the debt in XXXX . In fact, my records show that I overpaid them. There were a couple scam things they did and I was foolish enough at the time to believe them which created the overpayment. I have heard nothing from Asset Acceptance for years. They were calling and harassing me for payment for a long time after the account was paid off. They sent statements that had incorrect amounts. One statement dat ed XX/XX/XXXX shows a n incorrect balance of {$1200.00} and another statement date d XX/XX/XXXX shows n incorrect balance of {$7100.00}. I have another statement dated XX/XX/XXXX that states my account was transferred to a law firm XXXX XXXX XXXX XXXX XXXX XXXX . These were all for the same account number. On XX/XX/XXXX I received a call from XXXX XXXX ( XXXX XXXX ) stating that he wanted to reduce my payments and insisted that he would cancel the current withdrawal from my bank and begin the lesser payment amount. This was untrue as both payments were attempted to be withdrawn from my bank account. Finally during one call from them I spoke to a supervisor and explained the account was not only paid off, it was overpaid and they owed me money. I also told him it was illegal for them to call and harass me about such an old debt. I have all bank statements that show the payments and after looking through them again I realized that they continued to charge interest after the court ordered them not to. What can I do to put an end to this harassment? This has created an amazing amount of anxiety for both my wife and myself. If they contact my employer for garnishment, I will be terminated. My employer has strict rules about garnishment as I work at a XXXX XXXX XXXX location.
The debt amount they show on the letter is {$540.00}.
|
| 08/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect.
Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium.
I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above.
It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.
I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company.
I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts.
Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings.
Thank you for your prompt attention.
|
| 07/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On multiple occasions since XXXX/XXXX/19, I have received phone calls from Midland Credit Management. From what I can see from my call history, I receive multiple calls a day. On Monday XXXX/XXXX/19, I took a call from them and informed the caller that Monday thru Friday between the hours of XXXX that I am unable to accept calls due to being at work. I repeatedly told the caller that I could not talk during this time. She implied I was avoiding resolution, and practically insisted I talk with her right then. The caller was badgering me about talking about the case after I clearly stated I was not able to. I stated I could not talk about it and the caller asked me what time she could call. She asked if XXXX was acceptable. I agreed. She never called that evening or since then, only during business hours. I do not recall if they called again on Tuesday XXXX/XXXX/19 or Wednesday XXXX/XXXX/19 or not, but she did call me again on Thursday XXXX/XXXX/19, and was again informed that she had been told I can not talk. She told me that I " give her that excuse every time '' and I replied that it was " because she calls me every time during the times I am not available. '' Again became abusive with her language ( no vulgarity ) and would not accept my answer. On Friday XXXX/XXXX/19, I AGAIN received a call from the same individual who began the conversation with " Are you at work? '' To which I replied, " Well, what time is it? '' She would not accept my answer of not talking about it, I reminded her that I am at work Monday through Friday XXXX and if she is calling at XXXX and it is Friday, then no, I was not talking. She again tried to get me to resolve this confidential matter while I am at work. At some point in the conversation, another individual came on the phone ( a male this time ) and I informed him of all of the above. I also told them at that point that because they continued to harass me during business hours after giving them an acceptable time frame that I would file a complaint against them for harassment and hung up. I am not interested in disputing the validity of the charges. They are mine and valid. However, I will not discuss personal business matters on the phone while I am at work and have repeatedly informed this individual of my availability to discuss, and they refuse to respect that and become abusive and hostile when I tell them so. I have witnesses of these actions as well. Abusive tactics and hostile language and continuing to call multiple times in a day and during times I have clearly stated on multiple occasions are not acceptable is a clear violation. At this time I am having a financial hardship and can not afford any more payments. This hardship is not what caused me to default on the balance- that is a whole different story.
|
| 07/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent Midland Funding a certified letter disputing an account on my credit report XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX They did not respond to it. Therefore I sent them a second letter XX/XX/XXXX which they signed forXX/XX/XXXXat XXXX XXXX Thus making it two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by Midland Funding. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have refused and failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$1300.00} per their letter dated XX/XX/XXXX. My credit reports from all three credit bureaus show an amount of {$1300.00} listed under Midland Funding and or Midland Credit Management Inc. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the XXXX with the required disclosure, within the period required by law. Midland Funding is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period. Midland Funding is liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and your company is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the accountMIDLAND CRED XXXX for inaccuracy, because this account doesnt belong to me, the creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. The date of the last payment reported is inaccurate and missing. I never had an account with MIDLAND CREDIT MANAGEMENT and you are in violation of my rights. I received notice from XXXX that they had deleted this same information. XXXX is inconsistently reporting this inaccurate information I am now requesting that you delete and stop reporting this inaccurate information on my consumer report because you are violating my rights. Delete this account immediately. MIDLAND CREDIT MANAGEMENT has violated my rights numerous times.
15 U.S.C. 1681 section 602 A. states I have the right to privacy.
15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.
15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.
15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.
15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
|
| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring.
The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX XXXX account. However a second complaint will be filed with regards to my other account with them.
In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages.
Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt Midland Funding bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the XXXX Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment.
However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a penny out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see.
I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
|
| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
What happened?
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the XXXX, XXXX, and XXXX toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
|
| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XX/XX/2018 XXXX. XXXX XXXX XXXX FL XXXX Please be aware that you have listed an account on my credit report that I am unaware of. Did investigation on this account and realized that this has nothing to do with me. With that being that I have filed a police report, a complaint with the FTC, and I have filed a lawsuit yesterday morning at the XXXX XXXX County Courthouse because you have violated my rights in several ways pertaining to the FCRA sections 609, 610, 611 615B and many more. I know my rights so I have decided to take legal actions towards your company and Im sure youll receive documents for the up coming hearing dated in May. I have contacted you before this time and I realized that you continue to leave the account on my credit file for months falsely verifiying without 100 percent correctly using legal verification methods.
I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for original proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 3 business days to provide strict original proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to another collection agency or an attorney without providing original proof of contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. I am warning you that this is my final good will letter to inform you that this dispute is an internal dispute and I am sending this as an affidavit as well.
Sincerely XXXX XXXX
|
| 11/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was initially contacted, rather served with a notice to appear for pretrial conference on XX/XX/2021, served on date of XX/XX/2021, where I was living at the time. I immediately call the company to seek further information and sort this out as this is a surprise to me and originally what appears to be a billing error by card issuer and I was not aware who this company ( Midland Credit Management ) is or was at the time as I never contracted with them, ever. I mailed out a offer to perform upon on the validation of the alleged debt. Sent via certified USPS on XX/XX/2021 in which they received on XXXX XXXX, in which I have yet to receive a response to this date as I am writing this complaint. Fast forward to the pretrial date of XXXX XXXX, I arrived 15-10 minutes earlier, at the time for the pre-trial conference, I enter the court to what was an empty court room, for the bailiff to come out and say that the Judge said that there would be no pre-trial today and I can go home ( needless to say an entire work day wasted ), to wait that I would receive correspondence to appear for trial. a week later, I received a notice to appear on a XXXX meeting for mediation dated for XX/XX/2021. No additional information provided. Fast forward to XX/XX/2021 approximately at XXXXXXXX XXXX I log in to my XXXX app and enter the meeting details and another persons information pops up, I was not allowed into the meeting by XXXX XXXX, and I found it awkward that someone else 's information was on there. I exit out, called the number on the notice and no answer. I left a voicemail but never received a call back. Today, I log into the county records page and see that a mediation report was submitted and states that I was not present for pretrial. I have mailed and requested a full and thorough validation of the alleged debt and Midland Credit Management has not responded to any requests. This is abuse and needles to say these tactics are unconstitutional and seems like the law is on their side and for their favor when the law is to protect us, we, the people. This type of mental manipulation is a violation of my rights and this company needs to respond for their damages they have caused and reprimanded for their unfair practices. I have sent 3 requests to Midland Credit Management and to their collections LAW FIRM XXXX, XXXX, XXXX, XXXX and they have yet to produce any instruments validating the alleged debt, balance, and consumer information. I attached a notarized Affidavit of Truth with my statement and the request to produce mailed on XX/XX/2021 via certified USPS mail. Midland Credit Management and XXXX XXXX collections law firm are in violations of my rights and colorful laws, as well as manipulating the outcome of the situation in their favor.
|
| 05/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Theres a collection account that isnt mine reporting to my credit report from Midland Funding , LLC, a company owned by Encore Capital Group. The open balance says : {$1000.00}. Original creditor listed : 01 XXXX XXXX.
I sent a validation letter to Midland Funding LLC. It was received by them on : XX/XX/XXXX ( view evidence ). As of XX/XX/XXXX my alleged debt to Midland Funding still has not been properly validated. This is my right granted under the Fair Debt Collection Practices ACT ( FDCPA ). They continue to report an unvalidated account on my credit report. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt.
I filed disputes with the credit bureaus. Midland Funding LLC reported they have investigated & validated the debt. Yet they have not been able to provide me with a true copy contract or other instrument bearing my signature to validate debt. Every attempt I have made to obtain the requested documents have failed.
Theres no validation. This has to be deleted. All references to this account must be deleted & completely removed from my credit report. A copy of such deletion ( to all : XXXX, XXXX, & XXXX ) requests shall be sent to me immediately.
-- -- -- -- -- -- -- -- -- -- -- -- - In addition, Midland Funding LLC has had action & lawsuits taken against them for using deceptive tactics to collect bad debts : Midland Funding LLC had a judgement against them VS State of Texas for not acquiring consumer agreements and not providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement. This is against my federal rights to have incorrect unvalidated accounts reporting on my credit report.
Midland Funding, LLC are facing a lawsuit out of Florida federal court that claims the companies used deceptive, misleading and unfair debt collection practices when trying to collect on a woman 's time-barred debt.
Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states. Encore Capital Group , Inc. and Midland Funding , LLC, resolved a probe that alleged the companies collected money without verifying the money was actually owed. Reached settlement with 41 states The CFPB found that Encore attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies didnt have the intent to prove many of the debts ( XXXX XXXX. XXXX ).
Their illegal actions have caused consumer 's credit files to be tainted with negative remarks, including myself.
|
| 03/15/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
In XX/XX/XXXX XX/XX/XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from Midland Credit Management. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love XXXX out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by midland credit management business practices says it 's verified, but no evidence was ever or has ever been given. LOVE XXXX CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
|
| 05/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Complaint to Midland Funding, LLC and subsidiaries Complaint to Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I have explain several times to company, about account ID Theft, I denied account not mines company continues molesting me and forcing me to account that Is not mines Company list account transaction, thats no proof, they are using my social security number in letters company sends to me, in the event letter ends in other hands due to Midland Funding LLC and subsidiaries I will have another ID Theft issue due to them someone got my private information that is what happen, company is cooperating that my private information leaks and they will be responsible, they are informed.
I denied account, MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) Find enclose XXXX XXXX XXXX XXXX Account number XXXX Original account number XXXX ID Theft report was filed an sent to your company, your company continues harassing and causing me damages in addition to court matter.
On letter dated XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX, Refering to MCM no. XXXX which belongs to account ending in XXXX ) and other account XXXX. .find attached letter Additionally, we have made the business decision to close the account, There will be no further collection activity or sale of this account Both accounts mentioned on your letter MCM Account number XXXX original account number XXXX And account XXXX.
Send me a confirmation letter as for each of the accounts 1- MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) and for account XXXX.
There will be no further collection activity or sale of this account, Please dont XXXX me anymore in Court or any other means, I DENIED ACCOUNT XXXX, Account not mines and account XXXX.
I sent letter on XX/XX/2022 XXXXTo Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX AS of todays date XX/XX/2022 you have ignore my correspondence to delay matter purposely and cause me more problems .find attached letter Im requesting your company to withdraw case from XXXX XXXX XXXX XXXX court case number XXXX, Within XXXX business days from this complaint You have been also sued by Consumer Financial Protection Bureau on XXXX for violations an ill-gotten gains. find enclose page Your corporation has continue molesting me and picking on me I denied accounts, ID Theft report Issue, stop the collection of both accounts, Midland Credit Management MCM Account number XXXX Original account number XXXX and account XXXX.
Please I request to have this case completely withdrawn as ASPA I want this complaint to be publish for consumer safety Thank you XXXX XXXX
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 Pursuant to 15 USC Section 809 ( B ) I'm putting you Midland Credit Management on notice that your claim is disputed and validation of the furnished account I received in the mail. The letter is dated XX/XX/2023.
Midland Credit Management has not supplied proof under the doctrine of estoppel by slience, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
I have a right to this information, as it's directly associated with the mail I receive and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector.
* Chain of Title Proof that you are a licensed debt collector to collect in my state.
* A requested copy of your State Department of Commerce and Insurance Certificate.
* A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting.
And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account?
2. What are the terms of the transfer of rights regarding this alleged account?
XXXX. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature?
XXXX. Did you purchase this alleged account from the alleged original creditor?
XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount?
This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ).
Failure to stop contacting me through the mail in 15 days as requested will result in legal matters being taken and me turning you Midland into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply.
In Good Faith Without Prejudice By : XXXX XXXX XXXX
|
| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX I disputed this account XXXX XXXX XXXX XXXX XXXX XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a XXXX XXXX, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the XXXX bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from XXXX stating if the CHARGE OFF was final or not.
Not only that, but I found out recently that there's another account -> MIDLAND FUNDING Account number [ XXXX ] who supposedly bought the debt from CXXXX XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts.
Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate.
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus.
Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem.
I'm requesting monetary relief and deletion at this point, because I've tried all I could.
I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by XXXX nor MIDLAND FUNDING.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX original complaint. With all the companies responses.
Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance.
I was. Notified today that you flagged me for non payment on all XXXX credit bureaus.
You also stated you would stop debt collection for 90 days in the same prior communication they cfpb.
Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days.
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated.
I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing.
You have violated my right to freedom of speech.
Your company has violated my rights multiple times.
If I filed a complaint originally it was because you were breaking the law.
Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place.
So I went to court. Your representative did not show up.
The judge waited for hours. They still did not show up.
I was told the case was closed.
Today I am notified that you violated my credit. AGAIN.
what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint?
You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it.
You can not force me to remove a complaint against you or your company.
Then you no showed for court. I told the judge what you did.
So please.
If you would like to push this matter further. I would be glad to find a very over zealous attorney.
This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you.
You refused to settle.
Because of complaints I filed.
You didn't show up to court.
And the you violated my 90 days of covid consumer protection.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, Midland Credit Management, XXXX XXXX ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, Midland Credit Management, XXXX XXXX ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, Midland Credit Management, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, Midland Credit Management, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( XXXX ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to file a complaint against Midland Credit Management , Inc. for their unlawful and unethical debt collection practices. despite repeated requests for verification and proof of the alleged debt, Midland Credit Management , Inc. has failed to provide any documentation to support their claim. They have continued to harass me with collection calls and letters, despite my clear requests to cease all communication until they can provide proof of the debt.
Furthermore, I did not give consent for Midland Credit Management, Inc.to put any times on my consumer reports. Yet, they have continued to report inaccurate information on my consumer report, which has negatively impacted my credit score and financial well-being. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) sections
1681d and 1681n. In addition to violating the FCRA, Midland Credit Management , Inc. has also violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692c ( a ) ( 1 ) by continuing to call and send letters despite my request for them to stop. They have also violated 15 USC 1692e ( 2 ) ( A ) by providing false and misleading information about the debt, and 15 USC 1692j ( a ) by failing to provide me with verification of the debt.
Midland has also violated 15 USC 1692d ( 2 ) by engaging in harassing and abusive debt collection practices. their behavior has caused me significant distress, and I believe that their actions are unacceptable and illegal.
Finally, I would like to bring to your attention that Midland Credit Management , Inc. is also violation the Collection Agency Act ( 205 ILCS 740/ ). Their continued collection of an unverified debt is a direct violation of this act.
What's more, the company is showing my report as open with XXXX consumer report agency and closed with another. this inaccurate information is causing additional harm to my consumer report and financial standing.
I have made numerous attempts to resolve this matter with Midland Credit Management , Inc., but they have refused to comply with my requests and continue to engage in unlawful and unethical debt collection practices. As a result, I am now left with no other option but to pursue legal action against them.
I request that the Consumer Financial protection Bureau investigate this matter and take appropriate action to address these violations. I also request that Midland Credit Management XXXX Inc. be held accountable for their actions and that they be required to provide me with the verification and documentation necessary to support their claim. I further request that they correct any inaccurate information that they have reported to any and all consumer reporting agencies.
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
this complaint is on debt buyer Midland Credit Management and there inaccurate and inconsistent reporting with the three consumer reporting agencies XXXX XXXX and XXXX. I've sent letters in to all 3 bureaus on two occasions. my first letter dated XX/XX/XXXX I asked to ensure all information was reporting accurately. my second letter dated XX/XX/XXXX XXXX it is now XX/XX/XXXX and I noticed that this agency is still reporting on my consumer report but with inaccurate and inconsistent information.
one main violation this debt buyer is responsible for is that this debt buyer is reporting 3 different running of reporting periods manipulating the the statute of limitations on this account. XXXX estimated month and year this item will be removed is XX/XX/XXXX. XXXX on record until reports XX/XX/XXXX and XXXX date of 1st deliquency date reports XX/XX/XXXX making the running of reporting time to be XXXX XXXX so according to midland credit management the LEGAL estimated time frame to remove this account from all 3 agencies are 3 different dates? this is suppose to be one account. its impossible to have 3 different running of reporting periods. this tells me that midland does not have the correct information in there possession and there furnishing whatever they feel like to the consumer reporting agencies. well that's not how the FDCPA works nor the FCRA. according to my actual XXXX and XXXX reports this data furnisher has reported to both of them this month in XXXX. to my understanding once a data furnisher has modified information on a account then they must send carbon copies to all consumer repotting agencies on. a nationwide bases that maintains files under my name in order to notify them of the modifications to update there files in order to be in XXXX compliance that also falls under the FCRA regulations.. why is there incosistent information reporting. why does XXXX report a active payment history and a past due on this account? a collection account is not a tradeline. there was never no verbal or physical payment agreement or arrangement with this debt buyer and myself to prove that I owe them anything and I refuse to pay a debt that has not been properly validated. to my understanding a data furnisher is PROHIBITED to report INACCURATE information especially after they have knowledge of these errors being reported. as a matter a fact XXXX actually provided me results recently regarding to this debt buyer and they have updated information on XX/XX/XXXX so I know for a fact that this debt buyer is well knowledgeable of the inaccurate and inconsistent information reporting. I have also included more inconsistencies that this data furnisher is reporting to prove my claims in this letter.
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Midland Funding nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
|
| 07/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Asset Acceptance set forth a motion for a writ of garnishment on JXX/XX/XXXX, which I was not notified about. I discovered this levy on my bank account thanks to XXXX email notification on XXXX of XXXX, XXXX at approximately XXXX. According to XXXX, the hold is for {$6500.00}, yet the writ of garnishment specifies that the amount is {$3200.00}. In addition to not being properly notified by Asset Acceptance or that Asset Acceptance had employed Midland Credit Management to conduct their legal proceedings, both Asset Acceptance and Midland Credit Management did not notify me of intent to garnish wages, they claim I was served on XX/XX/XXXX, but I have no copy of aforementioned summoning. When I attempted to contact the attorney overseeing my case, Case # : XXXX at Midland Credit Management va phone ( XXXX ) on XX/XX/XXXX, a Midland Credit Management representative provided unusable and/or false email information for the attorney managing the writ of garnishment, XXXX XXXX XXXX, whom I emailed to no avail, because the message was undeliverable. Today, XX/XX/XXXX, I attempted to contact XXXX XXXX XXXX at Midland Credit Management va phone ( XXXX ), but was informed by a Midland Credit Management representative that XXXX XXXX XXXX was not representing Asset Acceptance in the aforementioned writ of garnishment ( Case # : XXXX ) despite her name being checked off as the attorney overseeing the case ( Case # : XXXX ). The Midland representative during this phone call, further instructed me that the new attorney in charge of my case ( Case # : XXXX ) was XXXX XXXX, but that shes wasnt in her office and I could leave a voicemail, which I did. I was never notified by Asset Acceptance or Midland Credit Management, in any capacity, that the attorney in charge of my case ( Case # : XXXX had been changed. I can not resolve my case ( Case # : XXXX ) if Asset Acceptance and Midland Credit Management continue to evade and misdirect my attempts at communication with the attorney in charge of my case ( Case # : XXXX ). Asset Acceptance and Midland Credit Management appear to be running down the clock on the writ of garnishment ( Case # : XXXX ), thereby disenfranchising me of my right to communicate with the attorney in charge of my case ( Case # : XXXX ) for a resolution. Ive specified in my emails for XXXX XXXX XXXX and XXXX XXXX, that the writ of garnishment ( Case # : XXXX ) is creating extreme financial hardship on my ability to simply exist, any and all expenses and bills are on hold, because I dont have the funds to even get a tank of gas. Im currently waiting for XXXX XXXX, the attorney with Midland Credit Management, who has assumed charge of my case ( XXXX ), to respond via phone or email.
|
| 04/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Midland Funding LLC apparently is a junk buyer of allegedly old or uncollected debt purchased from different creditors. They have been sending me bills periodically through the mail claiming that I owe the debt to them, even though I don't know who they are. They claim that they bought an old credit card account from XXXX XXXX XXXX with whom I once had a credit card account. I did not receive any notification from XXXX 's that my account had been sold, nor did I receive a letter from Midland with the appropriate written legal proof that the rights to collect on this debt, was now theirs. I have called Midland Funding LLC who refers me to another company called Midland Credit Management ( supposedly in XXXX XXXX ) who tell me that the only documentation they have is a few copies of my old credit card bills with XXXX 's XXXX. In my phone calls to Midland Credit I've asked for a copy of the assignment of XXXX 's rights to this credit card, over to Midland Funding LLC or Midland Credit Management. Their response to me is that all they have are documents ( copies of old bills dating back in 2013 ) showing up on their website under my name, and that should be enough proof. Clearly, that is not enough or adequate proof showing that they have any legal rights to collect money from me for this old XXXX 's credit card account. I have had several identify theft problems over the past several years and am getting tired of trying to rectify problems resulting from the identity theft problems. I've asked them to send me a letter stating that they will delete this entire derogatory credit line from all 3 credit bureaus against my name/social security #, but they want me to pay them first even though they refuse or can not provide proof that they have the right to collect on this XXXX 's acct. Today, via a phone call I asked to speak to one of their attorneys. They put me on hold at XXXX my time, and no one ever picked up again. The Midland Credit Mgmt and Midland Funding have a corporate address in XXXX XXXX, CA. I am in the same time zone as XXXX XXXX. The woman who put me on hold, told me that she thought that office had already left for the day and I wouldn't be able to speak to their attorney. I asked her if they normally work to XXXX, to which she answered " yes ''. I reminded her that it was only XXXX and they should still be at the office. That's when she said she would transfer me to their XXXX XXXX office, then she put me on hold. Before doing that, I asked for the corporate phone # in their XXXX XXXX office, and she told me that they don't have a direct phone #. I have also called XXXX 's XXXX and they say they have no record of the account nor to whom it was sold, if at all.
|
| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX and XXXX to delete this account from my credit file.
XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, Midland Credit Management reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account.
First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness.
I truly value my credit and manage it very well, so I find it appalling that XXXX XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that Midland Credit Management sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account.
Well why would Midland Credit Management proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent.
To date, this account has already been removed from XXXX and XXXX but not XXXX. I corresponded with XXXX directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from t
he two other major credit bureaus already. With all of that in min
d, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.
|
| 03/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Letter dated XX/XX/2019 from Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Attn : XXXX XXXX, Consumer Support Services The letter dated on XX/XX/2019 indicated that Midland Credit Management , Inc., ( MCM ) was sold the debt from XXXX XXXX, and would be collecting {$3600.00} on a so-called account that ended in XXXX addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX WI XXXX.
Following this letter, I received repeated phone calls from so-called representatives of MGM wanting to collect on this amount. I informed them that the account ending in XXXX was not a legitimate account associated with my name, and that there simply was no account or credit card number that I had ever possessed that ended in XXXX. I had requested multiple times for MCM to send documentation to prove that this account was associated to me, authorized by me, etc., and what this so-called debt consisted of pertaining to whatever items, dates of purchase, etc.
Despite these repeated requests, nothing was ever provided, and on one call with an account supervisor who inquired if I had been in Texas during the past two years, and finding out that I wasn't, he said it certainly appeared to be a part of fraudulent claims, and that he would clear up this matter on his end and send written confirmation that I was no longer liable for any of the so-called stated charges.
Following my documentation and sending MCM a letter to this effect, they said that they would review, but after a short period of time, sent a letter requesting that I submit to them a copy of a police report, notarized fraud affidavit, or a completed FTC fraud affidavit. The problem is, there is no evidence of identity theft or fraud that they provided, as no billing was ever sent and received by me regarding this amount, nor did I ever have an authorized account that ended in XXXX, so how could a claim be filed, except against MCM for attempting to collect on a debt not associated with me. Further, on XX/XX/2019, MCM sent a copy of a letter dated XX/XX/2019 from XXXX XXXX showing that the XXXX XXXX in question resided at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, and the letter to this XXXX XXXX was to inform him that this account was sold to MCM on XX/XX/2019, and that this XXXX XXXX should contact MCM at a XXXX XXXX address and phone number.
This obviously relates to another individual that may have the same first and last name. How this all then got referenced to me, who resides in XXXX XXXX, WI is such a flagrant and obvious notification that this does NOT pertain to me. What has MCM done ... contact every XXXX XXXX in the nation attempting collect for the XXXX XXXX that resided in XXXX, TX?
|
| 04/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT MCM # XXXX. I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT MCMC # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT use or to be in possesion of any of my identifying information. This is a Violation of THE GRAMM- LEECH- BLILEY ACT . They are harrasing me thru email, phone calls, and mail. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. This is there notice to cease and desist all illegal activity and communications .I am not requesting validation of any alleged debt as I KNOW NOW that by MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US MIDLAND CREDIT MANAGEMENT THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT MIDLAND CREDIT MANAGEMENT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND CREDIT MANAGEMENT NOR DESIRE TO. Section 807 ( 15 USC 1692e ) states that no deceptive or misleading practices nothing unfair from a debt collector is to be done. MIDLAND CREDIT MANAGEMENT SENDING LETTERS AND EMAILS IN BIG RED LETTERING HEAD STATING " PRE-LEGAL NOTIFICATION '' IS ILLEGAL AND THREATS TO SEND TO A LAWYER IS VIOLATION OF THE FDCPA .NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY IM NOW TO BE AWAREDED {$1000.00} PER VIOLATION AND MIDLAND CREDIT MANAGEMENT YOU HAVE VIOLATED ME THREE TIMES IN THE LATEST LETTER I RECIEVED ON XX/XX/23. I DEMAND NOW UNDER THE FDCPA YOU SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING {$3000.00} AND CEASE AND DESIST ALL THREATING COMMUNICATIONS WITH ME
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX I was served a summons from Midland Credit Management regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to Midland Credit Management on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ).
This is my second cease and desist letter to Midland Credit Management. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.
|
| 07/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX our Bank paid off our loan with a check for {$460.00}, the amount that we owed was {$410.00} on XX/XX/XXXX when I called. In XX/XX/XXXX, I called them again because we were waiting for the difference of the refund for {$45.00} and the letter of the cancelation. Then, the manager of the floor told me that we still owed {$23.00} for a check that was without founds in the last months that the system reflect on XX/XX/2020, so that the total amount that we owed now was {$23.00}, so they had not a payoff in the account.
I told him that even we called on XX/XX/XXXX to know the right amount, and now he said that we owed this {$23.00}, The {$460.00} check will be enough to pay it. Because even with this new amount for {$23.00} added to the {$410.00} the total new amount was for {$430.00}, so will be enought to paid with the {$460.00}, pay off, and still refund a check for {$22.00}. He told me that in the system they haven't this amount for {$460.00} just {$410.00}, I told him that I have the copy of the check fortunately, so he told me that I need to send to them by fax. I told him that if he give an email I will send it, but we don't will go to send it by fax because we have high risk health with the XXXX, and they have to investigate it. He told me that he will, and call him later. Today I call him again, and he didn't investigate anything, the other customer service that answer the call, he said that I need to send it by fax or they don't. First, what happen if I don't have the copy of the check? Second, I pay more that we owed, we did the pay off, and know they said that we owed, they don't want to send us the cancelation letter and investigated what is going on, and put us in risk. I can't believe that they don't have any form to see the copy of the check or ask for it. A manager can't do that? I told them that I will complaint with the CFPB, and the employee of today he told me that they have rules than protect them, but we the consumers also have protection. The protection 's rules of this Company don't incluide to write different amount for the original check, plus no be responsable for it. I want a professional answer, I want the pay off of our loan, the letter of the cancellation, and the different of the refund {$22.00}. The system that they have suppost that have a lot mistakes, because when I call on XX/XX/2020 has to be the information of this additional {$23.00}, because in their system it was reflect on XX/XX/2020, and they never told me nothing about this amount this day. All this inconvinience affects our credit, and plus now they want affect our health, just because their system doesn't works properly we have to expouse to the COVID19? XXXX
|
| 01/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In XXXX I had a phone with XXXX. They were bought out by XXXX wireless. My phone bill was always paid on time. when XXXX got the XXXX company my bill doubled. I went to the local XXXX store and disputed the amount. They could n't explain the charges just said it 's on the bill I would have to pay the charges. So I wrote them a letter cancelling my phone account. I was paying my bill a month I advance. This is always a practice when first getting a cell phone. You paid your deposit and the first month bill. My bill was the same every month based on the package I had purchased. Their was no data charges at this time, just roaming and I had unlimited roaming. I was current until I got that bill, which mean I was already paid up if I no longer used the phone. The other charges that was on that account they were charging me for was not mine. I told them that at that time when I disputed the charges.
XXXX sold that account to Midland Funding LLC. who is now on my credit report. They are trying to collect a faulty debt through deception. XXXX did not give them all the evidence. Midland Funding LLC never did the basic check to determine weather I actually owe the debt. Midland Funding never sent me a copy of what XXXX had sold to them, so I could look it over. Mid Land Funding LLC just started trying to collect a allegedly debt. I did not know Midland Funding LLC was on my credit report until I reviewed it in XXXX/XXXX/XXXX. Information Midland Funding LLC reported to credit bureau, was Date open XXXX and XXXX XXXX with a balance of {$970.00}. Midland Funding LLC then reported again to the credit bureau on XXXX. This is I checked my credit report, I think they are trying to hurt my credit score and scare me into paying that bill. When I disputed this account back in XXXX the amount we was discussing was not near {$970.00}. In XXXX of XXXX the Consumer Finance Protection Bureau found XXXX guilty of third party billing ( cramming ) as far back as XXXX. On XXXX of XXXX, XXXX the Consumer Finance Protection Bureau found a collection agency XXXX for collecting millions taking consumers to court for the same practice. The Courts and the Consumer Finance Protection Bureau warned companies should think about liability. Because firms are in their names, filing and trying to collect things that are not accurate. I do n't even know this company and have never agreed to do business with them. I just started receiving bills from them this year. It only had the original Creditor name on it and the amount along with there information where to mail payment. It says we ca n't sue because of the age of the debt, but they will keep reporting it to the credit reporting agency as unpaid.
|
| 05/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XXXX XXXX , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on XXXX I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on XX/XX/XXXX . I was not aware of who was suing me until I contacted XXXX XXXX XXXX bank who notified me that my debt was sold to midland funding . When I contacted Midland Funding I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less t han 1 week to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on XX/XX/XXXX , 2 recur ring payments of {$250.00} beginning XX/XX/XXXX , 15 month ly payments of {$150.00} beginning XX/XX/XXXX and a final payment of {$87.00} on XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated XX/XX/XXXX stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital XXXX stated to look into the judgement against me. I contacted the court on XXXX XXXX XXXX and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On XXXX XXXX XXXX I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on XXXX at and old apartment and that I signed for it. I moved away from the address that they claim I was served at XXXX XXXX and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, th e 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.
|
| 08/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Disputed this company twice ( XX/XX/XXXX and XX/XX/XXXX ) online. Failed to receive validation of debt only received collection bills all for {$200.00} ( starting after 1st dispute ). 3rd dispute was a Debt Validation letter dated XX/XX/XXXX, mailed out late XX/XX/XXXX. The letter includes my needs and the federal law in tact on debt validation before reporting an account to the credit bureau. This account has been reported to my name since XXXX. All disputes went through credit bureaus and as I dispute accounts, collection agencies would send just bills. I received a bill in the mail on XX/XX/XXXX from this specific agency and I called them and on a recorded line as they told me it was, I asked to speak with manager or debt collection dept to see if my letter was received. The agent tried to verify my identity and I stated to him I didnt feel comfortable because of previous attempts of calling in to handle this matter, I felt nothing was resolved and my information was just being taken to continuous attach this debt to me. He claimed he got the manager and when I asked about the letter I was told we dont have that ... I cant access that information ... .now I see there was a letter received but I cant access the letter. I continuously read off my letter I mailed in, continuously asked to speak to the dispute department, which at one point he told me they did not have that dept. I continued to asked for a manager and then I was told they were not available and in the beginning a manager did come on the phone and I had a conversation with two people. I ask to speak with the division manager, as his name is on the bottom of the letter with an attached bill, the agent said the division manager will not talk to me. It got out of hand for me because I felt like I was being lied to with incorrect dates, I was told my letter was received and then it wasnt received. I was told there was no dispute dept and then if I wanted them to review my letter I needed to mail it in to them and someone who does disputes will review it. They have no connection with the bureaus but Ive received a bill everytime I dispute with the bureau. This is effecting my credit horribly and no one seems to want to provide me with the necessary information of the original signed contract from this consumer. As I have told them it is not my account and I have never had an account with that company and if there is fraud taking place, I need to be provided with something besides a bill to take to my local police dept for a fraud report if there is someone using my name. This has greatly affected me as Im a single mom trying to buy a house and start a business and I cant receive a line of credit.
|
| 10/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
Midland Finance is suing me for a debt I do not owe. They are out of compliance with the Dodd Frank CONSENT ORDER & FDCPA. Midland called excessively and harassed my family and myself repeatedly. They refuse to validate the debt in question, they have no account level documentation showing any use of the alleged credit card, and they used robo signed affidavits in the lawsuit without the appropriate documentation attached. Midland and its attorneys failed to investigate disputes, they sent letters containing the verbiage forbidden in the Dispute Affidavit Lawsuit, attached an unsigned credit card agreement that does not relate to the account, and are relying on a sellers file but no account level documentation to back it up. They have filled out interrogatory questions stating that the original owner of the debt XXXX is not a party to the lawsuit ; they do n't know the documents they reviewed, but use the affidavit as proof of the debt. The bill of sale from the original owner of the alleged debt clearly states they make no guarantee of accuracy it is up to Midland to research and verify. The scant copies of alleged statements do not contain any purchases just a balance with alleged payments and the data in the statements is unreliable the math does not add up. I have brought to the courts attention that they are out of compliance with the consent order and FDCPA but it does n't seem to matter. I have asked numerous times in numerous court documents for an accounting of this debt and they refuse to provide this information. They do not know what comprises this debt yet they insist it is valid. The affidavits they have submitted are misleading and signed from a template with no attached account level documentation. The bill of sale does n't even reference the account in question. Midland has misrepresented that I have the burden of proof in litigation. Possible identity theft has been brought up in this case and they have refused to investigate. They have recourse through their bill of sale to have the credit company buy back the debt. My Credit Report shows I had a XXXX account but it was paid off and closed. Through discovery we asked for their processes and procedures and none of them would reflect the fact that they have changed their practices to better align with the CONSENT ORDER and honor the FDCPA. I am being sued unfairly by Midland / XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX in the state of Washington . Midland and its attorneys are clearly in violation of the Consent Order and FDCPA. This looks to be an intentional mocking of the consent order they signed. It does not look like they have changed their practices and continue to violate the FDCPA.
|
| 07/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!
|
| 05/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX XXXX has been contacting myself and my employer attempting to collect a debt for Midland Credit. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed.
I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working 1year and trying to get back on track, which includes trying to take care of XXXX XXXX.
I called XXXX again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by XXXX XXXX XXXX The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call.
I received a Wage Deduction notice this past week from XXXX XXXX, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me.
I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.
|
| 08/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, MIDLANDXXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
MIDLANDXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
MIDLANDXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
|
| 08/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXXXXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
|
| 10/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers.
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues.
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster.
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss.
When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.
|
| 03/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when XXXX decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at XXXX contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well.
In conclusion XXXX XXXX The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this.
2. XXXX committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then XXXX committed a second count of fraud by selling the fraudulent account to MCM. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in.
With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady MCM collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by XXXX. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel.
Finally, MCM is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of parasites.
Quash this account and restore my credit IMMEDIATELY!
|
| 12/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up.
XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that.
XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.
|
| 04/05/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I 've been working with Midland Funding LLC for awhile now to try and work out a solution to pay off my debt. From the moment they took over my debt they were threatening to sue me if I did not pay them. I began talking to them on the phone and explained that I did not have the full amount and could not pay them that. However, I did have about {$300.00} available and was willing to pay them that on the spot if they would clear out the debt. Or that I was willing to work on a payment plan if they could fit it within my budget. I explained I did n't want to commit to a plan I could n't afford, which was why I was asking for a reasonable plan. One representative I spoke to a couple times said he would see if they could accept my {$300.00} and would work with me to resolve the debt. I asked him to please leave a voicemail if he did n't reach me so I knew to call him back. They have been calling me under different phone numbers and tend to call while I am at work and can not answer my phone. He promised to leave a voicemail and never did. I began receiving calls from an unknown number and returned one of them to find out it was again Midland Funding. I asked to speak to the same representative and they told me he had left for the day but that they would have him call me and ensure he left me a voicemail if he could n't reach me. That never happened. I did n't hear from anyone for awhile. More calls began coming through on a totally different number and when I answered it to find it was Midland funding the gentleman I spoke with was extremely rude. He told me that the previous representative I spoke with did not provide me with the right information and that this debt was in pre-legal status and I needed to pay the full amount. He stated that due to the pre-legal status there were n't any options to pay less to resolve the debt or do a monthly payment. I informed him that I had been researching their company and discovered that they have their own legal department and the way they do business is to sue people for the debt rather than working with them on it and I did n't want to get to a lawsuit when I am trying to work with them and they are n't willing to work with me. He began to raise his voice and said " Well what difference does it make? Either way you 'll be paying the full amount. Now or when we take legal action. '' I began trying to talk to him and he continued to talk over me and was getting very mean towards me. I hung up the call because I was getting scared and did n't know what to do. I spoke with a money management company and they advised me to contact the Consumer Financial Protection Bureau as this behavior is not condoned.
|
| 08/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XXXX of this year a garnishment was placed on my bank account for a debt owed by my mother instead of me. Her name was on the account, but only for the purpose of emergencies in case I ended up ill or heaven forbid in an accident. The collection agency Midland Credit Management XXXX Midland Funding LLC placed the garnishment immediately after it was granted by the XXXX XXXX XXXX XXXX here in XXXX. I immediately went to the courthouse on the next available business day and filed an emergency motion for a hearing because the money in the account was an entire paycheck and I need that money for bills and my car payment. It took them almost a month before I could see the judge which was on XXXX XXXX of this year.
We attended the hearing with XXXX XXXX and after speaking with my mother and myself, showing them bank statements and pay check stubs from my account, the judge as well as the representative from the collections agency agreed to lift the garnishment from all three accounts, two of which were my mother and father 's. The judge even instructed the representative to expedite the paperwork to get the garnishments lifted as soon as possible. Since then, we have called the judge 's secretary as well as made multiple attempts to contact the collections agency who continues to brush us off and tell us that they have n't mailed the paperwork yet.
It is now three months later, XXXX XXXX, and the garnishments are still on the accounts and I have not only incurred multiple late fees and overdraft fees due to this inconvenience and stressful situation, but I have also incurred other charges such as the filing charge for the emergency motion for a hearing as well as the stress of having to continually hound them to lift the garnishment. I am at my wits end. I have sent the Attorney General of the XXXX and the Attorney General of the XXXX where Midland Credit Management resides a complaint. I have also sent an email to both the lawyer on their case as well as to the Chief Compliance Officer at Midland Credit Management and I am still waiting to hear anything back. I mailed a letter to both the lawyer and Midland asking for them to please file the paperwork and lift the garnishment.
I sincerely need help here because I feel so lost and hopeless, like I ca n't do anything about this situation and I am about to be out an entire paycheck of hard earned money that I need to help my family. This debt is not mine. I should not be held liable for that debt and the monies in that account should be returned to me. PLEASE help me. I seriously need someone who can get them to do what they were legally bound to do by the Judge on XXXX XXXX this year.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Im looking for assistance or direction on how to handle a situation with XXXX XXXX XXXX XXXX as their teller XXXX XXXX who is dating my ex spouse who Im in child custody court with At the time and she did that at his request or her thought to do it, he then called me and told me she did XXXX which time I reached out directly to the branch manager XXXX XXXX to inform her - commando was in placed on suspension and I and I received two letters from the corporate office to let me know the situation was resolved with an apology. I thought that was the end of it however I still had to keep my vehicle loan with them as I refinanced it at the same time I refinance my car due to the separation after nine years with my spouse and we have two children in common together I have three total so now Im being a single mother and paying a lawyer I have since had nothing but issues with my car payments which I have made duplicate payments the entire year last year where they have side has went to XXXX XXXX XXXX that they have put on my vehicle XXXX I have XXXX I have sent that policy to them numerous times, Ive uploaded it to their portal which is allied insurance, Ive had my insurance agent who does my house insurance my liability insurance for my company and my vehicle insurance speak to them they have yet to takeoff XXXX XXXX XXXX they have yet to credit back the account and then when they do say if they did wan na credit it back it would go to principal only which is not something I agreed she was a single mom I can not afford to pay duplicate payments to go to principal only they have updated this to my credit report so now I do have a bad credit score because I have late payments unnecessarily, and I also have money sitting in a bank account because they refused to put it towards my vehicle payment and the collector I spoke with XXXX and I quote would not let me speak to a supervisor numerous times they did a audit in XXXX which they refused to provide to me after I asked for it numerous times they locked me out of my online banking, and it has been nothing but harassment since the situation which just happens to be the branch she worked at. They still have {$900.00} they have not applied to my vehicle loan sitting in a bank account that I did not open and I requested to be closed win their teller got caught going for my accounts. I have all the text messages screenshots letters from the bank and communications so I would greatly appreciate any assistance you can offer with us or direction on who I need to reach out to. Ive already reported this to the XXXX as well but the bank is offering no assistance they will not speak to me I am at a loss.
|
| 10/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX demanding payment of a debt. I responded in writing requesting this company validate the debt on XXXX XXXX, XXXX. Thirty days went by and there was no response then after an additional 14 days I received a letter on or about XXXX XXXX basically ignoring my request and repeatedly attempting to collect a debt. I have been under tremendous stress and mental drain dealing with the aftermath of Hurricane Harvey and the widespread tactics of scammers preying upon vulnerable people. So I again write another letter to XXXX on XXXX XXXX, XXXX asking them to provide the following information : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Any other legal action by you or any creditor regarding this account Complete transaction history from inception of the account Correspondence address of alleged creditor.
Prove the Statute of Limitations has not expired on this account Provide copy of your license to collect in my state Provide your license numbers and Registered Agent or Agent of Service The company ignored my request and instead sent another robot letter on XXXX XXXX, XXXX demanding payment on an unverified and unvalidated debt. These letters are causing me continued stress and strife in my already fragile life as I struggle with a XXXX XXXX and on the brink of taking long term XXXX. I believe my rights under the Fair Debt Collection Practices Act are being violated. I have the right to request validation of the debt this company alleges I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I 'm not sure why any reputable company is unable or unwilling to comply with this simple request.
I am not sure why XXXX is refusing provide any of the information I requested above on the alleged {$740.00} debt it is attempting to collect so I am requesting the assistance of XXXX to help with this matter. Thank you.
|
| 09/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XX/XX/XXXX I received a copy of Memorandum of costs after Judgement and declaration of Accrued Interest in the amount of {$2800.00} ( interest ) Plaintiff : Midland Funding LLC VS : Me with a case Number which I was in shock to receive in the mail. I called the number on Document to get information regarding notice, I was told a judgement had been filed and account is a legal matter and if I want information I can obtain it by going to the courts for file. I told the rep I know nothing about this!! All they said was to pay and/or they were in a process for garnishment?? Immediately went to the courthouse for copy of the entire file. Midland Funding filed a XXXX XXXX civil case for the amount of {$5900.00} On XX/XX/XXXX. Unbelievable, it stated that Midland had purchased debt from XXXX in XX/XX/XXXX and they have the right to collect in its place as the original creditor. I do not recall ever having an account with XXXX ending in ... XXXX. I had one credit card with them acct # ending in XXXX that I had settled and was given a XXXX for the difference in the balance. I am in good standing with XXXX and i do n't believe this debt is valid because XXXX is my auto Loan carrier and if I had a outstanding debt with XXXX I do n't think XXXX will provide me with a loan if I had bad debt with them. I was never served as stated in the proof of serviceXX/XX/XXXX. After researching XXXX XXXX XXXX XXXXr and address it turns out that it is a Printing Shop that has been there for 21 Years and no one by the name of who served me works or know of that name. XXXX # is not found in XXXX. Does this person even exist??. Midland was granted a XXXX Judgement against me XX/XX/XXXX based on Failing to answer Complaint of Midland.. I was never served regarding the Judgement!! The court allowed the default judgement without proper validation of the debt and was honored only because I did not respond and assumed valid per Midlands request. Only documentation provided was a Copy of a statement without any transactions or last payment information and a AFFIDAVIT of an employee in support of Judgement that just says that she has reviewed and has access to records and account and a witness of accuracy. So if that 's the case why was n't any contracts, agreements or sales slips of purchases provided to prove the debt?!! It is crucial that they prove that this debt is in fact my obligation with proper documentations according to the law and my rights To refer Consent Order CFPB-XXXX Filed XX/XX/XXXX Midland is not complying with the terms of the settlement with CFPB. I am requesting that Midland move to Vacate Judgement Immediately if they do not fully validate debt.
|
| 07/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
Re : Request for Investigation/ Debt Validation Request XXXX XXXX Bank XXXX Account # XXXX Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / XXXX XXXX Bank XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX Bank XXXX ) for Disputed Billing Charges and Billing Errors in XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company.
This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via XXXX mail at the address listed above.
Since Asset Acceptance have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC., of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX-day period, the collector has the legal right to assume that you agree the debt is valid.
Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/XXXX I wrote Midland Funding a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX Midland Funding received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX XXXX.
Last payment made on the Original Creditor account with XXXX XXXX.
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX XXXX. Example XXXX, Charge off Midland Funding LLC or Midland Credit Management whom ever they represent themselves as has failed to respond to my inquiry within 30 business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX XXXX and XXXX and all 3 companies have Verified as Accurate this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information.
* XXXX Verified as Accurate this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different.
* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting 120-149 days past due.
* XXXX generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. Midland has updated information with experian but refused to answer to my inquiry letter? How is that legal?
This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific XXXX questions.
|
| 09/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2019 XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES XXXX XXXX XXXX XXXX XXXX , Kansas XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES to validate the Debt , in connection of the Proof of Claim filed on regard XXXX XXXX XXXX Loans # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt.
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.
4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.
5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.
7. Complete payment history on this account along with an accounting of all additional charge being assessed.
8. Commission for debt collector if collection efforts are successful.
9. Any Judgments obtained by any creditor regarding this account.
10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.
If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
|
| 03/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXXXXXX XXXX, advising them that I was disputing an account # XXXX in which they claimed I owed {$650.00} to them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local and state laws. The letter was mailed Certified Mail signature required Return Receipt. As of this date I have still not received any such validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XXXX XXXX I pulled a copy of my credit report from XXXX with showed that the account had not been marked disputed by Midland Credit Management. On XXXX XXXX, XXXX I wrote another letter to Midland Credit Management advising them that I have retained new copies of my credit reports and noticed that they did not furnish the credit bureau ( XXXX ) with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further reminded them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As they have violated federal law and state law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item. On XX/XX/XXXX I once again pulled my XXXX credit report and noted that they have not removed the invalidated file. See attached documents verifying the above statement.
|
| 09/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX - XXXX I acquired a medical credit card to have some medical procedures done. With a debt of about 5,000. I was later unable to pay back the debt after a year or so from opening the account. Since I was unable to pay due to lack of work and as time had moved on, I had not heard from this company in almost twenty years ( 20 years ).
This past week on XX/XX/XXXX, I received a " Notice of Garnishment '' from my employer stating a company, Midland Funding LLC based in XXXX XXXX CA was taking action to garnish my wages to a total of {$9000.00}. I was surprised and very concerned as I had never worked with, spoken to or ever had any agreement with Midland Funding so I was not sure why and how this garnishment came to be.
The debt they are collecting is twenty ( 20 ) years old and I have never spoken to this company or agreed to pay them anything. I am very concerned as to how they received this judgement without notifying me ( service of complaint ) giving me the opportunity to defend my rights in court. In addition, they filed this complaint in Small Claims located in XXXX CA which is 40 miles away from my work and home.
My complaint is how this company managed to obtain a judgment without my knowledge, Midland Funding has never provided any proof of my debt from original company therefore I do not every know why they are collecting on a debt I do not owe them as I have never done any business, nor spoken to anyone or agreed to pay any funds to Midland Funding.
This debt is twenty years old and has exceeded the Statute of limitation so I want to know how this is legal as I have not been given any opportunities to defend my right s as a consumer and know this company has violated many codes of conduct and collection practices and laws. Midland Funding has obtained this order under false pretenses, unlawful conduct and practices and should not be able to conduct business in this matter. Since the prescribed time permitted by law has passed this should have never been filed in court as per the rules set forth by our legislative body. In addition, this was filed in small claims court but yet Midland is being represented by multiple attorneys. You can not file in small claims with representation as it leaves the defense to a disadvantage as the defendant would not have an attorney present due to the small claims rules of " no attorneys ''. Also, no claimant ( natural person or legal entity ) may file more than two small claims court actions for more than {$2500.00} anywhere in the state during any calendar year which Midland funding has therefore is violating California rules of court ( Small Claims ).
|
| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I pulled my credit report in XXXX of XXXX. My credit report contained a collection account from Midland Funding LLC. I called the number on my credit report, and was redirected to a Law Firm XXXX, I was then informed that this Law Firm had been retained by Midland Funding LLC. I spoke with a representative XXXX XXXX, followed by XXXX XXXX XXXX of which informed me that there was a pending lawsuit against me. The representative XXXX XXXX proceeded to give me a file number. After the initial phone call, I got flustered and hung the phone up. I then called back and made an attempt to clear up the matter, believing both representives from this law firm were being truthful. I proceeded to give them all of my personal information including my personal financial statement. XXXX XXXX then made a settlement offer. I paid with my credit card {$500.00} on or around XXXX/XXXX/XXXX believing this would settle the debt. After paying the {$500.00} I contacted the magistrate court in XXXX XXXX the representative told me only to find out, that this was account from XXXX that I responded to the summons in XXXX from XXXX XXXX Bank requesting my signature and proof of the debt. I was prepared to appear in court, however the lawsuit was dismissed. I realized I 'd been lied to but figured I did the right thing by paying the {$500.00}. Well about two weeks later, I received a phone call from XXXX demanding a second payment of {$500.00}. I then started to challenge with the information I had learned from the courts. The representative began talking over me, and said the debt would still be reported as unpaid. I 've been calling repeatedly to Midland Funding LLC, and the tactics are getting scary. I 'm contacting you now because Midland Funding LLC has been reporting the debt as unpaid even though I paid the {$500.00}. Since XXXX, I enrolled in credit monitoring, only to find out that in XXXX XXXX, Midland Funding entered XXXX negative entries on my XXXX credit report, XXXX under Midland Funding LLC, and a second entry on the charged off account from XXXX with XXXX XXXX Bank marked as a failure to pay for XXXX XXXX. This action resulted in a XXXX pt. drop in score with XXXX. Midland Funding and all of its affiliates are making a mockery of my credit score and the credit bureaus, by using unfair and unethical practices to strong arm me into paying a debt, that I 've already paid them under false pretenses and AFTER it was thrown out of court in XXXX. I 've requested a signature and itemized copy of what I owe to the original creditor XXXX XXXX Bank of which I am presently a card holder on my husbands account. Please help me.
|
| 12/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX and the collection agencies listed below.
I've sent letters to both XXXX and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.
I'm trying to by a house for my family, i'm only XXXX yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX say they are accurate?
I specifically asked XXXX and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.
XXXX hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.
I would like for XXXX to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.
I think XXXX makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.
Please have XXXX remove these 3 negative events, they are really hurting my life regardless of how hard I work.
Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report.
( NEGATIVE EVENTS - COLLECTIONS ) MIDLAND FUNDING Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please remove these negative events immediately!
XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I had an account with XXXX many years ago. We moved to a state where XXXX did provide service. This was over 8 years ago. XXXX did not have coverage for this area and we asked to be released from the agreement. They did this for us with no questions asked.
Then, MCM began to call/send letters demanding money for an account we had with XXXX. I asked MCM for a detailed explanation as to what the charges are for and they provide me nothing.
I just got off the phone with XXXX today ( representatives name was XXXX ). XXXX tells me that she can not provide details of what those charges are as they sold my full account to MCM and are not able to see the details any longer.
I then hung up and called MCM, again. I explained the situation and the representative ( XXXX XXXX sp? ) explained to me that he could not see the details. I told him that was wrong and I have asked for this information numerous times. He said I could file a dispute and I told him I felt it was wrong that they continue to tell me these things and nothing happens and that I was going to report their company to the CFPB. He immediately said he was going to put me through to another extension and said the XXXX digit number and I immediately heard hold music. After being on the call for XXXX minutes ( mostly hold time when he transferred me to some other group ) I disconnected the call. This happened at about XXXX EST XX/XX/2015.
All I am asking for from MCM is a detailed listing of the charges they claim I owe to XXXX. What I do n't understand is how they can do this and pass audits or financial reviews from XXXX party auditing companies without being able to provide that type of documentation or at least produce those in the files. They should be required to keep detailed account history of what they are collecting on and should arm their agents with the details so that they can speak intelligently to the consumer. I feel this is unfair and deceptive.
We receive countless telephone calls from MCM as well as letters. The most recent letter actually reads " ... do n't miss this opportunity to say $ XXXX off your current balance of $ XXXX. We would forward to assisting you. '' They do n't assist you when you ask them for details on what they are collecting ; they only want your money.
Please understand that I do n't have any issue in paying any amount that I may owe. As noted, when I ask for those details they ca n't or wo n't provide it to me. It just does n't seem legal that they can do this to someone. It would have been taken care of immediately if they had provided me the details when I asked but I refuse to pay something blindly.
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I resolved a debt from XXXX with Midland Funding LLC, XXXX XXXX XXXX and they took me to court in XXXX. I never recieved a proof of debt where the collection agency bought the debt and that I owed them the amount still. They put a lien on my property and never sent paperwork to arrange payments on this matter. Fast forward 10 years later and they filed a motion with the assistance of XXXX and XXXX representing them. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), MO XXXX. Phone : ( XXXX ) XXXX to revive the debt/judgement. They did so on the day before the 10 year grace period expired per the XXXX XXXX RSmO XXXX. When I called about the proof of debt they stated they didnt have correct address to send me paperwork then stated " we tried to but we didn't have the correct address and it got a notice to return back to sender '' however, if they did in fact try and send said paperwork how were they able to send me summons to appear in court to the same address they had on file? I went to my court hearing today on XX/XX/XXXX in XXXX XXXX and the mediator for the attorney 's offfice who doesn't even work for XXXX and XXXX stated they didnt have to send me anything to pay the bill or set up a payment plan which doesn't seem ethical at all. Now the original debt they said that I owed was {$6400.00} and that they incrued interest of {$6000.00} which made my total debt {$12000.00}. That amount spanned over 10 years is an interest rate of 20 %. Now I am an XXXX XXXX XXXX XXXX and that amount is against the law per XXXX and XXXX XXXX. XXXX The XXXX percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to and during military service to no more than six percent per year, including most fees which can be found at https : //www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra # : ~ : XXXX % 20 % XXXX % 80 % 93 % XXXX % XXXX % XXXX % XXXX, per % XXXX % XXXX % XXXX % XXXX % XXXX.
Furthermore, the action taken by this company I beleive violates XXXX Missouri statute MO XXXX XXXX XXXX that limits the amount of time they have to collect on an old credit card debt they wish to settle. Lastly, I tried to contact XXXX and XXXX to resolve this debt and they were beyond rude with me and basically stated that they would not settle for any less than the {$12000.00}. I beleive they are trying to bully everyday citizens and are violating the protections of servicemembers. Please advise on what I can do to resolve this. Thank you for your assistance and have a great day. I can be reached at XXXX or XXXX.
|
| 03/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
The company, Midland Credit Management Inc. ( MCM ), purchased or was contracted to manage a store card debt, XXXX XXXX XXXX. I have email documentation between XX/XX/2021 and XX/XX/2021 of exchanges or updates from MCM regarding payments, and an innumerable amount of phone calls which I might be able to pull from a call log. There is a continuous written demand for a full and complete amount of {$950.00}. I've attached today 's most recent notice to document what is owed ( sent XXXX as extremely urgent ).
MCM has been notified several times that I have been in the interview process since XX/XX/2021. I started a company before the pandemic which was severely impacted by COVID-19, like several people. Since, I've continued to the best of my abilities to move forward and obtain appropriate employment. I receive no unemployment. There is a paper trail beginning at least four years back showing consistent applications. I have used contract job monies to pay off people who provided temporary assistance for shelter, groceries and to continue contributing to rent.
While there is a need to pay, consideration should be given to the borderline harassment that companies are engaging in to collect an amount owed. It also takes an exorbitant amount of time to talk with people on a regular basis and give them the same answer.
I would encourage CFPB to track MCM and other debt management agencies, and the policies that govern them. A specific example, in one day a handful of companies wrote off debt causing me to not be able to obtain reasonable housing, borrow or move forward. This is ridiculous given where I'm at in my career and experience, and nonetheless, many of us are being impacted in the same way. Between COVID, natural disasters ( fires, weather ), many people of all economic statuses are being pushed into this situation, many of whom are underrepresented individuals who may not be awarded the same privilege that other receive.
I've requested assistance with a forensic audit given that I have also been a victim of cybercrime. If I am able to obtain a report, I am glad to submit it for review. I am also happy to provide a detailed overview of my finances dating as far back as necessary. Reports have consistently been made to the FBI cybercrime unit, and at least one case was investigated with the XXXX State Police cybercrime unit.
At this time, there seems to be little governance, flexibility or rationale used for collection methods at the moment.
Companies will get paid when the money exists, and I've told them this repeatedly. Consistent payments have been evidenced in my financial records.
|
| 01/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Thank you for your recent response to my concerns as outlined in your prior CFPB complaint response case # XXXX. I would like to dissect and highlight a few areas of concern in your response as follows.
Midland : An investigation of this matter indicates that we became the servicer of the above-referenced account on behalf of purchaser, Midland Funding , LLC ( Midland Funding ) on XX/XX/2017 Concern : Attached response from XXXX XXXX indicates that you are not just the servicer as youve deceptively identified in your response, they in fact sold this alleged debt to you on XX/XX/2017. The term sold means that the original creditor is no longer associated with alleged debt. Authorization was never provided by myself the consumer to grant authorization to release my information in this transaction where Midland purchased the alleged debt.
Your company Midland Funding LLC is in clear violation of the law!!!!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The experience would equate to the alleged debt which was never owed to you as there was no contractual agreement with Midland.
Delete the above account from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in further escalation to include but not limited to legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful I look forward to receiving your response and hopefully no further escalation is required.
|
| 10/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland Funding LLC had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to Midland Funding in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with XXXX XXXX, or that I was sued by Midland funding, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication.
I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and Midland funding have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted midland funding mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a XXXX XXXX credit card application or XXXX XXXX collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.
|
| 12/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022 I sent Midland Credit XXXX a letter advising them that I had recently viewed my consumer report and noticed that they were reporting false, inaccurate, and invalidated accounts to my consumer report. In my letter, I requested proper validation made pursuant to 15 USC 1692 ( g ) sec 809 ( b ) of the FDCPA. I respectfully requested that Midland Credit provide me with competent evidence and any of Midlands contracts agreements that states that I have any legal obligations to pay them for the alleged debt, as I know that this company purchase debt and attempt to collect it illegitimately. I have not now, nor have I ever done business with Midland Credit. These false, inaccurate, and invalidated accounts have been reporting to my consumer report for some time, and is still being reported. It seems that Midland Credit is refusing to properly validate the debt and/or to remove it willfully, which is noncompliance with the FCRA laws. In Midlands Credit efforts to collect on the alleged debt, there was a violation of 15 USC 1692 808 prohibiting a debt collector from using unfair and unconscionable means to collect a debt. Midland Credit violated the statute 1692 ( f ) 8 by using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram. Midland Credit sent XXXX different letters addressed to me in this manner. Unfortunately for me all XXXX letters ended up in my neighbors mailbox. All XXXX letters had the MCM symbol/logo on the front of the envelope. Its embarrassing to have your neighbors bring you your mail and states your bills was put in my mailbox. Thats defamation of character and so much more. I have attached proof of the violation. I also sent Midland Credit proof of the violation, but they have yet to do whats right. As a result of the violation of this statute, Midland Credit is liable to me actual or statutory damages and up to {$1000.00} in punitive damages per violation, which totals {$4000.00} in damages being that there was XXXX violation. I demand Midland Credit pay me what is owed to me according to the law. Im making every effort to resolve this issue out of court. Im willing to settle this matter with admitted liability and compensation of {$1000.00} for each of the violations. I expect compensation within XXXX XXXX of receiving this notice and Midland Credit will not have to pay attorney fees, or we can contact my consumer lawyer about this situation and under the FCRA Midland Credit will pay them as we are giving this company XXXX last opportunity to correct this situation.
|
| 05/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to file a formal complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : Midland Credit Management acquired a debt from the original creditor, XXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent.
XXXX. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to Midland Credit Management, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA.
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Midland Credit Management, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA.
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : XXXX. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA.
XXXX. Cease Collection Efforts : I demand that Midland Credit Management immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.
XXXX. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that Midland Credit Management rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA.
Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Midland Credit Management XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).
Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.
According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account.
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via email.
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023.
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies.
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company.
Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Midland Credit Management.
Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA.
Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation.
Sincerely, XXXX XXXX XXXX XXXX and Consumer
|
| 03/13/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this bill in full $ XXXX.I have not paid this bill because. This money from a credit card upon in XXXX to XXXX in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. Insurance payment in full the entire amount of money. This card is secured with XXXX insurances, XXXX and XXXX. The XXXX sold it without telling me to " XXXX '' and they sold it to without information. In XXXX " Asset Acceptance , LLC ''. The XXXX did not act in good faith.XXXX Account # XXXX.was paid by the insurance that I had within my card in case of unemployment or loss of income. The Insurance payment in full the entire amount of money. The XXXX sold it without telling me to " XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live ( to the court XXXX ), now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem. Please take many years with this harassment, for a debt that I do not owe, and this account was paid, I lost my marriage for this reason and my work too, my daughters and I are suffering for this reason, please end this problem. Now they have XXXX companies trying to collect this money. " XXXX '', " Asset Acceptance , LLC '' and Midland Credit Management. Inc .I needs help, I do not know what to do, and I 'm desperate, please First. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay " Original Documents and my signature ''. Federal Trade Commission ( FTC ), Fair Debt Collection, Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e.
Second. Never served with a Notice of Entry of the Judgment " Notice to Appear '' : I was never served the court notice. Fla. Stat. 48.031 ( 1 ) ( a ). I have never been given the opportunity to be in court when decisions have been taken in this case, I have not had a single hearing in order to know what the whole matter is. Under the constitution and the laws, I have the right to be present in the court and to know all for this problem. REQUEST FOR HEARING.- ( court XXXX ).
|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
THIS IS NOT A CONTINUATION OF THE OLD COMPLAINT THIS IS A NEW COMPLAINT!
I received a formal letter response on XX/XX/XXXX after I filed my initial complaint with the CFPB on XX/XX/XXXX. In this response I was told, and I quote, Please call XXXX XXXX at XXXX XXXX XXXX XXXX ext. XXXX to assist you in reaching a resolution of your account balance.
For 2 days I called aggressively, morning, afternoon, evening and night where I was bounced around, left voicemails and begged to reach someone to resolve this debt. The original complaint was filed because of poor communication and a refusal to give me the means or connect me with the right people to resolve my debt.
Here we are 3 months dating back to my original attempt to contact your guys into me trying to resolve this debt and I still cant get a hold of one person who can help me resolve this debt, yet weekly you guys report my debt to all credit bureaus. Midland Credit Management has also started adding XXXX at a time on the report. I spoke with XXXX XXXX, a manager at your company who said that throughout your entire company there is only ONE person who can help me resolve this debt, she suggested there nay be 2 but she wasnt sure. She also states there is no timetable she can give in regards to me ever being able to reach who I assume is Kelli.This same sentiment was repeated by your employee XXXX XXXX.
The response to CFPB simply feels like a cover up. I have cried to your employees as your refusal to connect me with people to help me settle this debt is starting to feel like Im being bullied. I am trying to close this chapter of my life so my daughter and I can free ourselves from a debt that was created by her XXXX XXXX father.
Your original response letter stated In keeping with our Consumer-First policy, and to provide the highest level of consumer satisfaction how is this authentic when you are telling me only one person in the country can help me resolve a debt, and provide no timetable or best time or way to connect with her?
To make it clear if XXXX XXXX is the only person in this special department you are saying a that can resolve my debt I ask that she reach me immediately, if she cant I ask that you free me! I am a single mother and I have given so much time and energy to this company to do the right thing. Please show some professionalism and compassion, this is not right! You are not just effecting me you are effecting my XXXX year old who wants a home! I need this resolved to finally give my baby some stability! Please, please do the right thing call me and help me get this resolved or just close the debt.
|
| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX I called Midland Credit Management in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed.
When I called Midland Credit Management they referred me to XXXX XXXX XXXX, as they had purchased the debt.
I then called XXXX XXXX XXXX and agreed to pay the debt of {$640.00}.
During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals.
They notified me I will have paperwork mailed to me in order to sign so the payments can be made.
On XX/XX/XXXX, I was notified that I had a Court Constable trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX XXXX XXXXXXXX, regarding the Midland Credit Management debt I agreed to pay the day before.
I then proceeded to call XXXX XXXX XXXXXXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts.
While speaking with XXXXXXXX XXXX XXXX I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt.
I was then told that they were not obligated to tell me.
I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before.
I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise.
Being that this is a legal court document that was served to me, that is not acceptable.
Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XX/XX/XXXXand XXXX XXXX. This request was not acknowledged.
I passed me off to a higher level manager who was very flippant and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts.
This is deceptive, if not illegal. I will be seeing a lawyer about this.
|
| 08/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Midland Funding Inc called me in XXXX 2016 regarding a supposed debt they purchased from XXXX Back/ XXXX XXXX. I requested that Midland Funding Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM.
On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In colorado I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started.
Summons have XXXX date on it and does not have a court seal or case number.
Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court Midland Funding Inc. XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal.
Called the number for the Attorney on the account and was rounter to a dump all number for Midland.
Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for Midland and transferred my in to a bling que.
Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed.
Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law.
I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected.
Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX
XXXX provided me with his email address and stated that he was putting together a validation letter.
I received the so-called validation but there is nothing in there that states my rights as is required.
|
| 09/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing to formally file a complaint against Midland Credit Management Inc. regarding a collections account that has recently appeared on my credit report. I have serious concerns about the validity of this account, the handling of my consumer rights, and the impact on my creditworthiness.
The specifics of the collections account and the associated violations are as follows : Creditor : Midland Credit Management Inc. Account Opening Date : XX/XX/2023 Account Update Date : XX/XX/2023 Account Appearance on Credit Report : XX/XX/2023 Lack of Contact ( FDCPA 809 ( a ) ) : Despite the account being opened on XX/XX/2023, I received no communication from Midland Credit Management Inc. within five days of this initial action, as required by FDCPA Section 809 ( a ). This constitutes a violation of my rights and has negatively affected my ability to validate or dispute the debt.
Status : No contact received within the required timeframe. Potential Statutory Damages : Up to {$1000.00}.
Lack of Knowledge ( FDCPA 809 ( b ) ) : The absence of any prior communication and the account 's sudden appearance on my credit report on XX/XX/2023 have left me with no knowledge of this debt. I was not provided with the opportunity to validate or dispute the debt, as mandated by FDCPA Section 809 ( b ). This violates my rights as a consumer and hinders my ability to assess the accuracy and legitimacy of the debt.
Status : Debt is unrecognized and unverified. Potential Statutory Damages : Up to {$1000.00}.
Request for Validation ( FDCPA 809 ( b ) ) : I formally request Midland Credit Management Inc. to promptly validate the debt, given the discrepancies in reporting dates and the absence of prior communication. As per FDCPA Section 809 ( b ), I am entitled to validation, including documentation that substantiates the debt 's existence, the " original contract signed by XXXX ; XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX original creditor 's identity, and other relevant information.
Status : Formal request for validation submitted to Midland Credit Management Inc. Potential Statutory Damages : Up to {$1000.00}.
Violation of Credit Reporting Timelines : The account 's appearance on my credit report on XX/XX/2023, without prior notice or validation, has negatively impacted my creditworthiness and violated the Fair Credit Reporting Act 's ( FCRA ) requirement for accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ).
Status : Collections account appeared on credit report without prior notice or validation. Potential Statutory Damages : Potentially subject to FCRA remedies.
|
| 11/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a XXXX XXXX credit card that went to collections and it was purchased by Midland Funding LLC. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office XXXX XXXX XXXX XXXX XXXX who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to Midland Funding LLC. I attempt deal with the XXXX XXXX XXXX XXXX XXXX XXXX and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them.
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and child custody battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained custody of my children and as their father struggled with serious addiction issues that jeopardized the children safety. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full custody of my children and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as XXXX high risk group so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income.
As I explained, due to a financial hardship I can not afford to pay the balance on the account. Midland Credit Management has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting Midland Credit Management to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.
|
| 01/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by Midland Funding LLC/XXXX XXXX XXXX regarding a credit card account that was filed in Philadelphia Circuit Court on XX/XX/XXXX.
I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the Philadelphia Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX.
I would like be contacted by a representative of either/or both XXXX XXXX & Midland Funding LLC via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation.
Latest updates are that I never received a letter from XXXX XXXX and XXXX regarding in XXXX as referenced in Midlands letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to XXXX XXXX XXXX and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with Midland if XXXX XXXX XXXX does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call XXXX XXXX XXXX as I would like to establish an arrangement as soon as possible. Please Advise.
|
| 02/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Sent Certified letter on XX/XX/XXXX Sent Certified Letter on XX/XX/XXXX SECOND ATTEMPT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX This letter is being sent to you in response to a listing on my credit report and a letter that was sent to you on XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX stamped signature stamped XX/XX/XXXX. XXXX XXXX XXXX has failed to reply with documentation that I have requested on the First Attempt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I ask you to provide all the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection and selling of this alleged debt?
4. Please evidence your authorization to do business or operate in this state ( State of Alabama ).
5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Regards, XXXX XXXX SSN # XXXX SENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX
|
| 12/10/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX I received a call at work from a process server stating he would be there that day to serve me. He gave me contact information to MidLand Funding since I had no idea what this debt was for. When I called them they said an online loan taken out in XXXX XXXX was due today in the amount of {$1500.00} or they were suing me for {$4900.00}. They also stated I could not make payments, and when I told them I never remembered taking this debt and asked if they had paperwork they said no, and called XXXX to " verify '' the debt even though all they did was verify my SSN and name was listed on a sold debt. When I asked why I had never been contacted about this before hand they said they did not send any notice because they were swamped with these cases and needed to try and get judgment on all of them so people 's tax returns could be taken in XXXX. I let him know I may be able to borrow money from someone but I did not remember this debt and would like some kind of paperwork. After I made it clear on XXXX XXXX that I could not pay the {$1500.00} today either way ( because I did n't have that much money right now and I could not verify this was my debt ) he was angry and said he did n't know what kind of proof I expected and I did n't have a days notice to pay I had over 3 years to pay! I informed him no one had contacted me about this from his office and he said they did n't have to because I breached a contract 3 years ago and I should have already known about it? The fact that he also said I would have my payroll garnished ( which is against KS state law when the debt is sold to a third party collector ), and that he was filing that I refused to pay with malicious intent and that I was going to lose before hanging up sealed the deal. All I wanted was some kind of information to verify this debt ( which he gave me some basic information i.e. when it was supposedly taken out, my SSN, bank account, and that several payments were made before it went bad ) but said there was no actual paperwork and I would have to go to my old bank and try to get the records to prove it. He asked if I expected them to have a video of me in front of a computer taking out this loan?! Anyone with access to XXXX paycheck stub would have had all of my information and anyone I ever wrote a check to at that time had my KS DL number!? All I wanted was some kind of information sent to me, maybe a listing of dates taken out and payments made to verify with my bank although I never remembered this or a chance to make payments and be called in advance, and I am threatened and talked to rudely instead.
|
| 05/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have reached out to Midland Funding ( Encore Capital Group ) regarding a debt from an XXXX Credit card that was sent to XXXX XXXX for collection. The debt was for XXXX XXXX in the amount of {$1100.00}. The original account number was XXXX. My Midland Funding Account XXXX was XXXX. For some reason thay have changed this to XXXX.
I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted Midland Funding and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days.
When the credit report was not updated I contacted Midland Funding and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted Midland Funding again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response.
I contacted XXXX XXXX. They claim to have sent the information to Midland Funding. I contacted Midland Funding on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX XXXX who would not provide a last name ) at XXXX am XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to Midland Funding that day to correct the issue.
XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
|
| 07/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX, a credit card with number ending XXXX was opened fraudulently in my name. This was discovered approximately XX/XX/XXXX, based on a collections letter received from a third party collection agency, XXXX. XXXX was contacted via telephone ; the credit card from a pre-approved letter that was sent back to them from an old address. A police report was filed promptly, XXXX said they would close the account. The delinquent reporting was removed from my credit report. Approximately XX/XX/XXXX, a third party collection agency, XXXX, contacted me stating they had purchased my debt. I sent a letter disputing the debt and asking for additional information about the source of the debt. I also sent in copies of the previous police report, a new police report filed on XX/XX/XXXX, copies of correspondence with XXXX and the original debt collector, and detailed information about my residency. Hearing nothing, I sent two additional copies over the span of three weeks, with the third version requesting return receipt and priority delivery. A third party sent a response stating they purchased the debt and included a single line from an XXXX spreadsheet as proof of the debt. I disputed their proof and filed an FDCPA complaint. The third party removed the credit reporting, but refused to cancel the debt. I sent a response along with the FDCPA complaint, attempted to file a claim as a member of a class action lawsuit, and filed an additional lawsuit which was dropped after a settlement with the third party. About one month ago, I received a communication from Midland Credit Management that falsely, deceptively and/or misleadingly represented themselves in the collection of a cancelled credit card balance derived from fraud and identity theft. Additionally, Midland Credit Management used unfair and unconscionable means to attempt to collect a debt derived from fraud or identity theft. Specifically, the communication offered a settlement on the fraudulent debt, offering a savings on the debt, without stating that there would be tax implications for the " savings '' nor mentioning that making any payment whatsoever on the fraudulent debt would allow additional negative reporting for up to an additional seven years. Having not been disputing this debt for the last 9 years, a lesser sophisticated consumer would not be aware of the negative ramifications of working with Midland Credit Management on this old, discharged, fraudulent debt. I feel this communication, much like the previous communication with the other third party collection agency, violates 15 U.S.C. 1692e of the FDCPA.
|
| 08/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I owe a 10-year-old debt for < {$1000.00} to XXXX XXXX XXXX, XXXX XXXX. When Midland Credit first started calling ( about one year ago ) they stated that they were with XXXX XXXX XXXX and that this was a current debt that needed to be paid or I would be sued for {$1600.00}. I was confused because I did have a current card with XXXX XXXX XXXX, but it only had a {$500.00} limit. So, they claimed that it was on my current credit card and that they were filing a lawsuit was very confusing. So, I started asking specific questions, what company are you with? They answered XXXX XXXX XXXX, so I told the representative that was impossible because my current credit limit was only {$500.00}. He said that with late charges and over-the-limit fees it had increased. I told him that I wanted to speak with a supervisor. He put another man on the phone who I asked if he were in-fact a supervisor and if he could confirm everything that the representative was saying was accurate and he did. I told him it couldn't be accurate, and he was just high-pressure, threatening to ruin my credit, that I would never be able to own anything, that they were going to file a lawsuit etc. I asked to speak back to the representative. So, the man claiming to be a " supervisor '' picked up and said " Yes, how can I help you. '' I recognized his voice. I said, " Yes sir, are you a supervisor? '' He answered, " No I am representative, what can I help you with. '' He forgot which line he had picked up, so I said, " So you lied on a recorded line and you're NOT a supervisor at all? ". He responded, " I will not answer this. '' I happened to remember just then about the 10 years ago debt with XXXX XXXX XXXX and let them know that they couldn't sue me because the statute of limitations has passed. So, the representative responded, " We here at Midland Credit report you every 2 weeks to the agencies and we'll ruin your credit. '' Really, because that's illegal as well for a 10-year-old debt. They got frustrated and hung up on me when I pointed out their lies and fraudulent scams. Ever since, they call 6-10x/day even though I've asked repeatedly for them to not call during working hours because my boss has already threatened to write me up if they don't stop. I've asked Midland multiple times to please not call during my working hours of XXXX, but they still harass me daily threatening to ruin my life, credit etc. I don't know how to get them to stop. Especially, all their lies and fraudulent claims and behaviors. What can I do? I have never received written correspondence regarding this debt from Midland Credit.
|
| 05/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In response to CFPB complaint : XXXX As you stated in your response Midland Funding remains on credit due to verification of address. However, submitting through E-oscar of matching addresses social and DOB is not a form of verification.
MIDLAND FUNDING Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : MIDLAND FUNDING Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 06/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This is a XXXX XXXX account for about {$3000.00} taken out in my husband 's name by his ex wife for her ( not his ) son after they were separated. We finally got XXXX to investigate and verify that he had signed nothing, had n't used the account for himself/was n't on the account, and actually has never even been to the place where the credit was issued and used. So they sent us a letter saying yes they investigated and that it was found in his favor, he no longer owed the debt it was going to be taken out of his name/off his credit report. That 's good, but Midland Credit Management, the collection agency handling it, even with that letter from the credit issuer is refusing to stop trying to collect this from us or to take it out of his name and has it on his credit report and wo n't take it off. I have sent them a copy of the letter from the creditor and they said they just wo n't recognize that letter as valid proof and they do n't care what XXXX says because they are " no longer in the picture '' on this debt, that it belongs to MCM now. Can they do that? They know it 's been released by the original creditor as not being valid and taken off the credit report by them but they just do n't want to acknowledge that so they are n't going to do the same??? They said there is n't a police report about it so it does n't matter if the original creditor says it 's fraud. That does n't seem right. I have tons of this stuff to deal with and I am not filing a police report on his ex. They have kids together, she 'll lose her job. I 'm just not doing that, they signed her up for it let them get it from her. I should n't have to. You should n't be able to issue XXXX in credit without someone 's permission. The proof MCM kept sending us and 'verifying ' this debt to the credit reporting companies was XXXX statements showing the card had been used for that total. Well of course it was used. Who would take a credit card out in someone else 's name and NOT use it. In other words they can verify a debt with any random paper they feel like. Is n't that just totally in the favor of the debt collectors? They need to start making these things have a signature, like they use to do. They should n't be able to issue credit /loans in just anybody 's name with no due diligence at all about whom they have issued thousands of dollars of credit and then it 's your problem to find a way to get it taken out of your name or pay it. How about they have to make sure it 's YOU to begin with or they ca n't collect it from YOU since they are the one 's passing out money willy nilly? How about that?
|
| 08/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XX/XX/2015, I received a letter from Asset Acceptance , LLC about a debt from XXXX XXXX that I did not know about. I have never had utilities in my name. When I got that letter, I immediately called Asset Acceptance, and requested an identity fraud packet. I received the packet and filled it out. However, they had asked for my address history, and being that I work every day when the Secretary of State is open, I had to get it sent by mail, which took about 4 weeks to get everything situated. During that time, I was in regular contact with the company, and asked for more time, because I was waiting for verification. They extended the time period for the documents needed, and said my wages would not be garnished until the dispute was resolved. I ended up faxing what they needed on XX/XX/2015. Since that date, I have heard nothing from the company. I have tried to call them, and the representatives continue to say that it 's still in the " dispute '' stages, but they have no idea why, and I should be receiving a letter stating the reason. The only letters I have received were both in XX/XX/XXXX, stating that my case is still open, and my wages will stop being garnished until they reach a decision. My next paycheck, and every paycheck after that, my wages are still being garnished. I have tried to call the lawyer assigned to my case, a XXXX XXXX XXXX, around 20 times, and left multiple messages over a 5 month period. Not once did I get a call back. I resent all the required documents by certified mail, along with re-faxed them also on XX/XX/2015, along with a letter that if I did not hear back from the company within 30 days, I would have to take further action. I had included the fax confirmation from XX/XX/2015, so they would know I did send them the information. I also had requested a certified mail signature sheet, which I received once it was delivered. Today is XX/XX/2015, and I have not gotten one letter from this company. I have provided proof without a doubt that this debt is not mine, and my wages are still being garnished. When they were trying to collect the debt, I got multiple calls and letters, even when the account was in dispute. Now, every time I call into the company, they give me different numbers, nobody has any information on my account, and the lawyer will not answer the phone. This is completely unacceptable. I would like to know why my wages are still being garnished, after the company has stated over 3 times that they would not be, and I also would like to know why I am continually being ignored when I ask what is going on with my account.
|
| 02/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland Credit Management , inc. stating that all collection attempts will be ceased until conclusion of the investigations which i never recieved. On or about XX/XX/2018. Midland funding llc. filed and was granted Motion For Judgment By Default, under c.r.c.p. 312 ( a ) .where it states The defendent has failed to file and serve a responce to the coimplaint and no responsive pleading has been filed with in the time permitted by c.r.c.p. 312 ( a ). XX/XX/2018 i filed a Judicial Notice of Adjudicative Facts, also filed was the Consent Order, and other evidence. ON or about XXXX XXXX thw jugde put a Stay Of Jugdment and ask me to seek relief which is pending ( cfpb ) findings.On or about Febuary XXXX i recieved from Midland Credit Management a letter stating, A Judgment has been enterd against you, for $ XXXXEven though the jugde put a stay on the judgment.And the judgment was for {$2800.00}. so agian they are violating the consent order and asking for more than the judgment was for.
Whereas Midland Funding Llc, and the Appointed Fiduciary XXXX XXXX XXXX, failed to answer the notice of Dispute and Violate the consent Order with the intent is to deceive and or mislead me.
Whereas Midland Funding Llc, and XXXX XXXX XXXX willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XX/XX/XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully.
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non-economic loss or injury.And any relief that can be sougth after for there violation of the consent order.
Relief available, ( CFPB ) 12 US CODE 5565.
We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS Midland Funding, Llc and its appointed Fiduciary XXXX XXXX XXXX, Civil Money Penalties and Damages for non-economic loss or injury and viod judgment.
Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX XXXX XXXX
|
| 11/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midland Credit Management and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Midland Credit Management, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Midland Credit Management which is a violation of code 18 USC 1028 ( a ) ( 2 ). Midland Credit Management obtained my nonpublic personal information by illegal means. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Midland Management and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Midland Credit Management does not have actual authority for such use and from which I received no benefit. Without lawful authority, by using means of my identification Midland Credit Management is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Midland Credit Management that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship MIdland Credit Management has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
|
| 09/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I sent a letter to Midland Credit Management ( MCM ) on XXXX/XXXX/15 via certified mail asking them to stop contacting me via telephone. My letter requested them to validate the amount of the debt, the name of the creditor to whom the debt is owed, a verification or copy of any judgment, and proof that they are licensed to collect debt in the state of Ohio. I had received no prior written communication from this company and asked them to send me details on a debt they say I owe in writing only. The number they are contacting me on is a work phone number that I do not own and I do not use for personal business. Doing so is a violation of the agreement I have with my employer for it use. I received a reply from Midland Credit Management dated XXXX/XXXX/15 stating that they are unable to locate an account in their system for me and that additional information is needed. I was asked to send a Full account number, social security number, address or previous address, full name, and phone number. I could not provide them with an account number as I had received no communication from them with an account number or an original creditor. I also am not willing to provide a social security number to a business that states it has business with me but can not clarify what the business is. My address, phone number, and full name were provided in the letter I sent. Despite MCM claiming to not be able to locate a record for me, the calls did stop for a time. During this time I received no further written communication from MCM with any information regarding the debt they saw I owe. However, during the week of XXXX/XXXX/15, I began to receive several phone calls from an auto dialer sometimes XXXX times in XXXX day. I decided to answer the phone on XXXX/XXXX/15 as I was not aware of who the calls were coming from originally as the number being used during this round of calls is different than what was used previously. The represenative asked for me by name and stated they were with MCM and attempting to collect a debt. This was surprising as I stated before, I requested only written communication and had not received any response to my request for validation/verification. I provided the agent with my cell phone number and informed them I would call them back as soon as I was able. To which the agent responded that if they did not hear from me in 10 minutes they would call me.The agent also claimed that legal action was pending against me. As they called during the business day, I was not able to call them in a timely manner and they have yet to contact me again today.
|
| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period.
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed.
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country.
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree.
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of XXXX. I cant get Hired with these collections.
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.
With my line of work with victims of XXXX I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly.
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe.
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? and they called my Daughter and her boyfriend also a Co worker who I have not seen sense i was fired. Im dying out here help me get this deleted again. Thank you
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing in response to your recent communication, which I received regarding the alleged debt associated with the account under my name, referenced in your letter. I appreciate your prompt attention to this matter, and I would like to bring to your attention some concerns regarding the validation process and the handling of my personal information.
Firstly, I must express my dissatisfaction with the validation process as outlined in your letter. While I acknowledge the explanation provided regarding the charge-off and subsequent sale of the debt, I find it troubling that my personal information was sold and transferred to multiple entities without my explicit written consent. I believe that such actions infringe upon my privacy rights and raise concerns about the security and responsible handling of personal data.
Additionally, I dispute the claim that no correspondence was received directly from me prior to the complaint filed through the Consumer Financial Protection Bureau ( CFPB ). I have not been provided with an opportunity to validate or dispute the alleged debt directly with your agency. The notifications of dispute initiated through credit reporting agencies do not constitute direct communication with me, the consumer. I request that you provide evidence of any correspondence sent to me regarding this matter before the dispute filed through the CFPB.
Furthermore, I assert my right to have clear information about the terms and conditions of any original contract associated with this debt. The sale of the debt does not absolve your agency of the responsibility to provide verification of the debt upon my request, including the original contract, complete payment history, and a full set of billing statements. I am aware of the requirements under the Federal Debt Collection Practices Act ( FDCPA ), and I believe that these documents are necessary for a thorough validation process.
In light of the above concerns, I am formally disputing the validity of the alleged debt and request that you cease all collection activities until a proper validation, including the requested documentation, is provided. Additionally, I seek clarification and written confirmation that my personal information will not be further sold, transferred, or furnished without my explicit written consent.
I appreciate your prompt attention to these matters and look forward to a swift resolution. Please consider this letter as a formal request for validation of the debt and a cease and desist of all collection activities until proper verification is provided.
|
| 05/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Midland Credit Management , Inc has violated my consumer rights and I have proof of these violations. Reporting invalidated information to XXXX, XXXX, or XXXX may constitute fraud under federal and state laws. I will be filing a complaint to the FTC, my state attorney general, as well as reporting identity theft. You have stolen my nonpublic personal information and violated my right to privacy. I do not consent to my information being used. You can not lawfully purchase my personal information. I am under no legal obligation as a consumer to pay you for an alleged debt. Below is a list of violations of my consumer rights.
This alleged debt was not validated according to my rights as consumer found in 15 usc 1692g.
I am the original creditor, a natural person who can extend credit. Not a corporation.
It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. You violated this law.
Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Violation of 15 usc 1692b ( 5 ).
It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Violation of 15 usc 1692j ( a ).
The false representation or implication that any individual is an attorney or that any communication is from an attorney. Violation of 15 usc 1692e ( 3 ).
Multiple FDCPA violations including, 15 usc 1692e ( 2 ), 15 usc 1692e ( 10 ), 15 usc 1692c, 15 usc 1692b ( 3 ), 15 usc 1692e ( a ), 15 usc 1692d, 15 usc 1692b. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( a ) ( 2 ) ( a ).
My federally protected consumer rights have been violated on multiple occasions and my character has been defamed. As you can see by the dates and the note at the bottom of each letter, I have already mailed certified, a cease and desist letter and Midland Credit Management Inc. have continued to send threatening debt collection letters multiple times after.
I request this account and all comments be removed from my consumer credit report immediately.
|
| 08/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MIDLAND CREDIT MANANGMENT has illegally posted an alleged collection account to my credit profile. My report shows that it is an open account and was opened on XXXX with a balance of { {$820.00} }. I have no knowledge of this company, nor this alleged debt. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. Never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them.
15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. I have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail they have failed to respond to my request. I am responding about a debt that MID LAND CREDIT is trying to collect. A dispute was filed on XX/XX/2023, which was denied through XXXX XXXX. And identified the debt as " account information disputed by consumer, meets FCRA requirements but did not go into further details.
I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me.
A debt collector may not have a legal obligation to provide some or all of the information you seek, even if you request it within the 30-day period. If the collector doesnt give you what you request, that doesnt necessarily mean the debt collector has broken any laws or has given up a legal right to collect from you.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is an account on my credit file that is preventing me from refinancing my mortgage and purchasing a new car despite REPEATED disputes and communication with the company that they account and transactions were a product of identity theft. The company has refused to follow the laws under the FCRA and FDCAP in multiple negligent and willful violations however to avoid going the litigation route and seeking monetary compensation as afforded to me under the law I am trying one more time to get this account deleted with this complaint. The account in question is : Name : Midland Credit Management Account : XXXX Account Type : Open Account [ XXXX XXXX ] | Installment [ XXXX ] Account Type Detail : Open Account [ XXXX XXXX ] | Debt Buyer [ XXXX ] Bureau Code : Individual Date Opened : XX/XX/XXXX Balance : {$6100.00} High Credit : {$6100.00} Last Reported : XX/XX/XXXX Comments : Placed for Collection Date Last Active : XX/XX/XXXX [ XXXX XXXX ] | XX/XX/XXXX Despite the fact that there are clear discrepancies in the data between the three major credit bureaus the fact that Midland has completely ignored and disregarded the identity theft reports that have submitted in writing and verbal communication that this account is being disputed and no where is there any listing of the account being under dispute is a violation 15 U.S. Code 1681s-2 further its a violation of 15 U.S. Code 1681e ( b ) and for Midland 's refusal to comply under 15 U.S. Code 1681n and 15 U.S. Code 1681o. Further they violated my rights under 15 U.S. Code 1681n ( b ) ( B ) as they obtained my consumer report under false pretenses and knowingly without permissible purpose.
Pursuant to 15 U.S. Code 1681a ( 3 ) these accounts should have been removed from report immediately after the FTC reports ( yes I have submitted Identity Theft reports ) were submitted to substantiate the identity theft claim. Midland has claimed that I needed to fill out their form and get a police report however we both this is not only a stall tactic but goes against what the federal law requires when disputing an account under identity theft. This entire process has been beyond stressful and infuriating as this is demeaning my character and I have been harassed about paying a debt that is not mine further violating my rights under the FDCPA. I have attached the reports that have been submitted and hope that being forced into the light instead of being able to hide in the shadows with their blatant disregard for the laws that they KNOW they are required to follow will put an end to this nightmare.
|
| 05/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35
|
| 04/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a notice to answer interrogatories sent by employer. Midland Funding LLC placed a default judgement against me for failing to appear. I never got any notice of this action or it would have been disputed immediately. I went directly to the court house and copied every page in my file. It appears that they have illegally filed default judgements that I was not notified about. I researched this company and the assignees. All of them are defendants to the 42 state law suits filed by FDIC. Reference {$6.00} Million dollar settlement agreement Encore capital group, Midland Funding LLC, Midland Credit Management, XXXX XXXX XXXX XXXX. Improper service, lack of service, affidavit robo signing and much more. I have proof of robo signing in my file. Unsigned affidavits with exact duplicate hand writing that says White House. My neighbors also have white houses. 2 of the affidavits each from different years have White House boldly hand written across the affidavit. My house as addressed was brown This is a provable fact. My husband and I bought the house in XXXX and it had green asphalt siding on it. We installed new brown siding on the house in XXXX and I have pictures of us installing it. It is still the same siding today. The files have absolutely no validating information to verify these debts belong to me, no justification of amounts owed, no original documents pertaining to me, no documentation stating I have any obligations to Midland or anyone else, no timetable of defaults time barring or otherwise. I researched several years of law suits for the exact under handed activities I see happening in my case. I want these fraudulent judgements and impending garnishment vacated and them to cease and desist any further illegal actions against me. The law suits identify several violations including : Encore Capital Group , Inc and its subsidiaries, Midland Funding LLC, Midland Credit Management , Inc were charged for using illegal tactics to collect unverified debts. The settlement resolves a multistate investigation into debt-buying companys collection and litigation practices, including claims that Midland robo-signed and filed affidavits containing unverified and potentially inaccurate information to support debt collection lawsuits against consumers.. The settlement provides debt relief to hundreds of consumers and requires Midland to reform its practices. The lawsuits state Midland violated federal and state laws, including the federal Fair Debt Collections Act. A copy of the settlement agreement is available at : XXXX : XXXX
|
| 06/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX my bank account was put on hold/levy due to a Credit card debt which was bought by another consumer whom pursued the situation to collect the debt. Exact amount that was taken {$320.00} and {$75.00} court fe that was filed against me. Before anything else the total amount I owed came out to be {$1100.00}. I called the office who is handling my case and made an agreement payment of XXXX $ every XXXX of the month. I was told from the office by the secretary that money order is the only payment acceptable and to keep track of my payments because I wouldnt be receiving any type of confirmation receipt for every payment Id be making. On XX/XX/XXXX my bank had called me to notify me that my bank account has been unfroze and Im able to use it. That same day i called the office and ask them for the remaining balance of my debt. The secretary explained and answered, {$1100.00} subtract the {$320.00} from my bank which totals by debt balances of {$830.00} on XXXX. I made a total of 4 money orders to this office in regards to the debt I still owed. From the month of XXXX. to XX/XX/XXXX I made XXXX $ on the XXXX each month and mailed the money order to the address they provided me. Which would bring my debt down to XXXX by XX/XX/XXXX .. on XX/XX/XXXX I called the office and asked the secretary about my case and how much i still owe I was told {$530.00}. I went to XXXX XXXX XXXX, NJ, purchased the money order with that amount and mailed it to the one address that they provided me with. A month later, I called the office and asked about my case and as to why I havent received any confirmation letter stating that I already paid the debt so I can dispute it in my credit report and get back on track without the derogatory mark that is to this day still on my credit report.the officer who handles my case responded and told me I still owed {$630.00} I was shocked and confuse considering a month ago his secretary has told me that it was XXXX.. I had asked him to please check and look at all the updated document under my case because I have all the documentation of proof of payments for my debt. The next day he emailed me stating that they havent received any Payments since XXXX, then a week later emails me a notice of late payments. If that was the case why i havent received that notice from the XXXX and XXXX payment that he claimed to not receive any payments of. I dont know who else to contact and what else to do in order to get this derogatory mark off my credit report. I did my part and handled it as fast as I could. I thought I had.
|
| 12/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts.
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question.
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers.
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( XXXX ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX to cease collection activities until proper validation is obtained.
* It is imperative that XXXX XXXX XXXX furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the XXXX period specified. The cessation of collection activities during this interval is mandated by statute.
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings.
In light of the foregoing, I demand that XXXX XXXX XXXXT rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may result in legal consequences and further action to uphold consumer rights.
Kindly acknowledge the receipt of this communication within XXXX XXXX and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution.
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
|
| 10/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct.
In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
The original creditor was XXXX XXXX XXXX that was a credit card. I bought a big purchase that did not reach me in time in XX/XX/2021. I returned the parcel to the company it was purchased and received a notification that my order would be refunded in four days. After contacting the company after a week with no return I was told my order would need an investigation tracking the order before the return could be released.
I notified the creditor of the situation and they told me that I wouldn't endure fees once the refund was processed. I was notified the case for the parcel was closed and the refund had been return to original form of payment. When I contacted Credit One I was informed they sold the account due to non payment. I began disputing the collection with midland agency with no help to accurately display the credit.
When contacting Midland Agency of this year and speaking to a manager they confirmed that had on file that the return was processed and indeed was returned to my account. But I still had to pay them because they bought this account a they would be willing to offer me a discount if I paid to settle that day. I declined because I don't have the purchased items, the money I spent, or my account. That would be me paying double for inaccuracies on my account. They told me they would open their own investigation which resulted in them sending me a letter saying they verified the account was mine and I needed to pay. There was no evidence of them trying to acknowledge the returned money on the card.
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
I request that this account be removed from credit report from all reporting agencies along with my information and information of the account being held.
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have two accounts on my credit report from Midland Credit Management attempting to collect debts from two different credit card companies, XXXX XXXX and XXXX which I have no clue if they're actually mine. I read on the CFPB website that I can ask the companies to validate the date and by Federal Law they would have to respond to within 30 days with documentation and answers to my questions to prove the debt belongs to me. I used a template letter from the CFPB website and sent a letter XX/XX/2023 for each debt to Midland Credit Management asking them to validate the debts and respond within 30 Days, I did not get a response. So, after 45 days, I looked at my credit report and they were still reporting the two collection accounts! Then on XX/XX/2023 I sent another letter for each debt to Midland Credit Management asking why they didn't respond and informing them that the Federal Law clearly states they can not report a disputed debt if they can not validate it and included the fines associated with these violations. In the letters I asked them to delete the accounts within 10 days, to only contact me to confirm they deleted the accounts, and to close the accounts on their end. I again waited 45 Days to check my credit report and the accounts were still being reported! So, I decided to send one more letter on XX/XX/2023 letting them know they were in violation of the Federal Law and they've had plenty of time to investigate and get some confirmation or documentation that they could send to prove these debts belong to me. My thoughts are they're stalling and just hoping that I'll go away so they don't have to remove the debts from my credit report and they'll try to collect them at a later date. I told them the accounts MUST BE DELETED and they could not collect the debt, report the debt, or sell the debt which is what I've read is what these companies do. I also let them know that I was going to file a complaint with the CFPB or XXXX XXXX XXXXl or consult with an attorney if they continued to violate my rights! I thought that would get their attention and they would finally comply with the Federal Law and remove the debts from my credit report. However, after another 45 days I checked my credit report and they're still reporting! This is why I'm filing a complaint against Midland Credit Management because they are willfully and purposely violating my rights and the Federal Law by not responding to my requests for validation, not validating the accounts at all, and continuing to report the accounts on my credit report.
|
| 04/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi MidlandMCM ; I never had any relationship with you nor the original creditor XXXXXXXX XXXX! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/2020 XXXX XXXX XXXX won a judgement against me in the name of Midland funding LLC in the amount of {$810.00}. I submitted that my only income is supplemental security income and child support. These financial documents was submitted to the court and a copy was given to XXXX XXXX XXXX on behalf of Midland funding LLC. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX threatening to garnish my supplemental security income and child support for the amount of {$880.00}.
I tried to work out a {$10.00} a month payment plan with XXXX XXXX XXXX on behalf of Midland funding LLC as my only income is supplemental security income and child support. XXXX XXXX XXXX denied this payment plan and proceeded with sending threatening letters to my home stating that they would freeze my bank account if I did not work out a payment plan with them.
The letter states that if I do not agree with Midland funding LLC payment arrangement that XXXX XXXX XXXX on Midland funding LLC by half will elect to proceed with further collection efforts to collect the debt.
I called XXXX XXXX XXXX office and spoke to someone in their collections department. I let them know that my only income was supplemental security income and the representative wanted a copy. I told the representative that I have filed all of my financial documents with the court and that Midland and XXXX XXXX XXXX XXXX XXXX all have copies of those documents.
The representative then asked me to send a copy of my financial documents and I decline, politely and stated that I have submitted the documents with the court and that I have requested the same court documents from Midland funding LLC, which I received. And that if she needed these documents that is home she needs to request them from.
I then asked the representative will you be gone fishing my Social Security and child support checks? And the representative said we haven't gotten to that point yet but that might happen if you do not agree to our payment plan.
XXXX XXXX XXXX and Midland funding LLC is legally aware that my only income is supplemental security income and child support as I file the documents with my local court system and gave a copy of these financial documents to the lawyer representing XXXX XXXX XXXX XXXX on behalf of Midland funding LLC.
Midland funding LLC has also, in the past, sent threatening free legal notices to my XXXXXXXX XXXXon. In ruse to get me to submit and use my social security income and child support checks to repay the Judgment they want against me.
|
| 06/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.
|
| 01/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX, XXXX SOC SEC # XXXX DOBXX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAG Reported : XXXX XXXX, XXXX - {$960.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAG Reported : XX/XX/2020 - {$960.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
A writ of garnishment was hit to my bank account without proper notification I guess the papers were sent to an old address that I haven't lived at for over 2 years.
The judgment was issued in XXXX of XXXXAccording to them I see that it was {$880.00} they added fees bringing it to {$1400.00} The writ of garnishment was the original amount {$1400.00} with other fees added to bring it to {$2100.00} and that is what the leviest for in my account I was not notified I've reached out to the company to try to get this reversed and set up a payment arrangement due to hardship and they refuse to work with me.
It looks like according to the court papers that I obtained myself date submitted a writ of garnishment that is dated for XX/XX/XXXX of XXXX again I was never notified that this was going further or I would have taken action and taken care of it.
I told the rude lady that wouldn't get me a manager that don't they think people 's lives change in 4 years why was I not reached out to about this situation to see if there was other alternatives I just need to get my money released so I don't have to find a place to live this has caused a financial hardship emotional hardship mental unstability on top of having a XXXX I've been trying to deal with all this.
I'm not trying to get out of the debt I'm trying to get the debt collector to work with me since they did not do what they were supposed to by notifying me of this writ of garnishment therefore I didn't have time to submit the questions because I didn't receive the documents therefore unfair practices on their part.
For what I've read from this Midland funding company they're one of the worst debt collectors out there they do a lot of sneaky stuff I did file a motion with the court and the judge said I can reach out to them for a payment arrangement and they refuse to work with me they said they didn't get anything filed no motions no requirements no nothing so I uploaded all that to them today stating that they are able to work with me per the judge.
So recap this all started in XX/XX/XXXX They submitted paperwork to the court on XX/XX/XXXX to add more fees it was filed in the court on XX/XX/XXXX they stated I was notified I did not receive anything from them otherwise I would have submitted the questions to be answered by me so that I can try to avoid this and work a payment arrangements for goodness sake I can almost have this paid off by now if I would have known about if I would have known if I would have known if I would have been notified correctly.
|
| 08/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XX/XX/XXXX XXXX credit card services experienced a system data breach. My credit card account was one of many accounts hacked, and fraudulent charges were made on my account. XX/XX/XXXX closed my account, and I was told, I owed nothing, because of the fraud. XX/XX/XXXX eventually sold this account, as junk debt to Midland Funding, LLC. In XX/XX/XXXX, I began receiving notice via U.S. postal mail collection letters from Midland Funding, LLC, demanding payment of the $XXXX balance, that was cancelled by XXXX XXXX, because of the fraudulent activity. I explained to Midland Funding, LLC representatives, that I did not owe the balance, due to the fraudulent activity, that XXXX closed the account, and waived the balance due to fraud. Midland funding, LLC went through a local small court to get a Default judgement on the account in XXXX XXXX. I sent Midland Funding, LLC a cease and desist communication notice with respect to the debt, because I did not owe the debt, and was not going to pay.In XX/XX/XXXX, the Consumer Financial Protection Bureau, entered into a consent order with Encore Capital, which Midland Funding, LLC, is a mentioned subsidiary of Encore Capital in the consent order, which required Encore Capital, and it's subsidiaries to refund payments, or stop collection efforts on credit card accounts, that were disputed by target debtors, and subject to illegal debt collection tactics.Midland funding, LLC is still using illegal and deceptive collection tactics to try and collect this debt under the default judgement from XX/XX/XXXX. Midland Funding, is underhandedly using employment, and payroll services like XX/XX/XXXX/ XXXX XXXX XXXX, to find my current employer, and use underhanded, as well as questionable tactics to implement payroll garnishment of my wages. The amount Midland Funding, LLC, is now trying to collect $ XXXX based on the XX/XX/XXXX, default judgement on this account. This is totally wrong. I do not want to have to file bankruptcy, just because of a breached data system account, that incurred fraudulent activity, because of the data breach, that XXXX XXXX dismissed because of the fraudulent activity. I definitely, can not afford a wage garnishment of 25% of my disposable wages, which would force me to file bankruptcy, the stop a garnishment. I need your help, in getting Encore Capital / Midland Funding, LLC to abide by the consent order, which required them to refund payments, and cease collection efforts on these disputed credit card accounts, using illegal debt collection tactics.
|
| 07/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Account Name : MIDLAND FUND Account Number:XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 10/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A Company named XXXX and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter XXXX to collect a debt for XXXX XXXX Bank -Midland Funding for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency XXXX protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a 2nd letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in Puerto Rico and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named All Clear ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either
|
| 01/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Midland Credit Management was sent a certified letter in XX/XX/XXXX asking them to verify whatever debt they alleged was owed and a notice to stop all communication attempts aside from mail. USPS verified they received that notice and request on XXXX. Midland Credit Management ignored that request by never responding to the request, which is allotted to consumers under the Fair Debt Collection Practices Act, and continued to harass the alleged debtor.
Please see below for an exert of direct communication ( the first paragraph was included in the XX/XX/XXXX certified letter and pasted into the second certified letter sent XX/XX/XXXX ), sent via another certified letter to Midland, on XXXX : The alleged debtor would also like to request, in writing, that no telephone contact by your office or affiliates to any contact number your company or affiliates associated with the alleged debtor. This includes personal and employment information. If your offices attempt telephone communication, it will be considered harassment and the alleged debtor will have no choice but to file a complaint. All future communications with the alleged debtor must be done in writing.
Since receiving the accused debtor communication in XX/XX/XXXX, Midland Credit Management has attempted telephonic contact at least seven different times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST '' Since sending them the 2nd certified letter, confirmed delivered by USPS on XXXX, Midland has again continued the harassment of the alleged debtor and has attempted to call at least four more times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST.
Midland Credit Management has broken the law twice regarding this case and still continues their harassment. The alleged debtor has all documents sent to and requested of Midland, tracking numbers, certification documents from USPS that the letters were received by their company, and phone records to prove all allegations.
The alleged debtor has two certified letter confirmations that they received the request for debt validation and to cease all communication attempts unless via mail and Midland continues without any regard for the law.
This company needs to be stopped or held liable in a court of law.
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 06/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The first time I learned about this debt was when I received word from my company payroll department that I had a lien filed against me in the amount of XXXX from a judgement filed in the State of California XXXX XXXX in XXXX through Midland Credit Management. The debt was from a card opened fraudulently in my name back in XXXX. It was charged off in XXXX. At that time, I filed a police report with the XXXX XXXX police department which is where I was living at the time. That information was provided to the credit reporting agencies and the credit card company XXXX XXXX where the issue started. I had no idea this was still active in any way, I received no information about this until the lien. I contacted Midland Credit Management and was told the dept was legitimate and if I wanted to dispute it I would have to send a notarized letter stating it was not my debt along with the police report and a new police report if I didn't have the previous one and that it would take a month to process. I contacted XXXX XXXX who informed me they no longer had any information to assist me, that information that old is not held onto.
Midland Credit Management followed up with a letter threatening that if I disputed this claim, that dispute process would go on my credit reports causing a negative mark on it. The amount they claimed I owed also changed from XXXX to XXXX. They did not send any of the court paperwork, any letters ever stating I owed this debt, nothing other than the letter and a very small unclear print out of what appears to be a credit card statement from XXXX XXXX dated XX/XX/XXXX to XX/XX/XXXX. They refuse to address my requests for information. When this case was filed they ( based on what information I could find ) had my correct address on file yet sent information to an incorrect address where it was apparently signed for. I believe this to be a tactic used to bring to court to get the judgement. I have attempted to contact the court to understand what rights I have to fight this but due to covid restrictions and the court is over 120 miles away from my residence, I have had no success. Midland Credit Management intentionally withheld information, intentionally filed this case over 100 miles away from my residence, is falsely collecting a debt that was closed out in XXXX and gave no information during this injustice and continue to not provide any details to this. They used the courts in California to perpetrate this crime. I want my money back and want to file charges against this company.
|
| 06/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency is MCM. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bill. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.
|
| 10/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, This was a charge from years ago and could be even past the point of collection time.
However, I had an XXXX XXXX Account through XXXX Bank now owned by XXXX XXXX to the best of my knowledge.
I used it for a few years and always paid on time.
Then there was a charge on my account for over 300 dollars and was shocked.
I had used the card for services but the amount I was told was literally half of that.
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge.
I than paid the amount the was actually agreed to.
After their investigation, they decided to put the double charge or overcharge back on.
I even connected with XXXX XXXX and they offered me a credit in that amount.
I did not make that charge or was over billed and no idea how that amount was able to transact.
I know for a fact that I did not sign for that amount.
My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through?
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance.
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it.
I was upset and confused to then receive a bill back for the amount disputed.
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of.
Meanwhile, they continued to charge fees and late charges and then finally closed it down.
Then on top of that and knowing there was an issue sent it to Midland Credit Management.
Ive asked them to send me my disputes that I have sent through to the company.
All they sent me was a bunch of Terms and Conditions.
They tell me via phone that this is all they need to send to me.
The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to.
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible.
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this.
But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities.
I need the evidence of the signatures and how this was able to be charged.
Especially a charge over my credit limit and a card not in my legal name.
Any help on this would be appreciated.
|
| 10/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
|
| 05/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is the SECOND complaint I am filing as Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the XXXX major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accou nts o n XX/XX/XXXX of this year through XXXX , XXXX and XXXX to no avail. Midland Funding has appropriately closed one account ( XXXX ) , but still leaves one account ( XXXX ) open without any sort of validation. To date , Midland Funding has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a paper stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Midland Funding stated in their response that they have verified that the items listed are accurate but has failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said you did. Midland Funding 's failure to delet e the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
|
| 06/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX I sent XXXX XXXX letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/XXXX ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the XXXX letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX didn't respond.
XXXX XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/XXXX account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( XXXX letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency.
All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
|
| 07/21/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I received a loan for {$5400.00} from XXXX XXXX after applying online. I was paying the loan via ACH drafts each month. I had to close the account due to issues and contacted XXXX to mail payment. They refused and attempted to still draft from closed account. I received emails from XXXX with my balance due of XXXX XXXX.The final email came on XX/XX/XXXX. I was unable to pay the full amount and the debt was sold. I began receiving main from Midland Funding stating I owe more than {$6000.00} for the same account. I was served for garnishment on the debt in approximately XX/XX/XXXX for which I requested proof of the amount for which they were stating that I owe. They merely sent a copy of the original loan amount of {$5400.00} and no records to show amount following payments that were made on the account. We went to Civil court on XX/XX/XXXX for which I had the copies of the emails with the amount that XXXX stated I owed. The Judge ordered me to meet with the Attorney representing Midland to try to reach a settlement without hearing anything from me. During this meeting, I asked how they reached the amount that they were asking and she could not explain. She tried several calculations to try to reach that amount and was not able to. She also did not have any records matching the amount that XXXX gave me prior to selling the debt. She then proceeded to say that the interest increased the amount. I then explained that Georgia only allows Debt Buyers to charge 7 % interest. And she explained that the debt was purchased from XXXX in XX/XX/XXXX. I then added that there was no way that interest caused the amount owed to almost double. She then gave me a Consent form offering a settlement amount of just over {$4800.00} and monthly payment of {$120.00}. She told me that I could turn down the offer, and go to trial but they will be seeking the full amount of {$6000.00} plus court fees if I lose. And she told me that even if I sign it does n't mean that Midland can not decide to come back for the full amount at anytime. I signed the consent to pay that amount after the attorney strategically threatened to get more money from me if I refuse this new amount. The new amount is even higher than the debt owed and I 'm not sure how she reached this amount either. I am filing this complaint because Midland filed for Judgment on a fraudulent amount, and no documentation or justification to support that amount. Also they use intimidating practices to gain agreement to make money.
|
| 01/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Midland Credit Management XXXX XXXX XXXX XXXX MI XXXX Midland Credit Management bought XXXX credit card accounts of mine. I contacted them in XX/XX/XXXX and even though my only income was unemployment I agreed to pay {$50.00} per month and they told me they wouldn't continue with a lawsuit. At this time I had a small claims against me from them for one account and they said to forget about it. I continued to pay until XX/XX/XXXX when I received a summons for the other XXXX accounts. I called Midland and they said they never stated that & refused to look up or send me the call recordings. They were very rude and wouldn't help me at all. At this time my unemployment ended, I had no income and inquired about their hardship program. I submitted all the documentation that was required in XX/XX/XXXX. Never had a response even though I called numerous times. I then contacted the attorney general 's office who emailed them for me. They responded that I didn't send anything and I had to have an approved social security claim for them to grant the hardship ( I have an application in review ). There was a court date of XX/XX/XXXX and I honestly forgot the date, called the court and they told me to call Midland 's lawyers to ask for continuance of agreement. I tried, you can call their internal legal department but not their lawyers. I was given an email and every time you send an email to them it comes back that I am not authorized to contact them. I had no way to speak to their lawyers. I was found in default. On XX/XX/XXXX I was sent a letter that via attorney general that I was approved for a 90 day hardship. But I needed to send complete documentation ( a list they sent ) have it notarized and send 4 copies of the exact same thing and also this is the same documentation I previously sent in XXXX. I called internal legal who couldn't help me and again gave me their lawyers email ( which came back not authorized ). I have spent hours, months, calling, writing to them and to the attorney general ( who now I am waiting for a response back ). I have no income, severe back problems and trying to do the right thing but Midland is so deceiving, rude and makes promises and then lies about it. They are horrible to deal with and every call they still ask you for money even when you tell them you have none.
The attorney general has relayed information to their contact but hasn't been able to help me. I have documentation for everything if you need me to send it. Thank you for your help.
|
| 12/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know.
I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy.
I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.
My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there.
I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe.
I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
|
| 11/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing in reference to the debt collection company, Midland Management , Inc. I formally disputed the debt and requested that the company validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).
Despite my request, I have not received the necessary information and documentation to validate that the debt belongs to me and that the company has the legal right to collect such debt. The Federal Trade Commission ( FTC ) has made it very clear and stated that a mere photocopy of a bill does not constitute sufficient validation for debt collection purposes.
It is my understanding that under the FDCPA, Collection agencies are obligated to provide the following information to properly validate the debt : Verification of the amount owed.
Proof of ownership of the debt Evidence that you have the legal right to collect the debt.
As of the present date, I have not received any valid documentation or verification of the debt in question from Midland Management , Inc, despite the legally mandated request for validations and all my efforts of communication to properly validate the debt. I urge Midland Credit Management , Inc to comply with the FDCPA and the FCRA and provide the necessary documentation to validate the debt within the required time frame.
Due to midlands lack of efforts to properly validate this debt, I question the legitimacy of the debt and their ability to collect such debt. Midland Credit Management , Inc. have NOT provided me a copy of ANY original documentation which I requested in my previous written request required per FDCPA 15 USC 1692 and the FCRA under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA.
As stated, before the Federal Trade Commission ( FTC ) has made it very clear and stated that a photocopy of a bill does not constitute sufficient validation for debt collection purposes. A copy of a bill WILL NOT and DOES NOT give Midland Management , Inc. the right to collect this debt in a court of Law this has been stated by the Federal Trade Commission. You must be the owner of this debt. In addition, sense I have never entered into an agreement with Midland Credit Management , Inc they must have a Legal right of ownership to collect this debt. The Purchase agreement will establish this, and I have requested this information multiple times in my previous attempt of validation with Midland Credit Management , Inc .
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I started working with XXXXXXXX XXXX, a debt consolidation company helping me make settlements with current lenders back on XX/XX/XXXX. We were able to come into a settlement with Midland Credit Management , Inc back in XX/XX/XXXX. The settlement was for 12 payment of $ XXXX monthly. After the pandemic i was force to cancel my agreement with XXXX XXXX due to financial difficulties on XX/XX/XXXX. At that point I had already made 9 payments to Midland Credit Management , Inc. With only 3 payment left for {$260.00} each. I tried several time to reach out to Midland Credit Management , Inc to make payment arrangements given only 3 payments were due. I could honestly say I called them over 15 times. They kept saying I had to talk to another department because I was previously working with a debt collection agency. I call multiple time, ask to speak to supervisor, asked them for a call back and nothing happen. For starters Midland Credit Management , Inc has never sent me any correspondence with the amount owed, or due dates or any notice of late payments. I had to research online for their contact information even though my information HAS NOT change from the information the original lender had on file XXXX XXXX XXXX XXXX. After many many calls with no resolution I continued calling. Until XX/XX/XXXX when I noticed that Midland Credit Management Inc had reported 120 days late on my credit report. I tried calling and again after hours on hold I was finally able to speak to a manager, who stated that despite my balance being under {$800.00}, that settlement was voided if the payment didn't come directly from debt consolidation agency. Which I had cancelled. He also informed me that my balance now was up to {$3900.00}. Which honestly feel like Midland Credit Management has dishonest practices to make sure they don't have to abide and can get away from settlements what way. I when on to try and settle ON XX/XX/XXXX, he stated that the best offer would be {$2400.00}. And that would not remove the incorrect reporting of the 120days late, it will be removed from my credit report years later. First of all, I honestly believe it shouldn't had been reported to begin with at all since I have records of trying to reach them since XX/XX/XXXX when next payment was due after I left the Consolidation company. It's truly incredible what companies like Midland Credit Management can get away with these practices, specially in this pandemic and many suffering from financial difficulties.
|
| 11/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ).
A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX.
Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account.
On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day.
I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check.
On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021.
On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service.
I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.
|
| 08/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have tried on numerous of occasions to first, find out what debt this is ; secondly, educated to them that this was caused by Identity theft. I have produced countless letters from the Bank itself as well I mine, to include a claims submission in the regards of " Midland Credit Managemnt , Inc Telephone Consumer Protection Act Litigation Settlement.
I was robbed at a gas station in XXXX XXXX, KY ( police report was filed ) in XXXX. From there, my banks accts were taken and numerous of accts and credit cards were opened in my name. All were dismissed, closed and fraud alerted ; except this. I have proved time and time again that this is a fraudulent account. I was divorced in XXXX, and closed every credit card down that me and my spouse had as well as any joint accts. I bank with XXXX XXXX and have been since my return to the US in XXXX of XXXX. This company and XXXX have REFUSED to tell me what this is, ( either an acct opened or a credit card ) REFUSED to provide documents, but only have said this is a XXXX XXXX XXXX deal. I have called XXXX XXXX XXXX and have letters stating I have NEVER had an account or credit cards through them. They have SENT letters to me as well as to Midland Funding, LLC and XXXX. They BOTH say they have never recieved. Last year, they literally garnished my bank acct, and my daughter 's, I had to fight to get that back as I am a single parent, and that had funds for rent, bills and food, ( see Claim of Exemption letter ). I have resent NOTARIZED papers they have sent me regarding the fraud acct, as well as the letters from the bank. They are now trying again to garnish my pay on something that IS NOT MINE, never was.
This is harrassement, added stress, has my job in jeopardy, these are the points that red flag this : The second page that has the notary signature says that judgment has been entered.
-Has a court judgment been made?
-South Dakota Codified Law 21-18-3.1 states that " Garnishment prohibited before judgment. Garnishment prior to obtaining final judgment in the principal action is prohibited.
-The document has a Court File No. however there is no indication that the document has been filed with a court ( such as a clerk of court signature ) This is a list of all the facts of my case : -Victim of ID Theft -Have filed an ID Theft Affidavit with Midland -Filed a claim of exemption -Past actions have been released -Unaware of a judgment -Attempting to Garnish without a judgment -past the statute of limitiations
|
| 12/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been placed in collections on XXXX XXXX, 2018 by Midland Funding LLC for the balance {$1400.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.
This is not a request for " verification '' or proof of my mailing address, but request for XXXX made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec, XXXX { b } that your claim is disputed and validation is requested.
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : - What the money you say I owe you is for?
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable.
- Identify the original creditor.
- Prove the XXXX of Limitations has not expired on this account.
- Show me that you are licensed to collect in my state.
- Provide me with your license numbers and XXXX XXXX of XXXX.
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, Equifax, or TransUnion XXXX this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the XXXX major credit reporting bureaus : Equifax, Experian, and TransUnion XXXX requests shall be sent to me immediately.
If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the XXXX major credit reporting bureaus : Equifax, Experian, and TransUnion XXXX requests shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties XXXX be made by your company to my home phone, cell phone or my place of employment.
|
| 03/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX Midland Credit Management sent me a letter claiming they were the new " owner '' of a XXXX, XXXX. credit card account in the amount of {$12000.00} but would not begin collections for 30 days.
XXXX Midland Funding , LLC sent me a letter stating Midland Credit Management , Inc. would be collecting on an account on behalf of Midland Funding LLC. This letter also stated that because of the age of the debt, they would not sue me for the debt but would report it to credit reporting agencies.
XXXX I sent MCM a letter requesting complete validation of this supposed debt per the FDCPA.
XXXX MCM responded with a letter stating they received my dispute and found their information to be correct. They then stated " We are uncertain of what you are specifically disputing '' and that to further investigate they needed the following documentation : " Written explanation and documentation demonstrating any errors in our account information ''. They also claimed that I had indicated I had appointed an attorney/representative and they were requesting contact information, which is incorrect. I do not have an attorney/representative and never claimed to.
XXXX, I sent another letter, again requesting complete validation of the account under FDCPA XXXX MCM/Midland responded with a duplicate of their previous letter without any supporting documents to their claim. So, TWICE they neglected to send me documentation validating this debt they claim I owe.
XXXX I sent a letter via certified mail to cease communication with me under the FDCPA and Florida statute XXXX, unless they were notifying me that the matter is closed. They did not respond to this letter.
On XXXX they illegally reported this un-validated collection account on my credit reports and illegally RE-AGED this supposed debt to XXXX XXXX, 2016, with an increased balance to {$12000.00}.
XXXX I called XXXX to dispute the collection. " XXXX '' with XXXX refused to request written validation from Midland and refused to remove the collection from my report until it is properly validated with real documents and not just on Midland 's electronic confirmation. When I told him I would have to report this refusal to the FTC, he began to speak abusively and derisively to me, and also refused to give me his real name so that I could properly document the phone call.
It is seriously damaging my credit in the meantime. I am still in the process of calling to dispute Midland 's collection account with with XXXX and XXXX.
|
| 04/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
|
| 08/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX dba Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Midland Funding, Your company has not verified the alleged debt. You entered false information on my credit report, which I have disputed. You are in violation of the Fair Debt Collection Practices. You gave false information to a credit-reporting bureau. A credit-reporting bureau maintains a system of records protected under the Privacy Act. The law provides equitable relief in the form of expungement of records 5 U.S.C. 552a ( g ) ( 1 ) ( C ) affording civil action against an agency.
As a third party debt collection agency, you are attempting to collect a debt without validation. Your entry on my credit report constitutes limited-content-message under the Final Debt Collection Rule Issued by Consumer Financial Protection Bureau and the Fair Debt Collection Practices Act.
The Federal government documented my stolen identity in the XXXX data breach in XXXX. The information on my credit report alleges the account opened XXXX XX/XX/XXXX, the year of the XXXX Data Breach and became delinquent XXXX XX/XX/XXXX. It is impossible to be delinquent on an account not yet opened.
The Virginia Statute of Limitation on debt collection is 5-years from the date of delinquency. XX/XX/XXXX ends your ability to collect this alleged debt. Your attempts to collect this unverified and disputed debt exceeds the Virginia Statute of Limitations by 1-year, 5-months and 21-days of a Time-Barred debt. Your attempt to collect this alleged debt breaches the FDCPA in Virginia.
By placing a lien on my home, you are threatening to take a non-judicial action to effect dispossession or disablement of property when there is no present right to possession of the property claimed as collateral through an enforceable security interest. This is an unfair debt collection practice identified by the FDCPA.
I am not responsible for this fraudulent debt. Remove your entry from all Credit
Reporting Bureaus. Release any lien notices on my property and mortgage agencies. I demand the name and address of the original creditor and original documents that prove collateralization of the debt.
You are prohibited from furnishing information about a debt to a consumer-reporting agency before engaging in specific outreach to me about the debt. You breached Debt Collection Practices ( Regulation F ) Final Rule.
CEASE and DESIST collection.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
|
| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI MIDLAND CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Accounts Midland Credit Management Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Midland Credit Management since XX/XX/XXXX regarding the accounts Midland Credit Management asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Midland Credit Management claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Midland Credit Management has asserted.
It is distressing to note that Midland Credit Management has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX requirements and the Truth in Lending Act ( TILA ).
On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Midland Credit Management claim I owe.
Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation.
As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX.
It is imperative that Midland Credit Management comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Midland Credit Management rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies.
I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.
|
| 02/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I filed with a Debt consolidation in XX/XX/2019. {$280.00} down, XXXX per month on {$5.00}, XXXX worth of debt. After a little over a year. I was told by my bank that my credit score had dropped to XXXX. I was almost in tears. explained to her what had happen. She told me to cancel this and not ever just into something, that its messing up my credit. She showed me that only one bill of {$400.00} was paid off. I called MCM and ask how much money have they taken from my account, and why the small debt hadn't been paid.she said I only have XXXX left in the debt consolidation account and they have to wait to they collect more money.So I ask where was all of my money going they told me that they paid one bill and they have to pay lawyer fees also. Thats when I stopped everything and changed my card, while I was there in the bank they was at the time trying to take money from my account. So now! the MCM took over the XXXX XXXX account of a little over {$900.00}. I didn't hear from MCM. For about 3 months. I kept calling XXXX XXXX telling them I want to start back paying my bill with them. They say that I didn't owe them. I said I know I owe the bill. I went through a lot trying to find out who have my bill.Finally about 2 month later someone gave me a number to call. I finally got to the bottom of everything, and sent out letters to everybody explaining the situation. I was caught up in going through the death of my brother and I fell for this scheme at my weakest moment.with this Debt consolidator. So the MCM. started accepting my payments. For a while I had to ask for. statements. From then own, they call me all the time constantly. For no good reason. I make my payments on the XXXX of every month. Never late. One month I made one and another on the XXXX. they called me and said I still meed to make one on the XXXX. I said I made it on the XXXX because the XXXX fell on I think a Sunday. So I did. Now they calls and say I need to make payment arrangement and do an automatic draft. I refuse the Auto draft. I keep telling them that my payments is the same date that I have been paying on which is the first of every month. They say they don't see where i made arrangements. They are doing this to try and force me to let them do auto draft. I keep telling them no., but they have been doing this for 2 yrs. I am a XXXX and I have uncontrollable XXXX XXXX XXXX.. They are already being paid for more than I owed XXXX XXXX itself and I am never late on my bills.
|
| 08/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Midland Credit Management ( MCM ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default XXXX XXXX card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was MCM again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments.
MCM called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from MCM. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated MCM was considering sending this account to an attorney in our state for possible litigation. To please pay them.
|
| 07/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Midland Funding, as shown on my 3 credit reports, is showing incorrect information.
Basis for the dispute : 1. The type of account is listed as OPEN " Installment '' or " Other Accounts ''. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current.
( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is {$7000.00} and the account is listed as " seriously past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score.
Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of May 2014 as Midland is not a creditor and I do not have any installment agreement with Midland.
Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
|
| 04/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
***PLEASE NOTE MY CAPS BUTTON IS STUCK ON FOR SOME CRAZY REASON AND I AM NOT YELLING OR TRYING TO BE AGGRESSIVE. *** ON OR AROUND XX/XX/XXXX I CONTACTED MIDLAND CREDIT MANAGEMENT ABOUT TWO ACCOUNTS THEIR OFFICE WAS CURRENTLY REPORTING ON MY CREDIT REPORTS. I WROTE ASKING FOR VALIDATION PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT, ALONG WITH MY LOCAL LAWS. ALL LAWS BASICALLY STATE THE SAME THING, UPON REQUESTING AS A COUNSUMER- I AM ENTITLED TO EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) CONTRACTUAL OBLIGATION TO PAY THEM ANYTHING. PLUS, I NEEDED EVIDENCE THE DEBT/CHARGES WERE MINE. I ALSO REMINDED THEM I HAD MADE ALL 3 BUREAUS AWARE OF FRAUD ON BOTH MY SS # AND CURRENT ACCOUNTS FROM A DATA BREACH. I ALSO INQUIRED ABOUT THE PROCESS THEY USED TO VERIFY THE DEBT. ADDITIONALLY, I ASKED THEY PROVIDE ME THE INFORMATION OF THE PERSON ( S ) THAT VERIFIED THE ALLEGED DEBT SO I MAY INVESTIGATE FURTHER SHOULD I NEED TO. I REQUESTED IF THEY COULD NOT PROVIDE THE INFORMATION REQUESTED THAT THEY REMOVE THE ITEM FROM MY CREDIT REPORT ( S ) AND STOP COLLECTIONS. I MAILED ( CERTIFIED MAIL ) MIDLAND ON OR AROUND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. IN RESPONSE TO MY LETTERS MIDLAND RESPONDED " AFTER INVESTIGATION YOUR ACCOUNT WAS VERIFIED YOUR DEBT '' BUT I NEVER RECIEVED ANY OF THE VALIDATION REQUESTED AND REQUIRED. FURTHERMORE, ON ONE OF THE ACCOUNTS ( XXXX ) THEY DID NOT RESPOND WITHIN THE REQUIRED 30 DAYS, NOR DID THEY REPORT THE ACCOUNT AS DISPUTED WITHIN THE 30 DAYS, THAT ALONE MAKES THEM NON-COMPLIANT AND THE COLLECTION SHOLD BE REMOVED. THE LAST RESPONSE MIDLAND SENT ME A LETTER DATED XXXX STATING " WE ARE UN CERTAIN OF WHAT YOU ARE SPECIFICALLY DISPUTING '' AND REQUESTING " WRITTEN EXPLINATION AND DOCUMENTATION DEMONSTRATING ANY ERRORS IN OUR ACCOUNT INFORMATION ''. IT IS NOT MY JOB TO DO THIER WORK. I HAVE BEEN VERY CLEAR WHAT I AM DISPUTING AND REQUESTING, I AM DISPUTING THE ENTIRE ACCOUNT AND REQUESTING VIABLE EVIDENCE THAT THEY MUST HAVE ON RECORD THAT THE DEBT IS INDEED MINE AND MY SIGNATURE STATING I HAVE A CONTRACTUAL OBLIGATION TO PAY THEM. AS YOU WILL SEE IN MY ATTACHEMENTS, THEY HAVE SENT THE SAME LETTER EACH TIME IN RESPONSE, THIS IS WHAT I BELIEVE IS STALL TACTIC AND COMPLETE VIOLATION OF THE LAW. I DECIDED TO FILE A COMPLAINT AS THE LAST DITCH EFFORT TO GET YOUR HELP BEFORE FILING AT MY LOCAL COURTHOUSE AND ASKING A JUDGE TO DECIDE. THANK YOU FOR YOUR HELP.
|
| 04/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call the day before Christmas XXXX. A very rude male, kept talking to me like he knew me. It was the holidays I played along.
That's when I was told that I need to pay my bill. The person refused to identify, or transfer me to supervisor.
Continued to talk down to me. I refused to verify any of my information. He said that was ok. He would make sure I knew who he was.
Not long after I noticed repetitive derogatory flags on my credit reports. Some days apart, some the same day, never longer than a week apart since. Derogatory marks for late payments.
Not long after I was served paper work, late at night by a female pounding on my front door. Pretending to need medical assistance.
So I finally see who has been causing all of the XXXX.
XXXX card services sold my debt. Which was XXXX $ to Midland credit who says I owe XXXX $ This card was payed on time for years.
I was severely injured at work, workers compensation cut me off short after. I spent my savings trying to stay a on top.
It came to credit card bills or food for my family.
Food for my family was an easy choice.
Now a year later I have numerous derogatory marks on my credit from midland credit. From the same debt.
They never sent anything to the house to verify anything.
I went to the pre trial day before yesterday.
I pleaded that I have no job and only have XXXX $ a WK unemployment. I have no money to pay.
I said I could try to establish XXXX $ to stop them from proceeding. He refused the offer 'stating it was insufficient ' and requested a trial.
I apologized. Telling him that, the money I had was for rent. He kept telling me it wasn't enough.
I couldn't have felt smaller, more belittled.
I was given the contract information for an automated network. Told to call talk to somebody else.
Now I have a trial, and wake up to more derogatory dings on my credit. For the same debt, the day after court. Just days after the previous one.
There employees are intentionally causing unjustified harm to my credit and well being. Because I didn't simply comply with their request to pay XXXX $ I am Worried that they will not stop until someone intervenes.
How can they continue to batter me? The debt hasn't been payed in years? How can the make current derogatory records repeatedly, stating im missing payments..
The company sold the debt. Midland credit had never formally identified themselves or my debt.
In XXXX and a pandemic. This is XXXX.
|
| 08/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1.I have never had an account with this company MIDLAND CRED XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MIDLAND CREDIT MANAGEMENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
hi Midlandmcm ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Midland Credit Management purchased an old disputed debt from somewhere and started to aggressively try to collect on it. They called on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 with multiple calls through out the day to multiple people. They have started contacting my friends, my next of kin, with multiple call attempts through out the day to them, not just me. They have called from known numbers and from " Anonymous '' phone numbers. They have shared private personal financial information with third party about me, and about this old disputed debt. They have violated privacy laws.
I have submitted complaint # XXXX and XXXX about this matter, but it seems that CFPB is not for protecting me, it is unacceptable. The main point of contestation is that Midland Credit Management representatives called and discussed my debt and the collection efforts with my next of kin. That complaint got lumped together with the other and there was no action or resolution to my satisfaction. The company responded by providing statements from the original lender. That is not what is the issue at hand. Yes, I have had dealings with the XXXX XXXX clothing store credit card. That is not what I was complaining about. The representative from CFPB sent me those and closed out the case after Midland Credit furnished those to CFPB. What about the infraction of federal laws that prohibit aggressive collections tactics, calling several times through out the day?? What about the prohibition of discussion of the matter with third-parties?? My rights have been violated and the only thing I got from CFPB is that Midland Credit dug up some old statements and sent them to CFPB. That is unacceptable. Yes I have had dealings with that clothing store and their credit card, but I disputed the amount owed with them directly when I returned merchandise to XXXX XXXX, and then disputed the amount owed when I was not given credit for refunds for the merchandise and clothing brought back to the store, that is all irrelevant for the complaint here... I am petitioning that CFPB levy fines for the infractions of violating federal law of privacy and the tactics. My friends and family can and will attest to the fact that Midland Credit representatives called and discussed the matter, back in XXXX when I was avoiding their calls and sending cease-and-desist letters. Their representatives violated my privacy and violated federal laws at that time.
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on my 3 credit reports, is showing incorrect information. Basis for the dispute : 1. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current. ( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1700.00} } and the account is listed as " past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of XX/XX/2018 as Midland is not a creditor and I do not have any installment agreement with Midland. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f. I have contacted Midland on three different occasions to have this removed.
|
| 10/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies.
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim.
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim.
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions
|
| 12/04/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!
|
| 06/04/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 06/28/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management has been trying to collect on a credit card debt I had accrued on a XXXX..
The debt letters they sent me stated that my max percentage of discount I could receive would be 20 %.
The mother of my children who 's lived with me for XXXX years also has some credit card debt with XXXX . Frankly it 's more my debt, but anyways point is, it 's ALSO in collection status and also with Midland Credit Management.
The offer she was given was 40 %. When I contacted MCM management the supervisor acknowledged that our accounts are not being given the same discount percentages. Instead XXXX tried to negotiate with me. He was negotiating terms like a salesperson at a commisions based electronics store ....
When I asked him to match the 40 % discount given to my wife, he said being in my shoes he would do the same, however, he was unable to provide me 40 %, only 35 % and the reason for it was because my account was in some other type of department or status, that was all he could say.
When I told him that negotiations were not part of why I was calling, he tried to tell me to basically take it or leave it, and even told me to hang up the phone, it made no difference to him.
I repeatedly expressed my desire to make a payment agreement of either 40 % XXXX time payment or 35 % XXXX payments before we got off the phone. The offer which was made to me prior was 30 % at XXXX payments ( 50 % each ) to pay off the balance. One supposed to be made on XXXX XXXX and one for XXXX XXXX ...
However, XXXX XXXX felt it was better to try and negotiate percentage points with me. He would NOT accept ANY arrangement asked by me. Instead everytime I would ask him if they would accept a deal, they would instead just counter with a lower percentage, and would require it as a 1 time payment.
Tired of this harassment, I told them to cancel ALL payment agreements until I was given the correct percentage discount off my debt that my wife was receiving for the same creditor/collection agency.
I urge for your assistance with this matter, to prevent this company from allowing to continue doing business as it is currently. They have poor training it seems at MCM on how to deal with consumer debt as I was literally negotiating with a high level supervisor over a matter of 1-3 % at times ....
Ultimately they failed to match the discount given to my wife, so I canceled any payment agreements until they get their act together.
|
| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX th I received a call from caller restricted, and I thought it was the police so I answered it ended up being Midland credit management a debt collection agency. I had XXXX person talking to me about my debt, and then another person who claims she was A XXXX jumped on the call because I was in pre-legal status, and they wanted her on the call because it was serious. She continued to threaten that my credit would be harmed that I would be sued despite my saying that I had a XXXX XXXX, who was requesting physical proof that I owe this debt before he negotiated, she proceeded to continue to threaten, harass and argue with me and claim that they sent XXXX letters through the USPS that I have not received. She asked me what I wanted them to do because I have not received letters they sent that is not on me that is on the debt collection agency to provide the burden of proof that I owe them this debt. She continued to threaten to sue me for my supplemental security income and my student loans both of which are untouchable cuz I know my rights due to my XXXX XXXX informing me that those sources are legally untouchable and I told her as much and then she proceeded to start to tell me you know what so I immediately ended the conversation by telling her all future contact will need to go through my XXXX XXXX and my XXXX XXXX has said there will be no future contact if they can not provide physical proof I owe this debt which they have failed to do so to date. I am not responsible for the usps failure to deliver their letters if they actually mailed them. It is not on me to provide my own proof of debt when I specifically requested the company provide physical proof I owe this debt at the request of my XXXX XXXX. My old XXXX XXXX also received a call a month ago from midland credit management threatening to sue over debt but they never identified the client they were calling about but she informed all her previous clients she knew may have debt due to pandemic issues. Please investigate midland credit management for harassment, threats of lawsuit, or seizing bank accounts of people who receive supplemental security, income and student loans and threats of credit harm when refusing to provide physical proof to the client, they owed the debt at the request of the clients s XXXX XXXX. I refuse to be bullied by debt collectors trying to take advantage of people with XXXX and not follow laws laid out for debt collectors.
|
| 07/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and in fact after 2 certified letters asking for validation have changed their correspondence address and reported this account with new dates. Please note that they have not provided me with documentation showing any type of agreement between me and the party. I have never had a agreement or any type of credit with this company EVER. After doing research on this company I noticed that Midland has been to court several times with various states and agencies. The court documents stated that Midland claimed to have a copy of the consumer agreement for all consumers who owe them. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. Theyre known to bully consumers and sue consumers all the time. I have attached a copy of my letter to them along with signatures. Please be advised that Midland has FAILED TO respond to me as outlined below : 1. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of the original creditor in writing, the collector must cease collection efforts until he verifies the debt, or identifies the original creditor and mails a response to the consumer. If the consumer 's request for verification of the debt was made in accordance with Section 809 ( b ) of the Act, the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that " the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. '' In situations contemplated by Section 809 ( b ), the Act imposes the obligation to furnish verification before the collector resumes collection efforts. In the event the collector decides not to pursue the collection efforts, there is no requirement to furnish the documentation of the indebtedness to the consumer. In the event that collection efforts are resumed, the requirement to furnish verification to the consumer prior to resumption of collection remains. Once again please note that Midland has failed to respond to my requests or provide any documentation to the validity of this reported debt.
|
| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX Midland Credit Management Inc timing to resolve a dispute on an alleged account is unacceptable. As of XX/XX/2023 I submitted a claim here with the CFPB stating I told MCM inc to cease and desist and they did not take me seriously. 15 U.S. Code 1692c ( C ) has been violated by MCM Inc and my FDPCA rights has been violated. Second As 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given MCM Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. MCM Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. Third MCM Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Fourth MCM Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXX Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. MCM Inc shall provide a signed valid contract with these terms including A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. If MCM Inc fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
|
| 05/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/19/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have contacted Midland Funding about my account as I am trying to clear up my credit. I first called last week in regards to the balance on my account. My credit report showed that I owed {$110.00}. When I called in they told me that I owed {$360.00}. They were unsure as to why the credit was reporting differently than what they had. I then reached out the their credit department, which I tried called five times and never could get through.
Since I could n't get through I went online and disputed on XXXX XXXX the account and it 's inaccuracies.
This morning, XXXX XXXX, I logged in to see that the Midland Funding account had closed. To follow up with Midland I called to confirm the account is closed. They told me that the account was not closed and that I still owed {$360.00}. I explained to the lady that XXXX reported that the account was closed and Equifax was still reporting the {$110.00} balance. She told me that information was wrong. She put my through to the credit department. They lady told me that she did n't know any of that information and that she 'd have to reach out to find some answers. She told me to call back. I told her that she would need to reach out to me as I 've tried reaching out to them multiple times.
I explained to this lady that I no longer wanted my payment plan in action as things do n't seem to be right. She put me back in contact with the department who deals with this. The gentleman canceled my payment information and told me first that I owed {$340.00} and then later told me that I owed {$360.00}. I explained my frustration being told that I owe XXXX different amounts ( {$340.00}, {$360.00} and {$110.00} ). He looked into my account more and then said " oh, I see that there 's XXXX different starting balances ... maybe that 's the issue. '' I then asked to speak with a manager. I explained the situation and the manager asked, " So what 's your concern? '' Really?!?!? This is ridiculous. I 'm being told that I owe XXXX different amounts to there company and XXXX is showing the account closed.
I feel that this company is being very shady and does n't know what they are doing. I should have a clear idea of what is owed to them and if XXXX is showing this closed I should n't be paying them anymore money.
They are very unorganized and every time I call in they are giving my different information. This is very unfair to the consumers and makes me wonder if they are ripping me off.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint submission is in regards to a false credit report by ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and stated they will not cooperate in a Debt Validation. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023 and XX/XX/2023, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, Midland Credit Management are violating my rights and are also causing financial hardship with this debt being reported. This false report by Midland Credit Management has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
|
| 09/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been sued by Midland Management Inc and since XXXX of XXXX theyve been aware that the account is fraudulent. In XX/XX/XXXX I mailed a notarized Sworn Denial. Which I also filed with the courts prior to our first court date XX/XX/XXXX.
They continued the court date to find the proof of ownership I was requesting. To XXXX XXXX in between that time, I learned unequivocally through the XXXX breach that the account was fraudulent and filed an FTC fraud complaint as requested.
Notified midland with a copy of that FTC report as well as the XXXX breach notification in an overnight tracked mailing XX/XX/XXXX. I arrived for court XX/XX/XXXX to which I was told by their attorney they want to work out a payment plan with me.
When I notified this attorney whom was different than the last of the fraud the attorney said theyd speak to me about it. Midland continued the case to XX/XX/XXXX.
I filed a XXXX complaint and have filed a complaint with the attorney general since before XXXX court date. As Midland has been sued by the TN attorney general for this very thing Im writing about.
Nothing has stopped them from continuing to harass me through the courts and extending the court date every time I show up. So they can as they keep putting it to find proof I own the account.
I showed up for the XX/XX/XXXX court date. Certain that with having sent a cease and desist letter in XXXX, demanding that they either furnish the original physical signed documents or stop all collections against me and I got ZERO response from midland, until I walked into the courtroom XX/XX/XXXX that it would be dismissed.
Not only did I send them this letter but the attorneys office Ive had to hire due to Midlands harassment sent them a letter. To which they havent responded to my knowledge.
Did Midland management dismiss NO! Theyve continued it AGAIN! Through another temporary attorney to XX/XX/XXXX! Citing THEY want 60 MORE DAYS TO PROVE ITS MY ACCOUNT!! This is bullying and outrageous! THIS IS ILLEGAL! Theyve been harassing me since XX/XX/XXXX! Thats SIX MONTHS NOW!!
I filed an FTC fraud report in XXXX, placed fraud alerts on my credit and Midland continues harassing me, stressing me out and taking me from my frontline job, costing me time and money and being able to actually deal with the multiple breaches on my credit. Because Im too busy fighting them on a FRAUDULENT account that MIDLAND knows and have known is fraudulent!
|
| 09/19/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
in XXXX Asset Acceptance LLC won a default judgement in court against me, I was not even notified that there was a court hearing involving me nor did I know about the judgement. I was unaware of this until just last year XXXX. In XXXX I recieved a notice that my wages were being garnished by Asset Acceptance LLC in the amount of {$5300.00} XX/XX/XXXX. I have no idea what this debt is for because there was no way I ever could of owed this amount considering I never had any credit over the amount of {$500.00} due to my credit and that was still long ago. It also would not add up to XXXX. They garnished me and still are currently garnishing my paychecks and I still have not been told what this debt is for. I then got a second notice that dated XX/XX/XXXX calculating debt at {$6100.00}. The amount had gone up suddenly after they had been garnishing my checks already which is not possible at all. I thought it was strange so, I looked up the case by the number on the garnishment papers and from what the court shows on file is that Asset Acceptance LLC won a default judgement in XXXX and that the monetary awarded amount was {$3400.00} and had sent garnishment papers to several banks or something thinking I worked for these banks and were told I did not. I never have worked for any bank so, not sure where they thought I had. as well I had plenty of jobs from XXXX until currently that they could of garnished wages from yet, never had. The court case they have listed on the papers also is stated as CLOSED. So, not only are they garnishing me f something I dont even know what it is for, they also are garnishing me from a closed case from XXXX in which the amount that was awarded was XXXX, yet, they are garnishing for XXXX now after they have already garnished me for almost a year and gotten at least XXXX from garnishing me already after first listing the amount owed as XXXX. I think this company is fraudulent and garnishing my wages for a old judgement that is now long been closed and they are changing the amount of debt owed and increasing it even after they have gotten payments garnished for nearly a year. They also were only awarded XXXX in the judgement by the court so, why are they trying to collect almost twice as much. There is obviously something very wrong here and they are trying to collect far more than they are suppose to that is if they can still collect on a closed case from XXXX, which I dont think they can.
|
| 05/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
THIS IS XXXX XXXX. I cerify that i am the natural person XXXX XXXX so i shall be addressed as such. therefore i demand that you recognize me as the authorized representative and only me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY helping me so LET THAT BE CLEAR. I am a victim of Identity Theft & fraud. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. BloXXXX and remove them. if I consented to these inquiries, please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist.
I demand that the following account be verified or removed immediately : 1. FDCPA SECTION 807 Violation Misleading False Reporting I did not authorize this Inquiry XXXX/XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
2. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted.
3. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted.
4. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT MIDLAND CREDIT MANAGEM Status Date : XX/XX/XXXX As a Consumer by law this account must be deleted.
XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n.
Thank you, XXXX XXXX
|
| 09/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Re : Complaint Regarding Wage Garnishment and Unauthorized Withdrawal by XXXX XXXX XXXX, XXXX on Behalf of Midland Credit Management , Inc .
Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding an ongoing issue with XXXX XXXX XXXX, XXXX and Midland Credit Management , Inc .
I reside at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and my contact number is XXXX. Recently, I have experienced significant financial distress due to an unauthorized wage garnishment initiated by XXXX XXXX XXXX XXXX on behalf of Midland Credit Management , Inc . This matter has caused undue hardship for me, as I do not owe any money to any company or entity associated with this garnishment.
Here are the details of the situation : XXXX XXXX : Cause No. : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Withdrawn : {$3600.00} Legal Order Debit Contact : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Case # : XXXX I would like to emphasize that I have never had any dealings with Midland Credit Management , Inc. and have never incurred any debt with them or any other company. It appears that there has been a grave error or misunderstanding in this matter, leading to an unjust wage garnishment and unauthorized withdrawal from my bank account.
I kindly request your assistance in investigating this matter and facilitating the return of the wrongfully withdrawn funds to my account. Additionally, I seek your intervention to ensure that XXXX XXXX XXXX XXXXXXXX and Midland Credit Management , Inc. cease any further actions related to this erroneous garnishment.
Please find enclosed copies of relevant documents, including bank statements, withdrawal records, and any other documentation that may aid in your investigation. I am more than willing to cooperate fully and provide any further information required to resolve this issue promptly.
I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I humbly request your assistance in resolving this distressing situation. I look forward to a prompt and satisfactory resolution of this matter.
Thank you for your attention to this urgent matter. I can be reached at the phone number provided above, and I am available to provide any additional information as needed.
Sincerely, XXXX XXXX XXXX
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or around XX/XX/XXXX, I received a notice of writ of garnishment against my wages, although I was currently on a payment plan paying {$50.00} per month and had made my payments on time, in which the payment plan was set up in XXXX through the companies website and confirmed and they started deducting on an Auto Pay schedule. The amount listed on the writ of garnishment was {$730.00}, the amount reflected on their website was {$550.00} I believe. I called Midland regarding the garnishment and was told that they would file a release of garnishment since I was indeed on a payment plan and current on my plan. Two weeks later I called back to Midland to find out if the garnishment had been released ( since my payroll was due to garnish the full amount of the writ on XX/XX/XXXX ) I was told at this time that the garnishment release had not yet even been signed by the attorney ( in which I was assured it would be at the beginning of XXXX when I called the first time ). On XX/XX/XXXX another payment was taken via Auto pay of {$50.00} from my husbands checking account. I called to find out about the release again and was told it had not yet been processed. At this point it was too late to have the garnishment released in time not to be pulled from my upcoming paycheck, I spoke with a gentlemen and he agreed to stop my autopay of {$50.00} per mo since I knew at this time I would be way over paid when my XXXX funds reached there office. I received a notice from my employer that the full amount had been deducted for the XXXX {$730.00} - I called today XX/XX/XXXX to find out if the XXXX was ever released, additionally, if my funds had been received in their office yet, and what the process is going forward due to this oversight ( XXXX ) - I was told since my payment plan was cancelled I now owe them {$600.00} because I no longer qualified for the discounted amount ...... I was never told this when my payment plan was cancelled. Not only did this company submit a garn for well over the amount due, continued to collect monthly payments, now they added an additional {$100.00} or more dollars to my debt which I will have no choice but to pay since my garnishment funds will be well over what I owe. I feel this is deceptive practices, they continued to collect while submitting a garnishment taking them over 25 % of my income, and now refuse to honor the payment plan amount that I was never late on until they garnished me.
|
| 11/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
|
| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Midland Funding is attempting to serve me with papers regarding a lawsuit they intend to bring on me for a debt I owed, and they purchased from, XXXX XXXX. The credit card was charged off by XXXX in the amount of {$3400.00}, in XX/XX/XXXX. I had no idea they sold the debt to a collection agency as I received no notices from Midland. I received a phone call from a process server on XX/XX/XXXX telling me they were looking for me to serve me papers, and the man told me he would be by my house later in the evening to serve me. He never showed up.
The next day on XX/XX/XXXX, I took a look at my credit report and tried to figure out who would be trying to serve me and for what reason. From looking at my credit report, I can see that Midland must have purchased this debt from XXXX in XX/XX/XXXX. However, I only just now became aware that Midland inserted themselves in this matter because of what I saw on my credit report, so I called Midland to ask if they were the ones trying to serve me. Midland confirmed they are trying to bring suit against me, and I asked them why I hadn't received any notices in the mail before it had gotten to this point. The man on the recorded line admitted that they had a " bad address '' for me, as well as a " bad phone number '' for me, then read me the address he had, and it was off by 1 number. I told him I was not the one that furnished this " bad address '' to them, as my business was with XXXX, not Midland, and I assured him that XXXX DID have my correct address, as I did receive communications from them previously. The representative at Midland told me now that this had been taken to the extent of a lawsuit, there was mot much he could do in negotiating a settlement.
I believe this to be unfair, as I never received notices from Midland and I know that had I received them, I would have had an opportunity to settle this amount for a lot less and not deal with a lawsuit. I'm not disputing the debt itself, I'm disputing the way they are going about this. They admitted they didn't have the correct address or phone number for me. And how would they not have my correct address or phone number to contact me regarding the debt, but they had it to give to the process server to attempt to serve me papers? Something isn't adding up here and I want my fair opportunity to settle this debt as anyone else would have had the opportunity if they were at a correct address or phone number.
|
| 02/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland Credit Management XXXX : Consumer Support Services XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX, I have recently received a notice that Midland was zeroing out the account in their office that was falsely reporting to my consumer report. Since XX/XX/2021 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX Bank as I know that this company purchased that debt thats already been written off and was attempting to collect it from me illegitimately.
I have not now, nor have I ever done business with Midland Funding. For them to park this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove this account.
Now that it is removed, I demand that Midland pay me what is owed to me according to law. I have actual damages and there are {$1000.00} violations attached to each time is was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms that have been mailed to me over the past year in support of your wrongdoing. It all stems from the false misrepresentation of Midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well. Your choice.
I have dealt with this harassment for long enough. For far too long my character has been defamed by the comments left by Midland on my reports against my efforts to resolve the situation outside of XXXX court. I expect a settlement offer within XXXX days of this notice or further legal action will be initiated.
I have enclosed XXXX pieces of evidence that proves just how long I have been fighting and the type of response and willful non-compliance I was getting from Midland in response to my disputes. You should be ashamed of yourself XXXX. Talk Soon.
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Third warning Dear XXXX, I am writing in response to your letter regarding Case # XXXX. I am XXXX XXXX XXXX XXXX and i am contesting the allegations made in your letter.
Firstly, XXXX XXXX insists that he is unaware of the debt you claim he owes. The mere mention of a " charge off '' does not validate the debt. We require further proof of this debt, including the original contract, a detailed payment history, and a full set of billing statements. While you argue that these are not required under the Fair Debt Collection Practices Act ( FDCPA ), they are essential in confirming the legitimacy of the debt.
Secondly, XXXX XXXX disputes that he received the validation letter you claim to have sent on XX/XX/2022. The fact that the letter was not returned as undeliverable does not necessarily mean it was received by XXXX XXXX. We request proof of delivery to confirm that the letter was indeed received by him.
Thirdly, XXXX XXXX 's phone number is registered on the national XXXX Not XXXX XXXX. Your assertion that your company is not a telephone solicitor and does not engage in telephone solicitation does not exempt you from the FDCPA 's prohibition on contacting consumers at inconvenient times or places. If XXXX XXXX did not give you permission to contact him, any calls made to him could be considered a violation of the FDCPA.
Furthermore, we have become aware of unauthorized use of XXXX XXXX 's personal information, which is in violation of the provisions set forth in XXXX XXXX XXXX, also known as the XXXX XXXX ( XXXX ). This law protects the privacy and security of individuals ' non-public personal information. We demand that you immediately cease and desist from any further collection, disclosure, or use of XXXX XXXX 's personal information. Failure to comply with this demand will leave us with no choice but to pursue legal action.
We request that you provide us with written confirmation within XXXX business days from the date of this letter, stating that you have ceased all unauthorized activities involving XXXX XXXX 's personal information and that you will take all necessary steps to ensure the information is securely destroyed or returned to XXXX XXXX.
In conclusion, we demand that you provide further evidence to validate your claims. Until such evidence is provided, we maintain that XXXX XXXX is not obligated to pay the alleged debt. We anticipate your prompt compliance and cooperation.
|
| 12/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The problem over these lasts days me and my husband have been trying to do a settlement but it seems that they don't take it serious as they seem to take our personal financial problems as some kind of joke like for example when the supervisor asked my husband why did he wanted to help me with my debt and he responded because she's my wife the supervisor just did a quick mock laugh and obviously after telling the representative the situation that we are in and hearing him doing a quick mock laugh it just made us feel so bad and sad because we are going trough a hard time already and been treated like that by someone that is supposed to treat us with respect but instead get treated the way we got treated we just felt taken as a joke, Also I feel that the way and tone that they ask their questions is not very good as I could say and no other person should be treated like we where during that call, we've also made three calls before that one and one after that one that is a total of five calls that me and my husband have been trying to tell them to please remove me from the XX/XX/XXXX phone line and that I would like to speak to a domestic representative, I've made myself too clearly with them but for some reason they just say that they have done it and I feel that they they have just put a note on my file to speak in XXXX because when I called for the forth time we were told that they where not domestic and when my husband called last time to XXXX XXXX her direct number XXXX and asked her twice if she was a domestic representative she tried to cover herself saying that she was someone that could help me so my husband had to ask her like two or three times I don't remember how many to be honest and she said the same thing and them said that she was not domestic or as I remember can remember I've just been trying many times to get a settlement offer of {$450.00} to settle in full as a one time payment with someone serious that could really help us because I'm not sure if they're even saying the truth to me since I've caught them trying to lie to me and my husband or if the last deal is really the last because I know that they can go lower considering our situation and the fact that we feel not treated serious makes me feel unsecure to deal with Midland, also I don't know why I was put in the XXXX line first of all, It may be because of my name but I want to make clear that I'm not soo good with XXXX.
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 01/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 01/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Midland funding To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX..
Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.
At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 11/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
In XXXX of this year, my wife of XXXX years of a happy marriage passed-away from a long, lingering illness. As is the case with such long marriages, we had divided our household responsibilities and assumed the care of various elements individually.
In this case, my wife took complete care of all our finances, including banking, installment loans, credit accounts, utility bills and the like. I had no input or knowledge of such activities during our long marriage, except to say that I trusted my wifes judgment in such matters completely.
Upon her passing, I had to take over the responsibility for such matters myself. Although she left me good records, I was not privy to her decision-making process, and so I did not know the particulars of any such matters. This is not to be construed as a criticism of my wife, it is only a statement of how we conducted our affairs as a couple.
Upon researching our banking and credit matters, I discovered that my personal credit rating was rather low, and I found that I was being associated with an unpaid debt, XXXX which I found no mention of in my wifes financial accountings.
It is about this alleged debt that I write to you today. Midland Funding has a claim against me on my credit report. I have asked them, in writing, to substantiate that claim, but they have never done so. By that, I mean I have asked them to send me any evidence that I personally participated in this alleged account.
I have asked for anything that evidenced a signature, a contract, anything that I might have personally done to incur this indebtedness, but they have not provided that to me. They send fragments of computer records, but those are so susceptible to fraud as to be unreliable indicators.
I have disputed this alleged claim against me several times, using the credit reporting agency dispute process, but Midland simply says that their records are correct. Their continued reporting of this alleged debt against me, without proof of my involvement, continues to defame me and reduces my creditworthiness.
Therefore, I have taken this extreme measure to ask that the people to whom I have addressed this letter require Midland to either produce concrete evidence of my personal involvement or remove the claim from my credit report.
With respect, I sincerely request that the claim against my reputation be removed if Midland can not substantiate it against me personally.
|
| 07/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 ) XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX
|
| 05/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently submitted a complaint with cfpb against Atlantic Credit and Finance. That complaint was closed because they said the debt was recalled and to reach out to Midland Funding LLC, even tough Atlantic Credit and Finance is a subsidiary of Midland. Now I am making a formal complaint with Midland Funding LLC.
In XX/XX/XXXX, I received a collection notice from Atlantic Credit & Finance Incorporated, attempting to collect a {$17000.00} debt. I had no knowledge of my rights to verify collection debt with Atlantic Credit & Finance Incorporated before giving them access to my bank account to auto-debit the monthly payments.
On XXXX XXXX, I tried to contact them with my NY Department of Consumer Affairs financial counselor, waited on hold for 15 mins before being directed to a voicemail. Again, on XX/XX/XXXX I conducted another three way call and attempted to contact Atlantic Credit & Finance by phone and got no response. I left a voicemail, but never received a call back. I then proceeded to their website and attempted to contact them via their inquiry portal and was able to submit my inquiry but never heard back. On XX/XX/XXXX, I received a notice that Atlantic Credit & Finance Incorporated transferred the debt to Midland Credit Management/ Midland Funding , who reported the debt on XX/XX/XXXX at {$16000.00}. On XX/XX/XXXX, I received a new notice stating that I was on a payment plan and that my new balance owed is {$5600.00}. I never spoke with Midland Credit Management/ Midland Funding to speak about a payment plan, nor did I provide them with any information regarding my checking or savings account for this payment plan. On XX/XX/XXXX, an ACH-debit from my checking in the name of " Midland Funding LLC '' was successfully able to withdraw from my checking account. Since then, I have contacted my bank and placed stop payments on both " Atlantic Credit and Finance '' and " Midland funding LLC ''.
The original creditor is XXXX XXXX. This debt does not appear on my credit report : the debit, my payments towards that debt, or any mention of Midland Funding or any of its subsidiaries ( Atlantic credit and finance ). In total, there has been a debit of {$2000.00} from my personal checking account as referenced from my personal accounts and the " Recent Payments '' section on their most recent account statement under the name " Midland Credit Management '' ( please see attachments XXXX.
|
| 03/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
AFFIDAVIT OF TRUTH XX/XX/XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT : XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : The Truth in Lending Act is intended to inform consumers about the cost of credit. The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( D ) ( XXXX ). the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Addition on XX/XX/XXXX Midland Credit Management stated this account was Cease and Desist.
|
| 06/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Over 2 years ago, I set up payment arrangements on an old credit card debt. A condition of the payment arrangement was that the payments be automatically deducted from my bank account. For over 2 years, MCM has taken {$150.00} out of my account on the XXXX of each month. In XXXX, 2018, I received a notice from MCM ( XXXX XXXX XXXX XXXX that I was in default for not having made my XX/XX/2018 payment. I checked my bank account and had had more than enough funds on XX/XX/XXXX for the payment. For whatever reason, MCM did not process the payment. I contacted MCM on XX/XX/XXXX. At that time and in the letter, they told me I was in default and a judgement was being entered against me. I reiterated that it was their error, not mine. They informed me that I would need to pay the " default '' and only then would they agree to reinstate the payment plan. They also stated that it was " already filed in the court ''. I explained to them that I have my payments auto debited and whatever funds I have remaining at the end of the month is what I know I have to spend on food and gas, etc. They acknowledge that they made the error but refused to resume the payment plan beginning the next scheduled payment ( XX/XX/XXXX ) unless I paid them {$300.00}. They are refusing to re-establish a payment plan because " I '' defaulted on the loan when in fact it was their error, they acknowledge that it was their error and they don't care that because I have my payments automatically withdrawn from my account that I know that at the end of the month, whatever funds are remaining in my account are funds available to me for life 's necessities. They have refused to reinstate the payment plan and said a default judgement is being filed against me. I asked repeatedly to be transferred to an attorney which initially they refused to do because " all of the attorneys are in a meeting '' and I asked to be transferred anyway at which time they told me that there wasn't a phone for the attorneys. I became irate and they finally said they would transfer me to the attorney. The message on the attorney 's line was " to leave a message for me, please call XXXX. '' That number ; however, is the number for MCM. MCM has acknowledged that it was their mistake. I am more than willing to resume the payment plan beginning the next scheduled payment but they have refused and said a default judgement is being filed against me.
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX Subject : Disputing Fraudulent Account - Account Number XXXX Dear Sir/Madam, I am writing to dispute the existence of an account with Midland Credit Management under my name. After reviewing my credit report, I discovered that an account with the account number XXXX has been reported by your organization. However, I have no knowledge of this account and believe it to be a result of identity theft or a mistake.
I am a victim of identity theft, and it has come to my attention that several fraudulent accounts have been opened in my name without my authorization. I have taken immediate action to address this issue by notifying the relevant financial institutions and filing a police report ( # XXXX ). As part of my efforts to rectify the situation, I am requesting that Midland Credit Management conduct a thorough investigation into the account in question.
Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent account, as well as any other relevant information that may aid in your investigation. I kindly request that you review this documentation and promptly provide me with a detailed explanation of the origin of the account and any associated transactions.
I would also appreciate it if you could take the necessary steps to remove the account from my credit report and cease all collection activities related to it. It is crucial that my credit history accurately reflects my financial responsibility and is not negatively impacted by fraudulent accounts.
I understand that additional information or documents may be required during your investigation, and I am willing to provide any necessary assistance to resolve this matter promptly. I request that you communicate with me in writing to ensure a clear and documented record of our correspondence.
Please inform me in writing about the progress of your investigation and the actions taken to address this fraudulent account. I appreciate your attention to this matter and your commitment to resolving identity theft issues.
Thank you for your immediate attention to this dispute. I look forward to your prompt response and a satisfactory resolution.
Sincerely, XXXX XXXX XXXX
|
| 07/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date.
I have been going round and round with Midland Funding and XXXX/XXXX with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a XXXX complaint.
After numerous attempts with Midland and XXXX directly, I filed a XXXX complaint in XXXX XXXX, information received from Midland on XXXX/XXXX/XXXX, rebuttal sent back on XXXX/XXXX/XXXX and a final response on XXXX/XXXX/XXXX. I received comments from XXXX on XXXX/XXXX/XXXX, sent a rebuttal on XXXX/XXXX/XXXX, and then a final response on XXXX/XXXX/XXXX.
XXXX advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse.
Midland is stating that they opened the account in XXXX XXXX, but XXXX sent me a letter stating that they did not sell the account to Midland until XXXX XXXX. Additionally, Midland is reporting differing dates of delinquency, etc.
My husband is a XXXX veteran, and we are in the final stages of getting our VA Home Loan approved. Based on the inaccuracies with Midland Funding 's reporting, our mortgage " tri-merge '' is not coming through clean. We have XXXX bureau reporting XXXX as an OPEN creditor ( not collection agency ) that shows updates each month. This is a " Paid in Full '' account that was closed in XXXX XXXX, yet it shows " pays as agreed '' each month now. And even after these numerous updates, I now have a XXXX XXXX update on XXXX bureau that shows up as a Collection activity for XXXX XXXX ... again, on an account that was closed last year. This was again verified as " accurate '' today, XXXX XXXX, XXXX and shows XXXX days late for XXXX XXXX. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the " accurate '' picture is.
|
| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A summons was presented tome on XXXX XXXX at XXXX XXXX to appear remotely in small claims court for pre-trial mediation over failure to outstanding credit card fees to the debt collect agency Midland Credit Management INC.
I had no idea that I owed anything to this company. I appear in court remotely on XXXX at XXXX XXXX for mediation, and denied owing charges that had accrued on the credit card in questioned. The credit card that I had owned I thought I had paid off in XXXX. The credit card in question was still active until XXXX. The Judge ordered us to talk it over, and we exchanged phone numbers. The lawyer representing Midland Credit Management INC. gave me a case number to reference when we called and the mediation was ended. I thought it was strange that the phone number that was given to me had an 555 area code. Usually, that's a false phone number.
The next week, after looking through all of my files and finding past bills belonging to the credit card that I possess, I called the number that was given to me. The call would not go through as dialed. After calling the number several times, I did a reverse phone look-up, and the phone number didn't exist. I contacted my lawyer and he recommended that I find some way to contact Midland Credit Management INC. and this situation rectified ASAP! So I call the agency and got a representative. I gave him the reference number their lawyer gave me ( twice ). That account did not exist. The rep. asked for my SSN. I hesitated but I gave it to him. He pulled you my name, and it was then I discovered that the account number didn't match that of the account of the card I had in my possession. Both cards are duplicate cards issued by the same company, active at the same time, only the card that I have in my possession was a Mastercard issued by XXXX, and the other duplicate card was issued when, no one can tell me.
When I told this to my lawyer, he attempted to get information about the individual representing Midland Credit Management INC. from the Clerk of the Court in XXXX XXXX, FL, only to find out that his name is not even on the court documents. There is no reference of him. So, the number he gave me is false, the reference number he gave me is false, and the account for which I'm currently being sued or was summoned to court for is not my account due to the fact that someone may have stole my identity back in XXXX.
|
| 03/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX had gotten a Warrant in Debt issued back in XXXX. I was not served said Warrant in Debt until XX/XX/XXXX for a court date that was scheduled for XX/XX/XXXX. When I called XXXX XXXX XXXX, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from XXXX XXXX XXXX regarding the repayment. On XX/XX/XXXX, I called and spoke to a few representatives at XXXX XXXX, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was received. I called again on XX/XX/XXXX and was told the same thing. On XX/XX/XXXX, I received a credit alert from a monitoring service stating that they had taken out a judgment. The judgment was marked paid in full after contacting the CFPB regarding the matter due to XXXX XXXX using false statements to garner the judgment.
I have contacted the CFPB on this matter several times. On XX/XX/XXXX, I received notification from my employer that I had a wage garnishment issued by XXXX XXXX on XX/XX/XXXX. I was never given any paperwork regarding the garnishment order other than an electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CFPB due to both XXXX XXXX and XXXX XXXX having made ZERO contact with me in the process. After contacting the CFPB, on XX/XX/XXXX and XX/XX/XXXX, the money garnished from my wages,, totaling {$470.00}, was paid back to me by my employer per a resolution that was reached by the CFPB.
Now on XX/XX/XXXX, I received yet another writ of garnishment from XXXX XXXX regarding this same matter. I have not received any contact from XXXX XXXX over this matter, nor have I received any contact from the " XXXX XXXX XXXX XXXX '' group who is representing them. The only notice I was given of the writ of garnishment was an electronic notice from my employer. The notice states that they are deducting 25 % of my wages from XX/XX/XXXX until XX/XX/XXXX. The notice pointed to a court record which is a hearing date which is scheduled for XX/XX/XXXX. XXXX XXXX and XXXX XXXX both have actively sought out a garnishment without having a hearing prior to the matter, and XXXX XXXX has already had a resolution in place regarding this issue as of XX/XX/XXXX.
|
| 05/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management, for committing identity theft. I have never given Midland Credit Management, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Midland Credit Management and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Midland Credit Management any right to collect on this alleged debt.
I have never received any documentation requesting validation from Midland Credit Management, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
Your prompt attention and response are both requested and required.
|
| 10/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is in reference to an alleged debt Ive been harassed and abused by Midland Credit Management for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Midland Credit Management and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX Concrete F.C.U.V XXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant Midland Credit Management the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with XXXX and XXXX laws. Thank you for your attention to this matter
|
| 08/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My complaint is against Midland Credit Management , Inc .
The creditor Midland Credit Management forwarded the debt collection to law firm XXXX XXXX XXXX for legal action. The case was to be filed with XXXX XXXX municipal court on or around XXXX XXXX.for the amount of {$12000.00} I contacted XXXX XXXX XXXX on or around XX/XX/2022 And settled the account with a one time payment offer of {$10000.00}.
The account was closed and the case through XXXX XXXX Municipal court was dismissed XX/XX/2022.
I was told at that point to wait approximately 2 weeks for the activity to reflect on my credit report as paid.the communication would be sent to Midland Credit Management from XXXX XXXX XXXX.
XXXX XXXX XXXX and XXXX XXXX clerk of courts sent me notification via U.S mail stating case was dismissed. XXXX XXXX XXXX sent additional receipts for payment, settlement and account closed.
I have monitored my credit since XXXX this account is still showing negative.
I have contacted XXXX XXXX XXXX 4 times requesting help on how to remove this from my credit they informed me that they Reported and informed mid land credit management that The account had been paid and there is nothing that they could do at this point. and that Midland management Was responsible for reporting the account not XXXX XXXX XXXX.
I have called Midland credit management weekly since XXXX. And have Escalated the matter to their customer solutions department. They continue to tell me it will be a 7 to 10 days and the account will reflect on my credit.
I have tried 2 times to dispute the credit reporting through XXXX XXXX. Midland credit management reported the balance being reported as accurate.
I have all the documentation needed stating this account has been satisfied. I offered to send it to midland credit management they stated notarized documentation from the clerk of courts and receipts from XXXX XXXX XXXX is an unacceptable form of proof.
I continue to call Midland credit management weekly and have the the same conversation. this account has been paid please Report it accurately on my credit report. they continue to tell me it will be removed/Reported accurately within 7 to 10 business days. It has not been.
This negative reporting on my credit report is impacting my credit score tremendously and is keeping me from being preapproved for a mortgage and a loan to send my daughter to college.
|
| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and XXXX XXXX & XXXX a Non-Government reporting company. Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX XXXX & XXXX a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX XXXX and XXXX have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of { {$1000.00} }. Midland Has Willfully damaged my reputation by reporting this alleged debt on my consumer reports and also sending alleged debt lawsuit to an incorrect address causing neighbors to view this embarrassment.
|
| 06/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on XXXXxXXXX lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The XXXX sq. ft. XXXX XXXX SUBDIVISION, TWO story building on sets on XXXX X XXXX LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4XXXX home XXXX bed, XXXX bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and XXXX data on XXXX. Location : XXXX XXXX, FL XXXX. Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot XXXX x XXXX ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property.
Falsifying Applications and Invoices. Lot XXXX Construction Fraud, XXXX XXXX of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U https : XXXX ...
|
| 07/22/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX I made an agreement with XXXX XXXX XXXX to settle a lawsuit from a credit card debt. At that time the amount to be paid was {$5800.00}. The agreement was for XXXX to take {$100.00} out of my bank acct on the XXXX of every month. XXXX said it was my only option because they did not accept checks being mailed in. Until XX/XX/XXXX they took {$100.00} from my acct. And then it stopped. I do n't know why it stopped even though a balance was still due. Nothing on my end changed the bank acct was the same ( I have had this account for almost 20 years ) and no contact was received from them, ( I have had the same phone number for 25 yrs and the same address for 17 ). Then on XXXX XXXX, XXXX I received a call at my office wanting to verify employment. When I asked what this was about I was told it was in regard to a judgment gotten against me by Midland Credit Management for violating the terms of the agreement. I was never notified about this, did n't even know that a court date was set up nor did I ever receive a phone call or letter from Midland about this. When I mentioned that I did not violate the agreement that they had stopped taking the money, and that all my information was the same, the person said it was my responsibility to find out why they stopped. Again none of my info changed so why is this my responsibility? She they said I had to pay the full amount even though they had collected over {$2900.00}. It took me over 4 hours of arguing with them and lots of lies on there behalf. All of which they kept blaming me for their error. I was told that I should have sent them a check and when I said that I was told they did n't accept checks I was called a liar. Finally I was able to speak to someone who claimed to be an attorney and who blackmailed me into paying them {$500.00} to make it go away. When I ask for the lawsuit to be vacated I was told NO. This is not right, now my credit which I have been working very hard to fix is showing a Judgment against me, which is not my fault. Again I have had the same bank acct. Phone number and address all for over 17 years so they could have reached me at anytime. This is not right, I was basically black mailed into paying a debt which they failed to collect, not that I failed to pay. I hope you can assist me in taking action against this company which I am sure I am not the only person they have done this too.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.
|
| 04/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
|
| 01/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from " Midland Credit Management '', dated XX/XX/XXXX, stating " We are trying to collect on your XXXX XXXXXXXX XXXX debt that you now owe to MCM. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to Midland Credit Management , Inc, which is now the sole owner of the debt ''.
This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe Midland Credit Management is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX XXXX XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter.
They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " XXXX XXXX XXXX XXXXXXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX.
The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct.
I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly.
Below I will list off contact info they have listed in the letter : Email : MidlandCredit.com Phone : XXXX Send payments to : Midland Credit Management , Inc .
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You may also call : XXXX ''
|
| 12/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been placed in collections on XX/XX/2018 by Midland Funding LLC for the balance $ XXXX. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.This is not a request for "verification" or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 {b} that your claim is disputed and validation is requested.I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:- What the money you say I owe you is for?- Explain and show me how you calculated what you say I owe:- Provide me with copies of any papers that show I agreed to pay what you say I owe:- Provide a verification or copy of any judgement if applicable.- Identify the original creditor.- Prove the Statute of Limitations has not expired on this account.- Show me that you are licensed to collect in my state.- Provide me with your license numbers and Registered Agent of Service.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (XXXX, XXXX, or XXXX) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.I would also like to request, in writing, that no telephone contact (including computer generated calls and calls or correspondence sent to or with any third parties) be made by your company to my home phone, cell phone or my place of employment.
|
| 03/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XX/XX/2020 MIDLAND CREDIT MANAGEMEN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 01/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a credit card through XXXX XXXX XXXX. My family was impacted my the Covid-19 pandemic. I called XXXX XXXX XXXX and asked for assistance. I spoke with a gentleman named XXXX, and he agreed to wave any fee 's for the time being, and to keep in contact with them. The next month bill come around and they tacked on the fee 's they had agreed to wave, but twice the amount. I called again and they said they would be taken care of. The fee 's never got removed but instead, kept doubling them and adding them on, for months. I got tired of it, and had the money to pay off the full balance, ( including their fraudulent fees ) from the Covid-19 pandemic stimulus check. I tried to make a payment online, and their system was down, so I called and spoke with a representative. She said the system was down on her end, and to call back in a couple days. I checked back a couple days later to make a payment online, and my account was locked. I then called the company, and they proceeded to tell me they sent my account off to collections, to Midland Credit Management. I had been signed up for E-billing which was posted on my account with XXXX XXXX XXXX. They declared they no longer have any documentation, so I now have no record of any payments made, or the documentation of the true balance in-which I owed. They prompted me to contact Midland Credit Management. I then contacted Midland Credit Management and told them I need all documentation and proof of the account that they have. They stated that they already sent the documentation, which they did not, because I hadn't received anything from them. I found out who the company was via XXXX XXXX XXXX. They refused to " re '' send copies of documentation to prove the debt.
The company XXXX XXXX XXXX, made fraudulent charges on my account, adding over {$500.00} to my true balance and will not provide documentation. The collections company, Midland Credit Management, has added charges to the balance, and refused to provide required documentation. I have no record of documentation because they locked me out of my account therefore, my documentations of proof, were washed away.
This is impacting my credit score, and my personal life. I feel as if I've been the victim of fraud, at the head of the corporate world, where they are feeding off of their weaker pray, whom has no leverage. I am prepared to speak with my attorney.
|
| 04/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself.
Copy of original complaint - still under review at MCM.
On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from Midland Credit Management or XXXX XXXX XXXX.
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.
|
| 07/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Today is XX/XX/XXXX and I am responding to communication from Midland Credit Management XXXX XXXX. Per response from this company, she stated that a notice was sent to me on XX/XX/XXXX to my address but attached a letter that was not from Midland. Please provide me with proof of this letter that was sent that I NEVER received.
Please be advised I have requested validation { not verification } of an item reported to you by the above original XXXX XXXX, I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
I am proceeding with legal action as prescribed by law against Midland Credit Management Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Sincerely
|
| 09/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f )
( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXMIDLAND FUNDING XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing; or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, Midland Funding LLC and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract.
Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, Midland Funding or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate.
FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, Midland Funding LLC 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies.
FCRA Section 621 : XXXX XXXX XXXX, Midland Funding 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ 100- {$1000.00}.
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.
Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud.
I have never had any dealings with XXXX XXXX XXXX, Midland Funding or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract.
I demand the immediate : Investigation of this matter by the CFPB.
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, Midland Funding and XXXX XXXX XXXX.
Compensation for my time and effort spent disputing this illegal account.
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered.
Thank you for your prompt and serious attention to this critical matter.
Sincerely, XXXX XXXX
|
| 01/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 02/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX has continually harassed me with debt calls they state that I owe them however I have never had a business relationship with this company. I called them and stated I would like them to send me proof of my debt to them and they never sent me any proof of any kind. They then sued me in the local XXXX XXXX XXXX XXXX XXXX. PA on XX/XX/17. I hired a third-party mediator to try to work with XXXX, first to prove the debt was valid and if so work out a resolution, but even they could not mediate a fair resolution because XXXX had no proof of validity on the debts owed. When my day in court finally came on XX/XX/17 I arrived to dispute the lawsuit ( after having to take the entire day off of work ) but XXXX nor any of their legal representatives even showed up. The XXXX Judge discharged the debt however XXXX filed an appeal and now has another lawsuit against me in the PA Court of Common Pleas. I simply can not believe this company can file a lawsuit and not show up for court and then file an appeal. I have lost time at work and wages due to these actions by XXXX, additionally I have been extremely stressed and risk losing my job due to their phone calls at my work and their harassing tactics. When talking to them on the phone they demanded a payment of any kind so the lawsuit could " go away ''. They are basically using scare tactics to extort money out of people. Unfortunately I landed in this situation because I am recently divorced and went through a very horrible separation and divorce and I do not know what to an exact degree what past debts are truly mine, my ex-wife 's, or both of ours combined and companies like XXXX are taking advantage of hard-working Americans like myself by using their attorneys and their power to try to bully people into paying them money in order to prevent being sued in their " shakedown '' lawsuits. After researching XXXX it appears this company buys bulk debts at rock-bottom low rates from down-on-their-luck people and then tries to go after them with these scare tactics, and despite being been found liable for illegal tactics in a multitude of class-action and other lawsuits they are still allowed to operate. The tactics that this company has used against me are despicable and are clear violations of abuse of process and consumer intimidation and I intend to file a federal lawsuit seeking damages.
|
| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| 03/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This is pertaining to Midland Credit Management , Inc. - Account # XXXX Under the Midland Credit Management Forgiveness and Hardship Guidelines found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question.
Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading MCMs Consumer Bill of Rights, but to no avail.
I am still unemployed and actively looking for work, however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores.
This account is now over XXXX XXXX XXXX, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, MCM has continued to add interest, further damaging my credit score.
In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at MCMs Consumer Bill of RIghts Article 1. I have conveyed that I not only can not afford to pay the balance, because
I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question.
God Bless, XXXX. XXXX
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midland Credit Management Account XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off.
Company above appears on my credit report as XXXX initially, but this account was sold to this compnay. Thus, making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$1200.00} dollars in XX/XX/XXXX.
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment.
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
7. Midland Credit Management must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.
It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX XXXX XXXX and XXXX
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 09/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer.
I have been back to court 4 times since XX/XX/XXXX - finally XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX XXXX which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for.
Thank you - XXXX XXXX
|
| 06/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am still being harassed by Midland Fund with a collection claim filed on XX/XX/XXXX with the credit bureau agencies by this firm over an alleged {$1200.00} debt. The date of last activity by the original creditor was XX/XX/XXXX. The status of limitations on this debt has long expired. The original creditor is XXXX XXXX XXXX XXXX. The State of Limitations on this alleged debt, even should it be mine, is 4 years in the state of California.
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt.
I 'm sure this firm is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that Midland Fund has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
The exact statute : [ XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) The legal status of the alleged debt, and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
I am also convinced that Midland Fund does not have adequate documentation to prove in court that it has the right to report this negative information on my credit report, and therefore is in violation of the Fair Credit Reporting Act as well as the FDCPA. Midland Fund is not lawfully entitled to report this information and I request an investigation.
Under the FDCPA I am also invoking my right to ask you to delete this alleged debt report from the credit bureaus and send the Consumer Financial Protection Bureau notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
I am trying to purchase a home as a first time buyer and this record is affecting my ability to do so. It is in my family interest that I need to have this issue resolved.
|
| 02/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTIN DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
|
| 03/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
XX/XX/XXXX - XXXX Credit Report Number : XXXX Inquiries from Midland Credit Management. XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. My Personal Information, i.e. my name Identification Number, Social Security Number and Addresses Identification Numbers, Type of Address, Geographical Codes.
XX/XX/XXXX - XXXX Credit Report Number : XXXX Inquiries, Consumer Reports, XXXX XXXX XXXX. My Personal Information, i. e. My Names Identification, my Identification Numbers, my Addresses, Type of family, Geographical Codes. One wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Type : single family Code : XXXX Address ID # XXXX with last 4 digit of zip code not my last 4 digit of my zip code.
When I XXXX the address it is a piece of land that I am being charged for on my XXXX XXXX County Property Taxes after A judge ordered XXXX Property Taxes Exempt to {$0.00} owed.
XX/XX/XXXX a default Request, Affidavit, Entry, and Judgement ( Sum Certain ) 43rd State of Michigan Judicial District Judicial Circuit Court Plaintiff 's Name and address Midland Funding, LLC a.k.a Midland Credit Management, third party Withholding Unit Michigan Department of Treasury, XXXX Michigan - This was a case of Identity Theft that I have reported previously with your establishment for seeking to garnish my Homestead State Income Taxes return. XX/XX/XXXX court and Plaintiff Garnishee Disclosure from court SAME AS ABOVE for indebted for non-periodic payment. XX/XX/XXXX Writ of Garnishment from Plaintiff and 3rd party XXXX. My XXXX Michigan Homestead Taxes were garnished for XXXX and XXXX Michigan Homestead Taxes and Levied Taxes in XXXX return. I am a XXXX, XXXX Senior Citizen living on a below Federal Income Guideline and my home at the address XXXX XXXX XXXX XXXX, XXXX XXXX MI has been in foreclosure each year from my Homestead Property Taxes Return being taken from me because of Identity Theft and Fraudulent Activities since XXXX. I have received foreclosures since XXXX and XX/XX/XXXX, threatening to make me homeless and pay XXXX XXXX XXXX Taxes which I was told are controlled and managed by the XXXX County Treasure 's Office making continuous monthly payments on time and date of agreement. DHHS have agreed to assist in payments, however payment has not been received to date. I am waiting and thank you in advance for your investigation and resolutions in my favor.
|
| 12/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/2022 is the date on a letter I received from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. In this letter the XXXX XXXX XXXX tells me that the Midland Credit Management Inc had filed on XX/XX/2022 a lawsuit in XXXX XXXX XXXX XXXX ( Case No XXXX ) to collect more than {$3000.00} owed on a credit card account with XXXX which was bought by XXXX XXXX and then sent over to Midland Credit Management. I never received any notification before this time, and the debt to XXXX which was bought by XXXX XXXX was charged off.
I contacted MCM by email and set up a payment plan to pay {$50.00} for 3 months and {$100.00} thereafter to resolve the debt because they say it is still active and in my name and personal details. During the setup of the payment plan I used a debit card which was nonsufficient in funds and was told it will be fine just be sure that money is on the card when it is time to make the payment. The debit card will not have funds in time, so I went back to edit the payment information and then was directed to phone XXXX to get the payment information updated. The person at that number told me they were unable to update the system and I should phone XXXX. The person at that number told me they were unable to update the system, that I have filed a complaint against them with CFPB and that they only way they will allow me to update the card information is to withdraw the complaint with CFPB. I said I would not and they told me that they could not service this debt that it had been with the company to long and this is the first time they had heard from me.
The MCM acct number XXXX could not be located in their system and account # XXXX is too old to service.
In the meanwhile, the staff became more hostile and would only tell me that they need to record the call, that the purpose of communication was to collect on a debt and any information that I tell them would be used for that purpose and that they are unable to service the debt.
In the meanwhile, the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX have spoken to XXXX speaking persons, XXXX or XXXX XXXXXXXX XXXX as well as several other ladies about this debt and can not disclose any information to me because they are not certain if I am the person who actually owes the debt.
|
| 03/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Notice for Proof of Claim Account : MIDLAND CREDIT MANAGEMENT To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have XXXX days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I was served a civil claim for money from Midland Credit Management. You should be familiar as a simple word search for " Midland '' in your system returns over 1600 complaints. That is only in the debt collection category. Initially I went online to pay the debt but with the pending court case I decided to call instead to make sure that the case would be dropped if I paid the debt. I called Midland on XX/XX/2021 at XXXX. I was advised by XXXX XXXX that for a payment of {$850.00}, my debt would be settled-in-full, that I would receive a letter stating this and that Midland would file a motion to have the judgement dismissed. I paid the amount in good faith and Midland has not upheld its portion of the agreement. On XX/XX/2021, I checked the state website and saw that the case was still active and no motion had been filed. I called Midland and spoke with a gentleman named XXXX XXXX who told me Midland had no intentions on filing the motion prior to the court date or providing any documentation that the account has been settled in full. I advised him that this is what I was told and that is why I agreed to settle otherwise I would have gone to the court and made arrangements with the attorney. Mr. XXXX stated that the " only way '' to dismiss a case is to show up and do it in person. I advised this is not true. you can file a motion prior to a case and the he was again being deceptive. I made it very clear to XXXX that I did not want a judgement and wanted it dismissed. XXXX told me that for {$850.00} a motion would be filed as soon as the payment cleared. The payment has cleared and no motion has been filed. XXXX also advised me that the {$850.00} would settle in full yet, the website shows they are still after the remaining {$94.00}. The website does not make mention of my payment though. In fact it states there is no payment history. Of course there was a payment made. How else did my balance go from {$940.00} to {$94.00}? Lastly, XXXX stated that the company would update their website to show the balance has been steeled in full. I specifically asked this question because I was leery of giving away {$850.00} without any sort of reassurance that the company would follow through. It turns out my concerns were correct as Midland has not followed through with any of these items. This is a violation of both UDAAP and FDCPA.
|
| 11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account with XXXXXXXX XXXX XXXX XXXX. I fell behind in making payments. I had a past due balance of {$1900.00} as of XX/XX/XXXX. I was finally able to make payments again starting in XX/XX/XXXX. XX/XX/XXXX, I was served with court papers that I was being sued by Midland Funding LLC for this account and that I must make a court appearance on XX/XX/XXXX to defend myself. In the meantime, I completed paying off this debt to XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX ( overpaid on the account - paid {$2000.00} ). I waited 1 week to give everyone time to process the transactions and then sent Midland and the lawyer named on the court documents a letter stating that the account has been over-paid in full and to please dismiss the law suit. I provided a statement from my bank account, with claim numbers, showing the amounts paid and the dates the payments were made.Payments on the account began before the lawsuit was filed and was partially paid off by the time I was served with the court papers.
When I came home from work on XX/XX/XXXX, there was a letter from Midland Funding stating that a lawsuit was filed against me and that I had until XX/XX/XXXX to respond, 5 days AFTER I must appear in court to defend myself, which seems like a way to mislead me into allowing a default judgement against me. I contacted the number on the letter and spoke to an operator who stated that they did receive {$1300.00}. I reviewed the payment dates with her. She said she was unable to locate the additional payments in their system and it may take a few more days for the remaining funds to be transferred to them. She asked me to email her a copy of my statement showing the payment dates, amounts, and claim numbers, which I did. They told me they would call me back, which hasn't occurred.
On XX/XX/XXXX, I received the postcard back from their lawyers office showing that they received my letter. On XX/XX/XXXX I received back the letter to Midland that the post office is unable to locate the address listed. The address used for Midland is the same address used in the court documents, which I find odd that the post office is unable to locate this business. Nothing has been done to dismiss this lawsuit. This debt has been over-paid in full. All payments were made the exact same way, which means if they received one, they received them all.
|
| 06/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
About a two months ago, I began receiving threatening phone calls from a debt collector service regarding a online payday loan that I never received. The company threatened that I committed check fraud and that there will be someone coming to my job to arrest me. I spoke to an individual who was very nasty and would not give me much information. They told me I better pay the loan and hung up. I called back and was extremely upset about this call. I was finally able to speak to someone to explain that I needed to pull my bank records from XXXX 2011. I went to the bank and pulled the information and called this company back and was told to fax the information in. WelI, I faxed in this information and called again speaking to different people and I was told that I was okay and should not get any more calls. Two days later, they began calling my cell, my father 's telephone number and my home number. I again attempted to call and explained what I was told and I reached the same nasty person STATING THAT I BETTER PAY THE MONEY AND HUNG UP. I proceeded to keep calling to get someone different and never did and then the gentleman stated that he would have them come after me for harassment. I could n't believe the conversation. I faxed the information again and left it alone. Three weeks later I receive a call on my telephone from a woman stating that she has my business address and have been given some paperwork to have me picked up and processed for this outstanding charge that I never had. This time the amount was huge and they stated that I had to pay it in order for me not to be arrested. With my job on the line I paid XXXX dollars allowing these people to have my debit card. However after getting off the phone crying, I began to contact people and told them what happened and they informed me that I was duped out of my money. The dept collectors company from the XXXX call never provided their name and all I have is telephone number XXXX and the payday loan they mentioned was XXXX XXXX. The next debt collector did provide their name XXXX XXXX XXXX located in PA and XXXX as well as the person who called to threaten that I would be picked up, XXXX. I have tried to call this number back and no one will pick up. I was given a name XXXX XXXX and the company that is now stating I owe for a payday loan is now call Midland Funding.
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 09/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had sold my residence and had all of my utilities including my XXXX accounts switched over to my new home located in the same town or zip code. The XXXX accounts included my land line, wire less and fax line. My XXXX account was uninterrupted and I transitioned into my new residence without any problems with the same numbers. Any monthly balances outstanding were simply added to my monthly bills and paid accordingly. While at my new residence, I received a call from Midland Collection Management, LLC " MCM '' stating they represented XXXX and that I was in collections for XXXX bill that was outstanding. I explained that I had just moved and I thought everything was fine with all services brought to my new residence. This was the first time I had heard of any amounts owed and it was from a collection agency ( not XXXX ). I had more than XXXX wireless, landlines and fax lines moved to my new residence and everything was current to the best of my knowledge without any outstanding balances owed. No service was interrupted at any time. The collection agency insisted this was for a line that was dropped and not moved or placed on my new billing information. However, the representative from MCM said if I was willing to pay this bill over the phone, they would remove it from my credit report due to the confusion. I apologized and gave them my payment information over the phone and it was processed immediately. The representative thanked me for the payment, gave me a confirmation number and reassured it would be taken off my credit report. The bill was paid immediately when I received the phone call and it was paid in full more than XXXX years ago. However, I was recently notified by the government that I may personal information may have been compromised and I reviewed credit reports from XXXX XXXX and XXXX. Upon review, I noticed that XXXX XXXX reflected the MCM collections account on my credit report as a closed collection account with a " XXXX '' balance owed. XXXX had the MCM collections account listed as an outstanding collections account, with " XXXX '' balance owed. This incident has damaged my credit score after making full restitution and it is still listed as outstanding. The representative informed me that this would be removed from my credit report upon payment due to the confusion caused by the recent move.
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE :XX/XX/XXXXATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
|
| 10/27/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To Whom It May Concern, I have been trying for years to advocate on my behalf per my rights as a consumer against the unfair and deceptive acts committed by Midland Credit Management against my credit report.
MCM obtained a debt they claim that I owe on XX/XX/XXXX.
XX/XX/XXXX, I requested through certified mail, verification and validation of said debt. They did not respond to my request.
XX/XX/XXXX I reached out again through certified mail. They're response was a copy of a XXXX page letter from XXXX.
No names, and no amounts were listed.
For over XXXX years, MCM has held me XXXX and refused to provide documentation of validation of this debt. MCM has blatantly ignored my request for documentation of validation of this debt. No paperwork showing my name, and no amounts to give me the fair opportunity to verify.
XX/XX/XXXX, MCM sued me in civil court and lost. I challenged them. They did not provide XXXX single piece of documentation and the attorney did not show up to court.
What is of most extreme concern and is outlined below.
Over the years, MCM has not only changed the amounts reported to the credit bureaus on this account in which they claim I have financial obligation, but have also changed the account numbers ( Please see attached documentation. ) XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX.
XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX.
After my certified letter was received on XX/XX/XXXX, MCM began changing the amounts and account numbers on the offers they submitted to me and on my credit report.
XX/XX/XXXX - MCM mailed me a debt offer letter listed with a current balance of {$2900.00} account number ending in XXXX.
XX/XX/XXXX - Credit report showed a balance of {$2800.00} account number beginning in XXXX.
XX/XX/XXXX - Current report shows {$2800.00} account number beginning in XXXX.
This has resulted in irreparable damage to my finances and to my financial reputation.
I am reaching out CFPB pleading to advocate on my behalf. Not only are we dealing with a validation issue, but an issue of amounts and account numbers not adding up.
All three major credit bureaus XXXX, XXXX, and XXXX have been notified for for years. All have ignored my request to fix this unfair and unjust situation.
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX XXXX and XXXX Midland Credit Management I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through XXXX for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent.
The smell coming off the set was also intolerable. It smelled like dead animal.
I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent.
I dispute having any obligation for this debt.
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter.
I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter.
After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing.
Thank you for your assistance.
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX MIDLAND FUNDING XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
|
| 08/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
The incident/phone call in question began @ XXXX XXXX on XX/XX/XXXX So tonight at approximately I received a phone call from my mobile device at XXXX XXXX, I ignored the number as it was listed as " unavailable. '' I work in a XXXX and at XXXX XXXX, an employee from another unit brought me a piece of paper that information containing a name and number : XXXX XXXX was the name and the number was XXXX with an extension of XXXX. I called the number not knowing who would be calling me. XXXX answered the phone and said he was from Midland Credit Services and stated that he was reaching out to me settle a debit of a little over 600 dollars from a XXXX XXXX credit card. He told me that the card was opened up back in XX/XX/XXXX and the last charged used on it was in XX/XX/XXXX. I informed that I have never owned a credit card. He put on the phone with his manager next. I honestly do not recall the manager 's name. He verified my address, my last 4 numbers of my social security number. I insisted that I have never owned a credit card and he began to try and convince me that my wife could be trying to use my information or try to steal my information. He had stated that the last purchase used with this card was at our local XXXX. I again said I do not own a credit card and he said this could negatively affect my credit and I need to get this resolved asap. I went on the offensive and said I find it shady that a credit collection agency would be calling me at XXXX. He said we are the largest debit collecting agency in the United States and insisted that I look up the information on XXXX XXXX and he offered to read the credit card number out to me over the phone. I hung up and called my wife. My wife insisted that she has never owned a XXXX XXXX card and told me to not speak to them and just hang up. I hung up with her and Midland called me back. I told them to not call me back again and he still insisted that he " wasn't trying to pull one over on me. '' and that " I'm not some guy living in a basement. '' At that point I hung up on him and blocked the number. I have read online that they are not an accredited company and that they threaten to sue you. I am very worried as I previous said, I have never owned a credit card and for him to insinuate that my wife was being nefarious behind my back, really upsets me.
|
| 09/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
On XX/XX/2018 at XXXX a.m., I contacted Midland XXXX XXXX XXXX XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a XXXX credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement.
I spoke with XXXX XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information.
I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well.
When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet.
He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else.
I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2023 Case # : XXXX MCM # : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX whomever this may concern, Thank you for your response to my CFPB dispute but the response did not address my concerns. In the connected response, you stated youve supplied me with a Letter of Verification but the address you sent said letter to is an address that I am NOT associated with. I do not nor have I ever resided at XXXX XXXX XXXX. This proves youre violating 15.U.S.C. 1681i, alleging the account is verified but you failed to properly reinvestigate. If you were to have properly investigated my account as claimed, clearly my consumer report lists my address, both current and previous.
You are alleging that you have no control of what the credit bureaus post despite reporting to them monthly. I have disputed several times and each time the credit bureaus state YOU ; the creditor hosts the investigations. Your letter further proves youre STILL in violation of 15 U.S.C. 1681 S-2 ( a ) ( 1 ) ( a ) because your letter states this account has been Charged Off but it has a Past Due balance. Ive never received a 1099 C document for the Charge off and the past due balance falsely manipulates the statute of limitations which is another FCRA violation. In addition to that, you are reporting different balances to the creditors. XXXX and XXXX are reporting a balance of {$1900.00} and {$1900.00} to XXXX in addition to High Balances.
You are sending information to an inaccurate address, youve also sent invoices but those invoices do not confirm my identity. Your response also further proves youre violating 15 U.S.C. 1681 602 ; youre still reporting on my consumer report AND sending invalid information to address where I do not reside further putting my identity at risk for theft. You have no regards to my rights and clearly ignored my request to Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request. If you do not intend on replying with requested information or a proof of deletion within the allotted 15 days of receipt of this letter, send payment {$1000.00} made payable to XXXX XXXX. You have violated my rights as a consumer and I deserve to be fairly compensated.
|
| 07/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Todays date:XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off.
Midland Funding LLC had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question.
On XX/XX/XXXX I paid Midland Funding LLC for 2 of the three collection accounts.
First one was for {$290.00} and the second was for {$740.00}.
The 3rd one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with Midland Funding. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX County in XXXX Arizona stating the Midland Funding LLC " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''.
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say Midland Funding is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a Midland Funding rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at Midland Funding. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon.
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XXXX of XXXX. I am desperate and have really been trying to pay this for almost a year.
|
| 10/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
First, let me be abundantly clear, Midland Credit Management , Inc . I am well-informed of Case NO : XXXX, where the Bureau of Consumer Financial Protection took action against Asset Acceptance Capital Corp. , Midland Funding , LLC. , Encore Capital Group, Inc., and Midland Credit Management , Inc . Your alleged remark that 'As it was a credit card, the terms and conditions ( cardholder agreement ) that creates the agreement between the parties ' is wholly unacceptable and misleading.
Under 8 ( a ) ( iv ) ( 1 ) in the case that is referenced above, Midland Credit Management , Inc. must comply with my demand. This is not a request ; it is a legal requirement. I demand to see my signature on the alleged cardholder agreement, and I will not allow MCM to make false or misleading statements about me, as this is a violation of 15 U.S. Code 1692E.
Furthermore, your threats towards me are unwarranted and will not be tolerated, as they constitute a direct violation of 15 U.S. Code 1692d. Your complete lack of transparency in response to my legitimate demands regarding the safeguarding and acquisition of my personal information is also a violation of 15 U.S. Code 6801.
Adding to the gravity of this matter is the fact that Midland Credit Management , Inc. has failed to substantiate any of its alleged claims. Ive entered into no business with your company and have no interest in doing business with your company, We have no agreement or arrangement. You have refused to show any contract, whether by terms or by signature showing any such alleged account as you claim, and if you base your claims under the principle of alleged account stated, you are basing it on hearsay, not showing the affidavits proving any such alleged account transactions. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights.
I demand that you close this account within your offices, cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a single XXXX from me, especially over a debt I do not owe.
|
| 05/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a XXXX XXXX XXXX XXXX XXXX card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to XXXX XXXX since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the 500 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to Midland Credit Management XXXX XXXX debt collector. Not only did XXXX XXXX not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both XXXX XXXX and this MCM have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, XXXX XXXX XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my 40 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLANDMCM XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLANDMCM XXXX MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 08/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing the second complaint against Midland Credit Management, regarding their ongoing violations and harassment.
Throughout this year, I have engaged with Midland Credit Management via telephone and USPS mail, in attempts to verify a debt associated with account number XXXX. On XX/XX/2023, I spoke with XXXX XXXX, a representative from Midland Credit Management, during which I expressed my concerns regarding the legitimacy of the debt. During this conversation, XXXX XXXX confirmed that the debt could not be validated and that no signed contract bearing my signature was in their possession. ( Section 1692g ) This situation aligns with the Fair Credit Reporting Act ( FCRA ) regulations pertaining to validation and removal.
Subsequently, I disputed the account with XXXX on XX/XX/2023, resulting in its removal from XXXX on XX/XX/2023. As of XX/XX/2023, Midland Credit Management is no longer reflected on my consumer report with XXXX, XXXX, and XXXX.
However, on XX/XX/2023, I received a mail via USPS from Midland Credit Management displaying their logo on the envelope. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ), which stipulates that debt collectors are prohibited from revealing debt-related information on the communication envelope. Section 1692f ( 8 ), This breach is concerning, as it infringes upon consumer privacy and has induce distress, embarrassment, and harassment, Section 1692d.
Upon opening the envelope, I discovered a letter dated XX/XX/2023, yet it was received by me on XX/XX/2023. Enclosed were the Pre-Legal Process pamphlet and a bill. This information is attached for your reference. Notably, since the aforementioned phone call on XX/XX/XXXX, I have not received any mail from Midland Credit Management, making this recent communication particularly distressing.
It is evident that they are attempting to collect a debt that has already been expunged from my consumer report. The continued violations and harassment have led to significant emotional strain and distress.
I've attached the following to this complaint : - Front of the envelope - Bill Instrument ( front and back ) - Front and inside of the Pamphlet - Envelope to send payment - USPS Informed Delivery to show when I received the mail - Screenshot of XXXX Dispute and Results
|
| 01/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Complaint against - XXXX XXXX XXXX representing MidLand Funding LLC * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced.
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX.
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for.
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. XXXX were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX.
So this garnishment has been paid off as of XXXX XX/XX/XXXX.
On XX/XX/XXXX a letter was drafted by XXXX XXXX XXXX , XXXX ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc.
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} XXXX file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX.
This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment.
They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on.
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected.
This is wrong.
They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid.
XXXX XXXX XXXX
|
| 06/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Regarding False Debt on Credit Report Dear Sir/Madam/They, I am writing to file a formal complaint against Midland Credit Management in relation to a debt that was falsely added to my credit report on XX/XX/XXXX for the amount of {$2600.00}. This inaccurate information is negatively impacting my financial history and is a clear violation of the Fair Credit Reporting Act ( FCRA ).
I discovered the erroneous debt on my credit report in early XXXX and immediately took steps to rectify the situation. I contacted Midland Credit Management and requested that they investigate the matter and remove the false debt from my credit report. However, despite my repeated attempts to contact & dispute the debt, Midland Credit Management has failed to take appropriate action and continues to report this inaccurate debt.
This willful noncompliance with the FCRA laws by Midland Credit Management is highly concerning and has caused significant harm to my financial well-being. The false debt has resulted in denial of credit applications, increased interest rates, and various other negative consequences. I have attached supporting documents, including copies of my credit report highlighting the inaccurate debt and correspondence with Midland Credit Management, for your reference.
I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Midland Credit Management for their failure to comply with the FCRA. I am seeking the following remedies : 1. Immediate removal of the false debt from my credit report.
2. Correction of any negative impact caused by the false debt, including the adjustment of interest rates and credit scores.
XXXX. Compensation for any financial losses I have incurred as a result of this false debt.
4. Imposition of appropriate penalties on Midland Credit Management for their willful noncompliance with the FCRA.
I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and effectively, ensuring that justice is served. I appreciate your attention to this matter and look forward to a swift resolution.
Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your assistance in resolving this issue.
Sincerely, XXXX XXXX
|
| 02/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Step 1 : What is this complaint about? Violations of Rico Statue and State Usury Laws Step 2 : What type of problem are you having? 3rd party debt buyers elicit attempts to collect assumed debt as defined by law Step 3 : What happened? Debt buyers are failing to justify full collection of debt assumed.
Step 4 : What company is this complaint about? THE FOLLOWING 3RD PARTY DEBT COLLECTORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Step 5 : Who are the people involved? Engaged each party individually to validate debt owed in XX/XX/2018.
Summary compliant : 3rd Party Debt Buyers 1. Recourse is allowed under the premises the Debt Buyer has assumed total collection authority to recoup original amount owed although assuming the debt at a fraction of the cost.
a. Debts are purchased as a portfolio of bad debt t ( > 7 % of the original debt owed ) b. A maximum of twice the usury rate can be collected per Federal law i. 27 % interest rate would be permissible in Delaware, as defined by the states usury laws. Midland, as a 3rd party debt buyer to a national bank, was not allowed to charge interest exceeding 27 % without a banking license c. I am now liable to a new company for an old debt. This included my portion of my debt plus collection expenses incurred 2. Without the 3rd party debt buyer pursuing a court action, no justification of the expenses can be made, surmounting to racketeering, reporting debt to all credit bureaus with an attempt to collect usurious interest. ( RICO Statue ) 3. Usury rate of 800+ % over the acquisition price of the debt, if no legal action warrants the full collection amount pursued.
I am asking 3rd party debt buyers to justify expenses allowing for full collection of the debt incurred. In addition, Im also questioning, if a Debt Buyer has collected an amount greater than twice the usury rate over their acquisition price from other debts in the same portfolio, what justifies their continued pursuit. They would have made their money as they are legally entitled to do.
Please investigate this matter further
|
| 08/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING, for committing identity theft. I have never given MIDLAND FUNDING, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with MIDLAND FUNDING and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving MIDLAND FUNDING any right to collect on this alleged debt.
I have never received any documentation requesting validation from MIDLAND FUNDING, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING, continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed.
This DEBT COLLECTOR MIDLAND, CREDIT MANAGEMENT, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so.
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION.
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC. to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them.
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Todays date : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX
|
| 09/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 09/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to Experian, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Back in XX/XX/XXXX, I had a XXXX phone account in my name. I eventually XXXX to the XXXX XXXX and I canceled my XXXX account under the XXXX. About two months, into my XXXX, I received a notice that a collection account had been established on my credit report on all XXXX bureaus by Midland Funding on behalf of XXXX for failure to pay my cellphone bill. In good faith, I paid Midland Funding the amount requested. I then called XXXX and advised that I had canceled my cell phone account under the XXXX They advised me that they would contact Midland Funding and request that the account be taken back off my credit report. I then verified it was taken off my credit report. Then in XX/XX/XXXX, it reappeared on my credit report. I worked with Midland Funding and the XXXX to get it taken off once again. Then back in XXXX XX/XX/XXXX, it appeared for a XXXX time. However, this time it was being reported XXXX. It was being reported this way to all XXXX major credit bureaus. Once as a collection that was paid and closed and then again as an open, unpaid collection account. I called Midland Funding to complain and was told that they had no knowledge of this account. I then called XXXX Credit Services and XXXX to verify what I saw on my credit report and they confirmed it. I then called Midland Funding back and they all of sudden knew what account I was referring to. They advised they would not do anything to help except maybe send a refresher report to the credit bureaus. They also advised that the last time they reported on this account was back in XXXX. I then called the XXXX Bureau directly and they advised that the last time the account had been reported on was in XXXX and XX/XX/XXXX, no back in XX/XX/XXXX. They also advised that Midland Funding had requested some changes to my credit report, XXXX of which deleted the double reporting of the collection account. So basically, Midland Funding lied to me about when the account was being reported on and submitted some changes to my credit report behind my back to try and cover themselves. At least this is my thought. As of right now, my credit report still shows all credit report bureaus reporting an account in collections as well as the account being paid in full.
Midland Funding ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
|
| 11/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XX/XX/XXXX MIDLAND FUNDING LLC removed ALL of my funds from my both my savings and checking accounts at XXXX XXXX XXXX. They continue to do so, including my child support depict deposits. In addition to these unexpected actions, MIDLAND FUNDING LLC removed an additional {$15000.00} from my checking and an additional {$15000.00} from my Savings. I spoke in person and phone multiple times with XXXX XXXX XXXX and they could only say this is a garnishment, appeared very uninformed themselves, and allowed this garnishment without any provided documentation proving that this is a valid garnishment. MIDLAND FUNDING LLC was then put on the phone with me ( without my knowledge or permission through XXXX XXXX XXXX Branch Management ) and said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company called XXXX, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional over {$31000.00}. XXXX XXXX XXXX has not protected my funds and they also have not previously contacted me about these actions, nor have I had any communication with MIDLAND FUNDING LLC. Neither have shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX XXXX XXXX a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in XXXX and raising my daughter as a single mother. MIDLAND FUNDING LLC, after my own personal research, have multiple names and seem to illegally acting under different names. Any money removed from my accounts is not acceptable and illegal.
|
| 10/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX and XXXX and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 via certified mail tracking number XXXX with return receipt. XXXX received it on XX/XX/2018 and I did not receive anything from them. On XX/XX/2018 I send a second letter requesting this information a second time. They received it on XX/XX/2018 I still did not receive any communication from XXXX concerning this matter. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. XXXX is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' XXXX has most recently reported is { {$1800.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them XXXX also may not show the account as " Open '' as they are not a creditor and may not list an account as open. XXXX also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation of the Fair Debt Collection Practices Act sect 807-8 but not limited to and with Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
|
| 10/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is the letter received from Midland Credit Management dated XX/XX/2023 claiming that I loaned {$3200.00} from XXXX. I have no idea or I did not loan any money from any company or banks.
Letter from Midland Credit Management : of beina filing.
MIC IM Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Original Creditor XX/XX/2023 Original Account Number MCM Account Number Current Owner Current Servicer Current Balance Mon-Fri : XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management , Inc .
Midland Credit Management , Inc .
{$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX , We understand that you are inquiring about or requesting documentation about the accuracy of our records concerning this account. After reviewing the information you provided, our account notes, and information provided by the previous creditor, with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX, we have concluded that our information is accurate. We have also enclosed documents regarding the account. If you believe we have reached this conclusion in error, please reference the information below : We have received the following information from you : We are uncertain of what you are specifically disputing Next steps : In order for us to further investigate your inquiry please provide the following : Written explanation and documentation demonstrating any errors in your account information Some additional information about your account : Date opened : XX/XX/2023. Date of charge off : XX/XX/2023. Current servicer : Midland Credit Management , Inc.. Date purchased : XX/XX/2023. Original purchase balance : {$3200.00}. Accrued interest : {$0.00}. Accrued fees : {$0.00}. Total payments/Adjustment applied : {$0.00}. Date paid in full ( if applicable ) ; Recent Transactions : Date Amount Date Amount Date Amount *Only the last 31 payments are reflected in the above table For additional information you may contact us online at MidlandCredit.com , you may also call Consumer Resolutions at XXXX.
XXXX XXXX XXXX : XXXX Sincerely, XXXX XXXX Consumer Support Services.
This is a lie, if they gave the money they claim, check which bank account it went to and who received.
|
| 07/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This communication is a follow-up in regards to closed complaint XXXX Midland Credit Management, Inc.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored.
Midland Credit Management , Inc. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Midland Credit Management XXXX Inc., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Midland Credit Management , Inc., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
|
| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I paid off a credit that was delinquent since XX/XX/XXXX. They were suing me for the amount owed and a count date was set for XX/XX/XXXX. The day I went online to pay off the debt ( XX/XX/XXXX ) I was given a confirmation number and shown a XXXX balance. Today when I log on to the website I have a current balance of {$1000.00} which was the original loan amount. There is no show of the account being paid off. When I call the credit collecting company they state that my account has been closed. They state that I will receive a letter " soon '', but no letter has been received yet.They are unable to tell me how long it may take for the account to show it has been paid, they continue to tell me to wait, they are unable give me any further info about the legal actions taken against me. However, my main concern is that I am in the process of buying a home and this debt is still being reported to the credit bureau, having a huge negative impact on my usual perfect credit. I have spoken to my broker who has informed me that this is the only debt on my credit history and that it needs to be removed ASAP in order to move forward. Which I have done the necessary steps provided by the company to remove it. Part of the agreement to close the account was a settlement of {$810.00} and also that the account would be removed from my credit report and no legal actions pursued. I have paid the {$810.00}. This agreement has not been met by the company. I have upheld my end of the deal by paying the settlement amount. Before making the payment I requested for a letter to be sent with the terms of agreement which they disputed and stated that they do not send out letters. Feeling uncomfortable about this I opted to pay online and save screen shots of the process instead of making a verbal payment over the phone. Basically this company has not met their end of the agreement by closing my account in full and completely removing this debt from the reporting credit bureau even after making a full payment. I have spoken to 10 different representatives from 3 different departments from Midland Credit Management, all have given me the run around. I am afraid I have been screwed over and lied to and I am am worried that this will spiral me into a bigger whole with my credit score being affected.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
It should be known that Midland Credit Management is violating the F.C.R.A., The basic standards of XXXX XXXX, and due process of federal law. They are reporting incorrect information to XXXX regarding a collection account. They are also intentionally failing to report information that is causing the report to be incomplete to XXXX. Finally, they are misabusing the basic standards of the XXXX XXXX reporting requirements to XXXX. A dispute was filed with XXXX and denied on grounds that said account was mine, which was never a ground disputed on or for. It also should be known that XXXX has never been in contact with me either. The said discrepancies and errors are as follows on my XXXX report under account # XXXX - XXXX : Said account is reporting or being hidden in other accounts section as a open account. This is a account that was closed by original creditor and sold to Midland Credit Management. Midland can not extend credit to anyone and can not have a open credit type with anyone and should not be reporting any type of accounts except 'Collections '. No collection account should have a type as open especially when I have no signed agreements with them and since they are not the original creditor. Under account status shows open and this is incorrect and wrong. 2 : Date of last activity is intentionally missing from report. 3 : Date closed is intentionally missing from report. 4 : Account type is missing making report incomplete. 5 : On report under dispute status, report says account not disputed. Contrary, on same report under creditors remarks, it says account is disputed! Both Dispute status and Creditor remarks differ so both can't be correct. 6 : Under months reviewed or terms it says 13 months. This is incorrect and a violation because no terms or review status should be showing since Midland is not a creditor and since I have no terms or agreements with Midland. 7 : Once original creditor closed account, balance should report as 0. Midland still reports balance as XXXX. Midland is prohibited from reporting this balance because they are not the original creditor and since I have no signed agreements with them. These XXXX errors constitutes deletion.A copy of my smart credit 3 bureau report is included for review to see violations and a civil suit is next.
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 07/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2021 I received a summons to appear in court for an alleged credit card debt from Midland Credit Management. I was later visited by the city police XX/XX/2021 regarding the original summons I received on XX/XX/2021 from Attorney XXXX XXXX, XXXX. From my understanding of consumer law, according to 15 USC 1692 ( e ) this section is titled false or misleading representation, Midland Credit Management is in violation of my consumer rights and I want to compensated for the damages which I am entitled to according to 15 USC 1692 ( k ). A law firm can not attempt to collect a debt on be half of the creditor. That's illegal because the states that law firms can not act as debt collectors. I sent a certified noticed to Midland Credit Management on XX/XX/2021 demanding them to cease and desist as well as an invoice for the violation. There are other violations that Midland Credit Management has conducted such as 15 USC 1692 ( i ) in which congress makes it clear that bringing legal action by debt collector is unauthorized and 15 USC 1692a ( 6 ) ( A ) ( C ) ( D ) ( 6 ). The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The term does not include - ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt. I will be invoicing Midland Credit Management for the additional violations conducted against me and sending it certified within 5 business days. Additionally, I do not owe this debt because there is no contract stating that this credit was extended to me by this debt collector. I also demand that this be removed from my consumer reports because I did not give permission to report anything on my consumer report ; it is unauthorized.
|
| 07/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XX/XX/2019 XXXX to XXXX CST Called Midland Credit Management They had four accounts of mine in the amounts of : {$1500.00}? missed the change {$3600.00} {$880.00} {$1200.00} I called Midland Credit Management to try and work out a payment arrangement on four accounts that they had of mine in collections. I explained my loss of income and loss of current job position to company moving my product to another state. I told the representative I could only afford XXXX/month to pay towards all the accounts combined. I told if he couldnt do that I would pay {$100.00} today. He transferred me to a supervisor. I told her the same thing and then asked me to think outside of the box, i informed her that I dont have any other resources. I mentioned I havent gone to the doctor for my XXXX XXXX in many months since I couldnt afford it. She than preceded to tell me that XXXX XXXX was serious and asked if i had to go to the emergency room for it how would i come up with the {$400.00} needed to pay for it. I told her i couldnt. She continued to push. I informed her I would still be seen in ER and would fill out papers for XXXX XXXX I told her again I could only do XXXX/mo and if she could take that monthly that I would make a payment of XXXX today. She told me she couldnt do the arrangement, i told her i would just pay the XXXX today then and she refused to accept my payment and continued to talk over me. I asked what her name was she said it quickly, I asked her to repeat it, she didnt, she continued to talk over me. I asked her on this recorded line if she was refusing my payment? She continued to talk over me and refused to take payment. I informed her I was going to file a complaint and ended call.
I called back and told the rep on the phone that I wanted to file a complaint. I filled this person in and let her know that the rep had talked over me, was very pushy and refused my payment. She said would have someone in management review the call. I informed her that I was going to also file a complaint with the CFPB. After explaining everything she set me up on a payment plan that i had asked for at the beginning of the call. The first supervisor was rude, seemed to treat me like i was lying to her, talked over me and refused my payment of {$100.00} that i offered for today.
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by Midland Credit Management on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I XXXX Midland Credit Management to get an XXXX # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating Midland filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from Midland Credit Management on any of my 3 credit reports, nor anything from XXXX XXXX on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, Midland purchased from an old XXXXXXXX XXXX credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount Midland says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX, tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This Midland Credit Management representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have asked for debt validation from Midland Funding for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information also from Experian in addition to other proof of claims that have yet to be answered thoroughly. Neither have provided through information and I have certified mail receipts request with failure to follow through and return my receipt required tracking. Midland Funding has not send me the following information I requested : alleged account number,, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Midland Funding and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer had 30 days and my previous request of 10 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day and previous request of 10 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Midland Funding violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.
In addition to this Midland Fund is what is reporting on my credit report but Midland Credit Management is who is responding with partial request.
|
| 10/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I signed up with XXXX, a debt solution company, to help settle multiple open end credit accounts in XXXX up thru this year, XXXX. I originally had an account with XXXX that was added to my program and somehow XXXX removed this from my list of accounts which they claimed was removed due to confusion from midland credit debt collection company having multiple accounts. I was made aware of the account not being in my XXXX XXXX program because I received a court summons in the spring of XXXX.
Once I received, I contacted clear one who was able to add the account to my program, in which I also added hundreds to thousands of dollars in order for the negotiations to be reached and a settlement agreed upon with midland credit agency. I was advised by clear one that I did not need to go to court and all items have been taken care off.
XX/XX/XXXX, I received noticed that my program was complete and all debts settled.
Fast forward to the end of XX/XX/XXXX, I received a copy of a request for garnishment of wages that was filed by midland credit attorneys on an account that was already had an agreed settlement. I promptly called clearone advantage who advised my to contact midland credit as I no longer had accounts open with them and advised midland credit agency should speak with me. I called midland credit who would not discuss my account due to my representation. Therefore, I contacted XXXX XXXX back, filed the complaint and asked them to reach out to them to have this stopped due to the previous PAID and SETTLED account. XXXX XXXX advised this could take up to 2 weeks and someone would contact me back.
I had to call clear one multiple times to get an update, the negotiations department does not take calls from customers, the management would not call me back and on XX/XX/XXXX, I received a notice from my employer that my wages would be garnished for 25 % of my paycheck which is more than what I owe. To this date, no one seems to care besides 1 agent, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX who continues to call me even though there has not been updates. Her management has not called per her and my request. Even though she is does not have the authority to help, she at least talks with me to ensure she continues to escalate and try to get someone to assist me.
|
| 03/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management claims I owe them a debt they collected from a XXXX XXXX XXXX, which they purchased on XX/XX/XXXX. They had called me in the spring of XXXX and I verbally told them to cease and desist. The calls stopped and in late XXXX of XXXX, I had received a letter from them which was a " pre-legal noice. '' In that letter it stated I had until XX/XX/XXXX to contact them to make payment arrangements or face possible legal action. This prompted me to file a complaint against them with the CFPB in XXXX, as they were threatening to file negative legal action against me. I had mentioned that I am in a financial hardship in my original complaint against them with the CFPB and they had responded stating that they would table it for 90 days.
I then was advised by several friends of mine who are attorneys to send them a certified letter of a cease and desist notice, so I did. I then received a letter stating the debt is mine, though I have never heard of XXXX XXXX. See attached file. I know they got my cease and desist letter as I received the green signature card that was attached to be back of the envelop the cease and desist notice was enclosed in. Again see attached files. Their communications again violated my cease and desist order. I had also warned them in my letter that if the proceed with any legal action, I would go to the Indiana Supreme Court Disciplinary Board and file a complaint against the attorney representing Midland Credit Management, should they make the mistake to take legal action. I had three attorneys suspended before and will gladly do it again. I want Midland Credit Management and their subsidiary, Midland Funding not to contact me anymore, I would like them to consider this debt as uncollectible and take it off my credit report. I would also like to see a Federal investigation on the operations of Midland Credit Management, as they use questionable collections tactics and they do not have a good reputation from what I have read. The recent communications I received from Midland Credit Management along with a copy of the certified letter I sent to Midland Credit Management as well as the signed green return card, showing proof that Midland Credit Management received my cease and desist order are in the attached PDF files.
|
| 04/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties Midland Credit Management Inc ( mcm ) ( Debt collector ) Charged Off by XXXX XXXX XXXX XXXX XXXX XXXX My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like MCM to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) MCM has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This MCM ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to MCM ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant Midland Credit Management Inc For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX XXXX ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
|
| 06/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
|
| 06/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about 10 years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with two different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.
|
| 09/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX/XXXX, as well as, a collection agency by the name of Midland Credit Management , Inc .
XXXX XXXX has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name.
The account ending in XXXX was paid in full several times, but XXXX XXXX kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account.
As my attached statement shows, I owed XXXX XXXX {$62.00} as my total balance on the account in question as of XXXX of XXXX.
I made payments to XXXX XXXX in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account.
What XXXX XXXX has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for.
I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}.
For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them.
I would like the Consumer Financial Protection Bureau fully involved in my complaint, both XXXX XXXX, and Midland Credit Management can contact the Consumer Financial Protection Bureau, the Bureau can contact me.
I want XXXX XXXX XXXX, and Midland Credit Management, to cease and desist from contacting me again, about their fraudulent debt.
Midland Credit Management just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of XXXX XXXX XXXX without contacting me.
|
| 12/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.
|
| 03/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have false, negative claims on my credit report do to identity theft back in XX/XX/XXXX. These false claims are preventing me from purchasing a house at good rates for my family and I. There is a claim by XXXX XXXX XXXX stating I had an account with them in XX/XX/XXXX. I have never done any business with XXXX XXXX XXXX what so ever in my life. XXXX XXXX XXXX states I then charged a XXXX to that account and never paid the balance of {$300.00} USD. At the time of the identity theft I was banking with XXXX XXXX XXXX XXXX and was notified by them about the matter. XXXX XXXX XXXX XXXX informed me to sign a Police Affidavit stating that it was a case of identity theft. I then signed a police affidavit and submitted it back to XXXX XXXX XXXX XXXX. I thought everything was done with the issue being as though the money was never charged to my account with XXXX XXXX XXXX XXXX. XXXX XXXX Bank then started making harassing calls to me as well as sending threatening letter saying " if I don't pay the balance they were gon na send it to a debt collection agency. I tried explaining the facts of the matter to XXXX XXXX XXXX. Trying to tell them that I never had any business dealing with them and that was a case of Identity theft. They wouldn't listen. In XX/XX/XXXX, I was in the process of purchasing my first home. My credit was checked and a debt of {$380.00} USD showed on my report. The debt was being enforced by Midland Funding and was a result of XXXX XXXX XXXX transferring the debt to them. I reached out to XXXX XXXX XXXX to inform them I never opened an account with them once again and they just wouldn't listen to me. XXXX XXXX XXXX would just keep hanging the phone up on me. I contacted Midland Funding to inform them of the Identity theft that occurred with XXXX XXXX XXXX pertaining to the exact same debt they were attempting to recover. They were not listening and continue to send letters to me to retrieve the amount. I have tried disputing the debt with the credit bureau and nothing has happened. I hired an attorney to clean up this matter for me and ended up paying them more than the amount the debt is, still nothing has happened. I refuse to pay for goods never rendered to me. I refuse to be another American being rail road by XXXX XXXX XXXX.
|
| 01/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have reached out numerous times to midland funding concerning an account that I asked them to VALIDATE. I faxed numerous times a request to validate this debt and Midland credit has failed to respond to my request. The letter that I faxed them states : To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank You This account has been removed from all XXXX credit reports and now the account has been reinserted without the validation that I have requested. This account is to be removed immediately. For there is no application with my signature on it agreeing to this account. I want this account removed immediately.
|
| 11/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midland Funding aka MCM Midland Credit Management keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from XXXX XXXX from XX/XX/XXXX. This was from a root canal and capping of a tooth that had to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the XXXX account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, XXXX brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to Midland, but they just would n't do anything. I offered to pay {$30.00} a month to XXXX and to Midland and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.
|
| 01/13/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
Midland Funding LLC has fraudulently claimed to the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ) that they have received a Final Monetary Judgment in the Michigan Court ( XXXX XXXX XXXX District Court ) which they have not and which is completely fraudulent. This intentional fraud on their part has destroyed my Credit Rating and has caused me great monetary damages due to their intentional fraud. I have attached physical evidence.
The Michigan Supreme Court has asked the Michigan District Courts to suspend all actions of Midland Funding LLC in their Courts while the Federal Govt. currently investigates their fraud ( I have attached the Court Case which shows this suspension by the Court ). The XXXX County Court ( XXXX District Court ) has suspended all actions by Midland Funding LLC in their Court. Despite this case never being settled and no judgment ever being granted or settled, Midland Funding LLC went ahead and fraudulently ruined my credit with the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) and fraudulently reported to all three that they had received a final judgment from this Court which is completely untrue. I have reported this fraud on their part to the Court as well.
I would like to proceed with this Complaint and offer the CONSUMER FINANCIAL PROTECTION BUREAU this physical evidence of all the above and all of the additional claims that I have regarding this continual fraud by Midland Funding LLC. I also feel that they have no rights to this case or claims that they have purchased this debt from any Credit Card company and the dollar amount that they have claimed is fraudulent as well. I am not responsible for this debt and it is a fraudulent debt that they have reported as them being the new debt owners of. They have inflated this debt with tremendous additional charges and fees they have just added on or attached from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims with their fraudulent lawsuit from any original debt amounts. I do n't believe they legally purchased any of these debts and have no proof of their ownership of this debt and the amount is not accurate and inflated.
|
| 05/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, nor does this debt exist I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : MIDLAND FUNDING LLC {$1400.00} Dollars 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2 ) What is your authorization of law for your collection of information?
3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business in my state.
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.
Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.
I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they can understand a 1099c loss of income was filed with IRS, so this debt doesnt exist, nor does it report on my Credit.
I further insist that if you remove the garnishment, before I expose to the judge the fraudulent actions against consumers the Company participates in.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY, MIDLAND CREDIT MANAGEMENT, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE PREVIOUS THIRD PARTY COMPANY THAT MIDLAND CREDIT MANAGEMENT PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR. WHEN MIDLAND CREDIT MANAGEMENT PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.
According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) XXXX the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent.
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' MIDLAND CREDIT MANAGEMENT is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).
According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or a countersuit will be pursued. I have proof of claim showing that MIDLAND CREDIT MANAGEMENT hired and shared my personal information with XXXX XXXX XXXX XXXX XXXX. who filed a suit fraudulently against me.
|
| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Midland Funding of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX.
Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Midland is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.
Midland has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
|
| 04/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUND XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUNDING XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a MidlandFunding LLC. for {$1500.00} ( with XXXX XXXX XXXX, XXXX. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from Midland Funding LLC or XXXX XXXX XXXX until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called XXXX & XXXX and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit.
Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, Midland Funding LLC an article came up indicating your organization filed a Consent Order against Encore Capital and it's subsidaries ( including Midland Funding LLC ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from Midland Funding back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX at the time and the proof of service was filed in XXXX XXXX that indicates I was notified at my rental property in XXXX XXXX.
Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.
|
| 05/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed.
I have redacted personal information.
This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply.
We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately.
According to the form that you filled out, you have authorized MCM to send you emails.
Thank you, Midland Credit Management This communication is from a debt collector.
This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter.
I feel that I am upholding every part of the agreement, but they are not.
|
| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
I am filling a complaint against XXXX XXXX XXXX I had a credit card With the XXXX XXXX XXXX was opened XX/XX/XXXX the last payment on this card was XXXX on XX/XX/XXXX. XXXX XXXX XXXX researched there records when I filed a complaint case number XXXX with cfpb and said that they had nothing to do with the garnishment of my wages for this account because they charged this account off as a loss on XX/XX/XXXX with a balance of $ XXXX.The account was sold subsequently to XXXX XXXX onXX/XX/XXXX they said that they are sorry that I was unfairly treated and that I would have to get a hold of them because they no longer own or maintain this account as they charged it off 12 years ago.
So this XXXX XXXX has a garnishment on my payroll at my place of employment for a card that was already charged off as a loss 12 years ago and this place has had it for 10 years claiming that they placed it with the judgement in XXXX XXXX court onXX/XX/XXXX again 8 years later then they placed it with the XXXX of XXXX XXXX XXXX in XX/XX/XXXX and had them send a letter to my work to receive {$2600.00} from me for a debt that still from the date of the City Court was 8 years later I spoke with my lawyer and he said the statute of limitations runs out after 6 years from the date that you made the last payment and that this company is not adhere to all fair lending laws and regulations he said he will give them a chance to make this right with this complaint I want this to stop coming out of my pay and I want the money that they have received from my pay in the amount that they have received so far XXXX not only have they embarrassed me at my job but they are not doing the right thing to people and they should make this right also when I called them regarding this matter they were rude and said if you want this out of your hands gives us the hole amount and we will remove it and that I don't know my laws its 20 years and that what I owe them in interest and thats to bad I should have payed it in XXXX.
I feel that if they are doing this to me then they are doing this to many other people and they need to make this right am also filling a complaint with the XXXX office on this matter so they can see what these people are doing and how they need to get involved.
|
| 03/09/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
|
| 04/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to dispute the charge off in the amount of {$360.00} of XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to Midland Credit Management ( account # XXXX ), who is seeking to collect on the account as well.
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time.
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance.
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.
|
| 03/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management : I recently received extra money to pay off outstanding debts. I went to the collection company website, found the information I wanted to pay off. The amount on the debt was {$700.00}, it showed a settlement offer of {$410.00}. On XX/XX/2020 I paid the {$410.00}. 5 days later nothing was posted to my bank account. I sent a message asking why the payment is delayed, says on the website it can take up to 1-2 business days. XX/XX/XXXX is 3 business days, XX/XX/XXXX would be 4. Nothing changed no response from the company. 8 days later XX/XX/XXXX I called and spoke with XXXX was speaking to me from XXXX. XXXX first said the payment was returned NSF, after explaining how I was currently looking at my bank account, it has no record of the NSF. XXXX then proceeded to explain that before I could pay the settlement offer I had to decline my dispute on the 2 other accounts, these accounts are over 10 years old, I said this account that I agreed to pay has nothing to do with the other accounts. I said your company offered me a settlement I accepted this offer. XXXX again explains he can not help me until I agree to remove my dispute, I said is form of blackmail and fraud to offer a settlement then not agree with it. XXXX hung up on me. I then proceeded to call my bank, asked them if any charges from XX/XX/2020 to XX/XX/2020 were returned for NSF, they had no record of any transactions with a dollar amount higher than {$400.00} was attempted. At no point did this company attempt to pay the settlement offer. During the phone with XXXX, I asked can you send me the information showing the was NSF, said he could not do that it was against company policy, that I would be sent a letter with 7-10 business days, nothing showing this information has come in the mail. I sent 2 emails, asking for them to accept the settlement offer that I agreed to pay. Nothing no response. As of this day XX/XX/2020 no information has been sent, no payments have been attempted. When I go back online and look at the account, its blocked out for me to pay, it also shows the same day I paid XX/XX/2020, they declined the amount of {$410.00}. This company should not have settlement offers listed if they are not willing to comply with them.
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Applied for a mortgage and credit report said I had an outstanding judgement {$14000.00} Company : MIDLAND FUNDING LLC?? ; The judgement on the credit report has no information other than the debt collector and date filed XX/XX/XXXX. After further investigation, I did a search of MIDLAND FUNDING to see what this is all about and the company came up as another company MIDLAND CREDIT MANAGEMENT. The MIDLAND CREDIT MANAGEMENT Website prompts to enter personal information to find a debt and a pop window indicated due to the age of the account it will not be reported to the credit bureau. The company had available documents indicating owed balance totaling {$5900.00}, three different creditors different for the same account, conflicting dates, a long pay history from going back to XXXX of XXXX which made sense based on a open judgement for {$14000.00}.
Issue : 1.Why a judgement was filed on XX/XX/XXXX without notification and reporting in XXXX of XXXX?
2.Who is the entity Midland funding ?, MCM CREDIT MANAGEMENT?, XXXX? PER STATEMENT POSTED IN MCM ACCOUNT, XXXX? PER SCREEN ACCOUNT Filed. I do not know who the creditor is with all these different names and none of these name appear on my credit report except for Midland Funding LLC.
Statement provided from MCM with XXXX?? noted as a creditor has a bill date or report date of XX/XX/XXXX and judgement showing in XXXX which is 11 years later?
3.If payments were made, why is there a judgement and MCM amount is different from judgement. Who are these people???
4.Pop up says disclosure to not report debt to credit bureau because of age, but reporting to bureau as a judgement???
5. I only became aware of this because the mortgage company told me to fix prior to purchasing a home. A debt from XXXX from the bill looks like it was settled for less, but can not tell with limited information that is all conflicting.
Overall, I think this is a scam cause of all the conflicting information and just need this judgement removed so I can move forward with my home purchase. thanks you XXXX XXXX DISTRICT COURT/XXXX XXXX Filed XX/XX/XXXX Reporting to credit bureau as of XX/XX/XXXX and original debt on phony statement from MCM is dated XXXX?? https : //accounts.midlandcredit.com/ # / thank you
|
| 04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I am a victim of FRAUD. I have hired a credit repair company to try and help me. While applying for a home loan I still have several things showing up on my credit that is fraud and shouldnt be there. The credit repair people have contacted them many times disputing the charges on my credit file. They can't prove it was me because it wasnt me that did this. I need help getting these credit issues resolved. I have been dealing with this for years and need someone else to step in and help me get these accounts removed. This fraud has caused my family and I so much hardship. Below I will list several that are still showing up. Theres more but I will have to get with the credit repair company I hired to get the rest of the names and account numbers.
XXXXMidland funding XXXX account number XXXX in the amount of {$4900.00} opened XX/XX/XXXX XXXX. Midland funding / account number XXXX in the amount of {$440.00} opened XX/XX/XXXX XXXX. XXXX XXXX/ account number XXXX in the amount of {$930.00} opened XX/XX/XXXX XXXX. XXXX / account number XXXX in the amount of {$5.00}. XXXX XXXX / account number XXXX in the amount of {$480.00} XXXX. XXXX XXXX account number XXXX in the amount of {$600.00} opened XX/XX/XXXX XXXX of XXXX/ XXXX XXXX XXXX XXXX {$760.00} account number unknown XXXX XXXX XXXX XXXX / account number XXXX in the amount of {$3900.00} XXXX. XXXX XXXXXXXX XXXX / account number XXXX in the amount of {$940.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX / account number XXXX in the amount of {$1000.00} opened XX/XX/XXXX XXXX XXXX XXXXXXXX / account number XXXX in the amount of {$1500.00} These are all the accounts that I know of that have still not been deleted off my credit scores and breaus. The credit company I hired has been fighting these for XXXX year and they are still reporting on my credit as negative. I need these removed. What else can I do? Ive done everything possible to have this taken care of. Someone please help get this taken care of once and for all so I can get my credit back on track and go on with my life. I dont want to file XXXX but I might have to if I cant get this resolved. My phone number is XXXX.
Thank You for your time in reading all of this and for hopefully helping me get these erased.
XXXX XXXX
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom may concern This is a notice of default and opportunity to cure for Midland Credit Management Inc. as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me.
You failed to respond my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation and other several violations in the exhibit A ( attached ) Not only they ignored my prior requests for validation of debt included in the cease-and-desist letter ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character.
These two certified letters, receipt number : XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM and XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM was to formally advise you that I believe your company has violated my consumer rights in the following ways.
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you.
( Letter attached sent to you previously ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.
Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports.
I will reproduce an invoice and send it to your company with Federal violations due to me by your company if you don't comply with my remedy
|
| 02/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I was served with a complaint from XXXX XXXX who purchased a past debt from XXXX XXXX XXXX in mid to late XX/XX/2017. I called the company and asked if they were willing to accept a lower amount in full and settle out of court. The company representative refused to offer any discount and said it was against policy even though it clearly states in the complaint that they were willing to accept a discounted amount. I was then told that if I paid them I would not have to respond to the complaint in court and that it would be dismissed completely 10 days after the payment was confirmed. I saw no other option and asked for a letter for proof of our agreement. I did not receive this letter until 10 days later and it did not state everything that was agreed to, instead it was a generic billing invoice. I immediately called and and again attempted to receive a lower settlement amount due to my financial stress. I was denied. I then called again and confirmed that if I paid the debt on the website that I would 1. not owe any further money and 2. that my lawsuit would be dismissed. I asked for a timeline for when it would be removed from my credit and was refused an answer. I saw no other option as my time to respond was quickly approaching and I paid the full amount owed and waited. I then saw that the company rearranged what was owed so that a new balance of XXXX dollars remained. I called and I asked to be transferred to the attorney and was told that they were not allowed to per company policy they had to transfer me to another representative who might then transfer me to the attorney. After being transferred again I requested to speak to the attorney and after several refusals I was transferred. I did not get to speak to an attorney however and was transferred to the voicemail. I left my contact information and did not receive a call back. I was repeatedly reassured that my my case would be dismissed and that my account was completely paid off and would with time reflect the paid amount and be closed. I called again 10 days later when when the payment had posted and was told that the account was paid off and closed. I then checked saw that neither promise was kept. I am now hung up on and repeatedly transferred with no help.
|
| 08/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was contacted by Midland Credit Management , Inc ( MCM ) regarding XXXX accounts that were charged off from XXXX accounts I 'd held. After some negotiating we settled on XXXX dollars to settle XXXX account and XXXX to settle the other. The collector wanted me to pay right away of course but I was more comfortable paying with a money order, so as not to give away my banking information. While that was not his preference and he tried to deter me by telling about saving money on MY end in not a buying a pre-paid card etc, after researching and finding that this was a 'legitimate ' debt collection agency, while I still would not send them my banking info, I decided on postal money orders. At NO time did he tell me they would not accept money orders for settlements. I called a few days later to ensure that my money orders were received. At the time they had not been, however, the account rep with whom I 'd negotiated the settlement all of a sudden stated that they could not accept money orders unless they were simply being applied to the outstanding balance on the account. That is NOT what he said on the phone. In addition, the initial letters state that the credit report would show settled for less than the full amount owed. MCM also sent a letter a few days later with the same negotiated settlement spelled out. Nowhere in the paperwork does it state a stipulation regarding type of payment. Finally, I got paperwork from them in the mail today ( XX/XX/XXXX ) showing that they did exactly what the guy ended up saying they would do. They applied my negotiated settlement amounts toward the BALANCE of the accounts. When I called about this, NOW they state that the account has a judgment against it and they do n't know why the account manager made me such a low offer for settlement. Also, the letter received today states that my " payment plan had expired ''. The previous collection letters, which I used to send the money orders ( and received a week later ) did NOT say anything about an expired time period. Though the due date on the letters say XX/XX/XXXX, the letters were sent to me AFTER that and I did not believe that there would be a problem with these people after I sent the payment I negotiated in good faith with them.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
IN RESPONSE TO CFPB : XXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I have a Judgement against me by XXXX XXXX.
Recently XXXX XXXX in the case submitted Documents regarding the sale and transfer of the debt from several prior owners. ( See attachments ).
In each of these Bill of Sales there was not one instance where there was any information submitted that specifically names the debtor. It mentions files being attached regarding each sale and transfer but there was nothing Consumer specific listed in any of these Bills of Sale, etc.
According to the Consent Order that XXXX XXXX agreed to on XX/XX/2015 on pages XXXX thru XXXX under the Subheading : PROHIBITION AGAINST THREATENING OR FILING COLLECTION LAWSUITS WITHOUT AN INTENT TO PROVE THE DEBT, IF CONTESTED : Encore, which is XXXX XXXX parent company, is permanently restrained and prohibited from initiating a Legal Collection lawsuit unless in possession of Original Account Level Documentation which must contain the following : " A Bill of Sale documenting the transfer of ownership of the debt which must include a specific reference to the particular debt being collected upon. '' Again, as you will note in the attachments there were never any specific reference in these Bills of Sale to the debt being collected on.
On page XXXX item XXXX of the consent order that XXXX XXXX agreed too it also states : For the Dispute Affidavit Lawsuit Debt that has yet to be collected ... Encore must within 90 days of the Effective Date of the consent order being issued : a ) Withdraw, dismiss or terminate all pending Dispute Affidavits Lawsuits, b ) Release or move to vacate all Judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c ) Cease post-Judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits.
As you can see XXXX XXXX has again violated the terms of this consent order.
I recently lost this case in court having pointed out to the Plaintiff regarding the need for account specific information in the Bills of Sale in court, yet no acknowledgment was ever given on it.
As I stated this debt is not mine and still dispute it.
The Plaintiff began garnishing my wages on the Judgement recently so a speedy resolution to this would be appreciated.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Midland Credit Managements UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX Chief Executive Officer This letter is being sent in reference to any and all accounts and resulting files created and maintained by Midland Credit Management whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX ; BANKS in violation of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ.
( identity theft and consumer fraud ) Pursuant to 810 ILCS 5/ et seq XXXX XXXX or any other responsible agent of Midland Credit Management must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of Midland Credit Management and a non-interested third party as witness to said contract that may exonerate XXXX XXXX from the claims of identity theft and commercial fraud of which Midland Credit Management is being accused.
If agents representing Midland Credit Management can not provide or make accessible the requested proof of contract within thirty days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX XXXX on behalf of XXXX XXXX as a religious contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter.
Should agents of Midland Credit Management choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by Midland Credit Managements agents.
All rights reserved without recourse /s/ : XXXX ; XXXX
|
| 09/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to file a formal complaint against Midland Credit Management regarding their failure to respond adequately to my validation request, which I submitted in accordance with the Fair Debt Collection Practices Act ( FDCPA ).
On XX/XX/2023, I sent a letter to Midland Credit Management via certified mail, requesting validation of the alleged debt they claim I owe, as well as specific information related to the debt. In my letter, I clearly outlined my requests in accordance with the FDCPA, including : 1. Clarification of the nature of the debt.
2. Detailed calculations leading to the stated amount.
3. Copies of documents demonstrating my agreement to the debt.
4. Verification or a copy of any relevant judgment, if applicable.
5. Identification of the original creditor.
6. Proof that the Statute of Limitations has not expired.
7. Confirmation of their authorization to conduct collections in my state.
8. Their license numbers and details of their Registered Agent or Agent of Service.
Despite sending this letter via certified mail, I have not received any response that fulfills these requirements. Instead, I have only received an invoice or bill from the original creditor, which does not address the specific information I requested as per the FDCPA.
This lack of response has left me concerned about the accuracy and validity of the debt in question and has impacted my credit report negatively. I believe this non-compliance with the FDCPA and the failure to provide proper validation is a violation of my rights as a consumer.
I kindly request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their failure to respond to my valid and lawful request for debt validation. I am also requesting that Midland Credit Management be held accountable for any potential violations of the Fair Debt Collection Practices Act and any other applicable consumer protection laws.
The amount of debt they claim was {$7100.00} which is reported differently at XXXX, XXXX and XXXX as {$7100.00} I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me should you require any further information.
|
| 02/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Re Midland Credit Management ( " MCM '' ).
In late XXXX, one of my credit cards owned by XXXX XXXX was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with XXXX, which reversed all charges, and also investigated the claim for me. My account with XXXX is current and has been at all times since that event.
18 months later, MCM began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed XXXX this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, MCM agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, MCM filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) MCM is acting fraudulently, or with gross negligence, with respect to the claim for which MCM is wrongly attacking me, and, in doing so, MCM is using what I believe to be illegal, and without question reprehensible, tactics. MCM needs to be stopped and to compensate me for the damages it has caused thus far.
Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.
|
| 05/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland Funding Llc Opened XX/XX/2018 - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Midland Funding Llc Opened XX/XX/2018 - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
First, this is a note for CFPB ; this company was not actually imitating a lawyer or anything like that, there just wasn't an option for anything else.
On or about XXXX, XX/XX/2023, I received a phone call from a phone number, XXXX and the Called ID showed up as " XXXX XXXX. '' Now, I answered the phone because I was actually supposed to have a call from a doctor about that time. When I answered the phone, the person asked me to confirm that I was me, but didn't identify themselves. He then said he was going to transfer me over to a provider, and the transfer took all of a second, which seemed a little strange to me and more like they just handed off the phone. The other person then started talking, and at this time, I realized both of them had an XXXX accent, and it seemed a little weird. At this point, I asked who she was and she was with. At this point she identified herself and said she was with Midland Credit Management. This is when I hung up.
The Fair Debt Collection Practice Act, specifically, 15 USC 1692e ( 10 ) and 15 USC 1692e ( 14 ), as well as the Arkansa Fair Debt Collection Practice Act, specifically, ACA XXXX ( 10 ) and ACA XXXX ( XXXX ), strictly prohibits debt collection agencies from using any type of deceptive practices to try and collect a debt. Because this call was extremely deceptive in nature, it is believed that Midland Credit Management violated the aforementioned articles of federal and state law. Each law affords a civil liability to the offender in the amount up to {$1000.00} per offense. It will be my intention, if this issue is not addressed by the company with 30 days, to file a claim in court for violations of federal and state law, as well as seek relief for each section violated. 30 days from the time of this filing will be XX/XX/2023.
At this point and on this day, XX/XX/2023, I demand that Midland Credit Management cease any and all communication and collection efforts, to include but not limited to ; emails, phone calls, letters, post cards. Any communication, other than response through this filing, or an offer to settle this matter, will deemed as a further violation of the Federal Debt Collection Practice Act and Arkansas Fair Debt Collection Practice Act.
|
| 07/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/XXXX and spoke to one of their management team XXXX XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!!
Instead of ACTUALLY investigating this on XX/XX/XXXX MIDLAND FUNDING LLC responded to my complaint made via the CFPB portal stating that they could not locate an account for me. HAD THEY ACTUALLY read my complaint and investigated my complaint they would have found that the account that was fraudulently opened was done so UTILIZING MY SOCIAL SECURITY NUMBER WITH A DIFFERENT NAME that is NOT ME. MY CONCERN IS THE FACT THAT MY SOCIAL SECURITY NUMBER IS BEING TOED TO A DIFFERENT NAME THAT AGAIN IS NOT ME THEREFORE OF COURSE YOU WOULD HAVE NO ACCOUNT MATCHING MY NAME BECAUSE I NEVER OPENED ANY ACCOUNT AT ALL!! However, this debt is being reported on MY CREDIT REPORT UNDER A DIFFERENT NAME, THAT AGAIN IS NOT ME!! This is my 2nd COMPLAINT TO THE CFPB I WAMT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS AS THIS DEBT DOES NOT BELONG TO ME.
|
| 06/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA.
To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states.
As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights.
Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX.
I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name.
I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX hereby request for a full disclosure on ownership on a debt stated by XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New Jersey has a licensing and bonding requirements for debt collectors and/or debt buyers, I have not been given the necessary documentation the this debt buyer is licensed or bonded in the state of New Jersey. The problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. 16-349 Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New Jersey. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New Jersey have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
|
| 11/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified letter to Midland Credit Management. The letter requested validation pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c.
The following information was required to be filled out in its entirety as well and failure to provide this information forfeited any and all alleged rights.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Midland Credit Management the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the Name, Phone Number and address of the bonding agent for Midland Credit Management, in case legal action becomes necessary : Is your business license to collect debts in my state, Virginia?
Provide your business license Number : Midland Credit Management responded with a letter dated XX/XX/XXXX but did not provided all the requested information. I was only provided one billing statement from the original creditor XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX, XXXX letter dated XX/XX/XXXX from XXXX XXXX stating the account had been charged off and sold to Midland Credit Management, and one cover letter from Midland Credit. Therefore insufficient information was provided and there is not enough evidence to prove debt validation. Midland Credit was not able to provide proper debt validation to establish a right to collect this alleged debt.
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received 3 emails from Midland Credit Management regarding pre-legal action that will be taken against me for debts. On XX/XX/XXXX, I sent 3 letters via certified mail with a return receipts. Each letter stated the following : NOTICE OF DISPUTE To : Midland Credit Management Inc., I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802.
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading.
This is a warning! You have violated my rights as a consumer and if you do not cease all collection activities and request for this account to be deleted from my consumer report, i will commence a civil action against your company, in the United States district court.
Sincerely, XXXX XXXX I would also like to make it known that I did not use my signature to sign the letters that were sent to them. I typed my name on each letter.
|
| 06/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
In mid-to-late XXXX I received a letter ( see attached ) in the mail from Midland Credit Management stating that I owed {$4200.00}. I was surprised to receive this letter because I had recently thoroughly reviewed my credit report and did not see their outstanding claim. At first, I didn't believe it because my credit score is XXXX. Shortly after receiving this letter I received a summons ( see attached ) to appear in court ( XX/XX/XXXX ) related to this matter. Shortly after receiving the summons I contacted Midland Funding Management to " Resolve Your Legal Collections Account '', and to " avoid any further legal action '' ( see attached letter ). These 2 statements are printed boldly on the attached correspondence. I am a nurse at XXXX XXXX XXXX and Human Resources monitors these things so that I thought it best just to put it behind me. I went online XX/XX/XXXX at www.midlandcredit.com to set up a payment plan ( see attached ). The first payment was made XX/XX/XXXX.
After entering into the agreement and making a payment I received nothing in writing. I called an account manager at Midland Credit 2 weeks ago concerning the issue of no documentation regarding our settlement. He said that a letter was being sent out that day. I have not received any correspondence in the mail or e-mail as of XX/XX/XXXX, with my court date looming in just a few days. He also said that Midland credit was not going to withdraw it's lawsuit and that they would still press for a judgment. I asked him how I had gained anything at all if they were going to continue to pursue legal action. He said that they would hold off on wage garnishment and additional legal action.
My complaint is that Midland Funding uses deceptive credit collection techniques to collect the debt. There is no doubt that any reasonable person would think that they are putting a legal matter behind them by entering into a settlement agreement with them. And furthermore, they knowingly delay getting you any correspondence ( mail or e-mail ) in writing before your court date so that they can lull you into thinking that your legal matter has been settled. And then when you don't show up to your court date they can get their judgment uncontested.
|
| 09/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
My issue with this XXXX is that I keep having different continuing issues with this XXXX reporting inaccurate information on my credit report. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation or purposeful and deliberate actions on their part for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account that they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureaus. They are reporting the date first delinquency reported as XXXX and if they just began reporting it even though they have been reporting it prior. Previous to my dispute and complaint they were reporting as placed for collection XXXX. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and date first delinquency reported as XXXX and open and reporting it as if it is a new account. They are trying to throw off the credit bureau 's system and impact my credit score negatively in a big way, on purpose. This is the same collection agency just reporting it differently, although they do have about XXXX different names. The name does n't seem to have changes on my report, just the dates and other things keep changing. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. This debt is a very old debt they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting. I would like them to stop playing games with my report and stop with the inaccurate and deliberate incorrect reporting of this account.
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.
According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].
Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].
According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages.
Thank you for your attention to this matter.
Since XXXX XXXX XXXX.
ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
|
| 03/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, Midland Funding LLC, served me for a Judgment hearing on XX/XX/XXXX. They served the paperwork to my old address ( which a change of address was filed XX/XX/XXXX, and updated at the XXXX on XX/XX/XXXX ), not my current address. I also was not contacted before XX/XX/XXXX, when they served the notice for a Judgment hearing, and after receiving the notice, attempted several times to validate the debt with them on several occasions.
On XX/XX/XXXX, I attended the Judgment hearing, which no ruling was issued. Midland Funding 's representation stated several times during the hearing that they had contacted me via certified mail, but failed to provide any proof of receipt. No ruling was issued at the time the court entered recess. I had contacted Midland Funding several times afterward ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each time the associates I spoke to at Midland Funding either hanging up or placing me on hold for over an hour, after I asked about getting some kind of payment plan setup or asking if they could work out a settlement on the debt they stated I owed ( but refused to validate ).
On XX/XX/XXXX, I got notified by my employer ( XXXX XXXX XXXX ), that they had received a garnishment notice. I contacted my HR department as soon as I was notified, and found out that Midland Funding had gotten a garnishment for {$XXXX}. I immediately attempted to contact Midland Funding. I spent 50 minutes on hold, during my lunch break, before being hung up on. I attempted to contact them back on XX/XX/XXXX, and after spending almost an hour on hold, was told that " We do not do any kind of payment option, we will just continue to sue you until you pay us what we say ''.
I have made several attempts to communicate with Midland Funding to both validate the debt since and to try to work out an agreement. Midland Funding has provided me with some information in an attempt to validate the debt, however, has redacted any information that would allow me to correctly validate the debt. Midland Funding never validated the debt prior to getting a judgment and is now using the same information to garnish my wages for a debt that they will not validate.
|
| 07/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I had a credit card first from XXXX who sold it to XXXX XXXX. I disputed the charges and told them I did n't owe that much. The next thing I knew they went out of business and XXXX took it over. I disputed it to XXXX, then midland funding took it over I disputed it to them. I tried everything to get them to understand but it did n't matter how many times I talked to them they continually ignored what I tried to tell them. I asked for an account of all the purchases that were made from them all so I could see why they were charging me so much but was refused by all. midland funding promised to send it but instead filed a suit against me in court. This was after they promised to send me copies but never did. I sent certified and registered letters to them and was told they had 30 days to respond but, they never did. In XX/XX/XXXX I received papers from the court. I was told I needed to file an answer. I filed it and was told it would go to arbitration. They said I would here from the lawyer chosen within a couple weeks and that I would have a date for arbitration by XXXX XXXX. I did not hear from him until XXXX XXXX and he gave me 2 days to send him the money. ( {$500.00} ) During that wait time I received a couple more letters from midlands lawyer that I did not understand but had no more money for another lawyer and thought I would see them in arbitration. I then received notice that I had lost and there would be no arbitration shortly after I send the money. When I sent the money I told him the day he picked was fine and that I just needed a time so I could let my work no. I received a letter ( copy ) saying that I stated the date was not good for me which, was a lie. That was after not hearing from him in the time I was told I would. I believe he had already made up his mind before he sent me the letter to send him money. I never dreamed I would be denied arbitration. The lawyer that drew up the answer asked again for a list of purchases and told me if they did n't produce them then they could n't win. They did an end run on me to keep from producing them. I have been literally sick from all of this it is like talking to a wall with these guys. I t seems as all they see is dollar signs.
|
| 07/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Complaint is against Midland Credit Management Inc. Original Creditor XXXX XXXX This debt is 10 years old. I had disagreed with amt reported when I was originally contacted by mail by Midland Credit. They had reported this on my credit for years and I was under the impression this dropped off have n't heard from them in years- Home phone number was the only number provided and They stopped calling and mailing anything some time ago. XX/XX/XXXX XXXX XXXX I get a strange call on my cell, the person was male and very hard to understand he refused to identify the company her was calling from and transferred me. The Next person who gets on the line also very difficult to understand and initially also would tell me who he was calling from- when he did he immediately started yelling at me- most of which I could n't understand- when I figured out it was midland, I point blank told him the debt was over 6 years old I was n't paying it and did n't agree with it. I told them not to call me again they were violating my state law. On XX/XX/XXXX I received an offer from them dated XX/XX/XXXX trying to get me to pay XXXX. I filed it away. I was laid off in XX/XX/XXXX and in XX/XX/XXXX I was made and offer of employment and It required a back ground check- and low and behold is a listing under civil Claim stating a JUDGEMENT supposedly from XX/XX/XXXX. I was never served papers for this, AND I have refinanced my home twice and have changed jobs ( which all require a background and credit check ) where this was not listed. The Credit report also staes an amount double of what Midland is offering me to pay- which I ca n't imagine happening IF they had a Judgement. Yesterday I received a notice from XXXX letting me know I had something reported to my credit that is a negative- it is MIDLAND. I think this is illegal and at this date now bogus and I do n't appreciate being threatened and then false info deliberately being reported on me. Particularly since this can effect my ability to get a job. This would have shown up and I would have been required to pay it had it not gotten too old- I do n't think it is legal to even put this back on based on age, original amount AND the fact there is no JUDGEMENT!
|
| 01/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Approximately 2 years ago, around XXXX or XX/XX/XXXX I began receiving phone calls asking me if I had opened a credit card with this company or the other. I repeatedly said no, I hadnt. I became weary of people calling who asked me for personal information. At some point I spoke to someone on the phone who stated she was from some credit approval department or other and asked if I had applied for a credit card with their company, I said no. She said someone had tried to open a line of credit in my name and social security number and recommended I put a fraud alert. Following that conversation I put a fraud alert. Sometime after that I was contacted by a secret service agent who informed me I was the victim of identity theft along and she had an ongoing investigation as I was one among many people who had their identity stolen. I was informed I was the victim of identity theft by Secret Service Special agent XXXX XXXX. The contact number I have for her is Cell : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX or email XXXX. I put a freeze on my credit and renewed the credit freeze since.
More recently, with in the last 6 months, I started receiving mail from XXXX XXXX at Midland Credit Management, that stated I have a XXXX XXXX XXXX XXXX CREDIT CARD notice that I have a current balance I responded to their mail notifying them I am a victim of identity theft and provided further details. I requested they stop attempting to collect the amount since I did not open a credit card with XXXX XXXX and do not owe them money. They continue to send mail and I responded again within the last month or two, again stringing that I am a victim of identity theft. I have notified them again on XX/XX/XXXX that I am a victim of identity theft, did not open a credit card with XXXX XXXX and and do not owe them money. I also requested that they send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
|
| 09/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a call from the number XXXX at work on XX/XX/2019 at XXXX XXXX. I was already in another ( work-related ) call, so I rejected the call. I called the number back a few minutes later, and the person stated the call will be monitored, it was an attempt to collect a debt, his name and the company name. I informed him that I received a call from that number, and he asked me for my name. Then he stated that he pulled up my records and needed me to verify the last four of my social security number.
Having been a victim of identity theft in the past and the increase in telephone scams lately, I was wary of giving him the last four of my social. I stated my concern and asked the representative what account he was calling about to see if I recognize the account. He refused, stating that he couldn't divulge any further information until I verified my identity. He proceeded to ask me for my date of birth. I told him again that I didn't feel comfortable giving out my information all willy-nilly to some random stranger claiming to call from a debt collection agency, yet he couldn't even verify the name of the account in question. The representative proceeded to tell me, " You not giving me any information. We already have it. You're just verifying it. '' From my understanding of the English language and sentence structure, in this context, " verifying '' and " giving out '' my information means exactly the same thing. I have no way of verifying if this person is who they say they are, and it wasn't like I was asking him for his company 's secrets. I was only asking for the name of the account in question, which I couldn't do anything with besides like maybe pay it off -- and, never in my adult life, have I ever heard of someone stealing another person 's identity to pay off the victim 's debt. On the other hand, with my the last four of my social, date of birth, AND address, someone could literally call my bank/credit card company right now and do some damage. The representative stated that he could not speak to me about the account any further until I " verified '' my information, so I hung up on him.
Overall, this representative from Midland Credit Management was being shady.
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management purchased a debt from XXXX XXXX XXXX and I had no involvement with the transaction. I have reached out to the multiple times via USPS, and have a certified mail number XXXX asking MCM for information that shows I in fact owe this alleged debt ... .they have not produced this.
According to 15 USC 3002 I am the natural person which means my name in all caps is not me. My name is XXXX XXXX.
In 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection Bureau, XXXX, XXXX and XXXX are assuming to be credit Bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau.
Also, on XX/XX/, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts.
This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Furthermore, I never agreed for my information to be shared with anyone at any time nor did I receive any disclosures and according to 15 USC 1681 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
|
| 07/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
|
| 08/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received phone calls from the same number out of XXXX XXXX, California (XXXX) on XXXX XXXX at XXXX, XXXX, and XXXX. I usually don't answer these types of calls, but the last two times I did because I actually had an issue with a parking ticket in XXXX XXXX when I visited there back in XXXX, so I wanted to make sure the call was not about that. Both times that I answered no one on the other end responded.The same number called again on XX/XX/XXXX from someone saying they were from Midland Credit Management. They claimed they were calling me in regards to a debt on a XXXX XXXX XXXX that was closed back in XXXX??? They had information that I owned the card from XXXX until XXXX (I believe this is true…I did have a XXXX card around that time that was cancelled by XXXX due to inactivity), and that the account was closed by another party in XXXX. They threatened that if I didn't pay the debt they would make a denunciation on my credit report??? First I told the woman on the phone that all of my bills are currently paid. She insisted that I have a debt that needs to be paid. I asked them how it is that I am receiving a call now about an account that was closed in 2011…this makes NO sense! The woman again told me I have a debt to pay. I asked her to clarify what this particular "debt" is for, and she said it was for a roughly $80 past charge on the account which was closed in XXXX? I told her I did not understand what she meant, and I asked what the charge was exactly for. She told me to hold while she looked up my account information, and after a little over two minutes on hold (I heard the woman clear her throat a couple times) she hung up on me. They have not called back in the 7 hours since.My biggest concern is that I know my XXXX information was breached during the recent cyber attack against them. The fact this woman had my account history that could have come as a result of this breach makes me wonder if this company is linked with that cyber terrorist attack, and why I am making this complaint. I did a little research myself and see that this “company” has been harassing people with false claims since XXXX. Something needs to be done to shut this down!!!
|
| 05/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Midland Credit Management informed me that I have debt from XXXX XXXX XXXX that has been transferred to them, then I made requests that they sent me debt validation documents to establish their claim which they declined give me couple of time and were just routing my calls to different department. ( The sign agreement is the basis of every transaction which I'm entitled to see ).
Then in XX/XX/XXXX, I received a summon from conciliation court to appear because MCM represented by XXXX XXXX has sued me on the alleged debt. The hearing was scheduled for XX/XX/XXXX. Again I immediately made effort twice to write both parties to send me signed agreement on the card to valid their claim but all they sent was bill of sale, and statement. Also, I called both entities but was been pushed around and told that they don't have the document I requested.
During the cause of my call to Midland Credit XXXX, I discovered someone in XXXX has access to my Personal Identification Data ( Name, Address, DOB, SSN ), through their organization mismanagement of data of which I confronted the individual. That individual quickly hung up the phone when I told her i will file a complain about the breach. I wrote 2 letters to MCM to explain why my data is in XXXX through them and to establish the debt again but they ignored my concern.
I have received a lot of phishing, scamming attack and scammer calls since from the period that MCM notified of the alleged debt.
At the hearing, I mentioned to the judge all the efforts I made to MCM to validate their claim to furnish me with the agreement on the alleged debt and the breach of my PII but the judge quickly shut me down and gave the plaintiff the opportunity to bring in statement, bill of sale denying me the chance to defend myself as specified by the law, I'm planning on vacating the judgement because the hearing was bias.
I have attached the letters of validation I sent to MCM and XXXX XXXX I will like FTC to assist me in this matter because I'm financially handicap, I lost my job for over a year during the pandemic, I'm currently going to school, got sick thrice and just getting back on my feet after I escaped from my abusive spouse.
thank You
|
| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to Midland Credit Management and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at 4pm and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and the XXXX, XXXX & XXXX a Non-Government reporting company.
Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.
Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX, XXXX & XXXX a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX, XXXX and XXXX have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of {$1000.00}.
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I noticed Midland Credit was on my consumer report. I called and inquired if they own the debt of which they're requesting of me- they said yes. I then issued a dispute to the 3 major credit agencies and to Midland as well. I requested a wet signature that indicated a contract between me and Midland Credit, a chain of title, and the ledger for the debt in question. I didn't receive anything. I called Midland after the credit agencies said their dispute was completed and asked them why their information was still on my report and that they were in violation of FCRA 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are also in violation of 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have not gotten permission and they have been advised to cease and desist any communication in relation this alleged debt.
( b ) Communication with third parties They are also in violation of 15 U.S. Code 1692c which states Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Again, they have not received my consent.
All of these actions and violations from Midland Credit has caused me great distress emotionally and physically. They are oppressing me and can not provide me simply with the things that I'm requesting.
|
| 08/12/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Fund This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XXXX/XXXX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with XXXX to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Midland Fund went unanswered within the specified time frame according to the FACT act ( XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & MIDLAND FUND with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( MIDLAND FUND claimed they sent documents to me on XXXX XXXX, XXXX, during a follow up phone call. Which is past the specified time frame regardless. Plus, I still have not received them. ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress in XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1.Midland Credit Management 2XXXX XXXX As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files.
Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable.
I kindly request that you take the following actions : XXXX. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.
XXXX. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX.
XXXX. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.
Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.
I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX
|
| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NOTICE : Identity Theft Nonpublic Information Shared Without Consent Attn : Consumer Support Services I conditionally accept your offer upon proof of bona fide claim.
1. Pursuant Federal Law 15 USC 1692 ( a ) congress made it very clear that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors which includes Midland Credit Management. Congress also made it clear that Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
2. Pursuant to 15 USC 1692 ( e ) congress also made it clear that the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, and to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
3. Pursuant to 15 USC 1692 ( XXXX ) I am a consumer a natural person not obligated to pay XXXX XXXX Funding.
On ( XX/XX/22 ) I received a letter in the mail from your company ( Midland Credit Management ) stating that I allegedly owe {$960.00}. In fact, pursuant to 15 USC 6801 ( a ) I believe my nonpublic personal information was stolen, used or my individual privacy rights were violated by Midland Credit Management. I did not consent to or give Midland Credit Management authorization to have my nonpublic personal and private information. Please provide me with an express written consent or authorization form as proof of bona fide claim.
Please be clear, complete, and accurate with any supporting documentation that proves your claim is valid.
Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability for XXXX XXXX dollars ( {$10000.00} ) each day this account is being furnished on my credit report. This is my offer to Midland Credit Management. Failure to comply under federal law will result in a claim filed against you.
Regards, XXXX XXXX
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification.
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.
Please acknowledge that you have received this notice within 14 days.
|
| 06/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX XXXX , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling Midlands accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling Midlands account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to Midlands failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
|
| 04/04/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I filed a complaint 4-5 yrs ago with FTC re ; Midland Credit Management LLC They had purchased some of my old debt after we had a financial hardship. Midland Credit Management kept doubling and tripling the amounts owed, so I complained. Maybe a year or so after my FTC complaint Midland Credit Management sent me letters for each account and was told they were being removed from my credit reports, and they were. I have not herd from then since, more than 3yrs. Now XX/XX/2017 I start receiving notices from them for XXXX credit cards, ( XXXX & XXXX ) XXXX is a XXXX/paid the other is very high and not a correct amount, I know it is less. I tried making a arrangement with them but it was n't good enough. I explained that I am on XXXX and I do n't earn much from that but I be willing to make small payments each month plus I wanted the amount owed looked into. They were trying to get me to agree to a 'temporary ' payment plan every 90 days, I was like why? My offer amount was n't good enough to put on a Payment Plan I was told. They also wanted my banking info before they could send me a letter confirming the arrangement, which I said NO. This company is just one horror story after another and I will not try working with them again. I have made slow but steady progress in making good on old debt and the agencies I 've dealt with have been very good. But Midland Credit Management is terrible. They twist there words around while you speak to them and at times I had to ask them to repeat themselves because they are hard to understand, plus its not even the United States I 'm connected too ... what 's up with that? Three different people, three different countries I 'm speaking too. My old complaint was how they took a bill for XXXX and turned it into a bill for XXXX in the course of 3 months ... only to be told by a rep, well we just received it and be thankful we can make an offer for at least XXXX ... .seriously? Again I do n't have a problem making good on my debt, even on XXXX I 'm trying, but I will not allow Midland Credit Management to rake me over the coals. I will never give them my banking info, how can thousands of complaints against them be wrong? Thank You
|
| 12/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This is a complaint against Encore Capital Group and its continued collection of a debt while the account was under investigation and is still under investigation for fraudulent charges. On XXXX/XXXX/XXXX the judgement against me initiated by Midland Funding was set aside because of lack of sufficient service. The writ of garnishment was squashed. In court, I was handed an overview of the account ending in # XXXX and I stated in court that charges that created the balance were not mine. ( see minute entry XXXX/XXXX/XXXX and XXXX pages of spreadsheets printed by Midland Credit Management ) The funds that were obtained from the first garnishment that was quashed, my employer had to assist me to get the funds returned from Midland Funding LLC. ( see attached emails dated XXXX/XXXX/XXXX ). Over the course of next several months, I filed XXXX motions to compel against Midland Funding LLC, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but was told both times by Midland Fundings ' attorneys, they had no more information on the debt. At the XXXX/XXXX/XXXX Motion to Compel hearing the Judge ordered an FTC Fraud Affidavit to be filed. XXXX See minute entry XXXX/XXXX/XXXX ) I sent the FTC Fraud Affidavit along with a Police Report to XXXX XXXX XXXX Attn. Fraud Investigation. I informed Midland Funding LLC. I was a victim of fraud and I had submitted my FACTA request to the creditor. XXXX see letter dated XXXX/XXXX/XXXX to XXXX and XXXX XXXX After filing a CFPB complaint # XXXX against XXXX the original creditor, the FDIC opened a complaint ref # XXXX dated XXXX/XXXX/XXXX. That complaint is still unresolved and the FTC Fraud Affidavit is still an outstanding issue on this account. On XXXX/XXXX/XXXX Midland Funding LLC sent me the notice of wage garnishment to collect the debt ( see Response To Initial Notice Judgement Debtor/Request for Relief of the Order for " Writ of Garnishment '' and supporting documents ). In XXXX XXXX Midland Funding LLC garnished my wages for the Judgement dated XXXX/XXXX/XXXX for a total {$1500.00} On XXXX/XXXX/XXXX, despite my objections because of the fraudulent charges, Midland Funding LLC still requested a Motion of Continuance for there garnishment.
|
| 04/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT FILED A LAWSUIT AGAINST ME IN THE XXXX DISTRICT COURT IN XXXX XXXX MICHIGAN ( CITY OF XXXX ) FOR {$1900.00}. I have NEVER had an account with Midland Credit Management and I have never received any notification or correspondence from MIDLAND CREDIT MANAGEMENT until a court server served me lawsuit paperwork stating that I owe them nearly XXXX XXXX dollars. I have submitted a response ( answer ) to the XXXX district court as well as a written answer has been sent via certified mail to midland credit managements lawyers XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX, stating that I do not owe said debt and have never received any correspondence from Midland Credit in regards to the debt and I have never held an account with them.
Upon filing my answer with XXXX district court I was informed by the COURT CLERK that MIDLAND ATTEMPTED To swindle me by using an old case number for the documents they sent me of XXXX ( WHICH that case WAS DISMISSED IN MY FAVOR- to have me think that an ANSWER reply was not needed which would have then automatically given them a default judgment ) - the correct and new case is XXXX- which is the case that had I not filed an answer I would have been forced to pay a debt I do not owe- I am claiming that midland is practicing and attempting to collect an illegal debt as well as they have illegally placed a collection account on my credit reports via XXXX, XXXX, And XXXX which has caused my credit scores to plummet as well as this lawsuit has caused emotional and financial distress. Under the Fair Debt Collection Practices Act ( " the FDCPA '' or " the Act '' ), 15 U.S.C. 1692et seq ) Midland Credit Management is violating my rights as a consumer due to me not receiving proper notification of owing any said debt, not being allowed to dispute said debt, not being allowed to request their licenses and documentation showing if they can collect debts in the State of Michigan, as well as by placing a frivolous collection account on my credit reports and lastly filing a lawsuit in an attempt to collect on said debt.
|
| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received 3 debt collection letters from Midland Credit Management Company for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to Midlandcredit.com just in case the letter was a scam. I chatted with XXXX XXXX of Midland Credit Management and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called XXXX XXXX, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called Midland for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so Midland has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with XXXX XXXX XXXX, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with Midland in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
|
| 05/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I recently found a large debt collection on my Credit Report. The attempted debt collection was for a past debt paid from a credit grantor, XXXX XXXX XXXX. For over a year the debt related to that account has been reported as a balance of {$0.00}. I paid the outstanding amount shortly after they closed the account. THE MIDLAND CREDIT MANAGEMENT collection account appeared on my credit report on XX/XX/XXXX. The account is listed as opened on XX/XX/XXXX. As of XX/XX/XXXX, the original creditor reported the account as charged off with a balance of {$0.00}, reflecting that I had paid them for the outstanding amount. This account was originally opened on XX/XX/XXXX. For many months, this account has been listed as an old charged-off account, reporting a {$0.00} balance on every credit report I can access. Midland Credit reports that the Credit Claim was opened on XX/XX/XXXX. However, the Collection Account only appeared on my credit report as of XXXX. I dispute several issues - 1. I paid the original debt to the original creditor 2. My credit report has listed the outstanding balance as {$0.00} for nearly a year 3. Midland supposedly started collecting this ( inaccurate ) debt in XXXX of XXXX, yet it only appeared on my report a week ago. I paid the original amount. However, even if I had not, the fact that the original creditor listed my balance as {$0.00} for over half a year created ( Again, not admitting this is accurate ) the impression that there was no outstanding debt and, therefore, I had no reason to address the debt. Suddenly, having a $ XXXX debt appear in a collection account out of the blue after being led to believe that all debts were paid is, at a very minimum, deceptive and unjust. However, all that said, my pain point is that this debt has been paid, and the debt being " collected '' is one that I have already addressed. I am happy to share screenshots and saved copies of my credit report showing the account listed as having a {$0.00} balance. This new collection has dropped my credit score by over XXXX points and has put me at a severe disadvantage in my pursuit of home ownership, and I hope this can be rectified promptly. Thank you.
|
| 12/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This law firm is garnishing my wages- and I wasn't even notified. When I attempted to resolve the debt, I was directed to a website, given an account number, and told that I had to pay the amount in full and then my wages garnished would be refunded and a satisfaction of judgement issued within 30 days. When I went to pay the debt online, first of all, it would not accept the file number given to me, and the directions say to include the hyphen. I tried twice in a week, and finally, tried without the hyphen and it was accepted. I tried to pay the entire debt amount that was given to me over the phone with my company debit card. This is my company that I own, and there is plenty of funds in that account. I was given an XXXX error ... .when I called and spoke with a XXXX XXXX XXXX he said that he called the XXXX department and said my address did not match what was on file with my card. This is the only address I ever use, and I've lived there for 10 years. There's no other address. Right before this call, I attempted to pay bills with this card and had no problems doing so. I was told that if I didn't pay with a debit card, it could take XXXX days to process and then I would have to wait another XXXX days for them to stop the garnishment and another 30 days to wait for my refund and satisfaction of judgement. So he proceeds to tell me that I could pay on the site using the checking account method. The instructions say that it will take XXXX days for processing, but if I needed it processed quicker to call. I also tried to pay this way, and it wasn't being accepted either. So I called back and had this same man take the information over the phone. I then learn that my balance grows by XXXX each day. So perhaps the amount was the issue in accepting payment. Regardless, this firm is making it nearly impossible to settle this debt. I have waited on hold for over an hour, and I don't have that amount allotted in my workday for that. I feel this firm is engaged in predatory practices that only make it more difficult on the debtor. It shouldn't be that hard to pay this online or contact someone over the phone who could resolve this in a matter of minutes.
|
| 03/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called Midland Credit management on XX/XX/2023 to ask for a reduced amount that would settle my bill of XXXX from XXXX XXXX Credit Card. I explained to the Rep on XX/XX/2023 that I was XXXX and on a fixed income but I could pay a one time payment to clear the debt if reachable. My family was giving me the money. I told him that I could pay like XXXX dollars but needed it to be cleared. I know that the account is a charge off but I wanted to clean up my credit some. The Rep stated that he would have to speak with his account manager and when he returned to the phone he quoted me an amount of XXXX. Although this amount was above the anticipated amount that I had to work with, I stated that I would call back. At no time did the rep tell me that the offer would be voided once I hung up the phone.
I did live chat today XX/XX/2023 so that I could have some written documentation. I explained to the Rep " XXXX XXXX '' what I needed and recapped from XX/XX/2023. At first XXXX was very adamant and said that sorry can not do anything and I am not going to honor the amount from yesterday. I again explained my situation and then he still stated that it was policy and he could not offer me but the offer that he was giving me today would last until XX/XX/2023. I replied with so the chat can be extended but my phone call can not. He was like you either want it or not. I explained once again that the offer amount was too high and that i really needed the amount from yesterday. He said well just for you I will come down. He came down like to XXXX and I said I can not afford that but now I can see you do have the authority to make offers and changes.
I told him that i felt he was belittling me and being very discriminatory as he knew I could not afford those amounts and he found it amusing to keep doing that. I ended with asking him to send me the transcript of our chat so that I could forward to cfpb to take a look at it. He replied that he had no way of doing that but he would be sure to send me a bill in 7-10 days. I found that disrespectful and again belittling. I was able to copy and paste the transcript and I saved it in a file that I will also upload.
|
| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
For yrs prior to XXXX before Midland credit management sued me in XXXX, Wi I was a consumer violated by numerous debt collection practices. They called at wrong times numerous times of day, called exes or family members about my orig debt to XXXX XXXX and XXXX XXXX When they served me court papers they didn't properly attach legal documents with their original complaint proving they bought or owned my debt or prove what the accurate amount of real debt even was. I tried to file an answer and motion to dismiss without prejudice stating my numerous reasons why. The judge didn't bother to hear my valid statements or make this company prove the debt was theirs to collect on or to prove if the amount they tried to collect was even the real amount. I was hit with two cases of judgments even though there are almost every state in the US that has shown numerous Class action suits against this shady debt collector company for all the same type of violations that happened to me. They have affected my credit score and keep changing the amount of debts owed each month on all 3 credit reporting agencies making the amount continue to increase sometimes twice in one month based on my credit karma report. I know this company has hurt thousands if not millions of other consumers for unfair often illegal debt collection practices and unfair lawsuits where they win judgments and we don't have proper judges protecting us consumers properly in court when the consumer has valid statements and requests. I believe the court in XXXX violated my rights not adhering to laws.to force this company to prove their burden of this supposed debts against me and the company Midland also violated numerous rights of mine by now damaging my credit with 2 seperate cases. I know Attorney general XXXX XXXX a few years ago won a XXXX XXXX dollar class action suit against Midland with XXXX other states for their shady practices against consumers and need some help on this. At the very least I am writing in hopes I can get these debts removed entirely off my credit agencies for good due to them not proving they even owned and bought my old accounts from XXXX XXXX or XXXX XXXXXXXX
|
| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted XXXX XXXX on or about XX/XX/XXXX via telephone call to discuss an apparent judgment they had obtained against me. They advised me my alleged balance was {$8100.00}, which was concerning to me since my original balance on my credit card debt was less than {$5000.00}. I of course questioned the balance, but the collector was quick to shut me down and confirm the balance is now {$8100.00}. I tried to work out a settlement agreement but was met with an uncooperative and unreasonable and frankly, rude collector.
I did some research and decided to write a letter in hopes that a more reasonable individual would review my request. I feel that my request is not unreasonable, which I was offering {$5000.00} payable in one lump sum. I sent a written correspondence on XX/XX/XXXX explaining my financial hardship, why I went into default on this credit card back in XXXX, and an offer of {$5000.00}. Expecting a written response within 30 days, I did not receive one.
Therefore on XX/XX/XXXX I resent another written request. This time, on XX/XX/XXXX I placed a phone call to confirm that they had received my written correspondence. The collector was rude, and was being very condescending asking why I even bothered sending a letter, making it clear that in no way they would offer better terms. I simply wanted to know if they would be responding in writing to my written inquiry. He was unwilling to answer my question, and proceeded to attempt to negotiate the debt with me right then and there on the spot. I was really surprised when this time he stated I owed {$7200.00}, and not the {$8100.00} they claimed I owed just a little over 30 days before. I asked what changed, and how could my balance drop by {$1000.00}? Again he was not able to explain why, and continued to dodge my question with is collection efforts.
At this point I was very concerned with this debt. I feel like they are unsure how to calculate my actual balance due and frankly I'm unsure whether I'm even dealing with the right entity. I'm hoping I can get help from the CFPB and that XXXX XXXX XXXX treat me with respect and dignity, I am simply trying to resolve an old debt.
|
| 03/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX card stolen at XXXX after being approached by two men in XX/XX/XXXX along with social security card, license, and other debit cards. Police report filed at XXXX. I was in the middle of a chapter XXXX bankruptcy that was discharged XX/XX/XXXX. I was paying my monthly payments and even the company knew card was stolen they still didn't close account. I moved XX/XX/XXXX from residence that was like a month or so later and my mail was still not forwarded to new address. So I wasn't aware the company was sending statements. The credit limit was XXXX dollars but Midland Funding who purchased my debt took a litigation on me and I was sick with a XXXX son and was sick myself so I couldn't attend court with XXXX XXXX so I came in as court said to submit written documentation to reschedule/and or let court aware of situation and I did but still had a judgement against me. Midland Funding has not one accurate payment associate to my account nor information and from XX/XX/XXXX-to XX/XX/XXXX this debt was sold by the credit card company without no payment histories, no accuracies. Under Legal Proceedings of XX/XX/XXXX XXXX XXXX states that Midland have filed charged off debts, and other debt buyers, from original creditors that not only reached it's statutes of limitations but also, filing these lawsuits against consumers have violated section 1032 ( a ) 1036 ( a ) 1 of the consumer protection Act of 2010. Section 805,806,807 : The fair debt Collection Practice Act. USC. 1692 ( a ) ( c ) ( d ) ( e ) ,163, fair reporting Act and also section 1053, and 1059of CFPA12 USC 267 ( a ) ( b ) the Bureaus issues the consent order. Please delete this company XXXX XXXX, Midland Funding LLC, Midland Credit Management off of XXXX, and XXXX and XXXX credit reports. They are harassing me and I am receiving SSI for my XXXX son and can't pay on a closed account with an {$740.00} balance because I disputes the {$640.00} and recently company charged {$100.00} more. This account was opened in XX/XX/XXXX,. Or XX/XX/XXXX I have emails of stolen cc and the verifiable date and this company doesn't have validation if it's not the original creditors nor accurate info.
|
| 08/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, the I received a letter dated XX/XX/XXXX from XXXX XXXX attorney, stating I have an outstanding balance due on a account from XXXX XXXX XXXX.
I later received a letter from the same attorney stating that a notice had been filed of Substitution of Counsel dated XX/XX/XXXX, and received XX/XX/XXXX. This is the first notification the had received of a court case ever being filed on myself.
Upon visiting the XXXX XXXX courthouse on XX/XX/XXXX and obtaining copies of the case, an examination of the records filed in court by the Plaintiff reveal that I was never properly served.
The service addresses used were was at the location of XXXX XXXX XXXX XXXX XXXX XXXX, Indiana ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have never resided at that addresses.
My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX I had no prior knowledge of a court case having been filed against myself.
I found out that a default judgement was entered against me on XX/XX/XXXX since I didn't show for the court date, ( again since I had received notification of the court date. ) After examining the records at the court house I filed for a motion to Vacate Judgement and the hearing was XX/XX/XXXX. The hearing has been continued until XX/XX/XXXX since there was only an affidavit filed and a generic agreement filed with nothing to identify me as the Defendant.
I contacted XXXX XXXX to verify this debt with me well over a year ago since they were listed on my credit report. To date I have never received any verification of the debt. I had only learned that XXXX XXXX XXXX was the original lender by means of the letter they sent to me dated XX/XX/XXXX.
It seems that XXXX XXXX has violated the agreement they signed on XX/XX/XXXX with the Consumer Financial Protection Bureau regarding the use off Affidavits and obtaining default or summary judgments without the required paperwork with regards to verification of the debt.
I am not sure what to do as my next court date is a couple of months away and I do not know if the judgement will be vacated.
How should I proceed with this?
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I called Midland Credit Management Inc in XXXX XXXX, phone number XXXX. A representative picked up the phone and asked for the social connected to the account, my fianc provided it and then they went into their disclosure. Once completed they only said the amount of the debt owed, no verification was ever given and so he suggested that it was inaccurate, and the lady said that was not the case and said that they would settle for half the amount, but it was a one time deal only valid on that phone call. He said that the amount was not correct, which the original amount was closer to {$100.00} and they wanted to charge {$480.00}. He asked to speak with a manager and they said that they would check to see if she was available, and came back saying she was on break and was the only manager in the office at the time, and that she couldn't call back as it was only an inbound center. Once we did a bit more digging, we called back and spoke to the manager, XXXX I believe her name was, she was rather hostile in asking what we wanted to do, whether that be accept their settlement or pay the full amount. He asked if it was verified debt and/or reviewed by an attorney for accuracy to which she said it was not. She claimed that they had sent notice of the debt months ago and continued sending letters to an address never associated with her, that being XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, which leads us to believe that the amount they are associating with her being the {$480.00} is someone else 's debt they are attempting to settle with someone else. They also said that they had not charged any late fees or interest to her account, which I found odd. The fact that she was not aware of this original transfer of debt to the collections agency due to this error, they invalidated her ability to dispute the amount within the allotted time frame of 30 days. They were very unprofessional in their behavior and attitude towards us, and did not seem to care that they messed up and said if we feel it wasn't valid that we could get an attorney involved and that we wouldn't be able to settle the debt for anything less than the full amount.
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, I am writing to dispute the validity of a debt currently being reported by Midland Credit Management on my credit report. l am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX. There is no contractual agreement between me and the collection agency, and I have not received any verification of the debt 's validity.
On XX/XX/2023, I received a communication from Midland Credit Management Inc stating that I owe a debt in the amount of {$1300.00}. However, I have not entered into any contractual agreement with Midland Credit Management, nor have I received any communication from them regarding the alleged debt before that date or the original contract as requested.
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon my request. I kindly request that you thoroughly investigate this matter and require Midland Credit Management to provide the following information : 1. Documentation of Original Agreement : I request the collection agency to provide a copy of the original contract or agreement, demonstrating that I am legally obligated to pay the alleged debt.
2. Documentation of Contract/Agreement with Midland Credit Management that I owe the collection Agency this debt. I did not sign any paperwork or contract with Midland Credit Management Inc.
As of now, I have not been presented with any evidence validating the legitimacy of the debt. Therefore, I urge the CFPB to thoroughly investigate this matter and ensure that Midland Credit Management is in compliance with all applicable laws and regulations.
I request that any negative reporting of this debt be suspended on my credit report until the investigation is complete, as the accuracy of this information is disputed.
Please acknowledge receipt of this dispute letter and inform me of the progress of the investigation. I expect your timely response within 15 days from the receipt of this letter, as stipulated by the FDCPA.
Thank you for your prompt attention to this matter. I trust that the CFPB will diligently address this dispute and ensure that my consumer rights are protected.
|
| 07/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received documents from a local processor or server from MCM Midland Credit Management , Inc. also Midland Funding. All of these names or company names are on XXXX sheet of paper of the letter. It is for a debt that is being collected for XXXX, also XXXX XXXX XXXX Bank. I called and made arrangements for this account to be taken care of by allowing them to collect {$50.00} a month until the debt was paid. They have since taken out two months worth of payments. I received another set of paperwork, that is dated XXXX XXXX, 2015, and it states that I need to sign the documents and send them back, or " Failure to sign and return these documents will delay the settlement of your case and may result in the continuation of litigation. '' I called the office of this company and/or group of lawyers, as on the documents it lists XXXX names of attorney of which only XXXX signed? I am really confused, so I had my wife call to get information as to why I need to sign this after making arrangements two months ago and they have already agreed by taking payments out for the Months of XXXX and XXXX. When my wife called, the lady who answered was very rude and kept asking her if I was being represented by an attorney and my wife said she had consulted someone. The lady at this office would not transfer my wife to the account manager unless she answered her questions as to whether I had an attorney or if I was being consulted. My wife said, just transfer me to the account manager. The lady stated our account manager was " XXXX '', but she refused to transfer my wife to discuss the matter and find out what exactly to do and why. My wife was frustrated and hung up because the lady was rude and would not even let her finish her sentences. It 's impossible to deal with people who wo n't answer questions and explain details, therefore, why am I making an effort to pay a company that deals in this manner. I have made many arrangements and have successfully paid old debts, on time since our lives have come back together financially. I do n't feel I should have to deal with a " gate keeper '' in order to pay this debt or be insulted in order to do so.
|
| 08/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS.
XX/XX/XXXX RE : MIDLAND FUNDING CLAIM FOR TWO XXXX XXXX XXXX XXXX DEBTS To Whom It May Concern : This filing explains Midland Funding, LLC purchase and collection on my two XXXX XXXX XXXX XXXXXXXX debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, Midland Funding was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act.
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this 1 ) date ; and, 2 ) amount paid to Midland Funding. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXXXXXX XXXX XXXX XXXX. See Doc A & chart below : Instrument no. Book no. Page no. by Midland Funding, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM : I paid XXXX XXXX XXXXXXXX debts XXXX XXXX XXXX XXXX XXXX ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, Midland Funding, LLC ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ).
BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ XXXX XXXX XXXX ] ( price paid in full as agreed XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5700.00} {$870.00} XX/XX/XXXXXXXX XXXX XXXX XXXX : Attached find the two ( 2 XXXX XXXX XXXX XXXX settlement letters ( dated XX/XX/XXXX ) both PIF. See Doc C & D. Also, see attached XXXX XXXX XXXX showing XXXX XXXX XXXX with XXXX XXXX XXXX account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc E ).
|
| 04/12/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.
|
| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have two collections on my credit report. The Original Creditor for both is XXXX XXXX and the two debt collectors are Midland Credit Malmanagement and XXXX XXXX XXXX. I have already filed a complaint against XXXX XXXX and the CFPB forwarded the complaint to XXXX XXXX Regulator and I have received Notification from the Regulator and that XXXX XXXXXXXX was informed of the complaint and directed to respond.
This Complaint is against Midland Credit Management. Both Midland and XXXX who are both affiliated companies, Midland Credit Management services accounts for XXXX. Both affiliates are reporting and claiming rights to that debt.
However, as i mentioned in the last complaint toward XXXX. There is no XXXX XXXX on any of my credit reports. I have two collections for the same Original Creditor that does not appear in any where on my credit History. not one of the 3 credit Bureaus.
In My Last complaint to XXXX, they responded that they own the account, they provided no proof, they didn't say who they purchased it from, simply a take my word for it type of response, they didn't even address, the possibility that there was a possible error between the two affiliates. and to my disbelief, the CFPB closed the case.
So that I don't leave room for misinterpretation, I'm going to be Blunt. I believe that the two affiliates who have a Sudden case of amnesia concerning their partnership as well as XXXX XXXX XXXX affiliation, XXXX is the company that responded to the XXXX complaint who is also affiliated, but they are conspiring to collect invalid debt by passing on debt that has been time bared and exceeded the 7 year look back period and when confronted they point a finger at each other in an effort to stall and eventually discourage consumers from challenging the debt further.
This will probably be closed as well, after I receive the ( Oh, we own this debt, we are not going to prove to you, but you can trust us response ). and that's ok, I just need Midland to respond and when I receive XXXX XXXX XXXX response, I will take XXXX, XXXX and Midland to Court and let them try giving those weak explanations to a judge.
|
| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Since XX/XX/XXXX Midland Funding has been reporting a debt that is not mine. During this time they contacted me multiple times a day. They threatened me over the phone, posed as lawyers, and told me that they where going to garnish my wages if I did not pay them the debt. During the time of the calls, I repeatly ask midland Funding to stop calling me, and to only contact me by written mail. I never received any letters from midland funding about the supposed debt that they claimed that I owed. In XXXX of XXXX Midland Funding attempted to sue me in small claims court. They never served me any notice, despite having my correct address of the time. They then proceeded to withdraw their claims to the court. The court case was dismissed on XX/XX/XXXX. During this time I was not contacted by midland funding, either through mail or by phone. I have since then been trying to contact Midland Funding. I have contacted them through all of their known address, including the address that was on the court documents. I have never been able to validate this debt, or have had a chance to disputed the debt with them. After years of trying to validate this debt, I disputed the debt with the credit Bureaus. After investigating the matter, both XXXX and XXXX determined that there was not enough information to determine the debt belonged to me in XXXX. During this time Midland Funding still never contacted me or sent any letters regarding the information that they have about this supposed debt. I have been attempting to contact midland funding while trying to dispute this debt with XXXX Credit Bureau. I have never been able to reach midland funding until 2 months ago. Midland funding provided a piece of paper with the name of the original creditor, the original account number, a charge off date, and amount due. I reviewed the information given to me, and I do not recall ever having an account by the information that they sent me. I followed up immediately with a letter asking for more information. I sent the letter out 30 days ago, and have not since heard back from Midland Funding. They have refused to validate this debt in anyway.
|
| 01/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good Evening, I had asked that I need to see all paperwork and contracts, disclosure with my signature that would verify ownership. And I specifically outlined that just automated statements don't validate the debts under the provisions of FDCPA of request to validate the account to its entirety. If they can not provide documents required, and all the paperwork, they must remove the account immediately. They keep sending me random information that doesn't fully verify the account and I came across several cases where plaintiffs won the same cases from this company Midland for failing to provide all the documents. Look at the attachment specifically to the case of State of Texas vs. Midland Funding LLC. And the same thing has happened to me. I need help resolving this and remove from my account for failing to fulfill all the requirements. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 06/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
Midland Funding ( represented by XXXX & XXXX ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011.
Fast forward to the present, I finally learned of the DJ this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe.
Midland and XXXX 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond.
In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that both Midland and XXXX were reprimanded for in their respective CFPB Consent Orders. There is no record of Midland ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address.
Midland Funding has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''.
Midland is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced?
I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if Midland chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.
|
| 08/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent midland credit management this document certified mail and midland credit management did not send the requested documents asked for in the validation request I mailed. Midland credit management sent me a document that was typed out on a plain piece of paper with Midland credit management logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Midland credit management. Anyone create anything from a plain piece of paper. The response Midland credit management sent to CFPB is bogus! I know my rights as a consumer! XXXX XXXX is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Midland credit management has violated FDCPA laws!
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/2021 I was summoned to court because of a debt that was said to be mine, I denied the debt while in court, and stated that I wanted to see if we could come to a settlement. A letter was sent to me with the stipulations of the settlement, and I have been paying the settlement every month, but I couldn't sign something that I didn't agree with. After speaking to my attorney, I was told that I can fight this. So on XX/XX/2021 I sent a letter to Midland Credit Management sighting all of the laws under the FCRA that have been violated. I have attached the letter to this complaint. But in short, this is what I am demanding : According to 15 USC 1692i ( b ) Authorization of actions - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Further 15 USC 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 USC 1681n ( a ) IN GENERAL - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
At this time, I am demanding that this case be closed, this be removed from my credit report and actual damages be paid out as a settlement to my in the amount {$2400.00}. This includes the ( 2 ) two listed violations that your company has committed and the ( 5 ) payments of {$98.00} ( totaling {$490.00} ) have been paid to your company as of XX/XX/2021.
Please send the settlement letter with the details that I have included in this letter, to the above address I have provided ; I am expecting to have this matter taken care of within the next 30 days.
|
| 12/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent a letter to Midland funding disputing a XXXX account that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in XXXX days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XX/XX/XXXX I received the attached letter from XXXX stating that they have opened an investigation requesting appropriate documents and I have heard nothing from them since.
This account has been deleted from my credit report XXXX times since then and placed back on my report, affecting my credit score each time. Based on the FCRA and FDCPA once an account has been removed, I should be notified 5 days prior to the account being placed back on my credit reports.
In addition, Midland Funding has not provided me with proof of documents bearing my signature in the requested 30 days.
I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
My belief is that they were not able to validate the debt and decided to remove the debt from my reports. They would not be able to validate the debt, because it does not belong to me.
I believe that my rights have been violated and I would like immediate action taken.
In addition to this CFPB complaint, I will be filing a small claims XXXX XXXX Midland Funding as I was recently denied credit because this account appeared back on my credit report and dropped my credit score XXXX points.
|
| 06/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, my mother contacted Midland Financing offering to pay off the balance owed so that it would be removed from my credit report. She spoke to XXXX XXXX at Midland, who helped her arrange to pay 75 % of the balance. At that point, they said they would mark the account as paid off and have it removed from my credit report. My mother paid the 75 % and was told that it would be removed shortly. I did not receive any notification of when this would be. I also never received any documentation that the amount was paid, which Midland said that I would. When I checked my credit report in XX/XX/XXXX for a loan, I found out that the account with Midland was still on the report. I went to Midland 's website, where they gave me another person 's entire credit information with them. I had to call to get my own correct information. When I spoke to them on the phone in XX/XX/XXXX and XX/XX/XXXX, they showed that we paid the 75 % lump payment but not that they had agreed to discharge the debt. At least one person admitted on the phone to me that my account was so old that it did not have proper notes. When I spoke to them in XXXX, Midland said that they would do a self-investigation and let me know the results within 90 days. I waited. In XX/XX/XXXX, when I still had not heard from them, I contacted them via phone again ( as the website still showed the incorrect person 's account ). Unsurprisingly, they investigated themselves and found they acted properly. They still could not find the proper files for my account ( except for the amount owed ), so they referred me to their lawyers XXXX XXXX XXXX, who will not return my phone calls. Now Midland is calling me demanding the 25 % remaining that they were supposed to mark off. I do not feel, if I paid a portion of that remaining balance to discharge the debt, that they would accurately update my account information, per their own admissions regarding record keeping. While I myself might have dropped the ball, so to say, regarding harassing them to keep my information up to date, I certainly am not the one who lost records of an entire account being paid off.
|
| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name.
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR.
Each fraudulent act has been reported to the XXXX as a complaint against all rogue actors as well
|
| 06/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Received a letter from Midland Credit Management introducing the company and explaining that they had taken over an account, XXXX XXXX, with the claim that my current balance was {$320.00}.
XX/XX/XXXX I replied to MCM saying that I had never owned a XXXX XXXX credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked MCM to provide detailed account information of all supposed purchases, to include dates and vendors.
XXXX MCM acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. MCM also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. MCM enclosed a letter from XXXX XXXX, Vice President of XXXX saying that my loan ending in **** with a balance of {$320.00} had been sold to MCM. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a XXXX card and had never received a statement from them.
XX/XX/XXXX I replied saying that I had never owned a XXXX XXXX credit card and that this was not my dept. I again asked MCM to provide documentation in regard to their claim.
XX/XX/XXXX I received a letter from MCM offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to MCM saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.
|
| 07/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, XXXX XXXX XXXX, am submitting this on my own behalf.
Midlands Funding does not have my permission to contact me or use my information. This is my final notification to this company after repeated privacy violations. Additionally, this company has been notified via mail that the debts they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators.
Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED.
XXXX XXXX XXXX XXXX This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies, I do not owe Midlands Funding. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different. Stop harassing me and stop the calls.
|
| 08/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2020 I received a letter via XXXX from Midland Credit Management regarding a XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX Mastercard. On Monday, XX/XX/2020 I contacted Midland Credit Management via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from Midland Credit Management I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed MIdland Credit Management that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that Midland Credit Management sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe Midland Credit Management any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form Midland Credit Management harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
|
| 06/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I 've been victimized by the illegal collection practices of Encore Capital Group - Midland Funding LLC. XXXX Consumer is who I acquired the credit card through as a XXXX who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my XXXX. With a XXXX limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and XXXX XXXX bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by Midland Funding LLC., upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit.
After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against Encore Capital Group - Midland Funding LLC. by the Consumer Financial Protection Bureau. Although this credit is present, Midland decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed.
This has been very painful and costly ; I only wanted it resolved years ago but Midland with their account shell games with moving the account from one company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.
|
| 05/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American, Servicemember |
|
Midland Funding, aka XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Funding LLC and Midland Credit Management has done Hard Inquiries on all Credit Bureaus, i.e. XXXX XXXX XXXX and XXXX every year since 2008. I was informed by XXXX that all of my information while I was in the hospital had been hacked and stolen. Identity theft.. I then started reviewing my credit reports. I found out that every year since then Midland using different a.k.a has been monitoring accounts from banks that have I've disputed with the credit bureaus regarding these charge accounts that were closed, written off as a lost, reported to the IRS for tax credit, Midland then buys these dead account, charging triple what the reported amount, charging legal fees, assuming these debts as their own, making motions of DEFAULT REQUEST, AFFIDAVIT ENTRY, AND JUDGEMENT ( SUMCERTAIN ) in State of Michigan XXXX XXXX XXXX XXXX XXXX that is not my District. MIDLAND CREDIT MGMY, XXXX XXXX XXXX, XXXX XXXX, CA ( No phone number listed ), MIDLAND FUNDING LLC is ( listed as a Loan Agency for Homes ) c/o Attorney XXXX, XXXX XXXX XXXX XXXX., LPA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX has been garnishing my Homestead Taxes Refund for two years. I spoke with XXXX because Midland put a negative report on my Credit File never stating that they stole my Senior Citizen Homestead Tax return that is meant for low income XXXX senior citizen to assist in paying their property taxes. I was placed in a homeless position because of MIDLAND XXXX. I XXXX a report about this company that preys on senior citizens, XXXX and below Federal income standard. Midland stole from me a total of {$640.00} and falsified court document case numbers.They never reported the debt was paid off or that the report was under litigations.I Disputed that this be deleted from my file. I have been denied credit because of MIDLAND XXXX They took {$110.00} of my Homestead Tax Refund this year. Please monitor these Hard Inquiries that lower my Credit Score and have no authorization to inquire. I had no business association with MIDLAND XXXX.Refund my refund
|
| 06/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) Asset Acceptance who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names XXXX XXXX XXXXXXXX. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a Asset Acceptance/XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that Asset Acceptance never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me Asset Acceptance contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay Asset Acceptance and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
|
| 10/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, XXXX and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and XXXX.
On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and XXXX. The three credit bureau continued to report this Unverified Account.
At the same time I sent several dispute letters to Midland Credit Management. Midland Credit Management responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. Midland Credit Management continued to report this Unverified Account.
Midland Credit Management, XXXX, XXXX and XXXX needs to be held accountable for their misleading, false reporting and lack of a investigation.
XXXX, XXXX and XXXX has NOT provided me with who verified these accounts?
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.
XXXX, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Both cases have been Vacated and the credit bureaus will not take the accounts off my credit report XXXX, XXXX, and XXXX. Please help me to remove them. Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney XXXX XXXX XXXX ( XXXX ) XXXX XXXX Plaintiff N/A XXXX XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Counsel Statement of Costs Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Judgment Default Signed XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX XXXX : XXXX XXXX XXXX ( XXXX ) XXXX. {$200.00} Costs XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX ( XXXX ) XXXX. {$1900.00} Principal XXXX : XXXX XXXX XXXX XX/XX/XXXX Vacated Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney MIDLAND FUNDING LLC Plaintiff N/A XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Statement of Costs Filed by Plaintiff XX/XX/XXXX Judgment Default Issued/Ordered XX/XX/XXXX Motion Vacate Filed by Plaintiff XX/XX/XXXX Order Vacate Issued/Ordered XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX Vacated XX/XX/XXXX Vacated
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ).
I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations.
At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX I asked XXXX to verify collection account reported by Midland Funding Account # XXXX. XXXX responded with account has been verified by the Midland Funding I contacted Midland and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, Midland Fundind responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that Midland Funding had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to XXXX and requested a re-investigation under 15 USC 1681 along with response from original creditor and Midland Funding ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report.
15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
|
| 10/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : Midland Funding LLC DBA In New York As Midland Funding of Delaware LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX.
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct.
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all.
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned.
I would appreciate any help in this desperate situation.
Sincerely, XXXX XXXX
|
| 07/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The complaint I am filing is against the debt collection agency Midland Credit Management. I have been corresponding with Midland Credit Management regarding the fraudulent information they are reporting on my credit reports, regarding the claim by them that I owe {$1500.00}.
I have sent correspondence to Midland Credit Management on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 asking them to Provide me the following documents ( see 1 and 2 below ) to substantiate their claim and they have failed to do so. I know they are required to follow the law and that law is the Fair Credit Reporting Act. I have never contracted with this company and I do not believe they can provide a contract with my signature on it naming them a party that I have contracted with.
In all the correspondence that I have received from Midland Credit Management they say they need more information to identify the basis of my dispute. I believe all my correspondence has been clear and concise regarding my dispute of the fraudulent information they are reporting to the credit agencies.
I believe they are attempting to intimidate and entice me to honor their presentment through fraud by omission ( failure to state a material fact - that we have no nexus nor am I obligated to contract with you ) and misrepresentation of the character and legal status of the debt in question ( which is a violation of federal law ).
1. A certified copy ( not a copy of a copy but a notarized certified copy ) of the original paper contract from the originating creditor SIGNED BY ME specifically naming your company as a person entitled to enforce a commercial claim against me.
2. Copies of any and all documents that assign or legally transfer ownership of the alleged debt in question from the originating creditor ( or a different collection agency or debt collector ) to your company.
I wish for all the accounts and/or references they have placed on my credit report ( s ) to be removed immediately. I can provide all correspondence, I have sent by U.S. Certified Mail, if necessary.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the contract is imperative.
XXXX, Me, XXXX XXXX XXXX, a living Woman, who does NOT have a contract or a " wet ink '' Signature with XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX.
Make it also known that Me, First of the family XXXX, a living soul woman, have not seen nor witnessed a " wet ink '' signature contract between XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX. nor have I ever received a True Bill in commerce in regards to the above-reference account.The XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have attempted to upon levy and / or trespass upon Me, the Living Soul Woman, without due cause. There is NO valid contract, and said XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX XXXX without my prior, written consent.
The XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, are obviously trying to do harm to Me, the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc. to steal Me, XXXX XXXX XXXX, property at Non-Commercial, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Georgia, and any and/or all possessions of Me, the Living Soul Woman, XXXX XXXX XXXXXXXX.
Where there is NO CONTRACT, there is NO CASE ( see Erie Railroad Co. v. Tompkins, 1938 ). If there is any assumed CONTRACT and/or CONTRACTS with any and/or all XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT., XXXX XXXX XXXX XXXX XXXX between Affiant, Me, XXXX XXXX of the family XXXX, a living soul and Woman, I hereby rescind, decline, revoke any my signature on any and all said contracts, and they are hereby NULL and VOID.
|
| 03/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand, it has been more than 30 days and neither parties have responded in writing and neither party has, amongst themselves, resolved the issue of handling the collection and/or negotiation of the debt. Our offices called back into The XXXX Law Firm again this morning ; no response or updates provided.
|
| 10/29/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Account opened XX/XX/XXXX Last Payment XX/XX/XXXX Last Date XXXX XXXX XXXX XXXX, XXXX, XXXX per XXXX XXXX XXXX.
Phone : XXXX On XX/XX/XXXX @ XXXX XXXX I was contacted by a young lady @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aged debit from XXXX. I advised that I had been contacted by Midland Credit Management Inc.XXXX XXXX and Midland Funding LLC regarding the same debit. The young lady advised that XXXX XXXX owns this debit and asked if I had paid them. I advised NO and she said I should not pay them as they own the debit and they are unable to report this anymore due to reporting age of debit XXXX XXXX, XXXX.
I advised the young lady that I had disputed the items with Midland 3 different times and each time I dispute the items Midland go out and update the Date Reported date with the current date.
Example : I just open a dispute on XX/XX/XXXX with XXXX.
XXXX XXXX updated date reported to reflect XX/XX/XXXX amt. XXXX as Charge off status. Acct # XXXX Midland Funding acct XXXX shows date reported XX/XX/XXXX amt. XXXX as Charge off. Acct # XXXX Midland Funding XXXX XXXX XXXX updated date to reflect XX/XX/XXXX amt XXXX as Charge off. Acct # XXXX I am not understanding how this company is able to keep updating the report date nor am I understanding how they are able to report on this if XXXX XXXX owns this file. Also for the original debit Last Date of Delinquency shows XX/XX/XXXX how every for each one of Midland shows XX/XX/XXXX.
I am trying to understand how is it that one company can report an items 3 different times by only changing account numbers and rounding up balance amount.
I have tried to work with this company and they want the money and then advise they will not move dispute. I would like to ask to have this business reviewed as this is not fair for the consumers as I understand I owed the debit but to reproduce a debit from XXXX ( 3 times ) in one month is over the top.
Thank you in advance for your time in reviewing my letter and hopefully assist me with this matter.
|
| 08/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The CFPB found that Encore ( Midland Funding LLC. ) attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Midland is to ensure accuracy when filing lawsuits. They can not file lawsuits to enforce debts unless they have specific documents and information show information the debt is accurate and enforcable. My rights under the Fair Debt Reeporting Act are being violated not only because this account does not belong to me and is being reported on my credit report, but I am now also being wrongly sued. I received a letter to contact you that was dated XX/XX/XXXX. You filed papers to sue me XX/XX/XXXX. You do n't just decide to sue someone in 2 days. It was already your intention to do so. I sent a dispute to the 3 credit bureaus informing them this account was not mine and requested Midland provide VALIDATION of this account. I have yet to receive anything. Per this court petition I am being sued for " breach of contract ''. I am demanding a copy of this contract with my signature, between myself and MIDLAND FUNDING LLC. It needs to show the original date of delinquency, the agreement that grants you the authority to collect on this alleged debt, what you paid for this account, and how you calculated the amount owed. Failure to comply will result in a private civil action torecover damages against your company. I will be contacting the FTC, BBB, and the appropriate county, state, and federal authorities, including the Attorney General 's office. My state of Texas currently has a lawsuit against you now for these exact frivolous and unfounded lawsuits against people like me. You need to be stopped.
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
During a recent review of the consumer 's credit report, we discovered inaccuracies pertaining to three collections accounts managed by Midland Credit Management. Specifically, between XX/XX/2023, and XX/XX/2023, there were unexplained increases of {$1.00} each in the balances of these accounts, as detailed below : Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$6400.00} New Balance ( as of XX/XX/2023 ) : {$6400.00} Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$450.00} New Balance ( as of XX/XX/2023 ) : {$450.00} Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$340.00} New Balance ( as of XX/XX/2023 ) : {$340.00} These discrepancies are not only concerning but also detrimental to the consumer 's creditworthiness and financial standing. It is imperative that these inaccuracies are promptly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the consumer 's credit report.
We kindly request the following actions be taken : Conduct a thorough investigation into the reported inaccuracies in the balances of the XXXX collections accounts managed by Midland Credit Management for the specified time frame.
Verify the accuracy of the information reported by Midland Credit Management and ensure that any erroneous data is rectified immediately.
Remove the incorrect information from the consumer 's credit report to prevent any adverse effects on their creditworthiness and financial standing.
Provide a written response outlining the findings of the investigation and the actions taken to resolve this matter.
We appreciate your prompt attention to this issue and your dedication to maintaining the integrity of the credit reporting system. Please do not hesitate to contact us at XXXX if you require any further details or documentation to assist in your investigation.
Thank you for your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Midland Credit Management Atten : Consumer Support Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, I have recently received that Midland was zeroing account in their office that was falsely reported to consumer report. Since 2019 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they have started they had proof I owed anything to Midland. I have requested Midland 's contract with XXXX XXXX XXXX as I know that company purchased that debt that " been written off and was attempted to collect it from me ilegifimately. I have never done business withMidland Funding, For them to park this inaccuracy and lie about investigation and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX agencies for roles in allowing you to furnish this information without my written consent and against my continued efforts to remove account. Now that it is removed, that it has removed, Midland pay me what is owed according to law. I have actual damages there are {$1000.00} violations at the time it was reported. Each month is separate violation, and I am giving the company one opportunity to cure th situation, or we shallallow a federal judge to look at all these deceptive forms that have mailed over the past year in support of your wrongdoing. It all stem from the false misrepresentation of all stems from the false misrepresentation of midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer r, I am willing to settle for XXXX and not have to pay attorney fees, or we my consumer lawyer to the situation under the FCRA you will pay him amount of Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed comments left by Midland on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this or further legal action will be initiated.
|
| 02/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My Identity was stolen & they had all my personal information & apparently took out a credit card in my name & rack up a bill. I have told midland Credit Management numerous times it was not me & even sent a FTC report as requested by one of their employee & she said it would be removed when they received it & she gave me the fax # I even had the conversation recorded because each employee will tell you something different depending on their mood that day.I learn to keep prove for my own protection because they lie very easy & simple. I even went as far a to get it notarized because I have not even set my eyes on the card in question. I also ask Midland Credit Management to provide the original documentation which is the signatures of the purchases because I know for a fact it would not match my signature. I was even told by the police department to request the signatures of purchase so they can match it up & prove my identity was stolen. Midland refused to provide the important documents to prove it was not me. They have sent a letter stating ( We have concluded that our information is accurate. Can you imagine a 3 party doing an in House review/Investigation what other answer will they come up with outside of the information is accurate when their job is to collect money for there own personal gain. How can a 3rd party investigate a matter that did not originate from them? The said that they work with the original creditor XXXX XXXX but yet they are unable to provide any of the original proof of documentation. How can a company tell me that I am not a victim of Identity theft? The main idea of someone stealing your identity is to make it look like you are the one actually doing it! They have all your personal information. I dont think Midland Credit Management understand the meaning of Identity theft & want victims to suffer just so they can make a dollar. I will not pay money for a debt I do not owe under any circumstance. I want to know exactly how they came up with the accuracy of their information? I would like the process that was taken & the documentation.
|
| 06/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it?
This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence.
Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt.
I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report.
I want to get it removed.
How do I do that?
Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served?
Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt?
Do I contact Midland Funding, the debt collector?
Or do I have to go to the original grantor of the credit and dispute everything?
Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}.
Thank you for whatever help you can provide in resolving this issue.
|
| 07/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midland Funding is incorrectly reporting a collection account on all XXXX of my credit reports as an " Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me to be denied credit when I should have otherwise been approved.
I sent a direct dispute to Midland Funding on multiple occasions specifying that they were incorrectly reporting a collection account as past due and requesting that they correct the information. They replied on stating that they were " unable to determine the nature of my dispute, and consequently deny that their records are inaccurate. '' I was very clear in my letter to Midland, I was very specific in my direct dispute, citing every error that was being reported. Midland 's response makes me believe that they did not even bother reading my letter or following up on any of my claims.
Specifically, Midland may not list this account as a factoring account, as they are not a creditor and I have never entered into any agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as Midland is not a creditor and I do not have any installment agreement with Midland.
Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently wrote to Midland Credit Management, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and would like for you to have a copy of this document as well. I would also like to initiate another dispute with you in efforts to finally remedy this situation once and for all. Midland Credit Management continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. This company has stated to all parties, including myself, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete! According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Midland Credit Management has been reporting this inaccurate information for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as detailed the U.S. Code violations, yet somehow, you still allowed Midland Credit Management to report that the information was verified, which allowed this item to remain on my credit report. At this point, I pose the question ; Is Midland Credit Management above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter has also taken a significant toll on my health and livelihood, which I have detailed in the attached document. I have also enclosed the pdf version of my letter to this company, as well as my credit reports which display the obvious inaccuracies and inconsistencies this company is reporting, which they are falsely verifying as is accurate. This has to stop! Please see the attached documents.
|
| 03/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX.
Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about.
They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX.
I called the XXXX number and Midland Credit company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed XXXX XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. Midland Credit hired XXXX XXXX XXXX to call my employer.
She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager.
She transferred me to a supervisor named XXXX ( with a XXXX XXXX ).
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These were also paid off around XX/XX/XXXX XXXX and the statute of limitations have expired. I should not have any judgements on me.
I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer.
I believe this to be harassment, and the statute of limitations for Virginia has expired.
While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer.
I am up for a promotion, and now this looks very badly on me with the multiple calls.
Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am beyond outraged that XXXX XXXX XXXX is falsely reporting on my credit and violating my rights under the Fair Credit Reporting Act. I have never had any accounts with them, yet they are falsely reporting to my credit as a debt collector, in violation of 15 U.S. Code 1681d - Disclosure of investigative consumer reports. They have not clearly and accurately disclosed to me that an investigative consumer report may be made, and that disclosure was not made in a writing mailed or delivered to me not later than three days after the date on which the report was first requested.
To make matters worse, they are displaying a supposed closed account with a balance of {$3400.00}, which is a violation as per my research, charged off accounts should display a zero balance. This is not only inaccurate but also defamatory and a violation of 15 U.S.C 1692g. This is a violation of 15 U.S. Code 1681 and I demand that the account be deleted at once. I have no contract with XXXX XXXX XXXX and have never done business with this company, nor have I given my written consent to any financial obligations.
I have sent two letters to them on XX/XX/2022 via certified mail and have yet to receive any proof of this alleged debt or any instrument bearing my signature with XXXX XXXX XXXX. I demand that they provide proof or delete the inaccurate information from my credit report immediately. I remind them that they have 30 days to complete their reinvestigation as per federal law and that time has passed.
I will seek {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. As in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXT is liable for their willful non-compliance. I will not rest until this is rectified and justice is served. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I am beyond angry and will not tolerate this violation of my rights any longer!
|
| 10/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Midland Credit Management has willfully and continuously violated my rights as a federally protected consumer, since the creation of this account on XX/XX/2022. This is a fraudulent account in which Midland used my personal information without my consent in order to extort a monetary benefit, claiming that I owe an alleged debt. It was not clearly and conspicuously disclosed to me that the alleged debt information may be communicated to 3rd parties and I was not given the opportunity, before the time that the information was initially communicated, so that I could direct such information NOT TO BE COMMUNICATED IN ANY WAY.
Without my consent, Midland has been reporting this fraudulent account since XXXX of XXXX to XXXX, XXXX, and XXXX consumer reporting agencies, causing significant damage to my consumer credit file, ( see attachment ). I have been denied credit based on the reporting of this collection account on my consumer report, ( see attachment ). On XX/XX/2022 I sent Midland a debt validation letter that was received by an individual on XX/XX/2022, ( see attachment ). Midland failed to respond to the debt validation with the information requested and continued collection efforts during the 30 day dispute period. On XX/XX/2022, only a few days after receiving my dispute, Midland updated the collection balance, status, and failed to give notice on my XXXX consumer report that this account was disputed, ( see attachments ). This is considered communication and is prohibited during the 30 day period for validation. Midland failed to cease communication as instructed in the debt validation letter and continued to update the collection status to all 3 consumer reporting agencies on XX/XX/2022, ( see attachment ), and has failed to validate the debt or show reasonable evidence that I owe Midland Credit Management any alleged debt. I have never signed a contract with this company, had any goods or services provided to me by this company, and never given them access or permission to use my social security number or any other of my personal information.
|
| 05/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management , Inc for committing identity theft. I have never given Midland Credit Management XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from Midland Credit Management , Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management , Inc continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 07/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/2018, I was informed by my father XXXX XXXX XXXX that he received yet ANOTHER call from XXXX XXXX XXXX on his phone number of XXXX and which they've asked for me. .. and was told repeatedly they have the wrong number because of the verification of the last four digits of his social are not mines, and I XXXX XXXX XXXX am the person in whom they're looking for. So I called the number on my dads phone ( XXXX ) from my phone number XXXX and spoke to XXXX XXXX, and was told that my phone number ( XXXX ) XXXX is on the file. So when I asked XXXX XXXX, then why is he calling my Fathers phone number repeatedly for the past several months ... when they have my phone number on file. he replied to me. " it was a dialer call ''. ( illegal ). I then informed XXXX, that I'm not in hiding and whatever skiptracing tool their using shows my current address and phone number to get directly to me. AND the fact that they've not called me in months ... yet are still calling my dad is a violation under the FDCPA Section 806 for Harassment .... I asked him to answer as to why they're purposely calling my dad when they have my number ... and was ignored. ... XXXX XXXX then told me he'd rather me speak to a supervisor and the call was transferred to XXXX XXXX. His professionalism was worst then XXXX, the account manager. He refused to address the situation of them harassing my father ... he continued to talk over me, and talk at me while I was talking, attempting to berate me on the phone call.
I eventually informed XXXX that I WILL be following up with a complaint cause it's clear my rights and the right to contact a third party repeatedly have been violated and clearly they have no intent on apologizing or being humble to even attempt to correct the problem ... all he wanted to do is attempt to collect a debt ... .3 All in all these collectors were Rude, and Disrespectful and Honoree even after being informed of their violations and I plan to make sure I do whatever it takes to get the word out on this companies, poor collection tactics.. and harassing measures.
|
| 06/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been working with Midland Credit Management , Inc since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from Midland Funding, LLC. I informed her that I never had a credit card through XXXX XXXX. So I contacted Midland Credit Management, Inc on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that Midland Funding, LLC sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to Midland Funding, LLC on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.
|
| 01/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency ..
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED..
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT..
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement...
Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
|
| 12/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
I was the victim of an Illegal Debt Collection Lawsuit Mill owned and operated by XXXX XXXX XXXX XXXX XXXX, a Georgia-based law firm. From what I can tell, apparently XXXX XXXX XXXX XXXX XXXX take care of all the legal proceedings for Midland Funding, a company that purchased my credit card debt from XXXX, in the amount of {$3500.00}.
Back in XXXX, I went through a financial hardship, and was having difficulties maintaining my mortgage payment and keeping up with credit card debt. I had no choice but to walk away from our home and all debt. As a consequence for my financial irresponsibility, my credit score dropped all the way down to XXXX and stayed there for over 7 years, making it very hard for my wife and I to purchase things like automobiles, a new home, or get any type of new credit.
At the XXXX, nearly 7 years later, most of that bad debt started to drop off of my credit report as a result of the Fair Credit Reporting Act ( FCRA ) rules and regulations. Through secure credit cards and other means my credit score started to improve ( XXXX ).
Then in XXXX XXXX, while logging into my credit monitoring account ( XXXX ), I noticed that my credit score had dropped significantly. It was the result of a new default judgement showing up as a public record. Here are the details of this judgement : Date Filed : XXXX/XXXX/XXXX Reference # : XXXX Court : XXXX CO Magistrate Plaintiff : Midland Funding LLC Amount : {$3400.00} I was never given notice of this lawsuit, nor was I ever served. I believe this debt had already exceeded the statute of limitations from the date of last activity ( DLA ). Yet, it is not haunting me, and preventing me from purchasing a new home many years later.
I also found this article published on your site related to the the unethical business practices used by XXXX XXXX XXXX XXXX XXXX, in attempt to make financial gains, through the use of questionable default judgements, at the expense of their victims.
http : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-stop-illegal-debt-collection-lawsuit-mill/
|
| 09/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XX/XX/XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XX/XX/XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XX/XX/XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XX/XX/XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it XXXX way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XX/XX/XXXX and NOT XX/XX/XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
|
| 03/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Around XXXX while living in XXXX XXXX, I owed XXXX around {$3500.00} when they changed the small print of debt swaps for {$0.00} interest. While I was still making payments, they sold my debt to unknown persons.
In XXXX, when I had moved in with my parent in northern XXXX I was approached while mowing the back yard lawn by a woman with a fake police badge and a court document, which I assumed was fake, about collecting a debt. I refused to sign. They sent me something in the mail as well, from Asset Acceptance, alleging that I was wanted in court, which I assumed was also fake. A week or so later, a large middle-aged man came to the door and entered the house, loudly demanding that I file for bankruptcy, which I found absurd for such a small amount. I had to push him out of the house. In retrospect I should have called the police. I remember wanting to do so. I felt that I had been subject to discrimination in that area of XXXX ( XXXX XXXX ) by employers because I am an XXXX War veteran and so I was somewhat used to negative treatment.
I never heard from Asset Acceptance again until a year into working for the United States Postal Service in XXXX, XXXX, in XXXX, when they began garnishing my paychecks for over {$9000.00}. This time they were under a different name, Midland Credit. That's because Asset Acceptance was disbarred by the XXXX XXXX XXXX due to a class action lawsuit. I immediately took them ( online, virtually ) to the same small claims court in XXXX, XXXX, which had apparently aproved the debt collection, arguing that the debt was time barred, but to no avail. The judge felt that I should have contacted them. I did in fact contact Midland Credit in that timeframe and the virtual chat person gave me the run around.
I just read the CFPB report on your actions against Midland Credit and am wondering why this company is still allowed to do business in this manner. They prey upon the poor, hoping they won't be able to defend themselves. This certainly isn't an American virtue, let alone the propper way to do business in any country.
|
| 06/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had a credit card with the original creditor, XXXX XXXX XXXX, and enjoyed their services for over 3 years. Around XX/XX/XXXX, there was almost {$1000.00} in fraudulent charges made on my card in just a few days. My balance went from around {$600.00} to {$1600.00}. At the same time, XXXX XXXX had a separate credit card opened in my name that I never knew about. It was opened, maxed out and closed without ever making a payment. When I reached out to XXXX XXXX to resolve the issues, they refused to remove the charges and the additional credit card from my account. I wanted to continue using my credit card and their services but wanted the fraudulent charges and credit card removed. After going back and forth with XXXX XXXX for several months, they closed my account and reported it on my credit. I disputed the charges in writing with all 3 major credit bureaus at the time, around XX/XX/XXXX, as well as submitting online disputes. My disputes were ignored in favor of the creditor. The debt was sold to Midland Funding who promptly began contacting me and hitting my credit almost every month with late payments. I tried repeatedly to explain what happened and let them know that I wanted it resolved. I was served with court papers around XX/XX/XXXXXX/XX/XXXX from Midland Funding. After they lost the court case for failure to appear, I contacted the attorney 's office representing Midland Funding who said my case was no longer on their desk and is solely with Midland funding. I contacted Midland to try and have the debt removed and finally resolved since it had already been to court. But they refused to remove the debt and continued to harass me for payment. They are continuing to negatively impact my credit every month and this has been going on for 3 years. I have 4 negative accounts on my credit all from one creditor, from one bank in my life. I have 2 negative accounts from XXXX XXXX and two negative accounts from Midland and XXXX XXXX all for the same account. It should be illegal for collection agencies and shady creditors to financially ruin you.
|
| 01/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My dispute is not that I owed a debt, but rather the 14 money order payments made, yet not given credit for. As of XX/XX/XXXX, co attorney in this case, XXXX XXXX contacted me to inform me that I should stop mailing my payments to XXXX XXXX XXXX, XXXX, MI XXXX, but starting with my XX/XX/XXXX payment I should send them to : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. For some reason, 14 payments have not been credited, yet after spending over {$200.00} in XXXX XXXX tracer fees, all but two were cashed by this company XXXX XXXX aka XXXX XXXX, XXXX XXXX or EVEN XXXX XXXX XXXX? I question this company 's ethics and bookkeeping practices and hope you can help me get a fair shake here. I had a payment plan in writing way back on XX/XX/XXXX, but with this mishap caused me to appear like I was in default when really not so. It did give this collection agency an excuse to empty my bank account unfairly. Back in XXXX of XX/XX/XXXXI questioned XXXX XXXX about 'why garnish my tax return when we already had a payment plan agreement in place and he agreed to drop the garnish, filing the required papers of Garnishment Release on XX/XX/XXXX. He agreed that several payments had been lost or unaccounted for, but later found more accurate records. From XX/XX/XXXX through XX/XX/XXXX some 14 money order payments were cashed by this company, yet not credited properly. Then on XX/XX/XXXX this unethical company reached in and helped themselves to {$1800.00}, unfairly, in my opinion, claiming default. A convenient coincidence or just to large to be efficient? I disputed their garnishment tactics last year on XXXX XXXX, but the Judge said 'bring proof of payments made, but not credited '. Again, I objected and will return to Court on XX/XX/XXXX with all the proof I need. We appear in front of the same Judge so this time around I hope fairness will be supported by facts. Should I subpoena XXXX XXXX? I do n't mind paying what I agreed to, but hate being cheated, as most people do. Please help if you can.
Thank you and best regards, XXXX XXXX XXXX XXXX XXXX.
XXXX, MI XXXX XXXX
|
| 03/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I received a letter from Midland credit management inc, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.
2. Name on file of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.
6. Date this alleged debt became payable.
7. Date of original charge or delinquency.
8. Was this alleged debt assigned to a debt collector or purchased?
9. Amount paid if debt was purchased.
10. Commission for alleged debt if collection efforts are successful.
In my letter I also ask for the -Agreement with their client and grants Midland Credit Management Inc. the authority to collect this alleged debt.
-Signed Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
-All statements while this account was open.
-Have any insurance claims been made by any creditor regarding this account?
-Have any judgment been obtained by any creditor regarding this account?
In my letter I also ask for the name and address of the bonding agent for Midland Credit Management Inc. in case any legal action becomes necessary.
I also stated in my letter that if Credit Midland management inc fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
On XX/XX/2021. I received a respond from Midland credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have asked Midland Funding numerous amount of times, both in writing, disputes through credit reporting agencies and verbally on the phone to provide proof of debt. They have not sent the requested documents. I have disputed the item multiple times and they continue to send back that it is verified when it is not. They have also sent comment that debt is currently in the care of a lawyer which is untrue. The debt is past the statue of limitations in the state of South Carolina. Credit debt has a span of 2 years, after which the collection agency can no longer sue and can not threaten lawsuit. This company has also broken FCRA regulations when it comes to debt collection and has been sued and found guilty of such. This company has attempted to try and collect this debt from me by threatening to have me served, at the time of the threat they did not inform me that this was a time barred debt they were attempting to collect on. When I asked for verification of debt they claimed they had mailed that to me 30 days prior. I have informed delivery on my mail and would have seen this attempt. I informed the rep on the phone that I did not receive it and will need it mailed it again. She stated that it may have been lost in the mail and that they would not send it again and will have me served. The rep then hung up on me and blocked my number. This company has numerous reviews listing their predatory ways of attempting to collect a debt. The debt they are attempting to collect from me is a XXXX XXXX credit card. I have told them multiple times that I know nothing of owing this company. I have requested that they send me proof that contains my signature where I agreed to a credit card with the ORIGINAL company. I also requested proof of activity on the card showing or adding up to the balance that is being reported. The company has not sent any of those items. This request was made in XXXX of this year and again in XXXX of this year. Both requests have been ignored. I will attach the final judgement and order that was placed on the company in 2020.
|
| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I currently have 2 accounts with MCM ( Midland Credit Management ). Both accounts should have been covered by the XXXX coverage. I have written several letters to them but I can only assume that MCM has not received them which is their typical response when they dont feel like entering information. I would have been more than happy to consider resolving this account if a certain employer hadnt fired me while I was on long term leave. I have had several accounts with this company, which most have been resolved. As a PREVIOUS debt collector, I cant say I understand, because nobody actually understands, but I can only sympathize with the other collectors while they have probably heard every story under the sun on why someone can not pay their debt. Im 100 % positive if the HR department of MCM looks back on some of their records they would realize why I am unable to pay this debt. One of these accounts has been in the system for a couple years and should have a cease on the account, which is the account I have written about not being able to pay due to lack of income ( I wonder why? Hmmm ) the second account is a new account, which while I understand this one isnt MCMs fault, this should have been resolved by the actual creditor per the agreement of the XXXX insurance which I had paid every month. I would also like to request that certain employees dont go behind my back and talk about me, because Im 100 % sure that will happen too once they see my name pop up on the complaints. Anyways, Im requesting that these accounts are removed. I wont say immediate because I know things dont move quickly around there.. but eventually, maybe 30-60 days is reasonable to me. While I understand that one of the accounts is marked as a cease, Im requesting that the accounts are marked as a do not call, for EVERY number listed on the account. You may contact me through the mail. Since Im unable to include the account numbers in this complaint here I have attached the documents so whoever handles the complaints can find me accounts in the easiest way possible.
|
| 07/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XXXX, I received after the fact, a writ for wage garnishment that had been filed in XXXX filed by XXXX XXXX offices on behalf of Midland Funding. Prior to this I had sent debt validation letters to each entity and also issuing a correct address in which to contact me. There was no positive response to either. The writ arrived with an incorrect, uncurrent address and I was never properly notified of who the originator of the debt was, the nature of the debt which is in excess of XXXX. Neither could I find the writ in any public records. Neither could I find a lawyer willing to represent the matter and it was not on my credit report going back as I can remember which is XXXX or thereabouts, to the present. Again, I never received proper notification I was being sued by a junk debt collector nor did I ever receive any documentation about the nature of the debt purchase, how much was the debt was purchased for, or any specific information concerning the original debt. After all this time I suspect if there is anything legitimate about this claimed debt it is well beyond expiry. In spite of this I didn't have any wages garnished until recently, starting in XXXX of XXXX. I had to request a copy of the writ from my payroll department. Same amount claimed, in excess of XXXX plus interest, wrong address but updated to reflect a XXXX date. The summary of garnishment and the proof of service is blank and the writ so illegible as to be nearly unreadable so I can not scan a copy and upload it to you. As of this time, I have not found a lawyer, even those claiming to specialize in such matters, to represent me although I have contacted dozens over the years. I am now forced to file bankruptcy for lack of proper legal representation but I have no creditor to present to the court because I can not get any information concerning this debt from XXXX Law or Midland Funding who will not send any information on the debt that Midland purchased, but instead sends notifications of writs, after the fact to any old address which is in violation of my privacy.
|
| 10/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This letter will again ask that you Validate this debt and follow the FDCPA and provide the following : I do mean ALL, validations of alleged debt.
( Validation of Debt ) - Proof of your right to own/collect this alleged debt.
- Balance claimed including all fees, interest and penalties.
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ).
- License proof to collect debts in MY state.
- License proof to collect debts in YOUR state.
- A credit agreement signed by me and original creditor.
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor.
- Copy of my NYS Photo ID which is required to open this type of account.
- Copy of my Social Security # which is required to open this type of account.
- Proof from whatever shipping service that was used to provide alleged merchandise or items bearing my signature saying delivered to my address.
As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company.
Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED from my credit report IMMEDIATELY.
The only communication you may have with me is to provide proof of all items requested above and that all accounts and negative remarks and comments has been removed from my credit report.
|
| 04/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have received harassing phone calls from collectors 2-3x a WEEK regarding this debt.I have about 32 different phone XXXX phone numbers blocked within my phone.Last XXXX I received a very harassing and abusive phone call from a male collector regarding this account and I did give my time to him as well as explain I had XXXX XXXX and from XXXX to present underwent XXXX and had many complications with XXXX XXXX as well.Since I was XXXX XXXX, I could not receive any benefits from state or federal help.I applied for XXXX twice and was denied.Given the lengthy process, I gave up. I am also a single mother who does not receive child support.
I was not looking for a hand out or free ride I was just trying to explain my situation.
He said my health conditions and employment status held no prospect of relief from this debt and I need to pay it regardless.He threatened to contact my bank and said he would be sending it to an attorney if I did not pay it within 2 weeks from that date.
He was rude and threatening.He started asking me to give him my bank information and he could take a payment now to avoid further calls/ interest.
I was not home, I did not have my banks routing number or even my checkbook.
I remember exactly where I was during that call, at the beach with my son.
So when I offered to call within 24 hours to try and come up with a solution he said well good luck with that, this was your final warning and it will be sent to a collection attorney, get a lawyer.
I was beside myself and consulted with a family member and they told me not to call and wait it out.
I did.From that time in XXXX of XXXX and present, I have received multiple calls weekly, and up until XXXX, daily.
I am now receiving letters from an attorney.The first was in XXXX, dated XX/XX/XXXX and most recently yesterday dated,XX/XX/XXXX.Please advise as I want to improve my credit score and pay the debt if necessary.I live in RI.
I am able to pay some of my debt due to my stimulus check and to stop all these harassing letters/calls.
Thank you for your time.
|
| 11/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Midland Credit Management composed a letter XX/XX/2022 stating that they had acquired an account from a company that I owed. Midland violated my rights according to the Fair Debt Collection Practice Act because they did not include in that letter, nor did they send a letter within 5 days that stated : Section 15 USC 1692g ( a ) ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor I have enclosed proof of that letter.
I, in turn, sent them a letter stating that they violated my rights and what section that they violated. They sent me another letter and that letter also did not have those REGULATIONS.
This company is not abiding by the law and they continue to contact me, despite breaking the law.
Date of first letter Midland Credit Management sent : XX/XX/2022.
Date of letter that I sent to them : XX/XX/2022 Certified receipt from post office shows me mailing the letter on XX/XX/2022.
The signed for the letter on XXXX.
Date of second letter from Midland : XX/XX/2022
|
| 01/13/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Minnesota Court File No. XXXX Midland Funding LLC as successor in interest to XXXX vs XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Case Type : Default Judgment Location : XXXX Debtor ( s ) XXXX, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor ( s ) Midland Funding LLC as successor in interest to XXXX Entered Date : XX/XX/XXXX Docketed : XX/XX/XXXX XXXX Orig. Amount : {$1300.00} Curr. Principal : {$1300.00} Judicial Officer : XXXX, XXXX XXXX.
Type : Judgment Status : Active I have never been contacted by Midland Funding or the original creditor XXXX before, until I just received a garnishment summons that threatens to garnish my savings account.
After receiving this summons, I discovered a judgement was entered for this debt XX/XX/XXXX in XXXX County, Minnesota. I never received notice that a judgement was pending in my name, nor any debt collection letters or phone calls regarding this prior to the judgement, or after, until this garnishment letter now, or I would have disputed it. It is not my debt.
I contacted XXXX XXXX XXXX XXXX, the attorneys for Midland Funding, and was told this was a credit card debt with the original creditor being XXXX, with a principal balance of {$1300.00}, and issued under my maiden name XXXX. They are now seeking an unpaid balance of {$1900.00}.
I have never applied for, obtained or received a credit card from XXXX. In fact, I have never even had a credit card with a limit higher than {$300.00} in my name ever. The only credit cards I have ever owned are from XXXX XXXX and XXXX. I also have not lived in the county of issuance ( XXXX County ) since XX/XX/XXXX, nor have I used my maiden name ( XXXX ) since I was married in XX/XX/XXXX XXXX my last name is XXXX ).
Neither Midland Funding or XXXX XXXX XXXX XXXX will supply me with any further details relating to this debt for a possible identity theft investigation. In fact, they will not even supply proof that the debt belongs to me. They may have mistook my identity for another person who actually owns this debt.
|
| 02/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX/XXXX/XXXX XXXX the account was transfer/Sold to XXXX. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call XXXX and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about Midland Funding LLC garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On XXXX Credit report the XXXX the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XXXX, the last payment was XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. XXXX was not able to produce any information so the credit companies took it off my file. Midland Funding buys the debt from XXXX XXXX. Midland Funding files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and Midland Funding LLC is the subsidiaries of Encore Capital Group , Inc. who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work Midland Funding LLC paper work that was given to me is not correct because the target account number is blot out with a black marker and the Midland Credit Management Number is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I the consumer, never received proper validation of debt which should include XXXX required items according to congress although my consumer report does reflect that they showed an active dispute. This further confirms that their practices are deceptive and illegal.
Pursuant to XXXX Purposes of Consumer reports 15USC 1681b I never gave this third party debt buyer as described as account type. So they are calling themselves a debt buyer which insinuates that I the consumer owe an alleged debt which is also a violation Furthermore, I never gave written communication giving this debt buyer the right to furnish this information on my consumer report which per 15US 1681b states that they must have either written consent or subpoena by federal law to place information on my consumer report which none have been provided.
Please provide details to substantiate contract or right to be debt buyer on behalf of the original debtor as shown on my consumer report as XXXX BANK. Furthermore, the contract between myself the consumer and Midland Funding to illegally humiliate me by furnishing this incorrect information without my consent.
Furthermore, my consumer report currently reflects that Midland Funding completed investigation of FCRA dispute. 15 USC 1681a of the FCRA defines an " investigative consumer report " by performing a personal interview with neighbors, friends, or associates of the consumer.
As you show on my consumer report you performed an investigative report. Please provide proof of whom you spoke with to confirm that information listed in my consumer report is true and accurate.
While I know that this type of interview was not performed to substantiate your alleged investigation I am forced to move forward with pursing violations as outlined in the items above.
You will also remove this information from all my consumer reports immediately or I will be forced to persecute your company for not only violating my consumer reports per federal law, but also deformation of character based on your false reporting.
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier.
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Please Know That I am ONLY requesting this Validation on the following accounts Opened XX/XX/XXXX ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Please note that i see you are attempting to sue me in court on XX/XX/XXXX and i will be there to dispute it and show the just this issued complaint as my proof that i have requested debt validation and you have at this time failed to comply -
|
| 04/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Dear CFPB, There are two Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information.
They are XXXX XXXX with an open date of XX/XX/XXXX and XXXX XXXX with a open date of XX/XX/XXXX. XXXX and XXXX have similar Collections reported.
Last year, I contacted the three Credit Reporting Agencies about these collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation. I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported.
I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these erroneous collection reports removed from my three credit reports?
Sincerely, XXXX XXXX
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Midland Funding putt my account in collection status as of XX/XX/XXXX. I did not open an account with Midland funding and nor do they have my consent to report anything on my credit or any public record.
I had an account with XXXX, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by Midland stating you can start paying and paying XXXX account, without explaining that XXXX has already reported this account as charged off in XXXX and no matter what i do Midland can not remove that derogatory remark from my credit.
When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with XXXX, I explained the whole situation again to then and asked them for my original contract with XXXX to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with Midland and the XXXX account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections.
How can one account be reported negatively twice on the credit report. I do not acknowledge Midland as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
|
| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2021 at XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT was in receipt of my written notice to cease and desist. Pursuant to 15 USC 1692c ( c ) If such notice from the consumer is made by mail, notification shall be complete upon receipt. On XX/XX/2021 the company responded to my CFPB complaint regarding the matter and stated, Per your request, the above-referenced account has been marked Cease and Desist.. IT IS A VIOLATION OF FEDERAL LAW TO NOT HONOR MY CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT continues to report this account to my consumer report unlawfully. Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. To make this law clearer, I will re-state what was written in my initial feedback to the companys response that the above-referenced account has been marked Cease and Desist.. Pursuant to the FDCPA, Title 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Pursuant to Title 15 USC 1602 ( e ) The term person means a natural person or an organization. Pursuant to Title 15 USC 1602 ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. XXXX dictionary defines the word any as unmeasured or unlimited in amount, number, or extent. In summation, the reporting ( conveying of information of information regarding a debt ) of this alleged debt to the consumer reporting agencies ( a corporation ; organization ; person ) and my consumer report ( a medium ) is a violation of the Cease and Desist and a violation of federal law. I will attach a copy of the original Cease and Desist along with the USPS return receipt confirming the receipt of the Cease and Desist.
|
| 11/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
As of XXXX/XXXX/XXXX I have been paying XXXX XXXX XXXX XXXX on an old debt. MY last payment was on XXXX/XXXX/XXXX. When I called XXXX concerned about my balance on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX because I owed no more payments.I have been paying on this for 5 years. They refused to see my pay records and did n't want to speak to me and said they sent to the account back to XXXX XXXX. So i called XXXX and they said they have not received any information from central credit services. In the mean time I come in contact with Midland credit Management. This is who central credit service supposedly sent my account to not XXXX ... .another debt collector. I was informed by Midland that they have had my account since XX/XX/XXXX. I have never heard of this business. Furthermore I have never received not one stitch of paperwork from Midland credit management saying that they had my debt or that I owed any money to them ever. I have my pay record from the very beginning of XXXX/XXXX/XXXX when i started paying central credit services and for the rest of the 5 years that i have been paying central credit services. I have NEVER paid any payments to a midland and have never had any correspndence from them. I have only had correspondence from XXXX, XXXX. and my pay record will reflect that and all the payments that went to them with the trace #. i think its very strange that when i called about concern for my account they handed my account to this other company and somehow I have a balance again. I have also been in contact with XXXX from XXXX XXXX and have all that correspondence too. I filed a FTC complaint against XXXX, XXXX and now i want to file a complaint with Midland as I have never heard from this company and there records are incorrect. I will attach XXXX bank statement from every year showing I have always paid XXXX, XXXX and have had no dealings with Midland and my account should be XXXX. If you should need anymore statements please contact me as I have every single one of them on hand and ready to send.
|
| 03/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Midland Credit Management for committing identity theft. I have never given Midland Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from Midland Credit Management before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 09/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
|
| 04/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I would like to complain about the debt collection from the agency Midland Credit Management. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XX/XX/XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, XXXX XXXX & XXXX XXXX contacted me in XX/XX/XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments onXX/XX/XXXX for about {$9800.00}. I have called and spoken to people from Midland Credit and XXXX XXXX. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XX/XX/XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX in XX/XX/XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.
|
| 04/10/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.
I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon.
After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement.
The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name.
After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent.
Thank you for your time
|
| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the victim of XXXX credit card fraud activities and {$7400.00} charges. I have been trying to resolve this issue on my own for more than one year and a half, charges was been taken off and then put back on my credit report. Not only this, I am constantly and continuously harassed and threatened by collections companies. I have communicated with the XXXX credit card company and reported the fraudulent account and the charges over the phone many times. Here is the rundown of my communication with XXXX.
On XXXX XXXX, I spoke to XXXX XXXX fraudulent department about the account activity. I was on phone for more than an hour. They assured me that it will be resolved within 3-4 weeks. On XXXX XXXX, I called them again to find out the status of my fraud report. Instead of resolving the issues and fraudulent acts, they were asking me for the payment. After staying on phone for more than a couple of hours, I was able to speak to an account specialist who assured me it will be resolved within 72 hours. On XXXX XXXX, I called them. From the fraudulent department of XXXX, they assured me that the matter will be resolved soon and I did not have anything to do with this account. On XXXX XXXX, I called again and they told me that this account is closed and will be reported to the credit bureaus. On XXXX XXXX, I called them and they told me that the account is closed and reported to the credit bureaus. On XXXX XXXX I went out of the USA . On XXXX XXXX, I received an email from XXXX XXXX that, instead of resolving that fraudulent account, XXXX has reported as missed or late payment to the credit bureaus. Then I communicated with XXXX over the phone, got a case number, and sent mail to all of the credit bureaus with documents proving that I have nothing to do with the card and charges because the charges took place while I was not in the state and country where the charges took place. I am desperately in need of your help as a responsible consumer to finish this frustrating financial fraudulent issue once and for all.
|
| 07/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Atlantic Credit and Finance , Inc in XX/XX/XXXX about an old XXXX account. I called the number on the letter to inquire about the details and discuss the matter. The first person I spoke to was unable to find any information and told me he could not find any record of this account. He gave me a different number to call. That person was also unable to find any records or information related to the account. He gave me a different number to someone else who could not find any information, even when I provided information such as my name and social security number. No one would talk to me. I did not know what to do. I then received a different letter on XX/XX/XXXX from Midland Credit Management about the old XXXX account. This letter was dated XX/XX/XXXX, although I received it almost a month later, which is quite suspicious and deceptive, because the letter demanded payment by XX/XX/XXXX. The fact that they backdated the letter eliminated the time I am allotted to make a written request for validation and further information about the debt. The actual XXXX account, as given on the letter, has a Charge-Off Date of XX/XX/XXXX, exactly 7 years ago. I am aware that this is past the 4 year Statute of Limitations in my state. On XX/XX/XXXX, I received a bizarre text at XXXX XXXX from a stranger, with a random name, from XXXX XXXX trying to ask me about work I did many years ago and asking about credit card payments. When I researched the number online, I found that it was reported as Midland Credit Management. This is manipulative and predatory behavior. They would not talk and communicate with me when I genuinely tried, they have misdated a letter, and now they are pretending to be someone else and texting. I do not trust talking to them on the phone, but I do not know what to do. I have no savings or assets. I only have enough for my rent. If they continue this behavior, the only solution I can think of is bankruptcy. There should be more legal protection from these deceptive practices.
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management INC Cease to provide me all the information i'm seeking. They keep sending me the same paperwork that I have no recollection of. Nothing baring my original signature, a contract showing that I entered into a contract with you, Payoff disclosure, Interest rate disclosure, and credit Insurance. You keep sending me 129 pages of nothing what I'm asking for...
By me going through this alleged debt dated back XXXX.
You have already broke the law when you re-aged this alleged debt on my consumer report, stating XXXX and XXXX. Totally against the FCRA / FDCPA.
Also I'm full aware what a charge-off means. Which means a charge-off is a cancel debt. Which I should have received a 1099c. That I never received, and If you owned this alleged debt. send me my 1099c.
Also The company that sold you this alleged debt. Has gotten paid from this debt 3 times This company knows that there is an insurance built in finance charge that protects the lender against the obligors default or other credit loss. So In reality they have gotten paid from an Insurance claim, a tax deduction, and from you guys. So if you purchase this alleged debt. Send me my 1099c because you put this charge-off on my consumer report.
And Like I stated the last time. An Attorney is not a debt collector, and a debt collector is not an Attorney.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : AttorneY, General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints!!! ENOUGH IS ENOUGH!!!
|
| 10/14/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.
In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt.
The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.
|
| 06/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I've called XXXX 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.
My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to XXXX on :XX/XX/XXXX - " XXXX XXXX reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agenciesXX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.
I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.
" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.
This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked XXXX to stop the dispute. Also, XXXX should fix my points - add them back to my score.
Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.
Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only XXXX barely show an improvement in the scores while the other 2 major agencies shows great improvement.
Thank you, XXXX XXXX
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened a line of credit with XXXX XXXX in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the XXXX XXXX for the city and the entire city was shut down leaving me with no work. I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. I now have the interest fee on my credit as a negative balance of XXXX from midland credit management. I am not sure if they sold the account to someone or what happened as I have not heard anything from them.
Were responding to correspondence about your XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( account ending in XXXX ).
Dear XXXX, Were XXXX XXXX XXXX and we originally issued your XXXX The XXXX XXXXXXXX XXXX XXXX.
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found.
Were sorry to hear of the impact COVID-19 had on you and your family. We hope your situation has improved.
Were no longer the creditor on your account. Your account charged off due to nonpayment on XX/XX/XXXX. We sold your account to Midland Credit Management , Inc. on XX/XX/XXXX. Therefore, our reporting of your account as a Charge-off that was sold to another entity is accurate. Were reporting the account with a zero balance owed to us as of XX/XX/XXXX. Midland Credit Management , Inc. may report your account under its name as the new creditor.
For any additional questions about your account, please contact Midland Credit Management , Inc. at XXXX.
|
| 09/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My consumer credit report has a collection trade-line from Midland Funding in the amount of {$740.00} and the original creditor is entered as XXXX XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.
|
| 05/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Dear Consumer Financial Protection Bureau, Your initial questions on the questionnaire, doesn't apply in my case. Let me start by saying that my case was in XXXX, XXXX XXXX, New York court system. I was served a judgment against my part-time job from - XXXX XXXX XXXX, DBA in New York for the balance of {$8200.00} plus interest and I am XXXX years old. The marshal in this case is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Badge No. XXXX.
My story started with " Beneficial ' company in XX/XX/XXXX - I took out a small loan and paid them back immediately, then took out another loan, paid monies on that loan and then I lost my job, moved out of XXXX XXXX, XXXX XXXX where I took out the loans - moved to my daughter 's home in XXXX, XXXX XXXX and forward a change of addresses to everyone at the time. Since that period of time, XXXX closed their doors for business and apparently transfer their loans/debts over to 1 or maybe most broker houses ( not sure ).
Years after this - a company started calling me - saying, that I owed them money - which I didn't know at the time that they were debt brokers and was calling about an old debt from XXXX - they were given me a new company/ name information that I did not know, I thought that they were a fake company of some kind ) and harassed me by phone at home and my on job - at that time I was working for XXXX XXXX XXXX XXXX as a XXXX in a classroom - they were harassing so badly. After that they started sending " what look like fake court papers '' no signatures here and there, it just look like another form of harassment. So I annoyed these letters and then they contacted my land lady at the time and told her the story - this was in XX/XX/XXXX I believe.
I would love to send all of the court information that I have about this case, to see if you can help me with the judgment still against my part-time paycheck.. Can you help me.
Sincerely, XXXX XXXX XXXX XXXX XXXX I work for XXXX XXXX XXXX XXXX, my position - XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Thanks so much XXXX
|
| 09/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.
|
| 01/16/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property.
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received notification from family members/relatives that a company called and left a robo message stating I had to go to court. My relatives stated that a man stated he was an attorney and he was trying to serve me a summons. One of my relatives are disabled and contacted them as well but this relative just got their phone number. The impersonated attorney stated they got the number from a previous employer from XXXX XXXX. I contacted the Library because it was stated they served the library with my summons. The staff at the library stated they would never give out informatio to anyone, and no one went there with any papers. My relative started asking more questions and the law firm stated if I did not reach out to them they were going to send the summons to another employer listed as the government in Washington DC. and the file number is XXXX. The lawyer stated a civil complaint is against my license and was used to get something. I XXXX this firm, but its not a lawfirm it looks like a debt collector by the name of XXXX and XXXX and their number is XXXX. They stayed the lawyers name is XXXX. I contacted all the courts in New York and they stated do not give any information to them to make a complaint. The courts stated a summons would be with the court and the file number they gave is not in the system. The court stated to ne thar anything against my licesnse would be through Department XXXX XXXX XXXX and they would be able to recieve my current information if it was licences number..This company also has my license number. The debt collector is impersonating to be attorneys and contacting my relatives and harrasing my family and my former employers. I XXXX this company and others are stating it use to be Midland Credit, and this same XXXX and associates were doing the same thing harrasing consumers on a debt they didnt owe. This is tax season so I. assuming these illegal debt practices are illegal. I want this debt collector to stop harrasing my family and stop contacting my former employers.
|
| 05/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to each credit reporting agency requesting a full and complete credit verification. Several things happened, XXXX completely stopped reporting my credit and my credit file with them has not been updated since XXXX. Also, Midland has 3 collections reporting that have not be verified and are also a violation of my consumer credit protection under 18 USC 894 which reads ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
( b ) In any prosecution under Midlands reporting is also against the CFPB suit against them as listed here The Bureaus complaint, filed in federal district court in the XXXX XXXX XXXX California, specifically alleges that since XX/XX/XXXX, Encore and its subsidiaries violated the consent order by suing consumers without possessing required documentation, using law firms and an internal legal department to engage in collection efforts without providing required disclosures, and failing to provide consumers with required loan documentation after consumers requested it. The Bureau also alleges that the companies violated the consent order, the CFPA, and the FDCPA by suing consumers to collect debts even though the statutes of limitations had run on those debts and violated the consent order by attempting to collect on debts for which the statutes of limitations had run without providing required disclosures.
On or about XX/XX/XXXX, these three Midland collections were listed as closed and removed from XXXX and XXXX. On or about XX/XX/XXXX, they all reappeared. This is a violation of 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have NEVER given Midland authorization to report anything on my credit file.
|
| 10/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Midland Funding filed a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Alabama. I was never duly served with the complaint and a default judgement was entered against me on XX/XX/XXXX.
I did not learn of the lawsuit or default judgement until my employer was served with a garnishment order on XX/XX/XXXX. I filed a motion with the court to set aside the default judgement to allow me to answer the complaint. XXXX XXXX set aside the default judgement on XX/XX/XXXX.
The attorney for Midland did not have any evidence at the hearing to argue the case, so the judge set a hearing for XX/XX/XXXX. On XX/XX/XXXX, the judge set a trial for XX/XX/XXXX.
On the date of the trial XXXX XX/XX/XXXX XXXX, the plaintiff ( Midland ) did not present any evidence to the court showing that I owed the debt or that they were the owners of the debt. The evidence entered was unsatisfactory to the court, as it had absolutely nothing to do with me. The attorney requested a continuance on the case to allow him time to gather evidence. The judge, reluctantly granted the motion, but stated that he would not allow any more continuances on this case and expressed his displeasure with the attorney for coming to court with no substantial evidence and stated that with his granting of this motion that the plaintiff better come back with evidence.
After the trail on XX/XX/XXXX, the defendant filed a motion with the court to dismiss the case ( Apparently they had no sufficient evidence ).
On XX/XX/XXXX, the judge entered an order ; dismissing the case in my favor.
I have since then filed disputes with XXXX, XXXX and XXXX to have all traces of Midland removed from my credit. XXXX is the only credit reporting agency that has adhered to the judge 's order and removed this information.
Midland should have themselves removed this information, yet they have made me jump through even more hoops to remove something from my credit that I do not owe them. This just substantiates the further harassment by Midland and their cronies.
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
Hello. I have an outstanding credit card debt and Midland Credit Management has it.
Yesterday I called this company in attempts to get some information on how to repay this debt, what is the interest rate, etc.
The person who answered the call is a middle eastern man with a very thick accent who spoke very quickly making it difficult for me to understand what he was saying. I could however understand him somewhat. After I identified myself, this man went into a very long and boring spiel which was completely unnecessary. He didn't give me a chance to ask my questions and instead, began another long spiel regarding how to get a discount on what I owe. He rambled on and on to the point where I almost ended the call.
This man then asked me to make a payment to 'ensure ' the discount. I made an attempt to explain to him that I rely on Social Security and it is the end of the month so my funds are very low at this time. The guy then turned me over to his manager.
This manager is also middle eastern and spoke very quickly. She tried very hard to pressure me into making a payment, I told her the same thing I had told the first person. She was absolutely relentless and used a very demanding and accusatory voice.
I tried to remain calm and told her over and over that I absolutely could not make a payment. She then began badgering me asking me if I could make a {$80.00} payment then a {$60.00} payment until she stopped at {$45.00}. Again and again I told her I could not. This woman got angrier and angrier and demanded to know how much of a payment I COULD make!
Again I said I couldn't make ANY payment. She then threatened to take the money from my banking account even though she doesn't have my banking information and then lied saying she didn't say it. She stressed me out so much I told her to " have a good day '' and I hung up.
I want to clear this debt but I can't unless I have more information which I did not receive. I refuse to deal with nasty demanding and pushy people.
What can be done???
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Older American |
|
XXXX, Midland Credit and who lives near me inquirying my workplace. Workplace hiding reason for hiring. XXXX XXXX XXXX. Via Nurses indirectly by spouse or family ties.
Setting up and abusing for their own pleasures. Nurses using Substances of catalogs and Midland credit gesturing towards selfish me when it is selfish them! I decided to check out XXXX reason for getting the catalog mailed to my place there are others too! Bought only {$200.00} of which went down to {$100.00}. XXXX when Covid-19 hit. Attempts to pay went to the side in efforts to obtain reemploment. Going through XXXX nurses blocked me since I choose my life ways and was not the XXXX nurses who stalk and scheme via merchandise and proceed to attack via peering into my spending with a tracking device on my body. Midland gestured and taunted with me taking a screen shot of an obvious taunt when my charges went down to {$140.00} and computer getting stuck doible payment did not show. These telephone aides were not explaining anything as showing payment and Road the lies at me. One went as far as tell me to get the facts with no comments saying payments applied.
I took the screen shot that disappeared out of my phone as it is proof stalking and novas Ive ways proceeded using my date of birth and name to get into my phone computer in google lines. Thus my gmail froze up besides changing all banking more then once since Midland credit lobed onto my payments. Midland is dirty dealing and gestures gaming to be abusive and rude, including using my employer to obtain for themselves the goal of XXXX acts. To ask me to remember my conversation is also to remind them what they did not do. Spit out who they represent instead of upfront paying A BILL. XXXX acts are not allowed if Unions and predator practices are used.
I therefore claim Midland and bill collectors tactically destroying this country for themselves. Taunting, scheming, stalking and breaking into peoples lives to be XXXX themselves with the misering minds they stand up for. did
|
| 09/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My consumer credit report has a collection trade-line from Midland Funding in the amount of {$1000.00} and the original creditor listed as XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.
|
| 11/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a complaint in regards to Midland Fundings failure to properly validate an alleged debt of {$380.00}. Previously I sent certified mail letter seeking answers about this alleged debt and they claim to have validated dated XX/XX/XXXXas dated on the response. In response, Midland violated my rights as a federally protected consumer. They are in violation of 15 USC 1692 B ( 5 ) which states that they shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of 15 USC 1692 B ( 2 ) which states that any debt collector not state that such consumer owes any debt.
Again through responding to a previous complaint, they have again failed to prove that this alleged debt is mine. Midland has again violated my rights as a federally protected consumer. They stated that this alleged debt that they confirmed by the seller on XXXX XXXX with the last four ssn of XXXX is indeed valid. How? Who did you interview? What person did you speak with? Pursuant to 15 USC 1681 A ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I have never consented to any contract with Midland nor did I give them permission to breach my privacy. Midland has violated a number of my rights in which each violation can result in {$1000.00} per. I am a natural consumer. This alleged debt must be deleted due to no adequate proof and the violation of my rights.
|
| 11/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX.
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX.
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever.
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Midland Funding said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from Midland Funding or from the court system.
My employer received a letter from XXXX XXXX XXXX in reference to Midland Funding with information to garnish my wages. I did not receive any information from Midland Funding or from XXXX XXXX XXXX about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information XXXX XXXX XXXX sent my employer on XX/XX/XXXX.
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible.
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of XXXX children. Both children are beginning college in the fall. If Midland Funding/XXXX XXXX XXXX garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. Midland Funding and XXXX XXXX XXXX have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.
|
| 08/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
An account with XXXX was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus 2 times, once as XXXX, once as their in-house collection division called Asset Acceptance. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Older American |
|
My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with 3 credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and XXXX XXXX XXXX to not follow through with the line of credit. XXXX and XXXX complied and XXXX XXXX XXXX sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind.
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to Midland Credit Management Inc who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXX XXXX.
I live full time in XXXX XXXX and pay taxes in XXXX XXXX. and XXXX State. I stay part time with no current lease in XXXX XXXX XXXX were I have a small non profit and am here sporadically and do have a XXXX drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX.
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud.
XXXX and Midland put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX by XXXX.
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX herein known as " Consumer '' MIDLAND CREDIT MANAGEMENT herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels.
STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned.
A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXX v. United States XXXX XXXX. XXXX, 208 U.S. 404, 411 ( 1908 ) ; XXXX v. XXXX XXXX. & XXXX XXXX, XXXX Cal . App. 3d 1092, 1098, 223 Cal. XXXX. 298, 301 XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX41, 344, 318 A.2d 659, XXXX XXXX XXXX ).
|
| 07/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I found Midland Credit Management reporting on my credit report and disputed it as unrecognized. The Credit Agencies reported back on the dispute as correct per Midland. They told me to call Midland directly at the number listed on credit report ( see attached item # 1 ). Midland told me they can not speak to me, as they no longer have the file. They had me log in their website and showed me the phone number for XXXX XXXX and said to call them, they have no information on the debt anymore and are not permitted to speak with me about it. I haver called XXXX XXXX several times over the course of four weeks and only am placed on hold after pressing prompts. I wait 20 minutes or more and no one ever answers the phone. I call XXXX XXXX the original Creditor, and told them the above. XXXX XXXX states that their records show they charged it off and sold it to Midland Credit Management., to call them again. I called Midland again and asked for a supervisor and explained why. She apologized but said she can not tell me anything, but she would send an email to XXXX XXXX asking them to call my cell number ( which I provided.to her ). I can not understand how they can claim they own the debt on my credit report and verify its info with the credit reporting agencies, but tell me they have no information on file anymore and they have no jurisdiction to speak with me about it anymore. How can they then verify they own it and corroborate its accuracy on my credit report when it was recently disputed? I am trying to get validation of this debt, but the supposed " owners '' of the debt refuse to tal to me and refer me to another party who will not answer there phones. I can show phone records of my attempted multiple calls and wait times. This should not be legal and it appears they can not validate the debt since they can not speak about it,. Secondly, this XXXX XXXX has never sent me any communications as required nor has either party allowed me to validate the debt, including the supposed owners of it!
|
| 03/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My credit report shows an account for {$780.00} in collections for over a year and a half with Midland Credit Management. I spoke with the legal department of MCM on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to XXXX and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called MCM legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to XXXX and told they are the ones reporting in error to XXXX. The XXXX rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated XXXX transferred me to her stating it was legals problem. She put me on hold and transferred me back to XXXX. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) 6063 stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call MCM they transfer me to and from the legal department to XXXX.
|
| 06/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX upon doing an online security check, I found a case opened against me by Midland Funding Company, LLC within the XXXX XXXX County, FL jurisdiction. I was not made aware of any debt held against me or properly contacted. XX/XX/XXXX I reached out to Midland to find out who they were, why wasn't I contacted and what was this in regards to? Representative, Ms. XXXX XXXX switched me to the legal department for where this case was escalated to without my knowledge. I spoke with a Mr. XXXX XXXX from their legal department. After I was able to get clarification on the debt in question, I advised that in XXXX, Midland was given permission to to withdraw via ACH $ XXXX monthly from my account. He told me that I NEVER made a payment. I let him know that the accusation was false and for him to double-check. That is when he was able to verify that the bill was once {$1800.00} and had been paid down to {$1500.00}. However, he couldn't tell me why they stopped drafting payments. I told him that I never authorized them to stop. The agreement was to pay $ XXXX monthly and it wouldn't be posted on my credit report. In which for quit sometime, back then it was not. They ( Midland ) claimed that I stopped making payments which isn't true. I wasn't paying them manually, they were withdrawing automatically, per my consent. I asked, Mr. XXXX to send me documentation stating that I cancelled any reoccurring payments which would have voided the verbal contractual agreement and also that it wasn't on my part of any mishaps that may have happened within their company. According to the docs provided to the courts they claimed they properly notified me and they did NOT which is also another false claim. When I asked Mr. XXXX for documentation, they wanted me to pay them instead of providing me with proof. I told him in order for me to cooperate, I needed everything in writing for my records ; since, they lied several years ago and now put me in a position that can cost me do to their negligence.
|
| 03/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name.
- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute.
- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe.
MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
|
| 01/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or about late XXXX or early XXXX I defaulted on a XXXX credit card. There are several aspects to my complaint. First off, this debt is about 4.5 years old and just now reporting to my credit file. When I first saw the item on my file I disputed the validity of it due to not recognizing the account due to not seeing anything about this account in years. Upon receiving notice I made contact on XX/XX/XXXX at XXXX XXXX to gather some information and attempt to make a settlement. I spoke to a representative and then a supervisor named XXXX XXXX. XXXX mentioned 2 adjustments in amounts of {$44.00} and change and {$19.00} and change. I questioned these adjustments and told him I needed verification of where they came from. He told me they came from the original creditor, XXXX XXXX. XXXX also informed me that Midland Credit had already verified the account from the dispute I submitted so no need for verification on the adjustments. XXXX continued to push me to set up a payment and wanted to give me until XXXX the same day I made contact to investigate the adjustments which was not a reasonable amount of time. After ending my call with supervisor XXXX XXXX I attempted to contact XXXX XXXX, the original creditor. I spoke with a customer service representative at XXXX named XXXX who stated she could not find information for that account on her system. I spoke to another representative in the recovery department who stated the same information that they were unable to locate information under my name for that account. I also contacted XXXX to ask the status of the dispute that Midland Credit claims was verified and as of XX/XX/XXXX XXXX claims the dispute is not complete and is still in progress. Midland Credit discouraged a verification or investigation of these adjustments which I have a right to as well as asking me questions such as when my last payment on the account was. Pertinent information such as dates related to the account is their obligation to confirm and depict accurately.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company really is predatory and abusive, I can hardly believe that they are still up and running. I had submitted a complaint on midland credit on XX/XX/XXXX in which it mentioned that I wanted them to cease all communication as described in the FDCPA and how I am well informed with my rights as a consumer. Midland Credit Management really believes that consumers are stupid as they responded to my complaint stating that they are able to sue me which is a clear threat of something they can not do which violates the FDCPA, more specifically 15 USC 1692e ( 5 ) as they can not threaten to take legal action. Furthermore, if they were to proceed with litigation they would be in violation of a very clear law under this act, 15 USC 1692i ( b ) which specifically states that a debt collector CAN NOT take legal action against a consumer. Additionally they have stated that they will only cease communicating with me directly which completely undermined my notice and 15 USC 1692a ( 2 ) /15 USC 1692c ( c ). They continued to harass me indirectly by continuing to report this information to consumer reporting agencies which is a violation of 15 USC 1692c because the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Clearly an indirect medium is credit reporting. Of course I screen shot the law that was on the FTC.GOV website and attached it to this complaint. This company also stated that they have the right to collect on this transferred instrument which is completely false as I did NOT endorse the transferred contract. I am prepared to make Midland credit face the fullest extent of the law as they clearly DO NOT CARE ABOUT THEIR ABUSIVE AND OPPRESSIVE PRACTICES. They have yet to provide me with the entire purchase agreement, not just the bill of sale and my wet ink signature to prove that I endorsed the transferred instrument with midland credit to validate this alleged debt.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, MIDLAND FUNDING LLC, XXXX XXXX XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
|
| 04/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On or about XX/XX/XXXX, I received a phone call from Midland Credit Management. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of Midland stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call.
Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ). Explained that I recently had major XXXX and have been recovering past XXXX months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements.
All I asked for was time to figure out how I will handle this debt given my current financial hardships.
|
| 06/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation.
Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit.
I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer.
This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission.
As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud.
Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right.
It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
|
| 08/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I entered into a settlement agreement with Midland Credit Management, on which I was to make monthly payments of $ XXXX until the debt was paid in full. I gave this agency my banking information and they were taking my payments, as agreed, from my checking account. I even listened to their recorded version of their terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I gave them my full name, to be included with the automated commitment to pay. I changed banks in early XXXX, and called to notify them of the change, provided them with my new banking information, listened to their recorded terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I was operating under the assumption, based on what I was told by the telephone representative, that they would begin to use my new banking information, to finish out the payment agreement. I received a statement from Midland Credit Management, via USPS, showing the payment amount due, the payment due date, and the plan balance. I reconciled the automated drafts, showing on my bank statements and found that they had not taken my payment for XXXX, XXXX, or XXXX. In XXXX I received another call, which resulted in my giving all of my information to them, in the identical way that I had originally entered into the agreement. I had another call, XXXX, and this call was identical to the calls in XXXX and XXXX. I gave them my information again, exactly the same way that I had done when I called to advise that my banking information had changed. Now it is the end of XXXX, and I received a blocked call, which went to my voicemail. I listened to my voicemail and found that it is another call from Midland Credit Management. At this point I am extremely suspicious over what they may be using my personal information for, since it obviously isn't for taking the final installment, which would result in the account being paid to a XXXX balance and satisfy the terms of my original contract with this company.
|
| 03/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX states I owe them {$4400.00} from an original creditor XXXX, XXXX. as account XXXX. I have asked this business on four ( 4 ) request by United States Postal Service Numbers,XXXX, XXXX, XXXX, XXXX, and some mailing not certified mail return receipt and I have not received a copy of the original contract with my signature with date signed, dated became default and some record of payments so I may understand it this is my debt, and as of XXXX XXXX, XXXX this has not been completed. I have offered to pay with-in reason an amount that my social security will support if in fact this is my debt. I have contacted Midland Funding LLC, XXXX XXXX XXXX, Assisting Secretary, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. This constant XXXX abuse I think may be of human rights and has caused my XXXX XXXX to increase to another stage and causing loss of productivity, and despair just to constant sending letters and answering questions. They continue to refuse to send me the documents I have requested and I have asked they stop contacting me and they still contact me. I asked them to take the request to court here in XXXX County, XXXX so resolve the issue. I am XXXX years of age and I must have this stopped and now I need assistance. I do not have any knowledge of this debt and I ca n't remember anything about this debt. I have researched XXXX credit reporting agencies for information and I can only find a Account Review Inquiries of XXXX on XXXX/XXXX/XXXX address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Telephone XXXX. I have asked this business to stop accessing my credit report without authorization. Midland Credit Management , Inc. has contacted my ex-wife of 30 years past with constant telephone calls in XXXX per letter from ex-wife. My age of XXXX and XXXX ( XXXX ) XXXX children and I am a single parent and I need assistance to stop Midland Credit Management , Inc .
|
| 12/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
On XX/XX/XXXX I received several calls from two different XXXX XXXX. The first was from Midland, formerly XXXXXXXX XXXX. I told XXXXXXXX XXXX XXXXhe first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from Midland and a call from XXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called Midland they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did.
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose.
XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account.
This account was opened fraudulently.
XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account.
This account was opened fraudulently.
XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account.
This account was opened fraudulently.
XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account.
This account was opened fraudulently.
CLOSED ACCOUNTS XXXX XXXXXXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXX bank : XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent.
Reporting old debts as new ones.
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened.
Inaccurate statement of balance due.
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
|
| 02/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX XXXX XXXX XXXX / XXXX P.A attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Also, Midland credit management Court ordered judgment XXXX XXXX Mentioned on this day I was exempt due to being on ma and food stamps, judge said to worry about it after court.
Received notice the were going to garnish wages in mid XXXX, with a basic exemption form releasing said agency to say if I was on assistance and only request my case number. Did not ask for any proof. Sent XX/XX/XXXX certified mail, still have receipt. Found out I had to send a copy to my employer. XX/XX/XXXX sent copy to XXXX charities via email. Said they were on it. Next day email back saying its not good enough proof. As they garnished that current paycheck on XX/XX/XXXX. In the amount of XXXX. I had worked XXXX hours overtime or so hoping to pay my XXXX utility bill for heat and electric. I called XXXX and asked if the had received my exemption. He stated the did and transfered me to XXXX XXXX XXXX. Talked and he hung up on me after asking about my money back, called back straight to voice-mail. Waited XXXX min called him back he answers. I ask again why I'm being garnished he explains tbe state has not replied yet and I did not send proof. I asked what proof he needed and why proof was not asked for originally I would have sent anything needed. Proof of ma or food stamps. I submitted current proof from the mn game service XXXX stating how much assistance I received via email to XXXX called the next day asking if he received it and he said yes he would fax my employer to stop garnishment. I did not have fax number at time. I called my employer got number called him right back straight to voice-mail, I left a voice message with info and fax number XXXX XXXX I believe. Called employer said the didn't receive anything XX/XX/XXXX. Called XXXX again XXXX straight to voice-mail left another fax message. They also stated I need to write a letter to get my money back and I probably won't get it all they said.
|
| 05/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
onXX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to a debt that this company purchased from XXXX XXXX XXXX in an attempt to help repair my credit score. I was connected to my " account manager '' XXXX XXXX who indicated that I could settle the debt by making five payments of {$100.00} for a total of {$540.00} ( the amount of the debt ). I made the five payments to this company as agreed via money orders for which I have proof and proof that the company cashed all 5 money orders I mailed to them. OnXX/XX/XXXX when I called to get a final payoff letter so that I can submit to the three credit bureaus, I was told by the representative that my account is still lacking two payments. When I asked to speak to a supervisor to attempt to clarify this issue, I was transferred to a XXXX XXXX whom said he was the supervisor. He also said my account was short 2 payments and really did not care to hear or investigate my complaint. I then asked for another supervisor or financial officer and was transferred to a XXXX XXXX who identified himself as the customer support supervisor. He offered to investigate my complaint taking down my information. When I called back on XX/XX/XXXX, I had to start the whole fiasco over again with representatives who had a very eminent language barrier and acted like they had no idea what I was talking about. to this date XX/XX/XXXX, I have not heard from this company in regards to this complaint, nor have they issued me a letter stating this account was paid in full. I feel this is a foreign call center whom is praying on individuals trying their hardest to pay off their debts. I feel they committed fraud by cashing these money orders as payments and then denying they were ever received. I don't want anything from this company except a letter stating my account was paid off in full so that I can submit to the credit bureaus to help rectify my credit. As consumers we have the right to this if we have done our part and paid off our debtor in full.
|
| 09/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back in XX/XX/2014 I saw that in my credit report there was a loan for {$7700.00} taken out in my name and social security that was not mine for a home depot credit. I had contacted the collection XXXX XXXX XXXX to notify them they told me I needed to submit a police report for Identity theft against my mother who had used my information wrongfully. Attached, is the police report I submitted. I mailed them all the information they had requested in turn they emailed me a letter to my home address which is a also attached, advising me that the account has closed and will not be collecting on the reference account and that they will be instructing all three credit report agencies to delete the above reference MCM account on my credit file. It turns out that this collection told me false information and years passed and it was still on my credit reports. Every time I applied for a home loan I was turned down and I had no idea why I thought the whole time this issue had been disputed and resolved. I called the collection agency to let them know that they never removed the collection from all three credit bureaus like they told me they were going to do. The third party answering for the collection agency told me that they could n't do anything because it is now a judgement lien with the court house in XXXX County NY and that I needed to contact them with the case number-XXXX and talk to the judge. I contacted the court house and even went to there website to see what came up with the case number and there is no information under the case number or name and they told me they told me they could n't help me if there is no case on it. I later found online https : //www.consumerfinance.gov/XXXX CFPB took action against the collection agency XXXX XXXX XXXX for using deceptive tactics to collect bad debts. Administrative proceedings consent order XXXX was issued by the CFPB. Now, I understand why I had been giving wrong information and the run around to get this of my credit.
|
| 11/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
|
| 05/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
In XXXX I sought legal counsel and hired the XXXX XXXX XXXX XXXX XXXX after having been served with a Civil Complaint by Midland Funding. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to Midland Funding informing them that I was represented by her firm and served them with her XXXX form. Then, on XX/XX/2019 her office called and spoke with Midland requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with Midland for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 ) business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from Midland stating that Midland was closing my account and ceasing collection actions against me. My attorney was in the process of responding to Midland to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from Midland. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to Midland outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, Midland is now ignoring my attorney and has refused to respond to her. Midland 's actions are egregious and should not go unpunished.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX Mi, XXXX Email Address : XXXX Phone Number XXXX Date XXXX Midland Credit Management , Inc .
Attn : Consumer Support Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX And XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Dispute of Account Information on Credit Report Dear Sir/Madam , I am writing to dispute an account that has been reported on my credit report. The account is under the name of XXXX XXXX and is affiliated with your organization, Midland Credit. I am formally asserting that this account is not mine, and I do not hold any responsibility or knowledge regarding its existence.
The disputed account has been listed on my credit report, and I believe this is a grave error that needs immediate rectification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information promptly.
The specific account information is as follows : Account Name : XXXX XXXX Account Number : [ XXXX ] U/N Reported By : Midland Credit/ closed by XXXX XXXX Please XXXXovide me with the documentation that your company has, which associates me with this account, or remove this account from any credit reporting agency if such documentation does not exist. As per the Fair Credit Reporting Act, you are required to promptly correct or delete any inaccurate, incomplete, or unverifiable information.
If you find that this account indeed does not belong to me, I request that you contact all of the credit reporting agencies to which you have reported this account and inform them of your findings to ensure this error is rectified across all my reports.
Please send me a written confirmation once this issue has been resolved. I look forward to your prompt attention to this serious matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please update any information you may have wrongful provided to cc : XXXX, XXXX, XXXX Im my behalf to correct this error Also
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 05/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I looked into my credit report and found 3 account listed under a collection with Midland I sent a validation or verification letter that I found within the CFPB website to get more information on XX/XX/XXXX in which Midland sent me a simple response and not even reporting the information that they provided to me to the credit bureaus.
On XX/XX/XXXX I sent another letter asking for more information as this is still unclear to me what this is and how they are still reporting it.
MIDLAND CRED ending XXXX Balance {$2700.00} Letter received showing Original balance is XXXX but is showing up as XXXX on my credit report with a payment of {$50.00} on XX/XX/XXXX. Which is not being reported and do not recall making any payment. They have not provided a Bill, My personal information or my social security number.
Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me On top of that on my credit karma it shows they are increasing the balance by {$1.00} in the beginning of each month then decreasing it by the middle of the month. So the account is being refreshed and shows a new collection every month.
This is completely illegal and violates all the rules for a collection agency and reporting for a collection account. They have not provided any information that is accurate on my report or to me. Nothing that proves this is mines and using deceptive methods to continue reaging these collections and want this immediately removed
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX AND MIDLANAD CREDIT MANAGEMENT are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
|
| 01/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
My FATHER IN LAW informed me that a collection agency named Midland called him and they were trying to get a hold for me, this was a situations very embarrassing so I decided to contact this collector I requested to do not contact my father in law anymore and I updated my phone number and personal information, I made this for the obvious reason to stop the embarrassing with my father in law.
This company continued to contacting my father in law, even when I requested to stop, it was at the point that my father in law asked them to stop calling him and gave them my phone number so they can reach me.
One day I received a call form this company Midland Funding/Midland Credit Management, The representative informed me the company was considering legal action against me so I should start paying the debt, he pushed me so bad at the point that he phrase in the would continue contacting my father in law. With this two big threats the representative offered me to enroll in a payment plan so I said yes. I put {$100.00} dollars down and the payments of {$74.00} every month.
After this and since I been impacted financially due to the COVID pandemic, I can not afford this payments anymore. I've calling this company for weeks to stop the payments, in every call the representatives said I have to reach " my account manager '' XXXX at XXXX ext XXXX but every time I call this number and extension I get transfer to a voicemail, I already left voice messages but any return call. I feel this is a tactic this company use to prevent the consumers stop making payments. Also I was informed about another bill that Midland Funding is collection something that I fee unfair since they never informed me about it.
In one of the calls I recently made to Midland Funding, I was informed that I can not be suit due to the statute of limitations, something that contradicts the representative who called me since he told me the company was considering to file a lawsuit against me.
|
| 06/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I opened a XXXX XXXX Credit Card in XXXX in XXXX XXXX XXXX. Due to unfortunate circumstances I could n't continue paying for the Credit Card. The acct was charged off in XXXX. Midland Collection Management purchased the debt XXXX. In XXXX I went to XXXX to my father residence. He was very XXXX. I was unemployed at the time.I decided to go and care for my father until he passed in XXXX XXXX. I been a resident in XXXX XXXX and homeowner since XXXX. XXXX XXXX I came back home. On XXXX XXXX, XXXX I found out they took out all of my money from my checking account XXXX. When I went to the bank to find out why. XXXX XXXX XXXX explain to me there was a legal order from Midland Collection Management. They hired a lawyer in XXXX XXXX. They sent a summons to my father 's house in XXXX XXXX. That is not my residence never was. I was there temporarily due to my father illness. My stepmother is not in good standings with me. Therefore, she is not going to forward or even tell me I had any mail there. I do n't understand why they did n't send correspondence to my home address in XXXX XXXX. That is were the acct originated from. Not XXXX. How would I have know there was a summons against me. I called the lawyers and asked them to send me all correspondence that they sent to my father 's house to my home address in XXXX XXXX and their response was that they cant send me anything because its out of their jurisdiction. My response to them was if I 'm out of your jurisdiction how were you able to get my money from my acct here in XXXX. I feel its foul play on there part. This account is a debt that has reached statue of limitations. This acct is from XXXX. I am seeking legal help in this matter. My question is why did n't they send correspondence to my address in the state where the acct originated which was XXXX XXXX and not XXXX. Now I am left with a judgement. Which I will be seeking legal advise to have this judgement reversed or void due to violations on there part.
|
| 10/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
On XX/XX/2021, Midland Credit Management served me with a notice to appear to a pre-trial conference/mediation, alleging I owed them {$3300.00} on a credit card debt originally issued by XXXX XXXX , which they had purchased. This was the first time I heard of that alleged debt. I called their lawyer up and ask for details. The lawyer asked if I knew of an address in Kentucky, which was totally unknown to me. Upon a quick investigation with the vendor, it appeared I was victim of identity theft. I filed a report, appeared at the pre-trial conference, and submitted a Counterclaim in the Small Claims Court. The derogatory report submitted by Midland to the various CRAs resulted in StudentAid declining me a {$30000.00} Parent Plus Student Loan for my son who is in Senior year in College, and for his landlord declining me as a guarantor for his lease. My son was in mental health therapy at the time and this additional stress clearly aggravated his condition. I asked for {$8000.00} on damages.
A couple of days after the conference, Midland asked the Court to dismiss their claim, and filed a Motion to Dismiss my Counterclaim, arguing that " Courts have consistently concluded that the FCRA does not provide a private cause of action for violations of Section 1681s-2 ( a ). See 15 U.S.C. 1682s-2 ( d ) : Longman, 702 F.3d at 151 ( " [ T ] he statute plainly restricts enforcement of [ 15 U.S.C. 1681s-2 ( a ) to federal and state authorities. " ), '' and concluding " Even assuming all of the allegations were true and taken in the light most favorable to the Defendant, the Counterclaim would still fail to state any claim upon which relief may be granted under the FCRA. '' I was served with the Motion to Dismiss on XX/XX/2021.
I have not heard from the Court yet, and I would like to know if indeed Midland 's assertion that I have no cause of action is correct. If it is, please let me know how best handle this matter in order to obtain proper redress. Thank you.
|
| 10/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
First I would like to leave clear that due to the impact of Covid-19 I lost my job and I have not been able to find a job while my husband hardly gets his hours for a part time job to work on his new job and the fact that our kids are taking school at home does not help even though we are getting help from local churches, food banks and even family members, our situation is still hard at this time as we both are slowly sinking into debt.
The problem that I have with Midland funding is that I owe them the amount of {$710.00} which might seem like something small and easy to pay for the average person but the thing is that at this moment we can not pay the full amount due to our circumstances that we are going through and we are not sure if we are going to be able to pay it later on because like I said we are slowly sinking more and more into debt due to that we can not follow up with the bills even though we have already tried to reduce our expenses as much as we could.
Me and some close friends that have been on this kind of situation have had a discount of more than 50 % but for some reason when my husband called Midland to see if they could help me somehow making me a discount for what we are going trough they just thought that it was ridiculous that we would think that we could get an offer under 50 % and they gave us the offer of 95 % in payments even though my husband had already explained her that he only had {$300.00} and was not sure if he could follow up with the payments because of our income and that we are slowly sinking into debt.
We felt like we where taken as a joke and they did not care about of our situation at all as I heard on the call. For a moment there I was put on hold but the representative did not mute herself and I heard her to talking to someone else in what seemed to be her laughing at my hardship or my inability to pay. Im not sure if thats what she said but thats what it seemed like as she thought I was on hold.
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Account was opened with XXXX about XX/XX/XXXX or XX/XX/XXXX & remained open until XX/XX/XXXX with payments being made until that year. I did have an account with that firm but I paid the balance in full. I was unaware of the account until I attempted to finance a car in XX/XX/XXXX & was declined due to the account showing as in collection. I had never been contacted by XXXX or the collection agency ( XXXX XXXX of XXXX XXXX ) until I contacted them in XX/XX/XXXX. Midland was not helpful in providing any details of the debt i.e.what was bought, who paid and/or from what account, addresses etc. I had no way to determine if the debt was mine. Asking for documentation showing signatures, statements or forms of payments that could be used to verify the account as mine I filed disputes with the credit bureaus in XX/XX/XXXX. I got nothing other than they were in compliance with all collection guidelines.
I tried calling Midland- again, no help-no documents.
In XX/XX/XXXX I called the fraud department at XXXX. Gave them all the info I had about the account & asked for documentation that would prove the account was mine. I learned the account was opened over the phone-no signatures. Again, while they had more information than Midland there was nothing that really showed me as the active person on the account. I wanted statements, payment sources showing my bank accounts. They were not able to prove to me it was my account.
They wanted 30 days to investigate & make a decision. On XX/XX/XXXX I had not heard from them so I called the XXXX fraud dept. They told me their records showed it was my account. When I asked what records I got answers like, " I can't access that screen '' or I don't have that. When I asked for specifics like what accounts did the payments come from they did't know.
I can't go back to XX/XX/XXXX or XX/XX/XXXX to check records. My stance is that I will pay the balance if someone can PROVE to me I owe the balance. To date no one has.
|
| 06/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX , Inc. has repeatly tried to collect money on an old debt that was discharged over 8 years ago with XXXX Bank. The amount is more than doubel the amount that was discharged and written off.
I tried to call and explain to them they are doing something that is illegal rying to collect on a debt that was closed out over 8 years ago, but they were unreasonable andwoudl onlt accept payment.
They sent me a offer letter to collect 60 %. Their letter states that they do not have legal recourse against me because it is an old debt and said they will continue to report an upaid balance to the credit rpeorting agencies. To me, this is extortion. They are reporting this a as a recent default and are ruining my credit. This is true text book backmail to get moeny out of me. I have contacted the attorney general 's office in California, the reporting agencies to dispute their claims and if need be, I will retain an attorney and sue them. Their parent company, XXXX XXXX XXXX has had numerous lawsuites against them for using illegal collection tactics, committing fraud by signing on behalf of the defendants they are trying to sue in court and filing false clains of having served leagl documenst on these ppeople they are trying to collect.
I have a copy of the consent order file # 2015-CFPB-XXXX with United Stated of America Consumer Financial Protection Bureau where they were fined and had to pay damages for breaking many collection laws and unlawfully collecting fees from ovrstated interest rates, more than doubling and tripling the original debt and using extortion tactics to collect. They falsley filed with courts by deceiving the courts with inaccurate records.
I am requesting that your agency look into this matter and do whatever is in yor power to penalize these crooked people who have ruined my credit and are tryingt o balckmail me to pay them for a debt that was over 8 years old, discjarged and amount more than tripled the orginal debt.
|
| 03/29/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I originally contacted the debt collection company midland credit management in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
|
| 09/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is in response to complaint XXXX.
Midland Credit Management still has failed to VALIDATE that I owe Midland Credit Management a debt!!!! I dont owe Midland Credit Management anything!!!! The original creditor is the only person according to FCRA that can validate a debt pursuant 15 usc 1692g. The documents that were submitted by Midland are fraudulent and only verify that a debt exists but doesnt validate that a debt exists by myself that is owed to Midland Credit Management . Also according to 15 usc 1681b ( 2 ) all transactions between a consumer and person are to be excluded from the consumers credit report! Even if this debt was valid my rights as a consumer are still being violated and pursuant 15 usc 1692k each violation is punishable in the amount of 1,000.00. Furthermore Midland Credit Management is also in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. You are giving the false impression that you are working with the original creditor which is not the case. The debt has apparently been sold and therefore the original creditor according to you doesnt even own the debt!!!!! You are furnishing false information which violates 15 usc 1692e ; debt parking which is a form of harassment which violates 15 usc 1692d and 1692f. As stated above Midland Credit Management is civilly liable for each violation of my rights as a natural person!!!!!
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I told XXXX XXXX XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX. Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect.
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...
15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
|
| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by XXXX XXXX, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company.
Here is a brief overview of the situation : On XXXX XXXX, I received notice that Midland has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft.
Despite numerous attempts to communicate with XXXX XXXX midland and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine.
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with XXXX XXXX/ midland that would warrant such legal action.
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated.
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling XXXX XXXX to provide the necessary information to prove my liability for the debt they claim I owe.
I have attached copies of all relevant correspondence and notices for your reference.
Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld.
Thank you for your assistance in this matter.
|
| 05/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING for committing identity theft. I have never given MIDLAND FUNDING any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any type of documentation requesting validation from MIDLAND FUNDING before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 04/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On Friday, XX/XX/XXXX, I received a low-balance alert email from XXXX XXXX indicating that I had {$0.00} available. Knowing that I had at least {$450.00} in my account, I contacted the bank and was told that there was a hold placed on my account ( for which they charged me {$75.00} ). I asked if they could give me the information of the party that placed the hold on my account and they advised that it was a small claims court in NJ ( where I live ) and gave me court case number. They told me to contact the court at ( XXXX ). When I called, I was told that a credit card company by the name of Midland Credit initiated the action and that I should have received a summons notifying me that I was being sued for {$1900.00}. I told her that I have never received any summons by mail or any other method. She then read off my address and said that the summons should have been sent via Certified Mail. While my address was correct, I again repeated that I had not received any communications from anyone, particularly not from a court and that I had not heard from Midland Credit for easily two years. I shared that the debt seemed accurate ( although I would have to check my records ) but that I would need to confirm. I also stated that the action left me in dire straits as both my husband and I have significant health issues ( he is on XXXX and is XXXX XXXX ) and this " hold '' resulted in us having no money to access for food or medications. She told me that there was no way that the hold could be released and that it could take several business days to be released. She also shared that it was currently a " one time hold '' and that any expected deposits to that account would be free for my use. She gave me a phone number to contact ( XXXX ) and told me to contact Midland in an effort to resolve the issue. She also gave me what she thought would be the case number I should reference when I call. I wrote to Midland online but have not heard back yet.
|
| 03/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was severely harassed by Midland funding.
I have set up several payment arrangements over 1 year ago and midland funding keeps voiding the payments. In 2018 midland funding accepted 1 payment each for 2 accounts. Midland funding then decided to void a valid payment arrangement without notifying me first.
I was contacted unlawfully on my cell number by midland funding. My cell number which is private, meaning ( i never gave this number out to anyone ) and or if I did have to give a call back number I would of had instructions not save the number.
Its unknown how midland funding obtained my cell number?
Midland funding said their agency looked up my number through a government database?
Midland funding hung up every time even though midland funding was cold calling contacting me. I told them to stop calling! Midland funding leaves strange voicemails to contact XXXX XXXX.
I went online again and set up another payment arrangement on the 2 accounts in question. I was offered a payment arrangement online for 2 accounts. I set up again ( like I did in 2018 ) 2 payment arrangements with midland funding for 2 different accounts. After I set up the payment arrangements online I called the debt collector to inform this debt collector I had set up a arrangement with midland funding online for the 2 debts. I had also instructed Midland funding and or its collectors to stop contacting me! After I told the collector the monthly amount I had set up online, he ( the collector ) threatened me with legal action if I did not come up with XXXX to pay him. I told him I was not paying him XXXX.
He preceded to threaten me and said I would be sued. He said the arrangement would not be valid unless I paid him XXXX. I had to talk to over 4 people that day.
This incident above happened last week.
Today I went online to view the account information and now it says I have I have no account information.
They have now voided my payment arrangement again?
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2020, I was contacted by Midland Credit Management, a debt buyer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX about a credit card account that I had not used for 5 years. I never received a validation notice so I asked for a copy of the billing charges, payments and any fees that have been added. I was transferred to a manager who informed me that he could not provide that information to me. I told him that under the FDCPA I was entitled to that information and he wanted to know why I wanted it. I told him because I wanted to look at the dates of the charges, payments, and fees so I could validate the amount he said I owed. He started reading to me information & I again requested an itemized statement of all charges. He said he was looking at my statement and he was telling me what the charges were. I then asked if he was looking at the statement, then why couldnt he send me one? He refused again. He threatened to " take this to the next level '' and I said that I had not received any written notification of the account being placed with him before getting a telephone call just 3 days earlier. He then threatened or implied he was about to sue me so I told him I would have my attorney contact him. The statute of limitations in Mississippi is 3 years on any contract or debt. This was on Monday ... today is two days later..Wednesday, XX/XX/XXXX. Today I received a 2nd day air XXXX envelope with a " pre-legal '' notification with a demand that I pay in full by XX/XX/XXXX or they " XXXX '' proceed with forwarding this account to an attorney. What reeks of hyprocrisy is that this letter states that " These payment opportunities do not alter or amend your validation rights as described in our previous letter to you ''. I never received any notification but I did request a copy of the charges for validation and was turned down. I intend on pursuing FDCPA violations against this company as soon as possible.
|
| 10/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX day while shopping at XXXX an employee at the customer service area approached me about a credit card XXXX & XXXX, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by XXXX meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at XXXX that day, plus more as I was receiving harassing phone calls from XXXX stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what XXXX stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from XXXX stating that they sent the credit card to my address and that it had been returned which I never knew until receiving XXXX 's letters that XXXX attempted to send me a credit card twice and they were returned. I told that XXXX rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that XXXX is charging me was not an amount of purchased items as I paid my one time shop spree with XXXX 's temporary paper slip, so my question is why is XXXX stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is XXXX continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called XXXX to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that XXXX attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
|
| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On Tuesday, XX/XX/2019 MCM aka Midland Credit Management called my Job to talk about money that I owe on a XXXX credit card in the amount totaling {$400.00} and for another account on XXXX in the amount totaling {$570.00} I kindly asked them to call my cell phone after XXXX and they insisted to keep me on the phone during my working hours as they have called my Job twice a day everyday for the past week. I told the male sales rep collector that I had already sent out a check for the amount of {$170.00}. Then the manager ( male ) got on the phone to tell me to stop the check and they will not except that payment. I told him I was willing to make payments and pay the total amounts. But he insisted that they would like to give me a discount of 40 % -50 % of what I owe and that I would need to have or give them a XXXX XXXX address for this agreement to work. So, I just heard the guy out in what he needed to say was only {$200.00} for XXXX and {$280.00} only for XXXX even though I insisted making second payment agreements in the future to setup and he said that would not work for this deal. I was under a lot of pressure while being on the clock and they said they were running a special deal offer and will end in XXXX. Also that the deal only worked if they had a XXXX address to send the White Letter, Payment Agreement, and Receipt on paid in full. I told him I live in XXXX and havent live in XXXX for 13 years now. I really thought that was odd but like I said under pressure. They called from phone numbers XXXX and XXXX. Payment was sent for XXXX. That same week my account had an unauthorized transaction of money taken out and I filed a dispute with XXXX XXXX XXXX So, I didnt know that the payment didnt go through. I dont understand if Im looking to paying it off and I mean the total amounts then they should work with me and not lie about making deals and stopping checks because it was sold to them for pennies and just want to get rid of it.
|
| 10/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has been inaccurately reporting a debt of {$690.00} on my credit report. I have received NO correspondence. I have received no LETTERS nor phone calls making me aware of the debt. When taking a look at my credit report I saw that they were an account on there from XXXX XXXX XXXX when I have NEVER had an account with them. I spoke with account collector XXXX and explained the situation to him. He then became snarky and told me there was nothing he could do and they would sue me and garnish my wages. I asked him to please explain to me what charges were made. He gave me a list of charges in my state, BUT that i did not make. I asked him to then mail me a copy of the contract with my signature. He refused and I got upset and asked to speak with his manager. He then put me on hold and hung up. After calling back three times I finally was connected with the Supervisor and I explained to her that I was on limited income due to a parent being killed and being the sole provider of my siblings. I even had to update my CORRECT address after they had the incorrect address on file for me SIGNALING FRAUD! I stay in apartments where my mail and sensitive information is usually passed around. I explained this to her. Im unable to work due to severe XXXX and live on little to no income. On the website it stated that they would forgive or settle if medically unstable. She only said I could get a 20 % discount. She told me I would have to pay {$550.00} of a {$690.00} debt that I NEVER MADE! She then questioned how I would make the payments. She told me if I didnt have a payment made by XX/XX/2018 I would be SUED! I have sent letters and made calls and no one has gotten in contact with me. It is not fair for me to pay on a debt that is NOT mine and that has NO signature of mine on the contract. Again I am severely and medically diagnosed as being a major XXXX. I only agreed to settle to get this off my credit report. These people are heartless!
|
| 03/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Funding LLC is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with Midland Funding LLC. I have never received any correspondence from Midland Funding LLC stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with Midland Funding for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that Midland owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead Midland has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. Midland Funding LLC refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. Midland Funding LLC is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure Midland Funding LLC understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. Midland even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in Midland 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
|
| 08/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
After a review of my credit report, I found that Midland Credit Management has been incorrectly reporting a paid collection to the credit bureaus Experian and TransUnion. I have written XXXX letters to Midland requesting a goodwill removal of this paid collection from my credit report and they have refused to do so, stating that they are accurately reporting this information. I have taken it upon myself to illustrate exactly what is wrong with Midland Credit Management and how they are incorrectly reporting this item on my credit report, causing unnecessary damage to my report : Midland violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my XXXX credit report.
Midland violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Terms : 1 Month '' on my XXXX credit report.
Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Terms : 1 month '' on my XXXX credit report.
Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account. on my XXXX credit report.
Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency for not showing the account as paid and closed on my XXXX credit report.
Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account on my XXXX credit report.
Disputing Account # XXXX with Midland Credit ManagementWith respect to the " Terms : 1 month '' notation on my XXXX report : I do not have any known " Terms : 1 month '' agreement or contract in writing or otherwise with Midland Credit Management.
This dispute is with Midland Credit Management, not XXXX or XXXX.
|
| 10/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 04/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me.
RegardsXXXX XXXX XXXX XXXX
|
| 04/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on XXXX XXXX , XXXX in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so. In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between XXXX an d Midland Funding agreed to a sale of accounts on XXXX XXXX , XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until XXXX , XXXX of XXXX .There is no way that this could be true. To go long with that on the very same page the the origination of the alleged account with XXXX XXXX was XXXX XXXX XXXX with a payment date of XXXX XXXX XXXX that myself or banking institution has any record of. If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from XXXX XXXX stating that they were unable to locate any past or present accounts.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
RE : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : Flagged for Collections MIDLAND CREDIT MANAGEM Account XXXX Information on this item has been updated. Please review your report for the details.
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose MIDLAND CREDIT MANAGEMEN Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
XXXX XXXX and XXXX everyday don't verify information, ignore laws and debt buyers like, Midland Credit Management flag account as collections, drops my score by 2 points, uses robo callers to harass me, and threatens retaliation. XXXX is dropping my credit score, every single day, not even 4 hours after I dispute something or add a personal statement, since Covid-19 pandemic started, causing for companies like XXXX not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter
|
| 07/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Midland Funding is collecting the debt for my XXXX XXXX XXXX credit card. I have had health issues and unemployment which has put me far behind on repayment. Midland has repeatedly called me, from cell phones with US numbers, to demand payment with the threat to forwarding my account to an attorney for legal action. XX/XX/XXXX, XXXX and XX/XX/XXXX, " XXXX XXXX, '' ( they all use pseudonyms ) was the most aggressive. He called continually, though I explained I was unemployed and was having trouble meeting basic needs and that I could not spare anything to pay toward this debt. I said I would have to pay at least {$25.00} and agree to have the same amount withdrawn from my checking account, the next month as well, or my account would be sent to an attorney. I was told I would be contacted to set up another payment plan after these two payments. I blocked his calls after these payments. XX/XX/XXXX XXXX EDT, I received a call from a XXXX XXXX, CA number and it was " XXXX XXXX '' from Midland. I had to explain at least 5 times the same situation as explained to XXXX XXXX XXXX XXXX. '' She continued to repeat herself about making a payment. I asked her to call back in a month which she said she could n't promise and that she ca n't control whether or not my account will be forwarded to an attorney. I repeated this back to her that, " if I do n't make a payment, you may forward this on for legal action. '' She stated she did n't say this. Verbatim, no, but it was strongly implied. I called back to get XXXX XXXX XXXX XXXX '' name since I was driving when she called. I was forwarded to " XXXX XXXX, '' who was very conciliatory once I shared my experiences with him and told him I will be filing a complaint. He is some sort of manager. I had asked if either debt forgiveness or reduction was something that could be discussed. He said their company has n't the ability to make those determinations but declined to tell me who to contact.
|
| 12/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing.
The four companies are : 1. Midlantic Funding XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security.
Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date.
Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now.
Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX.
Your time and thoughtful consideration are greatly appreciated.
Thanks, XXXX XXXX XXXXXXXX
|
| 03/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MCM # XXXX I received a letter in XX/XX/XXXX from XXXX collection agency about a purchased debt from XXXX XXXX for {$330.00}. I was told it was for a XXXX XXXX XXXX XXXX. I froze my credit a number of years ago so I knew the card wasn't mine. On XX/XX/XXXX I started phone conversations. I called XXXX and asked for backup. The company claimed it didn't have any backup that I would need to reach out to XXXX funding but as far as they were concerned the debt was valid. I called XXXX XXXX twice and spoke to 2 different people and they claimed they had no backup other than I was on a file. At this point I called XXXX XXXX and spoke to their rep and the company had shown that I had been offered a card but had never responded and I did not have a record with them. At this point I went back to XXXX and worked my way up through the chain and reached a manager who said that due to no back up being available the debt was closed. I asked specifically " This debt is closed and I will not hear from anyone else and that this discussion ended here? '' The manager confirmed this. About a week after that I received another letter from XXXX offering a discount on the amount owed which I just trashed assuming the matter was over. XX/XX/XXXX I received a letter from XXXX and the cycle had started again same debt /same vendor info. I called XXXX today MXX/XX/XXXX and spoke to a rep who acknowledged my previous contact history and the cancellation of the debt from XXXX but still went into stock script " why don't you think you owe this debt and how can we resolve this? '' I repeated that if proof of debt can be provided I will pay but until then he should mark this debt as disputed. I asked for his name and mentioned that I was initiating a consumerfinance complaint and he became quite short and abrupt and the call ended.
At no point have we received any contact from XXXX XXXX saying a debt was owed as we would have resolved way before now.
|
| 03/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I 've received a letter from Midland Credit Management regarding a payment offer, which is dated XXXX/XXXX/XXXX. Prior to this, I was unaware of any collections lodged against me by Midland Credit Management until I received this letter. I then ordered copies of my credit reports and noticed that Midland Credit Management has an account on each credit bureau 's report and the information contained within each report concerning Midland Credit Management varies from bureau to bureau and therefore, is inaccurate.
On the XXXX report, the 'original lender ' is reported as Midland Funding Llc and the 'date assigned ' is listed as XXXX, XXXX. However, this is inconsistent with the XXXX and XXXX credit agencies ' reports which lists XXXX as the 'original lender ' with a 'date assigned ' as XXXX, XXXX. The account number is omitted from the XXXX report and the account number is encrypted in XXXX and XXXX reports.
I have never personally opened an account with Midland Credit Management, nor have I ever accepted any extension of credit from Midland Credit Management, and I have never done any business whatsoever with this company.
By reporting to the credit bureaus as the 'original lender ', Midland Credit Management is in violation of the Fair Debt Collections Practices Act ( FCDPA ), and my rights as a consumer, to fair and accurate information furnished to the credit bureaus, which is then reported to my credit file and contained within my credit report. Further, Midland Funding listing itself as the 'original lender ' on my credit reports is a misrepresentation of the facts, as it is not the 'original lender ', but a debt collection agency. According to the FCDPA, " the use of any false representation or deceptive means to collect or attempt to collect any debt '' is abusive and is prohibited by debt collectors such as Midland Credit Management, Midland Funding, et al., that lurk as original lenders or original creditors.
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct.
1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please accept this letter notification that I dispute the following items reflected in my credit report : Account Details : Creditor 's Name : MIDLAND FUNDING Account Number : XXXX Provide me documentation that this is mine or delete it Note : MIDLAND FUNDING has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. XXXX, XXXX and XXXX need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail. It will not let me log into XXXX or XXXX to dispute either. Please update my info too match this complaint address of mine.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
someone use my identification and open capital one credit card in XX/XX/XXXX with credit limit of {$3000.00}. In XX/XX/XXXX when i pulled my credit report than i found out i have credit card with capital one, I called them and disputed the account and told them i am not aware of that card and i never received this card or statement. they told me to do the police report and identification report and send them, I did do the police report and identification theft report and send it to them. Meanwhile i asked them to send the statement to me to give it to police but after my 3 requests they did send me the statement. I hand over those statements to the police officer. After a month investigation the police officer told me He couldn't find any evidence for that card using those hotels. All the hotels and places where that card was used, they don't have video recording saved for more than a month, since its more than 3 moths, there is no evidence i was able to collect. I told the the capital one all the police investigation but they are telling me that card was delivered at your home and when i asked them for proof, they never gave me second they telling me i used my phone to activate it but the cell phone number ( XXXX ) the giving me is not my number, but they keep insisting they have proof that number is mine but they never give me proof.
I been using one cell phone ( XXXX ) since XXXX and i have been in business since XXXX and all my vendors, friend, customers relatives have that number, I been disputed this account since XX/XX/XXXX but never be able to convince them that is not my account.
since their negative reporting affecting my credit score. i was planning to refinance my home and buy a new car but their negative reporting is not letting me to do anything.
please take action against the capital one and remove my account permanently.
its not my account, i never received this card and i never used this card
|
| 04/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The is my second complaint against Midland Credit Management for harassment and fraud. MCM has failed to produce any documents in which I can validate an alleged debt that they have taken legal action to collect. They are continuing to report this alleged debt to credit reporting agencies against my request to cease.
The company responded to my CFPB complaint on XX/XX/2022, stating that I was sent a validation letter. Who validated this alleged debt? What is there contact information? Were they a witness to the signing of an agreement to pay this alleged debt? Pursuant to USC 1692g only a consumer can validate a debt and I still have not received the documents requested to do so. Therefore it is against federal law to pursue this collection.
Your company also stated that enclosed in your response is the original contract. I have looked through all the paperwork enclosed and see no contract. Pursuant to the XXXX a legally enforceable contract requires offer and acceptance and full disclosure. There is no original contract with wet signatures of both parties showing there was an offer and acceptance nor full disclosure. There is also no witness to attest this alleged agreement.
The information your company is furnishing to the three major credit reporting agencies has not been validated, therefore it is not accurate. Continuing to report this is harassment and violation of USC 1692d ( 4 ).
Pursuant USC 1692i ( b ) your company is not authorized under any federal law to bring legal action against me. You have produced no credible evidence. You have presented nothing but statements, not invoices to be paid. There is no signed contract between I and your company agreeing to pay this alleged debt. There is also no actual accounting showing your company has endured any debt to be paid by me. Therefore I would like to know what are the several factors used to determine the eligibility of accounts for legal efforts?
|
| 07/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Hello, The following complaint is directly related to complaint XXXX. My name is XXXX XXXX and I have been receiving phone calls from credit agencies regarding the servicing of another persons debt that I am not responsible for. I do not know the person with said debt ; I simply have the misfortune of changing phone numbers and now I received numerous debt servicing phone calls. I tried to ignore them as the last complaint I submitted did not stop other credit agencies from contacting me ; only the entity that I had filed a complaint for previously. Today, I am filing a complaint regarding the recent attempt to contact me for the debt of another person. The organization is XXXX XXXX XXXX. The representative was named " XXXX '' and he said that his organizations phone number is XXXX. He refused to provide a physical address for the organization, and referred me to his organizations website. To the best of my knowledge, I have no debt of any kind. The representative clearly stated that they were calling regarding the debt of a person named XXXX XXXX ( spelling could be incorrect ). The last complaint that I filed was in regards to debts owed by the same individual. As the debt was not mine, I could not see myself asking for the correct spelling of this persons name. This is only my second complaint regarding the phone calls that I keep receiving for this other persons debt, but there have been many others. As my last complaint did not stop the phone calls, I thought that I would simply have to wait until these organizations give up on this persons debt servicing ( via my phone number ), but they do not appear to be doing so. I humbly ask that you please look into this matter.
*If at all possible, please inform me of any remedy that I can pursue that can end the bombardment of phone calls that I received ( from multiple organizations ) to service this " other '' persons debt ( s ). * Sincerely, XXXX XXXX.
XXXX, AZ
|
| 04/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
The CFPB filed a Consent Order against XXXX XXXX in 2015 with some very stiff penalties, yet the CFPB allows those it penalizes to police themselves. XXXX XXXX has not and will not pay the full penalties that it should, nor will they ever admit to how many people they cheated by using false or robo-signed affidavits.
I challenged Midland using this very complaint form late last year, and they decided " my case is not one considered eligible under the Consent Order ''. I objected to the use of robo-signed affidavits, bringing up the fact that several states had sued Midland over the use of these affidavits, and that Midland had even sent out affidavits signed by a woman that had been dead for several years. The judge in my case ruled in Midland 's favor because they had a spreadsheet with my name and a dollar amount on it.
When I filed a complaint here late last year Midland decided that they would remove any trace of the collection or judgment from my credit report. Would they have done this if they knew that they had a legal valid claim to this case? I think not. They most likely thought that I would be appeased by this. They were right. Until yesterday.
I received in the mail from Midland a form to fill out asking for all of my personal information including information about my spouse, place of employment and my work address and work phone number ( so that they can harass me at work and get me fired because they are keeping me from doing my job, there is a reason they are not allowed to contact you at work if asked not to ) so that they can see if I can pay the judgement they were awarded almost 5 years ago. Midland knows that they have no case against me, if I bring up the Consent Order. THEY KNOW THAT MORE CASES THAN THE ONES THEY TOLD THE CFPB ABOUT ARE ELIGIBLE FOR RESTITUTION!!!
Midland needs to make restitution eligible to all of those that fall into the categories penalized under the Consent Order.
|
| 08/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It May Concern, I am writing to address the ongoing issue concerning the collection account associated with XXXX XXXX XXXX account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through.
I want to emphasize that with the acquisition of this collection account, Midland Credit Management has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation.
Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. Midland Credit Management has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account.
Deletion of the account and all associated information from my credit report.
By upholding the arbitration agreement, Midland Credit Management demonstrates its commitment to equitable resolution practices.
Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved.
I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above.
Thank you for your attention to this matter, and I look forward to your timely response.
Sincerely, XXXX XXXX
|
| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.
Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXXXXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX MIDLAND CREDIT MANAGEM {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / MIDLAND CREDIT MANAGEM {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX MIDLAND CREDIT MANAGEM {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
|
| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Greetings! Thank you for your assistance and time helping me correct the matters on this situation!
Earlier in this yearXX/XX/XXXX I sent off letters to a few companies stating that I owed them ... Its been a while I have taken notice of my credit however I am now taking action to make it better thanks to my close friend ... .These are items that are on my credit that are closed and in derogatory that I do not recognize and have not ever seen!
The letter stated that I was requesting verification of debt which they claim I owed in the form of my signature ... None of these companies done so.I am following the Law and am trying to handle this in a professional manner.
I made some mistakes in the past even married early but now I am a lot mature and learned from my younger days and am now taking responsibility to correct my past. I want to fix my credit that I may continue being a productive citizen and adding true value to society. I almost got an attorney to help me deal with this in court then I said let me wait a second to see what steps are out there from the Government that can help me.That is how I found out about your services CFPB.
I sent letters to maybe 7 companies and none of them provided within 30 days any proof of my signature. I also sent them a second grace letters asking them to please either provide my signature or to remove the debt reported by them per the law. That was on XX/XX/XXXXand have the proof of the certified letter receipts.
NOW its been about 75 plus days and I have yet to have them prove that the debt is mine per the law and am seeking your help to have each one of them remove this off of my credit report immediately!
They sent me letters saying that the debt was mine and they could prove it yet no one did!
Everything I did was certified mail These people are saying I owe without proof and breaking the law that I owe, {$680.00} along with {$720.00}, {$400.00} and {$430.00}
|
| 12/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX, XXXX has caused me much anguish by reporting an invalid debt to the credit bureaus. XXXX, XXXX occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. XXXX, XXXX is reporting this item as an OPEN account. I never received notice of this debt from XXXX, XXXX. I applied for a home loan and was denied due to this criminal act by XXXX, XXXX. XXXX, XXXX is claiming that I owe them {$340.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a bill back from XXXX but not contract that was signed by me. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent XXXX XXXX a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with XXXX, XXXX, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for XXXX, XXXX is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
|
| 12/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 I contacted Midland Credit Management by phone at XXXX XXXX XXXX XXXX XXXX. They had been calling my cell phone repeatedly, and I was notified by my sister that they repeatedly called her house phone trying to reach me and collect a debt. I had never heard of the company and they did not send me anything in the mail with an account number or balance.
I called Midland Credit Management over a month ago requesting their mailing adress so that I could verify, dispute, and/or or settle the debt. I wrote them two letters- one addressed to an office in XXXX , Michigan , and the other to an office in XXXX XXXX , California - asking them to stop calling my sister 's house and to only communicate with me in writing. I did not receive a response, so I called back on XX/XX/XXXX to follow up. I spoke to two female representatives who did not state that hey we're representing Midland Credit Management, but did say the call was an attempt to collect a debt. Neither of the reps offered settlement, dispute or verification options but instead asked me personal questions about why I couldn't pay the debt that day. I asked for the adress to make sure I sent my letters to the correct company. The first representative said, " What would that change if you communicated in writing? What was happening in your life at the time that the account went delinquent? '' The questions seemed irrelevant and I asked her to verify the adress. She said the post office address quickly so that I couldn't hear it. I asked to talk to a manager and she also didn't offer me any option but to pay the full balance that day. She said they would have to hire an attorney locally and take the debt case to court. I got frustrated and ended the call. I tried to call back but I got an automated message saying the office was closed. I am concerned that MIDLAND CREDIT MANAGEMENT based in XXXX XXXX, CA is NOT A LEGETIMATE DEBT COLLECTION COMPANY.
|
| 05/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Midland Credit Management Inc ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX FAX # ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Midland Credit Management Inc or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Midland Credit Management Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Dear Sir/Madam, I am writing to bring to your immediate attention a matter of significant importance concerning inaccuracies in my credit report. I have identified several items that are not compliant with Metro 2 reporting standards, specifically related to the account managed by Midland Credit Management. I kindly request your prompt assistance in rectifying this matter.
Creditor : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Allias : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Last reported XX/XX/2023 Dispute Type : Metro 2 Compliance Violation I have thoroughly reviewed my credit report and found that the reporting for this account does not adhere to Metro 2 standards. I am formally disputing the presence of Midland Credit Management and any associated negative credit impacts. I urge you to take the following actions : 1. Immediately remove the entry for Midland Credit Management from my credit report, along with any associated negative credit impacts.
2. Perform a thorough investigation into the Metro 2 compliance of the reporting for this account and negative reporting credit items.
3. Provide a detailed response outlining the steps taken to rectify this situation within the statutory time frame.
Midland Credit Management has failed to adhere to the Metro 2 reporting compliance standards, and failed in any supporting evidence, to facilitate the resolution process. I trust that you will handle this matter with the urgency it requires.
Please acknowledge receipt of this letter and inform me of any additional information or documentation you may need from my end to facilitate this dispute.
Thank you for your immediate attention to this matter. I anticipate your timely response and resolution.
Sincerely, XXXX XXXX XXXX
|
| 12/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I writing because I pull my credit on XX/XX/XXXX found out about this collection from MIDLAND CREDIT Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter MIDLAND CREDIT they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter.4 ) If your office failed to obtain all documents requested in validation, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
|
| 01/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX filed a lawsuit to collect on a charged off credit card. To avoid a judgement, I called Midland on XXXX/XXXX/XXXX and agreed to settle the debt out of court for {$550.00}. {$300.00} was to be paid immediately and the remaining balance of {$250.00} was to be paid within 30 days ( XXXX/XXXX/XXXX ). I was told I would be sent a document to sign and return ( which I still have not received ) and upon making the last payment, I would be sent a letter staying the account had been paid in full. I made the first payment on XXXX after verifying on their website that the amount due reflected the agreed settlement amount, then made the final payment of {$250.00} on XXXX XXXX, XXXX. At that time the account balance was correct and should have showed a {$0.00} balance once the payment cleared. I checked the account on XXXX to ensure the payment had posted and found that they were then showing a balance of {$130.00}. I thought it may be a glitch so I waited another day and checked the account again only to find they were now claiming I owe a balance of {$230.00}. In addition to adding additional charges to my balance, they also made changes to how my payments had posted. Where there had only been the 2 amounts ( {$300.00} and {$250.00} ), the payments had been split up into smaller amounts and 2 additional amounts had been added showing a posted date of XXXX/XXXX/XXXX, which was not on there previously ( I have screenshots to verify this ). I have filed a dispute with midland but have not heard anything at all from them. The hearing for the suit was rescheduled to sometime in XXXX, and this needs to be corrected before that time. I do have a screenshot of the payment confirmation page from when I made the final payment stating that the payment was succesful and even says at the top it was for the balance in full ( though it does not show the actual amount paid, I do have proof of the amount I paid that day )
|
| 09/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
In XX/XX/2019 I began receiving calls from Midland on Sundays after hours regarding a debt. I asked them to only contact me via mail. In XX/XX/2019, I received a bill from them offering a settlement for a debt to which I followed up with a dispute and validation request only to then receive a new bill with Midland acting " confused '' as if they were unaware of what I am disputing and also refusing to investigate until I provide documentation demonstrating errors. While speaking to a representative over them phone about information on their website, the representative became aggressive and demanding that I make a payment before hanging up. The representative informed me that if I did not make a payment with him, he would not be able to help me and that I could not call back in and get a new deal because he would not be there. I informed him that I would not make a payment until I received proper validation that this was in fact my account. In XX/XX/2019, I received another bill with false statements alleging that I agreed to a payment agreement. I followed up with a letter to the company stating that I in fact did not make any agreement with them neither did I make any claims to the account and requested to have this allegation removed and once again requested proper validation of the account and not another bill printout as the FTC states that itemized bills are not a valid form of validation.
After several request for validation and investigation methods to both the credit bureaus and Midland, I have yet to receive proper validation. Instead I continue to receive bills and aggressive sales representatives pressuring me to pay a debt that they refuse to properly validate. I have disputed the accuracy and validity of this debt. Section 623 ( b ) ( 1 ) ( A ) of the FCRA makes it unlawful for creditors not to conduct a reasonable investigation of disputed information upon receiving notice of my dispute.
|
| 09/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I mailed Midland Credit Management several letters asking for a true bill of commerce and a wet signature stating we are in business agreement to no avail. They are attempting to collect a debt not owned by their entity and unlawfully so by manners of legalese which are trumped by law codes via the U.S.C. I have to permit them to furnish an account which why they constantly mail me threats of litigation in hopes that I do not respond. My rights are being violated and the credit card company has venued my credit from the treasury to furnish an account and with draw funds and then issue them back to me in debt notes. This being the reason for the national debt, confiscating all gold and their way of avoiding bankrupting the U.S. for the 4th time. The government has an obligation to pay all debts under Public Law 73-10/HJR192 of 1933 as proof to back up my statements.
15 U.S. C 1681 section 602 a. States I have the right to privacy 15 U.S. C 1681 Section 604 a. Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or XXXX where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.
|
| 05/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by XXXX XXXX XXXX. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint.
I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account.
I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!!
I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else.
Thank you so much for your time!
|
| 10/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a federally protected consumer. This is a formal Notice of Default that Midland Credit Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attached Invoice # XXXX that itemizes these violations in detail.
Midland Credit Management as not complied with the cease and desist notice they received XX/XX/2022 via my first complaint with the CFPB.
15 USC 1692c ( b ) states without prior consent of the CONSUMER given directly to the debt collector, a debt collector may not COMMUNICATE, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law.
15 USC 1692c ( c ) states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further COMMUNICATION with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Midland violated both 15 USC 1692c ( b ) and 15 USC 1692c ( c ) on XX/XX/2022 by continuing to communicate with me after they received my Cease & Desist Notice on XX/XX/2022. The communication was made by updating the status of the collection account on my XXXX, XXXX, and XXXX consumer reports without my prior consent. 15 USC 1692a ( 2 ) states the term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating to 3rd parties is prohibited, in this case, consumer reporting agencies, because the Cease & Desist Notice is effective and the communication is not permitted by law.
Midland has stated in their response to my first CFPB complaint that they will continue to furnish information to the consumer reporting agencies even though the account is marked as CEASE & DESIST, this is a direct violation 15 USC 1692c.
|
| 11/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
My name is XXXX XXXX and I had my identity stolen many years ago when I lost my wallet and someone had opened a secured credit card with XXXX XXXX many years ago and I hired a lawyer that faught to help me fix my credit score and all was well and the account in question was marked as charged off and removed from my credit report forward till now I finally got my credit score a little higher and decided to give credit one a try and apply for a credit card and it said I was approved and a card was Shipped out to me but instead I got a letter from a company I've never even heard of claiming I have until XX/XX/XXXX of this year to pay them {$840.00} for an account that was years old and marked as charged off and removed and stated repeatedly that I did not apply for any card with them back then but they refused and continued to harass me for payment even though it was identity fraud. Now they are threatening to sue me if I don't pay them {$840.00} by XX/XX/2021 when I don't have that kind of money for an account I never even opened to begin with. This company name is Midland credit management Inc and I never made any deal or contract with this company in my life and this is the first time I ever tried to get a credit card from XXXX XXXX XXXX so for a credit debit collector to threaten me for an account that was charged off and marked with identity theft many years ago is rediculous. If anyone can please help I would be really greatful. Sincerely XXXX XXXX email XXXX address of debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the letter they sent never specified what debt it was referring to either just the last four digits of a random account number and the amount and that they will send it to a lawyer and sue me if I don't pay by XX/XX/2021 or make a payment plan with them. Say go to Midlandcredit.com or call XXXX MCM account number XXXX for an unknown account I never applied for.
|
| 03/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I never RECEIVED communication or summons from the third-party company MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX On XX/XX/2023 I just received notification from Michigan Department of Treasury Withholding Unit that the third-party company MIDLAND FUNDING LLC XXXX XXXX will receive {$1400.00} dollars from my Tax Refund. I also just received notification from Michigan Department of Treasury that the plaintiff XXXX XXXX XXXX XXXX XXXX is representing on behalf of the Third-Party collection agency. Ive found multiple violations that the plaintiff and company MIDLAND FUNDING are participating in. I also informed the Michigan Department of Treasury of the unlawful debt collection practices occurring. MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX NEVER gave any verbal or written consent to garnish wages, nor collect any debt. I do not owe any debt to this company, nor is the debt reporting to any consumer report. It is also a violation of federal law, the Fair Debt Collection Practices Act ( FDCPA ), for a debt collector to threaten that your wages will be garnished if your wages can not legally be garnished. DEBT COLLECTORS AND CREDITORS ARE NOT ALLOWED TO SUE ME WITHOUT GIVING ME NOTICE THAT I HAVE BEEN SUED. All lawsuits require proper service; meaning the plaintiff must provide the defendant a copy of the complaint against them and a summons, in which I never received until Tax Refund was OFFSET.
1. A debt was never owed to MIDLAND FUNDING LLC XXXX XXXX ( NOT ORIGINAL CREDITOR ). XXXX XXXX is the original creditor.
2. I NEVER received proper service, such as Summons, Complaint, WRITTEN DEBT.
3. This company CAN NOT and will not provide Validation of DEBT owed A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.
|
| 10/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with XXXX while XXXX reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off.
Second account just different account number with one month difference on date open and slightly different balance reporting incorrectly.
Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by XXXX. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.
|
| 08/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
REQUEST FOR VALIDATION OF DEBT Dear, XXXX XXXX XXXX Your letter was received on XX/XX/18 alleging that I owe a debt to an original creditor named XXXX XXXX XXXX Im not aware of this account You are reporting XXXX XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or XXXX XXXX XXXX
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above.
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute.
Please correct the records with all reported credit bureau, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above.
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is in reference to complaint # XXXX TO YOUR RESPONSE YOU STATED THAT NO CORRESPONDENCE WAS RECEIVED DIRECTLY FROM YOU PIOR TO THE COMPLAINT FILED THROUGH THE CFPB WHICH IS ACTUALLY INCORRECT! I HAVE THE CERTIFIED MAIL RECIPT AND TRACKING NUMBER TO PROVE IT. WHICH IS ATTACHED. DATED BACK TO XX/XX/2021!! IVE BEEN IGNORED YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B YOU ARE A 3RD PARTY AND I DONT OWE YOU ANYTHING BY LAW. BY LAW YOU CAN NOT STATE THAT I OWE AN ALLEGED DEBT. 15 USC 1692B ( 2 ). YOU FURNISHED THIS INFORMATION WITHOUT VALIDATING THE ALLEGED DEBT WHICH HAS RUINED MY REPUTATION. 15 USC 1692D. I DIDNT ENTER ANY CONTRACT WITH YOU.
YOUR ALSO FURNISHING DECEPTIVE FORMS 15 USC 1692J, WITH FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692E ( 2 ).
IN MY AFFIDAVIT OF TRUTH THAT HAS BEEN IGNORED UNTIL I PLACED THE COMPLAINT VIA THE CFBP, STATES I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR.MY CREDIT CARD WAS USED TO ENTER THE ORIGINAL TRANSACTION,15 USC 1602, THAT YOU WERE NOT PRESENT FOR.
INFORMATION PROVIDED BY THE SELLER TO YOU HAS NOTHING TO DO WITH ME, THE NATURAL PERSON, THE ORIGINAL CREDITOR WHEN I REQUEST A VALIDATION OF DEBT 15 USC 1692G THE LAW ALSO STATES An affidavit unrebutted stands as Truth.
Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I have asked Midland collections to stop contacting me but they seem to be ignoring me as if i dont matter, i received a letter today from them wanting me to pay something im not even sure is mine. They refuse my rights as to showing the original purchase for this account saying they dont have show me which is wrong because capitalone could have put conditions concerning the purchase and when you buy in bulk applys to all. If they own this account why is there a problem showing the purchase, the original open date for the account the original contract date, the original charge off date, show late payments, the original interest rates, XXXX XXXX yrs old im not going to be taken advantage of or bullied in paying some one who tell me they dont have to prove any thing to me. I have asked CFPB several times to help me with these people i have als askedthe ( 3 ) agencys to help me and no one seems to think midland has abused my consumer rights the agencys are not investigating the info being sent to them out of greed for making money off my account without my consent if you are going to sell my info you have the responsibility to make sure what yu are reporting is accurate. I asked midland to stop reporting until the investigation has been completed same for the three agency, and send me a copy of the investigation with who they talked to, the dept, date & time, who signed off on it the original form used to investigate midland kept reporting agencys also ignored my request. Im a consumer but my voice or rights mean nothing if these agencys are not made to respect the laws of this land and held accountable for there actions no one police these agencys no one make the three agencys to stop depending on AI to do there jobs but you dont if you cant do your job i requesting the three agency to stop selling my info until they get my consent and also show me that they did the investigation before selling it.
|
| 05/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This is ridiculous! Midland funding is trying to sue me for a debt that doesn't even belong to me. This is a fraudulent lawsuit and they shouldn't be able to treat consumers like this. They submitted 2 exhibits to the courts that were copies of invoices. First of all, that's not even a form of debt validation. Secondly, the CFPB has addressed them about fraudulent lawsuits so why do they keep doing this to consumers. This is abusive behavior and they are misleading the court system with false information and it's a violation of the FDCPA! This lawsuit needs to be dropped immediately! I am requesting that they provide the following information : Please provide the following information XXXX. Name and address XXXX. Name on file of alleged debtor XXXX. Alleged account # XXXX. Address on file for alleged debtor XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Dates ( this alleged debt became payable ) XXXX. Date of original charges or delinquency XXXX. Was this debt assigned to a debt collector or purchased?
XXXX. Amount paid if debt was purchased.
XXXX. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grant Midland Funding the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. - All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Midland funding, in case legal action becomes necessary : Authorized Signatures of Creditor : _________________ Date : ______________
|
| 06/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Midland Credit Management and I had a working relationship before COVID-19 hit. At this time I was looking to switch banks because my bank was not as secure as they claimed so I tried to contact them to ask if I could put my payments on pause while I rode out COVID-19 to seek employment and transferred my banks. They had no 'pause ' button for payments nor any option to seek a hold until I could get back to paying them once more, so I was forced to stop payments and figured I could simply resume when I was capable ( which California is still rocky on when things will be entirely reopened or back to somewhat normal ). As there was no way to discuss this with anyone online or to put a temporary hold on payments in any fashion, it was the only logical option I had. Keep in mind, I had made many payments to this account over the last year or so. My original balance of {$2300.00} ( {$2400.00} with interest ) has since dropped to {$1600.00} - so that's proof I've been paying off this debt as much as possible.
Now, I got a letter today on XX/XX/2020 stating if I didn't pay the {$1600.00} due BY XX/XX/2020 then I would be sued by the company. Not only was I not home to make this call when their lines were open, for personal reasons, but there was no way to leave a message to dispute this lack of warning and threat of a lawsuit because their 'voicemail inbox is full '.
So I was not given a warning that led to this legal action, I was not given a validation notice, an ability to respond in writing nor any notice leading up to this but I was also not capable of calling to dispute. All of which are illegal, if I'm not mistaken.
To top that off, my past payment history is not available on MCMpay due to me having to cancel payments - I'm sure. Which means I can not provide you with any receipt of my transactions because they are with my old bank and MCMpay has erased them as if I never made them.
|
| 07/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company XXXX XXXX mailed me a letter on XX/XX/XXXX. This letter stated I owed money to a certain credit card company. When I recieved their letter, I instantly reached out to them on XX/XX/XXXX at XXXX to find out what this debt was in regards to. They told me this debt was a credit card that was opened on XX/XX/XXXX. They told me the card was closed XX/XX/XXXX for non payment and charged off. I reached out to the credit card company and they sent me a letter on XX/XX/XXXX that stated they have reported my account accurately with the credit reporting agencies and that my accounts on file with them were closed, paid in full, and in good standings. I called XXXX XXXX and told them what I was told with the reps name and contact info. XXXX XXXX had no explenation for me and couldnt assist me. I called back on XX/XX/XXXX at XXXX and had to leave a voicemail with no returned call. So In return I sent them a certified letter which was signed and recieved by them asking them to provide me proof within 30 days that this was my debt and what exactly it was for, how they calculated what they say I owe, provide me with a copy of the judgment, show me they are licensed to collect in the state I live in, and provide me with their license number. All future communication with me must be sent via mail. They never responded to me or tried to reach out to me. Four years later they serve me with a notice to revive judgement. How can a company keep reentering judgements agaist someone when they cant even provide the requested documentation to show proof of the debt. Why as a consumer would I pay for a debt that I know isnt mine!? When I XXXX this company their is nothing but corrupt comments about how terrible they are and how they practice illegally and that they have been sued by other consumers fro fraudulent actions on their behalf. I will be hiring a lawyer to help protect me against these crooks!
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3900.00} Midland Credit Management claims I owe them along with the contract bearing my signature showing that I had ( or ever have had ) a contractual agreement to pay them. I, also, informed them that if they were unable to provide validation, they were in violation of FCRA & FDCPA and therefore must request all credit reporting agencies delete their entry from my credit report. I informed them that failure to respond in 30 days of receipt of this letter could result in small claims legal action at my local venue.
Midland Credit Management did not respond to this letter. Instead, they sent another bill attempting to collect the debt from me the following month.
XX/XX/XXXX : As a courtesy, I sent a follow up letter reminding them that by not responding in a timely manner, they had violated federal law and failed to provide any viable evidence bearing my signature to show the debt was reporting accurately. I informed them that since they had violated federal law by not properly investigating in a timely manner, they must now remove the debt from my credit report.
XXXX XXXX : I received a response from Midland Credit Management stating that they had conducted an investigation and their records were accurate, but they didn't provide any documentation that proves they did a complete investigation or contracts with my signature that proves I owe them.
Furthermore, Midland Credit Management is reporting the open date as XX/XX/XXXX but they didn't show up on my credit report until months later so they are indeed reporting inaccurate information along with being unable to provide contracts between them and me with my signature.
I have asked Midland Credit Management twice to remove the debt from my credit report if they are unable to validate the debt or are reporting inaccurately and they have not.
|
| 03/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX 2016, I sent XXXX letters to Midland Credit Management requesting proper debt validation per Texas Finance Code Section 392.202 which requires a debt collection agency to provide the alleged debtor with specific information concerning their debt including but not limited to : Name & Address of original creditor, original date of default, date debt was transferred from original creditor to third party debt collector, original balance, current balance, any fees added by the agency, and Texas surety bond information required by Sec. 392.101. I sent ( XXXX ) separate letters for MCM Account numbers # XXXX, # XXXX, # XXXX. The letters were received and signed for by Midland Credit Management on XXXX XXXX, 2016. On XXXX XXXX, I received XXXX letters for each respective account number from Midland Funding stating that the status of the account would be changed to " disputed '' with the XXXX major credit bureaus but further stated that " After reviewing he information you provided, as well as our account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas XXXX XXXX and/or the Fair Credit Reporting Act. '' I replied sending XXXX separate letters ( one for each account ) clarifying that in no way was I giving Midland permission to mark the account as " disputed '' with the credit bureaus, that I was requesting proper debt validation per the Texas Finance code. As of XXXX XXXX, 2016 I still have not received proper debt validation under the Texas Finance Code for the ( XXXX ) Midland Collections Accounts that I requested. Midland Funding has not validated these alleged debts within the 30 day window that the Texas Finance Code 392.202 ( b ) ( 2 ).
|
| 03/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Midland Credit management bought a debt from a XXXX account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have XXXX XXXX and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of XXXX. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that Midland Credit Management had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
|
| 09/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland Credit Management sued me, via XXXX, XXXX XXXX XXXX XXXX XXXX, with a summons issued on XX/XX/XXXX. The case was just dismissed on XX/XX/XXXX, but it should have been dismissed a long time ago. I've been to court three times now for the same matter. I filed, without an attorney, two motions, a letter to Midland, and attempted to file an asset subpoena.
The attorney never received the second motion, filed XX/XX/XXXX. She read my copy.
Midland kept alleging that my account was opened as a XXXX XXXX, when it was opened as a XXXX XXXX, which was later transferred, by XXXX, into their MasterCard program. I have all of my purchase receipts and billing statements, and nearly all of my payments were made in-store, so I have those receipts as well.
I was never invited into the courtroom to show my evidence. The attorney ( mediator ) for XXXX always met with Midland debtors outside the courtroom to get people to arrange a payment arrangement. I would never do it because they kept sending me copies of statements that didn't match mine. That was my main issue. I have an account and the issuer did charge it off, but it appears to be lost.
If a debt collections company is going to go to the effort and sue me, the onus should be on them to prove their case. I shouldn't have to keep requesting info in order to verify they have the right account. And where are my rights? I should have been let into the courtroom once I said that they didn't have the right account and I had evidence to prove it.
Not only that but Midland reported my account to the credit bureau before they got a payment arrangement or won a judgement. Someone got my XXXX XXXX deleted from my credit file, along with five years ' worth of payments that I did make. And even XXXX XXXX conceded that my account was opened as a XXXX card, so I don't understand the disconnect between a debt collector and their law firm.
|
| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that a debt collector may not engage in any conduct the natural consequence of which is to harass oppress, or abuse any person in connection with the collection of a debt.
Midland Credit Management has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope.
The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications.
4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.
5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money.
6. May not contact you if you have informed the collecting agent that the debt is not yours.
7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure.
8. May not make false statements in an attempt to collect a debt.
|
| 05/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX for an XXXX account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month.
1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to Midland credit stating the don't have that authority.
2. When i called midland credit asking for the same thing, they sent me back to XXXX XXXX XXXX stating the account is no longer in their hands.
3. I submitted an offer to XXXX XXXX XXXX on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from XXXX XXXX XXXX stating i have two weeks to respond before they start a discovery and file in court.
5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau.
I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between Midland Credit & XXXX XXXX . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?
|
| 04/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT has violated my federally protected consumer rights in accordance with the Fair Credit Reporting Act using two accounts from XX/XX/XXXX until XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT has attempted to XXXX, XXXX, and XXXX me using deceptive, misleading and abusive practices against me, my family and my household by harassing me, committing mail fraud and identity theft. This is criminal activity AND is unacceptable by every means. MIDLAND CREDIT MANAGEMENT couldn't verify either debt in accordance with the Fair Debt Collection Practices Act. The alleged debts can't be legally or lawfully collected on and should have been deleted months ago. After putting MIDLAND CREDITMANAGEMENT on notice that they were in violation of my rights, they continued collection efforts, purposely being non-compliant with the FDCPA while ignoring my prior correspondence. MIDLAND CREDIT MANAGEMENT only complied and deleted both accounts because I reported them along with the violations against me to the CFPB. Violations for BOTH accounts include but are not limited to : Violation, 15 USC 1692 ( b ) ( 2 ) ; Violation, 15 USC 1692c ( a ) ; Violation, 15 USC 1692c ( b ) ; Violated 15 USC 1692d ( 1 ) ; Violated 15 USC 1692d ( 2 ) ; Violation, 1692 ( e ) ( 2 ) ( a ) ; Violation, 15 USC 1692 ( e ) ( 5 ) ; Violation, 15 USC 1692e ( 8 ) ; Violation, 15 USC 1692 ( e ) ( 10 ) ; Violated 15 USC 1692f ( 1 ) ; Violation 15 USC 1692f ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( j ) ; IDENTITY THEFT ; INVASION OF MY INDIVIDUAL AND FAMILY PRIVACY ; DEFAMATION OF CHARACTER AND ADDITIONAL DAMAGES ; I am willing to settle civil liability damages I have suffered pursuant to 15 USC 1692k. If there is a refusal to settle within 30 days of receipt of this notice, I will have no choice but to take immediate court action by initiating the litigation process.
|
| 11/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am contacted the CFB regarding Midland Credit Management, FTC file # XXXX. Company was sent 3 dispute letters by me. MCM never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX& another again on XX/XX/XXXX. Both statements provided by MCM were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like MCM who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from XXXX XXXX XXXX/XXXX XXXX! I have been asking for a proper debt validation that company has failed to provide. Instead, MCM lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
|
| 06/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Midland Funding, LLC T his compliant is being sent to you in response to a complaint reponse sent to me on ( XXXX / XXXX / 17 ) Be advised this is not a refusa l to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request fo r VALIDATION made pursuant to the above na
med Title and Section. I respectfully request your offices provide me with competent evid ence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, If you do not c omply with this request, I will immediately file a complaint with the Federal Trade Commission and the [ XXXX ] Attorney Generals office. Civil and criminal claims will be pursued. If your offices are able to provide the proper documentation as requested in the followi ng Declaration, I will require at least 30 days to investigate this information. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 10/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off in XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account in XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from midland credit management stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court.
XXXX XXXX company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.
|
| 02/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There should be one reference number but I was informed there are two reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser.
It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor.
Where is the original account with my signature so I can view it for myself??
This is hearsay and validation has not been provided.
I continue to request validation of this account and I have yet to receive it.
Furthermore this alleged account has already been deleted from my credit file through XXXX.
As I looked further, I see the other two credit reporting agencies are still reporting the alleged account.
The reason they are still being reported on the other two is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account.
Midland has not validated this alleged account and can not continue to report inaccurate and inconsistent information.
I am submitting exhibits to show that Midland did not report accurately and consistently.
You will also see " terms frequency '' is inconsistent between the three major reporting agencies.
The " loan type '' is inconsistent.
I see that this alleged account is being reported as closed and as a collection across all three major credit reporting agencies. It should report the same all across the agencies.
I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.
I am requesting that Midland be removed from the two remaining major credit reporting agencies immediately!
|
| 09/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX : credit card amount due of {$3800.00} was sold to Midland Credit Management , Inc .
XX/XX/XXXX : Midland Credit Management sent letter with transfer details and current balance : {$3800.00} Conversations with collector occurred : told Midland Credit Management XXXX Inc.I did not have the complete funds to pay off the balance. Was told I could offer a settlement XX/XX/XXXX : I wrote Midland Credit Management offered settlement amount of {$900.00} and sent check with offer. Clearly asked Midland Credit Management to inform me if the one-time payment settlement amount was acceptable, and if so to confirm in writing. Also, started if it not acceptable to please return the check.
XX/XX/XXXX : Midland Credit Management cashed check ( # XXXX ) for {$900.00} Follow up call was then made by Midland Credit Management asking for full amount of balance owed {$3800.00}. Upon speaking to representative who first denied receiving the settlement letter and check, but then asked me for evidence, which I subsequently provided by reading the letter to the representative over the phone and provided details of payment paid. Representative then back tracked and said it was not settled and they would return the funds.
Funds were never returned. Nor were they deducted from the balance owed XX/XX/XXXX, I followed up with a letter to Midland Credit Management outlining the situation and stating the debt was settled XX/XX/XXXX : Pre-legal notification letter from Midland Credit Management treating to forward the account to an attorney for the full amount owed {$3800.00} XX/XX/XXXX : I wrote Midland Credit Management to again outline that the amount was settled, they cashed the check, did not return the funds, and did not even take the money they took off the original balance owed.
Midland Credit Management call me nearly every day and continue to write letters to me, now threatening.
|
| 07/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found out from the credit reporting bureaus XXXX XXXX and XXXX that there was a negative account under " Midland Funding, LLC under account number xxxxxxxxxxXXXX. Midland Funding, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Midland Funding, LLC has failed to provide the information requested. Midland Funding, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Midland Funding, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Midland Funding, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Midland Funding, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Midland Funding, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Midland Funding, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
heftyHi, I been trying to work a settlement payoff with Midland Credit Management for the pass month and a half now. As I 'm writing this complaint, I 've been on hold for 1hr,25mins now, without anyone coming back to the line to follow up with me at all. Not sure what the policies, and procedures are, but what ever it is, Its not working well.
However, I 've been wanting to work with MCM on an amount of XXXX which was offered to me at the end of XX/XX/XXXX to close out the XXXX account I have in their office.
My first contact with MCM, I advised them that I have a very limited amt to work with, to be exact I had amt of XXXX, due to lack of income. I 've contacted them few more times after that, but no one seem to be willing, and understand my situation, not that I expect them too. I just would like to be treated fairly, I 'm sure they do n't place all their client on hold without a follow up for over an 1hr now. I wish someone would just come back on the line so I can settle this matter.
I hope the way there are treating me at this time will not go unnoticed, the way they are conducting their business is ridiculous, its unheard of, I 'm surprised their doors are still open.
I just wish someone would come back on the line, considering they close in 8mins ( XXXX EST ) that 's how long I 've been on hold without a follow up, WOW! Amazing!
I hope CFPB, can retrieve the phone calls I 've made to them, so you can hear my willingness to work with them, and MCM, Not so much.
I even had a rep question my intentions for wanting to settle the matter.
So I 've been on hold now for a total of 1:28min Guess this matter will not get resolved tonight for lack of willingness on MCM 's side.
Thanks MCM for wasting 1:35min of my life!
I sure I 'm not the only one that has some thing nice to say about MCM ...
I hope MCM will be fine a hefty amount for this unfair treatment!
|
| 11/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management Is consistently sending me letters after I have already let them know that I have no knowledge of the debt they are claiming to be mine.I asked them not to contact me and to not report this to my credit report. This is invalid. They also did not respond within a five day period with any validation. I contacted Midland Credit Management on XXXX XXXX for validation. I also contacted them again on XX/XX/2021. Still no documentation.
According to 15 USC 1692g Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Midland Credit Management sent a letter dated XX/XX/2021 stating that they do not know what I am disputing. Neither do I and this is well over 5 days after initial contact.
In pursuant to 15 US Code 1692 I have disputed this debt.
|
| 01/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUNDING or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUNDING or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 05/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts.
However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed.
It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this.
The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house.
Thanks
|
| 03/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Received letter from Midland Credit Management stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail.
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at midlandcredit.com. When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info.
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.
|
| 09/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
My name is XXXX XXXX and I reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX # XXXX Midland Founding LLC sued me for an old credit card dept, {$3700.00}, they had on their records with California Superior court XXXX county, case # XXXX. Which they claim that they have collection rights from XXXX XXXX.
I went to court on trial on XX/XX/XXXX in person trying to defend myself since I could not afford an attorney and lost the case and now due to my financial problems I need to file for Bankruptcy and I even can't afford an attorney to help me to file for the BK.
The documents they used against me was only data files that they had purchased from XXXX XXXX and statements that were not exclusive to me. They did not provide anything else. I disputed the dept and they responded by a single page letter that per their internal records I owe them money and not provided any other evidence. I reference the Consent order between CFPB and Midland to the judge, he said this is just some documents from a federal department and does not apply to state court, although the doc clearly says it applies to state and federal government. Midlands attorney did not speak in the trail and the judge soley relied on the documents and asking me questions to give his vertict per the evidence given by Midland I expressed that the documents are hearsey and they are in violation of the consent order between CFPB and Midland but the judge was not interested.
Prior the court they put negative report on my credit and that caused me denial of credit when going through a dental procedure and I suffered for a month before I had to pull an infected tooth. Now l am broke and feel defeated. I have been working 60 hours a week none stop for 5 years and always short and now they have the judgment to go after me to probably embarence me at work and my bank. I don't know what else I can do.
|
| 09/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Midland Credit Management ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Midland Credit Management ), continues its collection efforts, I will file for litigation for actual damages caused and ( Midland Credit Management, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 12/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
MIDLAND FUND ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUND or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUND or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
|
| 08/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midland Funding LLC appears on my credit reports for an account that went into collection. I contacted them to pay the debt and was told they sent the account to a law firm called XXXX XXXX XXXX XXXX and gave the contact info for them. I contacted them and paid the $ XXXX dollars that was owed. I have a letter from XXXX XXXX XXXX XXXX proving I paid in full and owe nothing else. I also received a letter from the Magistrate Court in my area showing the case they filed, but never went to trial, has been dismissed with prejudice meaning they can not attempt to sue me in the future due to the fact that I paid. Now, about a month later, Midland Funding LLC is reporting a debt of {$180.00} referencing the same account number. I called Midland Funding LLC and spoke with a " Mr XXXX '' ( script name for sure ) and asked why are they still reporting an unpaid debt and where did this amount come from? He said its being handled by another dept and attempted to transfer me. After being on hold for about 10 minutes, Mr XXXX came back on and said that dept has left for the day and I should call back the next day before XXXX ; XXXX. I keep getting the runaround from this company. They never attempted to contact me about this {$180.00}, This seems pretty strange to me since I paid in full and have a letter stating such. And I have a letter from the court saying this has been dismissed SINCE I PAID. If Midland Funding LLC feels that I still owe them {$180.00} why dont they send a letter or a bill? No, they just go straight to the credit report. I feel like Midland Funding LLC is attempting to extort money from me they are not owed. They are holding my credit report hostage. Im disputing the debt with the credit bureaus but we all know how that goes. It takes some time. This company does not want people to get out of debt. And in fact they ignore a judges order of dismissal.
|
| 08/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My complaint is with XXXX XXXX XXXX. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company, MIDLAND CREDIT MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
|
| 09/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management , LLC has been harassing me with a fraudulent debt collection since XXXX of XXXX. And since that time up until now they have not complied with my request for verification bearing my signature. They have threatened me with court and I have also notices that on the letter head of every document that they have since mailed to me, the date is always inaccurate in order to make it seem as though they have responded earlier than the required time of 30 days to respond. I have already contacted the federal trade commission.
CFPB, I implore that you help me with this fraudulent company and their erroneous claims, for they are in violation of the Fair Debt Collection Practices Act.
On XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
|
| 03/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ).
We incurred debts when I was XXXX with US military in XX/XX/XXXX, was XXXX discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for XXXX XXXX XXXX, where XXXX transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX, but when requested documentation it was quickly transferred to Midland Credit Management, under MCM acct # XXXX. Midland FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with MCM DISASTER:XXXX/ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX , CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in XXXX hours '' -- that is usually XXXX min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue XXXX/ PII, addresses, DOB and all info passed from US to XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies.
I think that is ABSOLUTE disaster.
On top, seems like Midland Credit Management is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
|
| 03/27/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American, Servicemember |
|
I was in a debt management service in year XX/XX/XXXX. My income level lowered, so I contacted this company ans asked would they contact my creditor and asked for a ( pay off now amount ). This management company told me that I would have to not make payments ( go into default ). When in default the management company said then they could contact this creditor about accepting a lower payoff amount. After I went into default this management company did nothing and left me out of contract with them, and I was left out of good standing with this credit. This is when my debt was sold to a third party debt collector for XXXX dollar. That third party debt collector is the focus of my issue. My credit reports has had this bad report for sixteen years. This one debt has been sold and resold to XXXX to different debt collecting companies and going past the time limit to pursue debt without a court case. In XX/XX/XXXX XXXX of the credit reporting agencies dropped this debt from my credit files. But XXXX just got around to removing this collection agency ( on! XX/XX/XXXX ). Here is what made me angry, this collection agency company wrote me in same mouth that XXXX said this creditor listing had came to the its legal duration. In this delt collector 's letter in XX/XX/XXXX, they said that the law would not allow them to come after me on an old debt like mind but they would continue to report my debt to the XXXX collection agencies. I then contacted XXXX and they said there was nothing bad on my current credit report files ( debt collector lies ). This debt company is bothering me every other mouth with a {$730.00}. bill I can 40 % off. I 'm retirement age and I surely know retirement income is not subject to law suit. I just want this company to go away and the bills in my male box to stop too. This is a very very old bill that went wrong and should be forgotten.
|
| 11/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
My name My name is XXXX XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with XXXX in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that Midland Funding LLC ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of their receipt of this request.
Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft.
Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
Sincerely XXXX XXXX XXXX
|
| 04/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX , I submitted a complaint to the CFPB ( complaint # XXXX ) regarding a debt that I paid in full with Midland. Midland resp onded, however, they are still falsely and negatively reporting this debt and still calling my phone to collect on this paid debt. The debt was PAID IN FULL ( not settled ) for {$600.00} on XXXX . I have reattached my original CFPB complaint and bank statement. To date , Midland is still falsely reporting on all XXXX credit bureaus, which has negatively impacted my credit scores. With XXXX , they are STILL reporting a {$600.00} unpaid open balance owed. With XXXX , they are STILL reporting a {$55.00} unpaid open balance owed. I also received an alert today that for XXXX , they changed the balance owed to {$0.00}, but they are marking it as a SETTLED FOR LESS THAN debt when it was PAID IN FULL. Furthermore, they have NOT dismissed or vacated the judgement with the local courts. The debt was paid -- I was never served papers. I was told by their debt collectors and XXXX XXXX of XXXX XXXX XXXX that they hired that this would be taken care of and that it would be dismissed and not report on the credit bureaus. I used to work as a debt collector with XXXX XXXX an d Midland 's parent company Encore Capital Group and know for a fact that they still call out and use robo-dialers and/or call numbers even after told not to - even after the CFPB came in and sued them back in or around XXXX . What they do is use their out of country offices to skirt the robo-dial laws in the US. The company 's prior response to my original claim denied this -- but I have saved evidence and statements from prior employees that can back up what I am saying. What they are doing is violating the FDCPA and they need to be held accountable. I have paid my debt in full MONTHS ago. I have contacted an attorney.
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received notice of a lawsuit filed by Asset Acceptance for a XXXX XXXX old and paid in full account. I did not have the money to get an attorney so I did everything I could to respond to the court in AZ. The court then reported that they had vacated the case. They stated that neither party showed at the preliminary hearing. We did. I followed up with Midland Credit Management because Asset had turned it over to them. I disputed the debt and I was told that they would take no further action. After a period of time, I got a Motion for Summary Judgement. I again, could not afford an attorney and wrote my Opposition and Motion Against Summary Judgement. When I went to start my car to drive to the Court House and file it my battery was dead. I called to the court clerk who told me that I could file it late but that the Judge would file the Judgement against me.
Asset Acceptance, Midland Credit Management, Encore, and any other names they use had a degree against them by you the CFPB. Almost everything that they were penalized for is things that I found out during my review and arguments against the Judgement. Yet it was filled anyways and they also garnished my checking account in XXXX I believe for {$300.00} because that is all that they were allowed.
I recently received a letter from them threatening to report to The Judgement unless I paid them. I called 4 or 5 different numbers only to be told that they were not the correct party and that they had no information. I have heard nothing further from them.
I am attaching my OMSJ for your review. I feel that the affidavit was Robo signed, they did not have standing, they lied when they told me they would take no further action. Many things. I want this thrown out of court. I did not have the money to appeal it and I still don't. This Debt buyer has done this to a lot of people and it is wrong.
|
| 08/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan.
The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.
|
| 03/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This is my second complaint Against midland with no resolution on account number XXXX. I have pulled my credit reports again due to another alert. Again the midland account has updated a collection as an open collection account on my credit report bringing it current. I 'm beginning to think Midland is now intentionally causing harm to my credit as it has changed numerous of times over the course of the last 8 months. I have disputed and disputed this only to comeback verified as reporting correctly when it 's not reporting correctly. Its showing a payment history up until XX/XX/2016, Showing an updated date of XXXX/XXXX/2016, the account shows open, when in fact it 's not an open collection account.. I am requesting a formal verification of accuracy or have the tradeline completely deleted from my CR.
I believe this is in direct retaliation due to the disputes and the current XXXX Settlement Case No. XXXX XXXX. The FRCA has guidelines in place that if an account is reporting incorrectly that it must be corrected or deleted according to the metro XXXX CRA reporting guidelines. Midland is shifting the blame once again on the CRA 's and I have submitted proof after proof that it is reporting incorrectly and keeps reporting incorrectly. So either midland is intentionally reporting it, or the CRA is intentionally reporting it incorrectly. I am bringing it again to midlands attention and the FCRA that it is in fact reporting incorrectly. and it should be deleted. This screen shot is directly from the dispute page of XXXX. I 'm not disputing it again through XXXX. I need this taken care of ASAP please. I have talked with the CRA 's and they have told me the only way to have it corrected or deleted is by midland doing it. They can not change and or delete the account without the consent of midland. So I 'm bringing it to the CFPB to help with the issue
|
| 09/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT has continued to use unfair debt collection practices. I have proof that you purchased my personal and private information from XXXX XXXX. You have assumed responsibility for this alleged debt. I am requesting documentary evidence pursuant to 15 usc 44. I need my XXXX a document crucial for the Cancellation of Debt for this charged-off/collection account. It is imperative to recognize that under the law, creditors are legally obliged to provide IRS XXXX XXXX when canceling a debt. This form plays an essential role in tax reporting, enabling individuals to accurately report and comprehend the tax implications of debt cancellation. The absence of this form in my case constitutes a severe violation of federal tax regulations.
One of the most troubling violations pertains to the deceptive nature of the letters I have received from MIDLAND CREDIT MANAGEMENT. These letters were sent with logos prominently displayed on the outside of the envelopes, a practice that clearly contravenes established debt collection regulations 15 usc 1692b ( 5 ). Furthermore, the content of these letters contained threatening and obscene language, which is both unlawful and wholly unacceptable. Your company has continued to threaten me with legal action on an alleged debt. I I have meticulously documented these violations and am fully prepared to provide evidence in arbitration proceedings.
Failure to comply with these demands within the specified timeframe of 14 days will leave me with no choice but to take official action by filing IRS Form XXXX : Information Referral and IRS Form XXXX : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. This letter serves as my final attempt at resolution before initiating arbitration proceedings.
|
| 03/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from MCM on XXXX XXXX, XXXX, stating that I had a debt in their office regarding my XXXX Bank account. In XXXX XXXX, I called and spoke to XXXX at extension XXXX, at that time she made me a settlement offer of {$830.00}. I asked before I paid the amount would that close the account? She replied that if I took care of it that day that it would close the account with a zero balance, so I paid that amount that day. As I check my credit report, XXXX XXXX Bank is still showing the balance and a charge off, I have contacted XXXX on numerous accounts regarding this matter with no success. I have disputed this account with all three credit agencies with no success. So today I get an updated credit report on XXXX XXXX, XXXX, and MCM ( Midland Funding ) is reporting a past due balance of {$250.00} ( the amount from the original balance {$1000.00} from the settlement offer of {$810.00} ). When I called MCM I got XXXX different numbers to call as their office did n't handle the case. I finally spoke with XXXX XXXX XXXX XXXX ext. XXXX ) that informed my wife that he would look into and that he would ask for an update. I informed him that I have the bank statement where the monies was paid on that day and that XXXX sent us a letter where the debt was paid in settlement. XXXX informs me that once he receives the update that he will send out additional letter stating that there is a zero balance as well as contact the credit reporting agencies showing that is a zero balance. That is unacceptable as the debt was paid in XXXX XXXX and MCM did not report the debt until XXXX XXXX. I think that it should be removed as it was reported incorrectly. MCM has called family members and neighbors even after the debt was paid in full. MCM has also stated that there are additional debt in their office and I can assure you that they are not my debt.
|
| 07/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Original debtor was XXXX XXXX XXXX XXXX The last payment I was able to make to XXXX XXXX XXXX was of {$50.00} on XX/XX/XXXX. Before the my ex-husband and I became XXXX and lost our house to foreclosure during the economy crisis of XXXX!!!
On XX/XX/XXXX Summons/Notice to appear for pretrial conference was served.
On XX/XX/XXXX, Asset Acceptance , LLC filed a judgement for {$4800.00} On XX/XX/XXXX the above judgement was " Deleted '' from my credit report.
On Friday XX/XX/XXXX ( 10 years from my last payment to XXXX XXXX XXXX XXXX ). I received an " Unofficial '' ( Continuing writ of garnishment against salary or wages from Asset Acceptance , LLC. ) for the amount of {$5200.00} On Friday XX/XX/XXXX I received a letter from my employer because " Asset Acceptance , LLC served them without my authorization. My employer provided a letter to me saying that {$320.00} will be withheld beginning XX/XX/XXXX per pay period which is bi-weekly. I am a head of household with XXXX minor children who are my responsibility to support. The amount the debt collection agency wants to collect from my paychecks is absurd and at no given time have I acknowledged anything with them. Plus 10 years have passed since I last made a payment to XXXX XXXX XXXX. and 6 years have passed since Asset Acceptance , LLC filed the judgement that has been removed from my credit since XX/XX/XXXX. I also currently have a XXXX plus debt in student loans that I am responsible for to whom I only pay {$100.00} a month because of my household size and income. Thank you for your time and understanding. What Asset Acceptance , LLC wants to do will cause great hardship to my family of XXXX. Since I am the head of household and only adult in the home. Plus this violates the statute of limitations in the state of Florida which is 5 years. All of the above is XXXX years old and older.
|
| 01/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court.
XX/XX/XXXX, Midland Funding , LLC attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the Midland. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments.
On XX/XX/XXXX, XXXX contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XX/XX/XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years.
They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a nurse for over fifteen years, and I am a pretty great nurse. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.
|
| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving phone calls from Midland Funding LLC/Midland Credit Management almost daily since XXXX. The first call occurred on XX/XX/XXXX at XXXX XXXX from the number XXXX ( XXXX ) XXXX, which called again on XX/XX/XXXX. Over the past two months, the other numbers potentially belonging to this company ( or being spoofed by it ) that have called me include : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX All of these numbers leave messages that are either empty air, no one speaking but background noise that sounds like an office, or static and one person saying " XXXX '' then hanging up. There is never any information about who is calling, why they are calling, or how I can get in contact. My name is also not XXXX, and I have not co-signed on any loans or other financial agreements for anyone named XXXX. My credit history shows no sign of tampering or fraud and I know exactly who I owe money to and why, and Midland does not own any of my debt ( I've never gone into default or bankruptcy and carry a small debt load ).
In XX/XX/XXXX I started getting text messages for someone named XXXX XXXX from what seemed to be payday loan companies. Those texts continued through this XX/XX/XXXX, and I logged each of them with my phone company ( XXXX ) as spam. The texts did not come from identifiable phone numbers.
I've blocked the numbers listed above, but before I did so I attempted to call back and speak with a representative of the company to let them know they had the wrong person 's number. The phone calls dropped immediately and I wasn't able to contact anyone.
Midland seems to be rotating through numbers in order to get around any blocks. The same number will call every other day for a week or so to leave messages for XXXX, then a new number will call leaving the same messages.
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has two accounts posted to my credit report stating they were opened in XXXX, they didn't even show up on my credit report till XXXX though & are definitely purchased old debts that are closed, ( as seen on my reports ) & over 7 years old or more. They are far too old to be on my credit report. The company itself has not reached out to me personally, ( in fact, I wouldn't have known about it if it wasn't for self-credit monitoring ). However, just as with the previous company I reached out to you about, reporting it for dispute with the credit companies, failed. The fact that they have reported it as in their possession for 4 years without payment, even though we never spoke, much less agreed on payments, is just dragging my credit down BAD. I've worked extremely hard to repair it, ( as I believe my recent, factual history shows ), what this company & others like it are doing is just immoral. The first they are reporting is from ; Original creditor : XXXX XXXX XXXX The Second is from ; Original creditor : XXXX XXXX
Which brings me to another issue, a second company, MIDLAND FUNDING is also falsely reporting an old debt as opened in XXXX, ( Never received anything from them either ). They are doing the same as the company I mentioned first, lying about the date the account was opened, lying about missing payments & reporting to the three major credit bureaus every month since XX/XX/XXXX. Yet, I've never spoken to anyone! This company also claims to have the same original creditor : XXXX XXXX but with a slightly, VERY slightly different balance.
So, to review, company one is, Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number : ( XXXX ) XXXX Company two is, Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX
|
| 02/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Midland Funding LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To : XXXXXXXX XXXX XXXX AND Midland Credit Management , Inc . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX
|
| 03/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive multiple calls a day from this credit collection company, from the same person, everyday. I have spoken to this credit collector once for over 35 minutes a couple weeks ago and specifically told them not to call me between the hours of XXXX due to my work hours. I advised them that I am not able to make good on this debt at the moment due to lack of funds caused by unfortunate circumstances. I had to repeat myself over and over letting the credit collector know I needed to get off the phone and they continued to talk and then a supervisor butted into the conversation. They continued to talk for another 15 minutes badgering me and asking me why I can't make arrangements to pay the debt then and the supervisor states promises don't mean anything and are just words. I politely said, I already explained to you why I can't pay right now and I am hanging up now. I did ask them to call me back on the XXXX to possibly make some sort of arrangement if I could. I couldn't make any arrangements on the XXXX because I still didn't have funds, so I didn't answer the phone in fear that they would keep me on the phone for another 30-40 minutes and ask me the same questions over and over as they did weeks ago. They are not respecting my wishes to only contact me after XXXX and now the same credit collector called my place of employment this morning XX/XX/21 at XXXX. This is becoming intrusive to my life and because this is a personal matter, they should not be calling my place of employment. I will refuse their calls if they can't respect my wishes not to contact me multiple times a day and especially calling my place of employment. I understand the credit collector has a job to do but this is wrong and I will make good on my debt when I am financially able to, calling me multiple times a day is not going to get them paid any faster.
|
| 02/28/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midland MCM collection Agency illegally put me in collections over a XXXX secured credit card that I had taken care of and I them and MIDLAND and XXXX several times over last few years and at MIDLAND and XXXX refused to even show me proof of debt, or acknowledge me. After many many many attempts of contacting XXXX as well to remove both companies, XXXX finally sent a strong letter to MIDLAND and XXXX, and they removed themselves. I am enclosing two letters here from MIDLAND, one in XX/XX/XXXX where they told me they refused to help me, and one in XX/XX/XXXX where they finally conceded. I have contacted both companies through consumerfinance.gov. This is unresolved and until it is resolved to my satisfaction, it remains an illegal crime of FCRA regulations broken as well as causing severe damage to my credit impacting my financial life and livilhood. XXXX sent me a letter recently and in it they proceed to state that I canceled my XXXX card near end of XX/XX/XXXX, when I actually did i XX/XX/XXXX due to a mistake XXXX made in a payment process, I have a witness to this, but also XXXX and MIDLAND should be ashamed of themselves and should be fined by the FTC for I had a XXXX secured card, and I had a {$200.00} deposit. When I canceled the card, I owed nothing, but even if I did, XXXX kept my card open for well over 6 months charging outrageous fees and interest rates and MIDLAND in taking this debt from a creditor who not only put a false claim in general, but hiked up a {$300.00} secured credit card with a {$200.00} deposit, and claimed I owed over {$900.00}. Both companies should be ashamed of themselves. It is my right to get paid for their crimes and I will not rest until it is done, as I went out of my way for a long time to work with them and let them know they were wrong, but they refused to even acknowledge I was alive.
|
| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you.
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
|
| 12/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account is in litigation and has already been paid. The company Midland Credit Management purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692a ( 1 ) states the term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus when there is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933 XXXX enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
|
| 11/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Funding is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XXXX is reporting XX/XX/XXXX.
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
XXXX is reporting a balanced owed as {$890.00}, XXXX is reporting {$890.00} and XXXX is reporting {$820.00} Midland is also reporting a past due balance of XXXX on my XXXX report. On a collection account, a collection company can not report a past due balance that is an violation.
Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation.
|
| 03/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Filed a written account dispute claim with XXXX that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX Visa/Midland Funding, LLC debt collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from XXXX and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with XXXX to see what the results, if any, had been provided. According to the XXXX dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, XXXX, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect XXXX, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Midland Credit Management had been sending me correspondence for a year to collect a debt. I would call the company when contacted and try to work with the company to resolve the debt. The company was disinterested in resolving the debt each time I called the company. Ultimately, the company proceeded to send a claim to court, despite my ongoing attempts to resolve the debt. I called the company on XX/XX/2021 and the debt was ultimately settled for an amount of {$950.00}. A contract was signed to resolve the matter finally, between both parties. The following Monday and next business day after the claim was settled, Midland Credit Management proceeded to report to all credit bureau agencies false information, regarding an outstanding debt to their company from me, for an amount of approximately {$1500.00}. I proceeded to call the company 's lawyers to understand why this information was reported inaccurately to all credit companies when the matter had been resolved the week before ; additionally, the debt had never been reported to credit bureau agencies, as my records will attest, until the after the claim was settled, the week of XX/XX/2021. Ultimately, I called the lawyers of the company and the company itself to receive clarification for the false representation of the claim for a debt that had been settled, but I have been redirected 3 times to various phone numbers of the company which all led me back to the company 's lawyers once again. The company 's lawyers refuse to answer my phone calls and send me directly to message and I still have obtained no clarification, as to why a claim that has been settled out of court and has been negotiated for a year, is now being reported as outstanding from this week onward, when it was resolved the week before and is thus being falsely represented to credit bureau agencies.
|
| 04/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received court forms in regards to a credit card debt from XXXX. The court forms were signed off by the XXXX XXXX Sheriff 's Office, Sheriff 's Civil Bureau. My social security number was hand written in on the forms next to the wrong address. I first spoke with a representative from Midland Funding LLC regarding this whole matter that I was unaware of and also the fact that my social security number was written in on the forms and by law they should not have written any of my personal information on anything in any form. The representative stated they could do that in a court form. I responded by stating they could not do such and it is not normal practice to write a social security number on any form especially court forms. I indicated that I am out of work due to the virus and that the forms I received state a payment plan could be worked out even though this is a 12 year old debt and past the seven year rule. The representative then stated that the sheriff 's department was the one that wrote my social security number on the forms. She also stated they could take all of the amount ( XXXX ) and that no plan would be worked out. There are so many issues with the handling of this 12 year old matter. We are in a crisis as a nation and a company such as Midland is able to do whatever they want and also be irresponsible and give out my social security number just because they don't care other than receiving money that they shouldn't even receive. They found my correct employer yet they couldn't find my correct address. My address is linked to my employer. These companies seem to get away with what they want and no one puts a stop to them. The judgment was entered in the court on XX/XX/XXXX. I was unaware of anything pertaining to this matter especially since they were not mailing any information to my correct address.
|
| 10/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.
|
| 09/16/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account # 's XXXX, XXXX, XXXX, and XXXXMidland Funding is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland Funding with supporting documentation and did not receive any response that addressed my concern, about the frivolous and inaccurate reporting of these debt collection accounts.
A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). Midland Funding is not my Creditor. I attached copies of credit reports directly from the Consumer Reporting Agency to substantiate where Midland did insert multiple credit to trade lines into my credit reports. This reporting is intentional and erroneous and serves to further damage my credit by providing false information.
Midland - can not extend credit - and CAN NOT be a RETAIL credit grantor. These accounts are inserted into my credit record, as a Credit Grantor - and should not be.
Midland 's blatant disregard for the FDCPA is intentional and should not be allowed. This is not a one-time instance however but a continuing practice of Midland Funding to systematically oppress those already disenfranchised.
Midland is in violation of FDCPA 807. False or misleading representations [ 15 USC 1692e ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Knowingly reporting information as a creditor is a misrepresentation.
Midland places the blame on the XXXX XXXX file that they send to the Consumer Reporting Agencies, however the Credit Reporting agencies confirmed after an investigation that it is in fact the information that is transmitted to them from the debt collection agency.
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. Also, they failed to do their due diligence when my account was verified to make sure that everything is accurate across all the credit bureaus. If there are different dates for anything then how is the information considered as accurate and the account verified? In the letter presented to me it was stated that the account was opened on XX/XX/XXXX. But it was reported to XXXX and XXXX that the account was opened on XX/XX/XXXX, how is that accurate? Thats 27 days before you stated that you opened the account? That is again against the FDCPA. Thats completely wrong and against my consumer rights. If the account was verified correctly then this would have been caught and noted as an issue.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I recently moved back to the XXXX XXXX on XX/XX/XXXX, after living in XXXX for over XXXX XXXX. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is XXXX XXXX XXXX which already had transferred that account to Midland Credit Management for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from Midland Credit Management on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account.
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to XXXX XXXX XXXX, and the representative from XXXX suggested I report this issue to this official site.
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home XXXX and my dream to purchase my future. I do not want to think that this could happen again to me or no one.
Yours Sincerely, XXXX XXXX XXXX
|
| 03/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I have never been a big credit card person. I have had 4 or 5 my whole life other than pre-paid. Each time it was for $ XXXX {$400.00}. I never made out and just had problems with the credit cards. My last one ( XXXX XXXX XXXX XXXX XXXX XXXX who sold it at least a couple times. Midland Fund has had it since XXXX XXXX. Midland Fund had the Sheriff come out at least 3 times about once a year. Each time I took the paper notice from him and never went to court. I was XXXX from a damaged XXXX and could not get out of bed very much from XXXX. Midland Fund has had it for awhile and never tried to contact in the past two years. I have tried to contact Midland twice once very hard as I was able to pay it off as it started at {$200.00} and is now {$850.00}. The second time I told them even though I did not agree was going in for a XXXX XXXX and may not live through it and would like to pay off the bill with a slight deduction since I am going out of my way when I may die. I either never heard from them or literally got a message the day I had to go in for transplant. ( it is all hazy around then and i think Midland did not say anything good anyway if they called which i doubt ). I am a year in from a XXXX XXXX I get {$530.00} a month from SSI and help from my Mother. I have explained this and it means nothing. I just saw a had a hard inquiry from XXXX on XX/XX/XXXX 14 days before i went for XXXX and long after i contacted Midland. I have never been in a XXXX 's in person or online. If that means I tried to get a XXXX XXXX on XX/XX/XXXX when i was about dead it is a total scam and that alone should be enough to end this if nothing else. I am buying fishing poles, weights, and whatever else XXXX sells when i can barely walk up my stairs. I can show the documents from my credit score if need be. Thank You Very Much, XXXX XXXX
|
| 09/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX, I mailed a certified letter to Midland Funding, LLC, requesting debt validation for a collection reporting on my credit report they allege that I owe. I disputed this thru the credit agencies ( XXXX, XXXX and XXXX ), several times and they advised the account was verified. I then emailed the bureaus to request their method of verification and to provide the proof. It has never been provided.
Midland Funding advised the credit agencies above that the debt is verified. So why have they not responded to me yet with the requested information for debt validation? And, they are continuing to report it on my credit report. This is a violation of my consumer rights- both my FCRA and FDCPA rights ( failing to validate a debt at my request and continuing to report a disputed debt ). They have not responded as of XX/XX/XXXX.
Initially, when I began disputing the account, the balance reported was {$1500.00}, now it's {$1500.00}. Between, XXXX and XXXX, it went from {$1500.00} to {$1500.00} to XXXX ( which is the high credit ) and now it says {$1500.00}. How did the balance change? How can the balance be more than the high credit- this is inaccurate reporting. The law states that the data must be entirely accurate or it must be removed.
Beyond all the reasons above of this alleged collection.. the following are inaccurate, misleading and being reported a multitude of ways which is also a violation...
They are reporting Number of months terms to XXXX.
The last date active is reporting differently for all three credit agencies.
The payment history is reporting current with XXXX and collection with XXXX and nothing reporting with XXXX.
How much more needs to be inaccurate for me to be taken seriously and these to be removed?
This is damaging my character and causing me to be denied from obtaining credit.
|
| 04/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account.
Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX.
I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter.
I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX.
I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?
|
| 02/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Midland Credit Management Inc FAX # ( XXXX ) XXXX XXXX : account # XXXX OR XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft.
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Midland Credit Management Inc that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX XXXX D.O.B : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX As much as a year ago Midland Credit Management ( MCM ) contacted me by telephone attempting to collect an amount owed in connection with XXXX XXXX/XXXX XXXX. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail.
On XX/XX/XXXX, I received a collection document from MCM ( account number XXXX ) identifying the purported creditor ( XXXX XXXX-XXXX XXXX ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, Tennessee, XXXX and forwarded to me at a temporary address in New York.
That same day, I responded to MCM ( letter attached ) categorically denying the obligation to be mine and requested MCM send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials.
On XX/XX/XXXX, I received a collection document from MCM offering to discount the amount owed if paid in full. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
On XX/XX/XXXX, I received collection document from MCM and none of the requested materials. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
Today, XX/XX/XXXX, I received a collection document from MCM and none of the requested materials. Today, XX/XX/XXXX, I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
|
| 03/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/XXXX Case Number : XXXX I am filing a complaint against XXXX XXXX XXXX. This company bought a debt that I had with XXXX XXXX in XX/XX/XXXX of XXXX. Later in XXXX I started receiving phone calls from XXXX XXXX in XXXX about this debt. The XXXX XXXX employees in XXXX asked me for my credit card number to pay the debt. I didn't want to give them my credit card number and wasn't convinced that this debt belonged to me. The default date of the last payment on this account was XX/XX/XXXX. In and around XXXX of XXXX. I began receiving calls from this Company MCM in XXXX, they would call me several times during the week and ask me if I would pay this debt, I ask them where I was calling, and they said XXXX. I replied where am I calling where again he said XXXX, I stopped to think about what he just said, and I said back XXXX, and you want me to give you my Credit Card I don't think so. This went on for several mouths and a couple of years. I told them No, send me a bill, they called me in or around XXXX of XXXX I told them my situation they said ok XXXX XXXX they asked me about my Law suit I said I could not talk about it, I'll know more in a year, I never heard back until I called them in XX/XX/XXXX, since then I have found them to be dishonest in my findings. I talk to Attorney XXXX XXXX on XX/XX/XXXX, I told him that statute of limitations has ran out. He said NO, on XX/XX/XXXX he said I made a payment and I said NO, I did NOT. This account has been closed for over 8 years or more. We checked our checking account, NO records found to XXXX in our checking account stating from XX/XX/XXXX. He made this up, so the status would be affective when earlier I mentioned the default date and last payment was made on XX/XX/XXXX. There is much more to be said about their Law practice, more can be given to you upon request.
|
| 08/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I recently discovered that I have XXXX liens on my property. XXXX liens were placed in XXXX 2014. The liens only show up on my husbands credit report. This came to light when I was unable to proceed with refinancing our home. We jointly own XXXX pieces of property the majority of which is farmland.
Apparently my husband was served on XXXX of his breaks home. He is usually XXXX. He did not appear in court and judgments were issued against him BUT the judgments are actually against both of us. The debt in question was unsecured credit card debt that was solely in his name. The creditor in this case is a 3rd party debt buyer who is currently involved in several class action lawsuits as are the XXXX parent companies. Asset Acceptance Capital Corp. was able to get the judgments that resulted in the liens. The XXXX parent companies are Encore & Midland.
I would like to know if its legal for them to put a lien against property I have interest in when I was n't a party to the debt or the judgement?
I would also like to know if they are in any way violating the Fair Debt Collection Practices Act in this case?
I feel I am an injured party because its my understanding that the judgments will last 21 years.
I have a XXXX mortgage, a HELOC that came due in XXXX. It was always my plan to roll the XXXX & XXXX together and I started that process about 6 weeks before and this is when the issue of the liens came up.
I could n't answer any questions about the liens as they came as a total surprise to me. The liens are causing me a hardship in that my mortgage has doubled and I 'm afraid we are likely to fall behind. My insurance has already doubled. I ca n't refinance the home and I ca n't sell any of my other properties. Asset Acceptance has way more in assets tied up for me than the debt that is owed and its not my debt.
|
| 08/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Complaint against Midland Funding 1. On XX/XX/2019 I was officially served a complaint for debt incurred and unpaid by a process server from XXXX/XXXX, XXXX representing Midland Funding LLC.
2. On XX/XX/2019 I sent in a formal request for debt validation 3. On XXXX I received a letter from XXXX XXXX, XXXX that contained a cover letter addressed to me that stated We acknowledge receipt of your validation request. Enclosed is our response. The enclosed documents did not contain any form of debt validation but another cover letter for another consumer not associated with me at all and an affidavit of fraud. Its clear that my information and hers were mixed up and my debt validation letter and personal private information was sent to the 3rd party without my consent.
I have no recollection of this debt and my attempt to obtain more information about it only led to personal and private information being leaked. Due to this unfortunate and harmful incident, I did not contact the law firm out of fear of incompetent attention to detail by midland funding and their representation leading to further harm to my reputation.
Midland Funding and representation has violated both the fair debt collection practice act and Maine State Fair Debt Collection Practices Act Chapter 109-A 11012 # 3 Communication with 3rd parties which states Without prior consent of the consumer given directly to the debt collector, or the express permission of a court competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector shall not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorneys, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor or the attorney of the debt collector.
|
| 10/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent Midland a dispute letter regarding the above account that you sent me a settlement letter for. In my letter I advised you that this was a dispute notice & that I have never had an account with your company-Midland Credit Management or your XXXX Bank. I also advised you that I never applied or had a XXXX XXXX card.
On XXXX/XXXX/XXXX, I received a response letter from XXXX XXXX, XXXX XXXX. The letter was undated & it failed to acknowledge any receipt of my dispute letter that was sent and received certified mail thru XXXX # XXXX XXXX XXXX XXXX XXXX. However, instead XXXX XXXX 's letter only stated XXXX 's new policy that was effective : XXXX XXXX, XXXX. At the bottom of XXXX XXXX 's letter, he then went on to state, This account XXXX still be reported on your credit as unpaid. I am not too sure if my simple letter was mis-comprehended, so I have re-sent a copy of it again with another dispute letter. In regards to XXXX 's statement, this can not still be reported on my credit when I have never had, opened, or obtained this account with XXXX XXXX XXXX XXXX. At any rate, even though XXXX 's response time limit expired & failed to be a DEBT validation, he should have sent me a debt validation. However, I know it is impossible Midland can furnish a DEBT VALIDATION because I have never applied for a XXXX XXXX credit card with XXXX XXXX! As a result, I am re-contacted the FTC, and I will continue to dispute this until it is handled CORRECTLY!! How is XXXX XXXX a XXXX at Midland Credit and he is not wise enough to acknowledge disputes or send debt validations in response to a dispute, sending me a general letter after I have sent XXXX a certified dispute will not be accepted. I have mailed CFPB a copy of his letter along with a copy of my original dispute letter to demonstrate his ignorance in the FDCPA & FTC.
|
| 08/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX I received a letter for Midland Credit Management inc . They were identifying themselves as the new owner of an account that is no longer in debt at the original creditor. They are charging me {$640.00} from credit XXXX bank account. Account number at MCM is XXXX. As soon as I received the letter I call them at XXXX. I 'm pretty sure that they can confirm this via their call recordings. The first representative was not avail to provide me any information as of why I owe this account to them. When I repeatedly ask him why he could n't provide me any information he said to call again later. After he got tired of me asking why he could't provide me any information and me asking to speak to a US representative that speaks english since I thought that was n't understanding what I was telling him he hang up on me.
I called a second time and explain that a previous representative had hang up on me the new representative started to laugh at me. When I ask him what was so funny he laugh again and said that it was n't about me. I ask for manager and he send me again to the main number to get another representative.
For their poor collection tactics I have open this complaint with the XXXX and also with The Consumer Financial Protection Bureau.
With all of this being said, I require that Midland Credit Management Inc provides me with detailed information that validates this debt as correct. That includes sending me detailed statements about the amount owe, verification from the original creditor that shows that I still owe this debt, Signed contracts or agreements between me and the original creditor. If they can not provide me with all of this information, I require that they stop all collections attempt to myself and to do not report this debt to any of the XXXX credit bureaus ( XXXX, XXXX, XXXX ).
|
| 04/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX.
Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX.
Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request.
I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me.
But to my surprise it was still reporting a negative account that it could not prove in court.
In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies.
Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.
|
| 12/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My bank account was served with a levy from the debt collector Midland funding from a judgment that was issued in XXXX of XXXX they went back to court and submitted this writ dated XX/XX/XXXX of this year I submitted a motion I did not get a chance to file the questions to be answered because I was never served with this I would have definitely called and got it.
This company didn't do the right stuff they supposedly sent it to me wrong address I've not been there for over 2 years they submitted this to the wrong bank because the bank is no longer in existence documents are not correct Bank should have never taken them.
I received a motion from the judge that I can't reach out to the from the judge that I can't reach out to the from the judge that I can't reach out to the company from the judge that I can't reach out to the company to from the judge that I can't reach out to the company to work from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a payment arrangement and the company refuses to do that if the original judgment was issued in XXXX and I'm just now getting this in XXXX My question is what are the rules and laws of them notifying me within the four years of the original judgment it's not on my credit report it's nowhere out there as a public notification to know that it's out there that I need to get it taken care of I told the lady don't you think people 's lives change him 4 years.
They were rude they refused to get me a manager I just wanted someone to work with me and reverse this I offered to pay {$500.00} at the release of my money and set up the rest on a payment arrangement monthly and they didn't want to do that they stated it's too late.
|
| 05/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have submitted XXXX disputes to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA-XXXX, ( XXXX ) XXXX ) XX/XX/XXXX. XXXX was in XX/XX/XXXX for a collection account on my report that i could not validate. I sent them a letter requesting the information about the account to investigate. I received no response. I sent a follow up letter on XX/XX/XXXX again requesting information, i again received no response. XXXX reported that Midland had stated they verified they debt, yet have had zero contact with myself, sent me zero notices and refuse to provide how they verified this debt and that they own it. The bank they state their collecting on behalf of closed XX/XX/XXXX XXXX XXXX XXXX ). I previously had XXXX credit cards fraudulently opened at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ; I spoke with them over several months XX/XX/XXXX and they investigated, AND removed all XXXX accounts due to their internal investigation results. I have XXXX debt owed to XXXX Bank, but Midland placed on my report that i had a charge off XX/XX/XXXX -- 2 years AFTER this bank closed. They reported on my report that my Date of First Delinquency was XX/XX/XXXX -- which is odd because there have been no active XXXX Bank accounts since XXXX when sold to XXXX XXXX. It 's also inaccurate because a collection agency ca n't open an account XX/XX/XXXX if that consumer did n't become delinquent until XX/XX/XXXX -- their info is not accurate and they are unable to validate this item. They have refused to send any supporting information and are reporting inaccurate and false data to my XXXX, XXXX and XXXX credit reports. Due to Midlands lack of response and inability to provide any info about this debt, supporting it belongs to me, or any correspondence, I 'd like it removed from my credit report per FDCPA guidelines.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
|
| 11/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I sent a debt validation letter to Midland Credit Management. Requesting Written verification of the amount of the alleged debt, including a detailed account of any interest or fees charged ; The name and contact information of the original creditor ; Proof that your agency is licensed to collect debts in North Carolina ; A complete payment history for the account, including dates and amounts of all transactions ; and Copies of any documents demonstrating that I agreed to the terms and conditions of the original contract, including the signed agreement. I also requested that the company only contact me in writing from that day forward.
On XX/XX/23 I sent a failure to validate letter. This is an expert from said letter " As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/23.
Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA, and the FCRA.
I must remind you that any attempt to collect this debt without validating it violates the FDCPA. I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report law violations to my State Attorney General, the Federal Trade Commission, and XXXX XXXX XXXX XXXX XXXX. '' On XX/XX/23 I received a threatening letter from Midland. The letter stated that if payment was not received by XX/XX/23 they may forward my account to an attorney for litigation. This violates the FDCPA and NC statute XXXX.
|
| 08/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Midland Credit Management? I have never done business with Midland Credit Management.
I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another.
I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area.
The following accounts should not be listed on my credit file remove these accounts 1.Midland Credit Management {$1100.00} 2.Midland Credit Management {$330.00} 3.Midland Credit Management {$560.00} 4.Midland Credit Management {$1400.00} I have attached my legal FTC Form, as well as my document from XXXX Security Breach. Please send me a notice that this account has been removed. I can be reached at the following address listed above or the email : XXXX XXXX
|
| 04/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First I want to say thank you for reading my complaint.
I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an affidavit requesting documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on Debts without validating or even owning the debt. Placing this debt on my credit report.
I found the CFPB filing against this same Collection company in XX/XX/2015 File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC are not validating dispute or sending any documents to show they own the debt or Validation of debt.
Midland Credit Management is sending out generic letters informing there are changes to their credit reporting debts. In addition, this debt we will not be removed from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that proves they are the owner of the debt or even validate the debt.
I sent MCM an affidavit to establish the ownership and validate the debt. They sent back this generic letter they are sending out to multiple people and I have proof. I have a friend that received the same letter. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are the owner of this debt and verify this is my Debt.
Thank you please make them abide by the provision from the case XXXX XX/XX/2015.
|
| 08/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Situation : I have has XXXX of XXXX accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted XXXX on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then XXXX will collections called me, I explained the situation they noted the account. Then they sold the debt to Midland funding, who seems to be very aggressive. Tried to sue me for all the accounts from XXXX. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland funding started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then Midland places to other bureaus. Then I need to complain there and get it removed. Midland Funding is like XXXX, once one portion is fixed - another portion gets reinfected.
Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw Midland only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option?
Keep in mind the XXXX that they are actively reporting after 6 months of re-investigation with no results:1 ) Balance was positive XXXX ) Charges were XXXX ) In the end i was owning XXXX XXXX ) Midland reports and demands for {$2500.00}
|
| 05/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX sinceXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part.
|
| 01/03/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX is continuing to sue people in new jersey.
XXXX Plaintiff : MIDLAND Funding LLC / XXXX XXXX XXXX Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party.
Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
The credit card company has already been paid by insurance for the charged off debt. The companies like midland funding llc is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble.
1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time.
3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time.
The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and Court deems just and proper.
This is fraud and needs to stop. Please help.
XXXX XXXX XXXX XXXX XXXX
|
| 08/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
To my complete surprise, I was recently contacted concerning a charged off credit card debt, purportedly opened by myself of which I have absolutely no knowledge, by a debt buyer Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. When I adamantly advised the collection agent of the fact that I had no knowledge of this debt whatsoever, she began to imply, although she did not directly say it, that I either I was lying to her or that I had knowledge of some kind concerning this debt. She did so in a way that I considered to be judgmental and demeaning to my character. Additionally, throughout the entire conversation, she spoke to me in a menacing and condescending tone, berating me with a litany of veiled threats and scare tactics. I am personally no expert on the fair debt collection practices act ; I do however feel harassed and slandered. Furthermore, although your drop down menu only allows me XXXX option to summarize my complaint, I also feel that they are guilty of false or misleading written statements because on the bottom of their letter there is a disclaimer or advisory that says to begin with " This account may still be reported on your credit report as unpaid. '' It continues with, " We will not report your debt to the credit bureaus if you set up a payment plan, make a payment by XX/XX/2015 and make all payments as agreed. '' However, I know for a fact that as of XXXX XXXX, 2015, there were no charged off trades " still reported on my credit report as unpaid '' ; yet, as of XXXX XXXX, 2015, after having the letter from MCM Inc. on XXXX XXXX, 2015, a credit check revealed the charged off trade. This leaves me with no other conclusion than that MCM Inc. reported this to my bureau, and therefore, misrepresented themselves in their letter as described above.
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Midland 's Funding continues to violate my consumer rights and is attempting identity fraud by using my information. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. PURSUANT TO : 15 USC 1692c I am invoking my specified remedy as a consumer, and the original creditor I am also demanding deletion from all consumer reports and request confirmation of this remedy in writing within 15 days.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Let this complaint serve as notification that I do not wish to be contacted about this debt that does not belong to me. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. This included furnishing unvalidated data to the consumer reporting agencies.
Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, CFPB, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX
|
| 08/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
See CFPB Case XXXX. I could not log in. I received letters from XXXX but still no evidence to establish how the accounts were opened and for what. They state that on XX/XX/2017, an XXXX store card credit application was submitted, and that the store card account was used for the XXXX membership. The prime membership is {$90.00} a year. I did not apply for a XXXX card through XXXX and the amount ( s ) charged do not comport with the amount of an XXXX XXXX membership.
As for the XXXX card, XXXX states an application was submitted on XX/XX/2017, with name, verified address, telephone number, and other personal information, and activated XX/XX/2017, from " my '' telephone number. They do not give the telephone number, nor do they give the " verified '' address, etc. I at least need to know what telephone numbers were called, to and from, in order to activate the card. I also need to know what numbers, to and from, were used to make the {$72.00} payment using my business account debit card. I can verify whether or not the phone number ( s ) called from was mine and, if so, check XXXX records ( yes, I have those records ). I also want a copy of the credit application. In addition, was it an online application or a written application? As I stated before, my next door neighbor had his kids stealing our mail and the account was opened, apparently, using my home address, which I never used because of ongoing mail theft. Additionally, XXXX states I received the benefit of the items purchased, items that I had absolutely no interest in, did not purchase, and would never have purchased. Finally, XXXX referred me again to Midland Funding, which is only interested in collecting from me, the victim of this ID theft, the fraudulent charges.
Looks like XXXX doesn't know how to do a real investigation.
|
| 06/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent certified mail a letter to Midland Credit Management asking them to validate debt and to sent additional information I requested in my letter 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Any Judgments obtained by any creditor regarding this account. 5. Name and address of alleged creditor. 6. Name on file of alleged debtor. 7. Alleged account number. 8. Address on file for alleged debtor. 9. Amount of alleged debt. 10. Date this alleged debt became payable. 11. Date of original charge off or delinquency. 12. Verification that this debt was assigned or sold to collector. 13. Complete accounting of alleged debt. 14. Commission for debt collector if collection efforts are successful. On XX/XX/XXXX I received a response stating they have their account notes and found their information to be correct. They have failed to validate this debt under the FDCPA and are reporting false information to all three credit reporting agencies. They claim this debt was sold to them on XX/XX/XXXX but according to my credit report they are reporting it was placed for collection XX/XX/XXXX. Even their reporting dates are incorrect. On XX/XX/XXXX I sent them certified maill a letter notice of their failure to validate debt. You have not provided a signed contract showing my liability by corresponding my Social Security with my signature. They have not shown me the agreement with their client ( XXXX XXXX ) that grants them the authority to collect on this alleged debt. They have yet to respond to that letter. They are reporting to all three credit reporting agencies.
|
| 03/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Original creditor : XXXX XXXX XXXX : XXXX XXXX I had a XXXX account in XX/XX/XXXXwith a credit limit of {$200.00}. The account was used to buy one item, then paid in full and closed by XXXX ( due to extended inactivity ). There is no balance or debt owed whatsoever.
In XX/XX/XXXX, I ran my credit and found out that XXXX has reported my account as paid and closed. This is all reported correctly on my credit report.
At the same time ( XX/XX/XXXX ) I also found that XXXX has reported the same account as owing {$580.00}. My original credit limit was only {$200.00} and already reported as paid in full and closed. I, in NO way owe XXXX ANY money, let alone a random amount of {$580.00}.
I called XXXX 3 times ( XX/XX/XXXX ) and was told every time I called that they will not provide anything to me regarding the collection debt, where it came from, what it is for etc. The also verified that the account I did have is paid in full and closed. They said I had to contact the collection agency ( XXXX XXXX ) to obtain proof of debt. I have called XXXX XXXX, at the same time I contacted XXXX ( XXXX XXXX XXXX XXXX ) and was told that they will not provide anything in writing to me regarding proof of debt. They did however say if I paid the debt in full, or settled the debt with them, they would send a letter saying the debt was satisfied.
I can not get any assistance in this matter. Neither company will send me proof of any debt they reported I owe, nor will they acknowledge the fact that the same account is claimed twice on my credit report ( One reported as paid/closed and the other is closed/owe {$580.00} ). I want this taken off my report and/or proof of debt sent to me detailing what/where/how this balance is {$580.00}. I also need full account numbers as I have proof of paid in full account.
|
| 11/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midland credit management had gotten an account to a credit card that was closed, when MCM contacted me they told me if i didnt set up a payment agreement with them they would take me to court, take my home or my wifes car if i lost in court to pay the debt, i set up a payment agreement for {$50.00} a month until paid in full was informed that if I canceled the agreement they would claim the full amount from my bank account and if they could not get the full amount from my bank account they would take me to court, i filed a complaint with CFPB due to them reporting missed payments but not payments made, their responce to the complaint was to stop the pay agreement, they refused to answer any calls i made to them for over a month, during the time of 30 days they had reported missed payments to XXXX and reported collection to XXXX XXXX XXXX has already removed this account from my report because MCM lied on the report, reporting missed payments the whole time, i sent screenshots of my bank account and letters MCM sent me showing payments made ( i still have the proof ) now the MCM has stopped the pay agreement as their responce for me filing a complaint with CFPB this is retaliation as they are damaging my report even worse then before! All i wanted was for them to report payments made as even though they was reporting the balance it was not explaining how payments was being made, i have been denied all forms of credit because of what they have done, they even lied to me on the phone saying they can not remove it from my credit report as they " didnt put it there '' so i know for a fact everything they are saying is a lie, so for this Retaliation, falure to accept payment, falsly reporting to credit bureaus and deception practices, i want them to remove this account from my credit report.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18,
imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I first received a letter from XXXX XXXX which listed itself as a subsidiary of XXXX XXXX XXXXt. The letter was datedXX/XX/XXXX and I received it XXXX/XXXX/XXXX. The letter stated they just acquired a debt that I owed to the tune of {$6600.00} and demanded payment. OnXX/XX/XXXX they sent an overnight XXXX letter to me stating they had made numerous attempts to contact me- I had received one letter and have never spoken to anyone on the phone ) and threatening to sue me. I sent a certified mailed request for validation and disputing that I owed them any money ( which was signed for by them on XX/XX/XXXX ). I requested a contract with my signature showing that I owe them anything at all. I then received 2 letters from them - both were dated XX/XX/XXXXhowever I received them on 2 separate dates - First I received a letter welcoming me to MCM - Midland ( no longer listing XXXX XXXX ) and stating they got the debt onXX/XX/XXXX ( previously they had given me no date ). and telling me to call to make good on paying them. Then a day later I got another letter from MCM stating they received my dispute and stating their info is correct. They enclosed a copy of an old statement from months prior from when they claim to have gotten this debt. They enclosed no contract, nothing with my signature indicating that I have any obligation to them. I have again sent them a request for something with a signature and asking for details. I believe this violates my rights under the FDCPA and FDCRA - they did report that I was disputing it but then stated it is legit without anything showing I signed. They tried to intimidate me by sending me the overnight package threatening me with litigation without even allowing me time to dispute it and then tried to cover it up by transferring it within their own company.
|
| 07/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ASSET ACCEPTANCE LLC was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed.
ASSET ACCEPTANCE LLC failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ASSET ACCEPTANCE LLC an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ASSET ACCEPTANCE LLC failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account.
A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ASSET ACCEPTANCE LLC is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice.
Several phone calls to ASSET ACCEPTANCE LLC have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
|
| 04/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX.
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years.
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved.
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have two credit cards with debt collector Midland Credit management. The first one is a XXXX XXXX card with a debt of {$6600.00}. The second is also a XXXX XXXX card with a debt of {$3600.00}. I recently have become able to pay these debts off, so I contacted Midland credit management by phone on XX/XX/2022. I was put in touch with a Senor manager, named XXXX XXXX who I negotiated with a relative 's help down since we were paying them off in full. For the first debt, we negotiated down to {$4200.00} and the second down to {$2500.00}. I was sent an email to accept electronic communication which worked fine and then was supposed to receive an offer letter via email with the verbally agreed upon negotiated amount. Once we would receive those, we were going to make payment. The emails never came even after repeatedly checking my spam folder and refreshing my email. XXXX said he sent them, but we never received them. We called him back later that day to let him know this and to have him resend the emails. Once again, they never arrived, and when we called the second time, the phone line was so bad, we couldn't communicate. We were transferred to another manager whose line was also very difficult to hear.
We began reading reviews about this debt collector and saw the awful record they have with customers either being defrauded or paying off debt and never having it properly credited. I was horrified by this, and although I am committed to resolving this debt, I am afraid that if I pay them, it won't be properly resolved and will remain on my record. The correspondence with them has made me uneasy.
The bottom line is that I would like to have someone help me communicate with them so that I can properly pay this off and be free of this debt so that I may get my credit score back on track.
|
| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Midland Credit Management filed a summons stating that I owed them {$1400.00}.
Midland Credit Mgmt is a 3rd party collector who purchased my account from XXXXXXXX XXXX on XXXX I made my last pymt in the amount of {$560.00} to XXXXXXXX XXXX on XXXX, before Midland Credit Mgmt bought the account.
I have never signed a contract or verbally confirmed that I owe Midland Credit any money. My agreement was with XXXXXXXX XXXX until they sold the account to this 3rd party collector. All they've presented is a Bill of Sale to purchase the account.
I sent a demand letter to request proof of contract w/ a certified copy of an authenticated original contract between me and Midland Credit on XX/XX/XXXX, giving 15 days for them to respond. I sent this letter certified return request that proved that they received the letter on XXXX They have not responded, and are continuing to force mediation to push me into agreeing that I owe them this money.
In the letter, I stated my rights under FDCPA to dispute the alleged account, as well as the law that states that before they collect any information, about me, they must get my authorization to access my credit report for any reason. I would never give a collection company permission to slander me on my credit report. I followed this comment writing out this law word for word.
I then asked them to notify me in writing that they have ceased all collection activity and deleted all information they furnished to all credit reports to which they submitted this unverified and un-validated information.
All requests have been ignored.
If they keep ignoring my rights under FDCPA, I will continue my complaints to XXXX XXXX Federal Trade Commission Attorney General Possible law suit for harassment, fraud, extortion, and invasion of privacy.
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY, MIDLAND CREDIT MANAGEMENT XXXX INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
|
| 05/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.
|
| 03/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am being aggressively contacted and threatened with legal action about a debt that I don't owe and that no one has even tried to validate.
I received a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, that incorrectly stated that my XXXX/XXXX XXXX account is in collections in the amount of {$500.00}. This is not true because I paid off the card on, and didn't use it after, XX/XX/XXXX.
I responded with a request to validate the debt on XX/XX/XXXX. I never received a response to that request.
XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, that said I owed {$500.00} and if they didn't hear from me by XX/XX/XXXX, they'd pursue legal action. I responded with a request to validate the debt on XX/XX/XXXX.
On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX, again stating that if they didn't hear from me by XX/XX/XXXX, they'd sue me.
In addition to the aggressive attempts to collect on a debt that I don't owe ( and that has yet to be validated ), XXXX XXXX XXXX has been calling me excessively ( two to three times per day on the weekend, and at least once per day ). I requested that they put me on their Do Not Call List, only to have them call me again two hours later.
You may wonder, " Why won't you speak to XXXX XXXX XXXX over the phone? ". Because I have read a lot about their shady business practices, so I will only communicate with them in writing.
Here are the dates and times XXXX XXXX XXXX has called me : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX ( this is when I told them to put me on their Do Not Call List ), XXXX XXXX, and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX This is a lot of harassment and attempts to aggressively pursue a debt that I don't even owe.
|
| 05/11/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not believe I owed what the creditor says I owed. To my best of knowledge, I had never received anyone who contacted me about an unpaid balance. I do not recall this debt, and as a result this debt may have been fraudulently conceived. I respectfully ask that you provide me with the following documents to verify that I in fact, owe this debt.
1. A written contract between the original Creditor and myself, that was signed by me.
2. All monthly billing statements that show the location of purchases or balance transfers and the amount of each, that lead to the calculation of the balance you claim I owe..
3. Proof that you have the legal ability to collect debt in my state of Florida.
4 Proof that you own this debt.
5. Copies of any payments that were alleged to be made by me, or someone i authorized.
6. Copies of receipts which shows my signature, or the signature of an alleged authorized user.
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : * Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; * You can not add interest or fees except those allowed by the original contract or state law.
*You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; I asked for the company to verified the debt they sent back a letter that says XXXX XXXX XXXX that is not my name my name is XXXX XXXX XXXX XXXX
I thank you in advance as I try to take the appropriate steps to separate my good name from possible fraudulent debts.
Thank, XXXX XXXX XXXX
|
| 01/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated.
On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate.
On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX.
As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either.
How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.
|
| 08/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies.
XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XXXX XXXX ) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXX ) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court.
Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt.
Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.
|
| 08/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I previously submitted a complaint on XX/XX/XXXX in regards to XXXX XXXX attempting to collect for a debt that is not owed by me. The company XXXX XXXX responded on XX/XX/XXXX stating that I retained an attorney, and that they do not have a record of my attorney 's contact information. They requested that I provide that information so that they can contact my attorney directly. Lastly, Midland advised me if I was a victim of fraud to provide them with a copy of a police report or affidavit of fraud showing that I have reported the fraudulent activity. Since then I have sent ALL of the requested information as requested by Midland Funding. I sent a letter with my attorneys information and contact number as well a notarized copy of an affidavit from the FTC reporting the fraudulent activity. These documents were sent out certified mail on XX/XX/XXXX it was received by Midland on XX/XX/XXXX. I received a letter from Midland dated XX/XX/XXXX stating that " We are uncertain of what you are specifically disputing '' and " provide written explanation and documentation demonstrating any errors in our account information ''. Again, a request for my attorney 's information is asked for again. The same information was sent to XXXX XXXX XXXX the original creditor, I have not yet received a response from them however I XXXX is no longer reported on my credit reports. In this case, if the original creditor has been removed from my reports I DO NOT owe Midland Credit Management nor do I have a contract with MCM. I have done ALL that has been requested of me to resolve this debt and MCM has NOT provided anything VALIDATING this debt, I have since then followed step by step instructions from MCM to further resolve this debt and still I am being told that they are uncertain of what I am requesting.
|
| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On Tuesday, XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my credit score. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was Midland Credit Management whom reported. I contacted Midland Credit Management Wednesday, XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a single mother with XXXX whom have XXXX and XXXX. As well as I am living in a fixed income from social security benefits and department of transitional assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my XXXX XXXX debt. XXXX informed me that as of XX/XX/XXXX XXXX XXXX is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XXXX XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted XXXX XXXX and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through XXXX, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about social security number just being sent to different agencies without my consent.
|
| 03/01/2017 |
Yes |
|
|
|
Web |
|
|
I provided my ex with an authorized user card on my XXXX account in XXXX. In XXXX we separated, I moved home across the country contacted XXXX to cancel the authorized user card. XXXX agreed. In the spring of XXXX I was contacted by XXXX stating the account had been maxed out and delinquent. I agreed to settle and pay the balance in return for the card being closed and settled in full i payed XXXX XXXX XXXX Fast Forward to XXXX XXXX sued me was granted a judgement for the full balance and are now garnishing my wages for XXXX XXXX This is not only dishonest but appears to be interest and fees way above usery. On a card with a XXXX limit my credit report now reports a XXXX charge off, per the local court house where filed the balance due is now XXXX $ yet a garnishment of XXXX $ has been levied against my pay check causing 25 % of my after tax earnings to be stolen from me. The law firm that filed the suit is Midland funding. They refuse to answer the phone, return calls and the one time they have refused to discuss how the balance exists and has reached such a high dollar amount. On top of being unethical, and immoral is causing finacial hardship. I am able to settle but due to the first time this was paid and still now being sued am not sure that makes sense again. In addition the usury amount of the balance is concerning and seems unlawful. This non valid garnishment is negatively affecting my ability to pay living expenses and college expenses for my child. This is unfair, unjust and dishonest. Despite my effort to contact legal assistance i continue to hear this is not an isolated occurrence and that their is little of no legal recourse for a Citizen. Can you help? This seems like an UN community type thing to do to a county taxpayer especially a civil servant. Please help.
|
| 06/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX On the date shown, XXXX XXXX called me on my cell phone, and explained they are a collection company trying to recover my debt owed to XXXX XXXX. There was a debt. The amount sounded correct. We made a payment arrangement together.
The whole thing began to take a weird, unprofessional turn after I agreed to two payments of {$230.00}. The agent on the phone with me, a woman with a foreign accent ( the charges incurred foreign currency exchanges, as well ), said she needed to transfer me to her manager for " final approval ''. She was fine, actually, but the manager was acting like a used car salesman, giving me strange options which made no sense.
I had ALREADY agreed to make two payments. He didn't like the dates. He wanted them back-to-back, then a week apart, then one week after the week I had agreed to! What the XXXX? Finally, I told him he was just too XXXX weird to deal with and process my payments and get off my phone. The phone call lasted 20 minutes after I had already agreed!!
However, part of what I agreed to was, THERE WAS TO BE NO REPORTING TO THE CREDIT BUREAUS since there had not been any on this matter prior to our conversation. It's now on my XXXX report as a collection!! They LIED!
They called me AGAIN, before the second payment ( XX/XX/XXXX ) and began to harass me for my email address, address and more information, which I refused to give them! What do they need ANY of that for? They don't! After I more than firmly told the same woman, NEVER CALL ME AGAIN, I blocked their number from my phone.
They lied. They harassed me. They put the report on my XXXX after they promised they had " no interest '' in doing so, AFTER they got their money. Plus, they never explained there would be a currency exchange cost. Ever. {$7.00}
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to report a violation of my rights by a creditor. XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX has taken {$13000.00} through employee garnishment since XXXX and is continuing to do so. I called the number I was given and spoke with a debt collector from XXXX XXXX XXXX. I asked what debt was. The response was it was from a financial company XXXX XXXX. I continued to inquire if it was a loan or a credit card. I was informed by the debt collector from XXXX XXXX XXXX, Midland has all the information from XXXX XXXX and nothing else is needed. The collector said it was from XXXX but the only credit card I had was already garnished by Midland. There are 3 separate occasions when garnishments from Midland were claimed to be from XXXX XXXX XXXX XXXX. The debt itself was over 15 years old. I could not prove the debt was paid and was told there was nothing I could do about it. I was first garnished for XXXX XXXX XXXX XXXX at the end of XXXX. In XXXX, garnishments began again from XXXX XXXX XXXX XXXX. In XX/XX/XXXX, Midland began garnishing again for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX informed me each time I had to prove the debt had been paid in full.
My complaint is XXXX XXXX XXXX continue to garnish me for debts I dont have. XXXX XXXX XXXX are unable to provide information regarding these said debts. I am unable to prove the debts the paid due to the age of said debts.
There is another XXXX XXXX on my credit report I have been trying to get removed for over a year. It is described as a debt to XXXX XXXX.
My grievance is with XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I contacted the Attorney General who lead me to you. After contacting the AG I was informed of a lawsuit against this group by the Attorney General.
|
| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
We have a garnishment agaouint us and we have been having payroll deduction since thew court case. On XX/XX/XXXX we made a large payment against our judgement of {$4700.00}. We had a few more payment garnishments in XXXX and XXXX. During these garnishments we actually have paid enough of the debt and now we have actually over paid approx {$400.00}. Because of my work schedule my husband has been in conmtact with Midland. He has contact Midland Credit Management over 5 times to discuss the balance and over payment. I even requested verbally and via email a complete payment history and interest charge for our account. They told me I can receive this information online which only goes back 1 year. I told Midland this and they said they are not under obligation to give me payment and interest charges history. I am asking for this to see how much we were charged interest because I received a statement from Midland on XX/XX/XXXX showing a balance due of {$62.00}. Then he got online on XX/XX/XXXX and the account showed a balance of {$230.00}. We were told this is because of interest charges. Then he spioke to another Midland rep on XX/XX/XXXX and she confirmed this si an issue with the correct balance and they will look into this difference and let me know. Midland rep also told us the reason for overpayment is the XXXX XXXX XXXX did not XXXX XXXX them the most recent payments and we needed to conct XXXX. I contacted them on XX/XX/XXXX approx. XXXX and went over the account details. XXXX told us that they never received a Credition Reduction Letter of our {$4700.00} payment from back in XXXX. And my next paycheck on XX/XX/XXXX will have yet another garnishement. This is totally unacceptable and lack of responsibility on Midland Credit and lack of willingness to help in this matter.
|
| 03/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ).
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ).
My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is?
I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this?
If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now.
Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is?
Until further notice please do not contact me via mail or phone.
I thank you kindly for your time and patience in regards to receiving and reading this letter!
|
| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
|
| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX XXXX XXXX ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.
I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.
Furthermore, I exercise my right under XXXX XXXX XXXX ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to XXXX XXXX XXXX I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern : This letter is regarding account # XXXX, which you claim {$2100.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX
|
| 06/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This issue involves XXXX XXXX XXXX XXXX XXXX. There is an account for {$840.00} XXXX XXXX started reporting, then XXXX XXXX is reporting the same account as a collection.
I never heard of either company until I checked my credit. It's stopping me from buying a digital label printer. In my line of work I need to upgrade my printer, it costs {$13000.00} and I want to finance it. But these accounts are costing me business.
I wrote both XXXX XXXX & XXXX XXXX to let them know they are reporting this information on the wrong person and please delete from my credit report. I have no middle name and this individual appears to have one. Plus, there are 2 different addresses on my credit report that I have never lived, nor do I know the occupants at those addresses.
XXXX XXXX sent a letter and said, " We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. '' The information I provided XXXX XXXX regarding this issue, is what XXXX XXXX reported on my credit ... Yet they have no information on what was provided.
How does that happen?
XXXX XXXX replied and provided a statement for {$840.00}. The statement is addressed to a place I've never lived. The only reason they have my address is because I wrote to state my address to quickly resolve this matter. Where I receive mail, I have been doing so, since the age of XXXX.
How does that happen?
I wrote XXXX XXXX back explaining they are reporting on the wrong person. That letter was dated XX/XX/XXXX and I have yet to hear anything from him relating to this subject. Furthermore, I included two invoices showing my legal address back in XX/XX/XXXX & XX/XX/XXXX.
I don't know what else to do ....
|
| 07/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score. This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.
|
| 05/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX XXXX XXXX incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to XXXX by the USPS as not received.
I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and XXXX XXXX sold it to a credit collector. Upon notice from credit collector, I called XXXX XXXX, and spoke to XXXX XXXX, their XXXX, XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened.
This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that XXXX for XXXX XXXX has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me?
I attach the fax from XXXX representative verifying this, along with documentation and communication, over the last 3 years, with XXXX XXXX, credit bureaus and collection agency to no avail so far in correcting XXXX XXXX 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
|
| 02/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This balance represents fraudulent transactions on a XXXX XXXX issued credit card for XXXX XXXX. XXXX was the predecessor to Midland Credit Management. The fraudulent balance, after XXXX XXXX shut its doors in XXXX or XXXX of 2020, was {$58.00}. To be clear, my actual charges to the card in question were paid in full when the company closed. In dealing with XXXX to try to resolve the fraudulent balance of {$58.00}, I was told, by the customer service department, " Ordinarily, we would be able to waive these charges, but, since XXXX XXXX is out of business, we can't. '' So, although, the transactions were fraudulent, they would not waive them because the company was bankrupt and out of business. It is still unclear how that equated to me needing to cover the expense. Every few months, I would dispute the charges with the credit bureaus, XXXX would lower the balance, then, the process would start all over again. Prior to the account being sold to Midland Credit Management, it had once again bloomed to {$370.00} which includes interest and late fee. I explained this long, drawn-out history, repeatedly, but Midland refuses to acknowledge it. In fact, in a demonstration of utter ignorance and a sheer lack of common sense or maybe with specific intent to be obtuse, Midland 's representatives ' solution was to send a copy of the bill showing the balance of {$370.00} as their version of proof that the charges are mine! I do not understand how these tactics are legal. How can I be forced to pay for documented, demonstrably fraudulent transactions? For a company that is no longer in business? On charges which, most likely were written off in the companys bankruptcy proceedings? How can Midland slither into this issue and ignore the prior history while demanding full payment?
|
| 03/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
" Midland Funding , LLC '' is a heavy handed collections company that " buys '' bad credit card debt for pennies on the dollar and then aggressively pursues the debtor.
Since my ex husband was not taking care of his half of the debt, after the divorce, I decided to hire an attorney to help me negotiate his half since it was still affecting my credit.
At the time of the negotiations, " Midland Funding '' only presented 1 account to my attorney. It was negotiated out of court and paid as agreed, even though the statute of limitations had past and they could no longer go after me legally. I really just wanted to clear up the damage on my credit that my ex husband had caused.
Then, a few weeks later, I started getting calls and letters again concerning 2 additional accounts that they had also purchased at the same time as the settled account. The problem is " Midland Funding '' was/is required and should have presented all collection accounts they had in my name. They failed to disclose all accounts not only to my attorney but to the courts and the Judge.
This all took place about a year ago and they are still contacting me by phone and by mail, even though they know my attorney, first hand. I calmly direct calls to my attorney and have turned over the letters to him.
I do not want to take them to court. But I will if that 's what it takes for them to follow the law and rules of the courts. I really just want the calls and letters to stop or be redirected to my attorney. And if I am understanding the law, it is illegal for them to pursue me and to still report the other XXXX accounts on my credit report since they failed to submit all XXXX accounts at the time of negotiations and settlement.
Thank you for this format to allow consumers to report illegal behavior.
|
| 01/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of Midland Credit Management ( {$2300.00} ). Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was XXXX. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/XXXX. Apparently, a company called Midland Credit Management served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, XXXX via email ( XXXX ). I am in XXXX. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in XXXX sent the paper to my company CFO ( XXXX ), also located in XXXX. No prior order was served in XXXX. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, XXXX. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong XXXX accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of XXXX. ( Fraud? sounding more and more like it ).
Either way I would like for Midland Credit to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.
|
| 01/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU of consumer financial protection transition, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the consumer financial protection bureau. On XX/XX/XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. The resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or particular kind coin or currency... are inconsistent with declared policy of congress.. in the payment of debts. This resolution declared that any obligation requiring '' payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if Information.
|
| 09/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently pulled my credit and seen this company Midland Credit Management on my credit with multiple accounts owed, so I originally disputed on my credit report I believe it was XX/XX/2022 that I did not receive any paper work that I owed a debt, or proof of debt oe right to dispute and I requested that they send that to me so I can see what this debt was an validate it. I asked for proof of the debt, they responded debt was mine and closed the dispute never providing any details or information. So I contacted the company via their website which I did take copies of our chat session which I was told I had 5 accounts he listed off the accounts and then said we are sending these to an attorney if you do not make payment or come to some resolution. I said I want proof that this is my debt I never received anything and it recently came to light that possible fraud had been committed on my credit in my name and that I never got any letters after asking multiple times to prove this was my debt and I was never given the opportunity to fight this. He said letters were sent originally, but I never received letters so I said I need proof then that you sent the letters or resend me the proof so I can see if this is mine or file fraud and he said contact the consumer credit agency department and if its fraud I can provide them proof and told me what to send otherwise its going to court. How can I not be provided proof of debt when asking multiple times I can't even say of this is my debt so I believe it is NO I don't, but how can I confirm if no one will help me and all they do is make threats and tell me to pay. And why has no one called me why don't i get anything in the mail just makes no sense and I do not beleive this is my debt but no one will provide me proof.
|
| 06/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am filing a complaint with XXXX XXXX and XXXX . I have sent a tota l of six ce rtified disputes letter to all XXXX Credit Reporting a gencies since XX/XX/17 . In the dispute letter I was requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me. XXXX of the accounts have been paid in full. There is also XXXX accounts on my report from the original creditor and they have been sent to a collection agency. So all XXXX Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.
|
| 01/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have an account with XXXX. I owed a balance of about {$1300.00} for the XXXX XXXX account. I was paying this account every month for {$80.00}. Then I received a bill from them stating that I owed a balance of {$1300.00} with a past due amount of {$470.00}. I called because the payments were being deducted from my account every month. It turns out that because they are no longer working with XXXX XXXX, they closed out my XXXX XXXX account and open a new account for me called XXXX XXXX which is the account that I was paying for when I thought I was paying the XXXX XXXX. The balances owed on both accounts were about the same amount so that was the part that confused me. The previous balance that I owed on the account they closed out, they now wanted full payment on of {$1300.00}. I contacted XXXX around XX/XX/2022 when I received the notice. I first asked to speak with a manager because I didnt ask for the first account to be closed and I didnt give authorization for a second account to be opened. The manager stated there was nothing they could do. When explaining that I didnt have the money to full pay the balance and I requested a payment plan or for the accounts to be merged, they stated that wasnt possible. I attempted to send a payment of {$50.00} to start paying off the old balance on the XXXX account and XXXX returned the payment with a letter dated XX/XX/2022 that stated they sent the account to collections. Now I have a collections account on my credit report and Im having to deal with Midland Credit. This is unjust because I was never given an option on closing one account and opening another. I was never notified that I now have 2 accounts. I was not given a reasonable option to satisfy the balance with XXXX before they sent it to collections.
|
| 02/18/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am being sued by midland funding ( encore ) for XXXX. They are claiming breach of contract. Court date is XXXX XXXX, 2016. The document presented to me as chain of ownership, are generic & can be used on anyone. They just typed a number or used a water mark on all the affidavits & give no specific information. The statement they used, looked like a generic template. Them there was a plain white sheet of paper, with some personal, but easy to get information. When I answered their questionnaire they asked me for my bank & bank account number, it stated that this was not pertinent to the case. I said that I disputed owing Midland funding any money & That I owed XXXX bank zero money. They motioned for a summary judgment, that I did not answer in a reasonable time, stating that I did not answer all the questions & that I did n't dispute that I owed money to XXXX. That their claim is valid & that they should be awarded money. I answer that I did not owe them the money, never received the papers they said they sent ( I did n't ), until I saw the motion for summary judgment & answered them & that I denied owing them any money & that I disputed the validity of their affidavits. Sited lawsuits against them for these very reasons.
There were given until XXXX XXXX to answer. I received an answer on XXXX XXXX, postmarked XXXX XXXX. Which did n't give me any time to prepare a good answer, as that was a weekend followed by a holiday. They answered back that those lawsuits were inflamitory & should be stricken & that since I never denied owing XXXX XXXX bank the money & stressed this as the most important issue, that their claim was valid & they should get a judgment on that alone.
I do n't have digital copies of their statement, but can provide copies in the mail.
|
| 02/27/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On or about the last week in XX/XX/XXXX, I called Midland to pay my XXXX collections in full. They referred me to the Law Offices of XXXX XXXX XXXX. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XX/XX/XXXX. On Friday, XX/XX/XXXX, I called the law offices of XXXX XXXX XXXX and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record.
Throughout the month of XXXX, I have been receiving daily robo calls from Midland attempting to collect on this paid in full debt.
Yesterday, XX/XX/XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XX/XX/XXXX.
Today XX/XX/XXXX, I called the Law Offices of XXXX XXXX XXXX, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter.
I am reaching out for help because Midland has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit.
Both Midland and Law Offices of XXXX XXXX XXXX ( which is just a shell company for Midland ), need to be held fully accountable.
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to complain about three collection accounts that appear on my credit report. The accounts are : Midland Credit Management : {$330.00}, original creditor XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX : {$610.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1100.00}, original creditor XXXX XXXX I have never conducted any business with any of these debt collectors, nor have I signed any contract with them. I believe that they are illegally using my information without my consent.
I first became aware of these collection accounts when I recently checked my credit report. I have never received any bills or correspondence from any of these debt XXXX, and I have never made any payments to them.
I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred.
I have not received any debt validation letters from any of these debt collectors. Therefore, I believe that they are illegally reporting these debts to my credit report.
I demand that you immediately remove these collection accounts from my credit report. I also demand that you send me debt validation letters for each of these accounts. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 08/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a bill from Midland Credit management that i did not recognize so on XX/XX/XXXX I sent them a letter requesting validation pursuant to FDCPA 15 USC 1692g. I requested a Creditor/Debt Declaration ( a form was attached to letter ) documents and information and requested that they respond within 30 days or request the account be deleted and removed from my credit file and a copy of deletion request be sent to me. On XX/XX/XXXX I received another statement without validation or documents. Then on XX/XX/XXXX I received a XXXX envelope that contained another statement and pamphlet on debunking collection myths. I didn't know why they would spend money on XXXX without sending any documents. At this point i called them, and the 1st person i talked to claimed they had sent me the documents and information but it was sent to the wrong address even though they had my address, he said he will connect me to " regional support staff '' who said they sent me the information in XXXX and said since i didn't get it he would send it to me again now, I told him no that at this stage I wanted him to remove the information from my credit file, and to cease and desist all communication with me. ( I still have the recording of the conversation ). On XX/XX/XXXX i again received correspondence from them dated after i asked them to cease and desist. So I sent another letter also requesting that they cease and desist, this time with a return receipt which they stamped XX/XX/XXXX ( although it was delivered on XX/XX/XXXX at XXXX XXXX ) And again, today XX/XX/XXXX I received some more correspondence dated XXXX XXXX. It looks as though they closed the account on XX/XX/XXXX and the information is still apart of my credit history as a closed account or collection account.
|
| 08/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( XXXX XXXX XXXXXXXX XXXX ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}.
On XX/XX/18, I contacted the Law Firm- XXXX XXXX XXXX and spoke with a Mr. XXXX XXXX XXXX XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with Midland on behalf of XXXX XXXX. I never heard from MrXXXX XXXX at that time.
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the Midland/XXXX XXXX, give it a couple more weeks. Wow!
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm?
Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm.
I would like them to cease and desist collection matters on this account!
|
| 06/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke with a representative of MIDLAND CREDIT MANAGEMENT who called my phone several times. As I wasn't aware of the number I didn't respond initially. After several repeated calls during the week. I finally answered assuming the matter was likely important.
After speaking with the representative. I realized she had little to no information in regard to the debt she specifically claimed I owed. My issue is with the communication. When ask where the credit came from. She fumbled, had no information to provide me. She then placed me on brief hold and returned to inform me that the debt came from XXXX XXXX.
The representative was completely unprepared to discuss any of the information she claimed to have in front of her. There was a major lack in professionalism. I continued to inform the representative that the debt was in fact paid to XXXX XXXX yet she insisted it hadn't and when asked what information she had. She was unable to provide it to me.
What perplexed me even more was she had no record of the amount owed. I had to ask her several times as she fiddled around with her papers before she could give me a final amount. I then proceeded to inform her that I would need to check back with XXXX XXXX and I would get back with MIDLAND CREDIT MANAGEMENT. She informed me to get back with her as soon as possible as this could " negatively effect my credit ''.
Unfortunately, 48 hours later. The debt collection showed up on my credit report without notice. I would like it removed by MIDLAND CREDIT MANAGEMENT. I honestly do not have a problem paying the bill, but when a representative is ill informed and provides little to no information in regard to the debt she's attempting to collect. I find that highly unprofessional and somewhat disturbing.
|
| 09/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
starting around beginning of XX/XX/XXXX I started receiving phone calls from a company called Midland Credit Management. this company has called my parents number leaving multiple messages ( I have never used my parents number for my credit applications ). I called and spoke to a representative and explained to them that they have my contact information and that they are to only call the number for me that I have on file and to not call my parents home again. now starting XX/XX/XXXX, XX/XX/XXXX and every other day from then on they have called me and told me they were going to sue me and take me to court. they have now started calling my brother starting XX/XX/XXXX and XX/XX/XXXX 8 to 9 times a day until he finally answered and they assumed he was my husband and stated they are looking for me. I called the company again and told them that they are not allowed to call every family, friend or work to state they are looking for me. I also told the company to mail me proof and documents of the account and balance as to which I have yet to receive. then I was told I was being discriminative towards him because I refused to let him get a word in edgewise and I was very upset over the harassment they are giving my family and friends. I do not know how legally they can look for anyone associated with you and continue to call them and harass them. this company has pushed the limits with harassing calls and threats of suing me. I have done research on this company and they have horrible reviews and they are considered a third party entity. This company should be addressed and shut down for the harassments and threats they have made to numerous people. I refuse to work with a company that can not prove anything about a debt or even prove that they are legit.
|
| 03/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX Midland Credit had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. Midland, per their attorney XXXX XXXX XXXX also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX Midland credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the XXXX XXXX XXXX law office to collect their money and will not deal with the debtor. The XXXX XXXX XXXX law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is Midland Funding is XXXX.
|
| 06/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed numerous times to have this account removed. They never provided me with the verification I requested. I filed a complaint with XXXX XXXX XXXX account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.
|
| 06/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, myself, my mother and ex husband were called from The Midland Group in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for XXXX XXXX credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.
|
| 09/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, Midland Credit Management XXXX has violated 15 US Code 1692c Communication in connection with dent collection, 15 US Code 1692g Validation of debts and 15 US Code 6802 Obligation with respect to disclosures of personal information.
In your correspondence letter you stated that you sent mail XX/XX/2022 about this alleged account. What address did you send this letter to? I never received this communication and none of the documents youve shown proves that I owe Midland Credit Management. This is not my debt. You guys never sent me the validation letter which is required by law. I ask that you cease furnishing on my consumer report.
Furthermore 15 U.S. Code 6802a states financial institutions may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such Financial institution provides or has provided to a consumer a notice that complies with section 6803 of this title. You may not disclose this information unless you disclose this in writing or electronic or other fo
rm permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party : ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party : ( consumer reporting agency ). And I must be given instructions on how I can exercise my rights.
This is a notice to sue because I have not be given any of these disclosures from either company. I asked that this is removed immediately. I don't want any more time wasted on this.
You must know all of the Laws before you waste your time and cost your company thousands from a lack of knowledge.
|
| 04/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management Inc, located at : CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX De La XXXX # XXXX, XXXX XXXX, CA XXXX MCM ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from XXXX Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the Midland Credit Management Inc requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and Midland Credit Management : USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called Midland Credit Management Inc, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " Company '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
|
| 02/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CPBC Abuse of MIDLAND CREDIT MANAGEMENT.
I called MIDLAND CREDIT MANAGEMENT ON XX/XX/2019 to inquire about the negative they placed on my consumer file. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.
Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that have on file on the account listed below.
{$1100.00}.
During my call, the phone was transferred to a staff of MIDLAND CREDIT MANAGEMENT named XXXX, and in the course of our conversation while I was making inquiring she called me a an XXXX '' and told me to send her a copy of my social security, and for asking too many questions and hung the phone one me. The time of the conversation was CST at XXXX. I want the verbal abuse to be investigated.
According to the Consumer Protection afforded by FDCPA section 806. Collection agency are liable to a fine of {$1000.00} if they use any kind of harassment or abuse. MIDLAND CREDIT MANAGEMENT have abused me.
MIDLAND CREDIT MANAGEMENT has not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe MIDLAND CREDIT MANAGEMENT. I therefore demand a thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau. or have any contractual obligation to pay them.
I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
|
| 09/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This complaint is against XXXX XXXX. After numerous disputes with foundation, XXXX XXXX. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with midland funding llc. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that midland have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with XXXX on numerous occasions, since XX/XX/XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent XXXX with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet XXXX XXXX, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( MCM ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent XXXX a document from XXXX dated XXXX., showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain credit.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I found a collection debt on my reports from XXXX XXXX XXXX. I contacted to validate debt and informed it was sold/ '' now owned '' by a law office local to me and that they could not talk to me any further about the account. Upon contacting the law office I was informed that their was a judgment ( {$870.00} and higher than what was showing on my reports ) against me and they did validate it. I offered to pay in full right away over the phone and documents/everything in writing was prepared saying debt was settled/paid in full. They also stated that a writ of garnishment was sent to my employer, but that they would immediately send out a termination of garnishment letter to my payroll dept.
Well, a week later I receive a letter from my payroll stating a garnishment will be talking place with other supporting documents of court judgment and local court house I must contact to file an objection. I immediately contacted the court for an objection and my payroll was faxed all my supporting documents to stop this, only to be garnished less than two weeks after I paid. I was also still showing an open account from XXXX XXXX on my credit reports with a higher balance!? I contacted the law office again and they stated it was up to Midland to report to credit agencies and stop my garnishment, but they had sent all paperwork to them?
I have also disputed my reports with all three agencies and they state that the account in question has been verified as accurate and just " updated '' it which now re-aged the collections account and total debt owed?!
I have also contacted Midland through their web portal dispute my account that now shows a {$60.00} balance still owed?! They have not responded!
This is harming me trying to get new rental/home leases!
|
| 10/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " XXXX XXXX XXXX XXXX '' and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt.
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights.
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.
|
| 12/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I am writing without the assistance of any third party company. I am writing this complaint from my understanding of the Federal Law that is presented in my XXXX XXXX XXXX. I am the consumer, natural person who extended XXXX XXXX my credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature. In that moment, I created a financial asset pursuant to 12 CFR 360.6 ( 2 ) which is known as a negotiable instrument or promissory note. XXXX XXXX sold said debt to MIDLAND CREDIT MANAGEMENT XXXX XXXX a third-party debt collector who is in violation pursuant to 16 CFR 433.1 which defines a consumer credit contract as well as the consumer, 16 CFR 433.2 which states NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER., and 16 CFR 433.3 which defines open-end consumer credit contract, open end credit and contract in reference to a consumer credit contract ; MIDLAND CREDIT MANAGEMENT XXXX XXXX is in violation pursuant to federal law. I am aware the pursuant to 12 CFR 226.2 the original negotiable instrument is a credit card account under open end consumer credit plan MIDLAND CREDIT MANAGEMENT XXXX XXXX has used harassment and abusive tactics in attempting to collect alleged debt filing a summons without the proper course of lawful actions, hiring an attorney ( XXXX XXXX XXXX XXXX XXXX who too is in violation pursuant to 15 U.S.C 1692e ( 3 ) false and misleading representations causing anxiety, headaches, less time tending to daily tasks etc and I am unsure of how to resolve these matters, please help!!
|
| 04/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
|
| 04/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I made a settlement agreement with Midland Funding. I made all payments per the settlement agreement except for about the last seven when Midland stopped depositing my payments.
Per the letter I have attached, even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount.
XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ).
I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made.
P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.
|
| 07/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I received a bill in the mail from Midland Credit Management ( MCM ), a debt collection company. The bill states that an account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my name. The bill in the amount of {$730.00} defaulted on XX/XX/XXXX and was sent to MCM on XX/XX/XXXX. I called MCM on XX/XX/XXXX and informed them that this account is fraudulent. They told me they would mail the information they have on the account to me. They also told me that once I look over this information, I should call them back to continue the process of disputing the debt ( which I plan on doing today ). On XX/XX/XXXX, I received the information they mailed me on the account. The documents state that the account was opened in my name on XX/XX/XXXX. The item that was purchased with the account is described as a grey dresser. The person who opened the account provided an address in Florida and an email address. I immediately recognized that this person resides in the same state where identity theft has happened to me in the past. On XX/XX/XXXX, an individual used a fake drivers license with my name and address on it to attempt to take out an auto loan. I immediately reported this incident to the company and local authorities. I was advised to freeze my credit on all 3 credit bureaus, which I did. In XXXX, XXXX, I needed to unfreeze my credit for a credit check for an apartment rental. Upon doing this, I started seeing several credit inquiries from Florida. I notified the credit bureaus and froze my credit once again. My credit has been frozen since XX/XX/XXXX. This current incident was done without pulling my credit. This individual used my name and social security number to open the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 12/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Dear MIDLAND FUNDING LLC, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau XXXX CFPB XXXX and other state/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have viewed my credit report and there is a charge on a collection agency named Midland Credit Management. I have called them to ask about what is it that they are charging me, the person who answered used aggressive tactics and told me not o be able to provided me with any information unless I would confirm my personal information such as full name, address, social security number, employer. Otherwise, he can not give me any information. He definitely would not give me any information until I provide him with my information to identify me. So I had to give them my information if I wanted to continue talking to him in regards to this account.
After providing him with the information he requested to update his files he told me that his company had filed a judgement against me for the balance of {$2900.00}. He said that I had to pay or else he would take legal action.
On my behalf this is not my account, therefore, I do not owe them the amount of {$2900.00} I filed a dispute with the XXXX credit company, then Midlands Credit management sent me a letter to my home claiming to pay on full and that the original creditor is XXXX XXXX account No. ending on XXXX. only four last digits.
Based on the information provided on my credit report ( which has several Social Securities that are not mine ) I believe someone has used my name or this company has the wrong information and wants to make me responsible for it.
I would like this company to remove this charge that is not mine from my credit and my name. It is very social and economic unfair that this company " Midland Credit Management '' has the power to make me responsible only because they have legal knowledge and economic resource to add their will on my report and on my persona.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
the problem is with a debt from a vacation club membership in 2019 in the state of south carolina they offered me a vacation timeshare. that I was going to buy but I couldn't do it anymore and I canceled the purchase even though I lost some payments that I made. but after XXXX years I receive a letter from some debt collectors, who tell me that I have to pay for the use of a credit card to make the advance payment for that membership, with a card that I have never had or with an account of credit that I never requested to make that payment, they sued me, for that reason I responded, to the demand and even so they took me to court and even though I explained the situation in court, the judge agrees with the collectors not because they have reason, if not because I supposedly did not file an affidavit, and now they send me a letter threatening me that if I do not contact them they will open a lawsuit to charge me, and it is that I do not understand why they want me to pay for the use of an account or a credit card that I do not have or authorize and that apart from that I do not receive anything for the payment of that amount that they want me to pay, I would not even receive the membership that I do not want or wish to buy and, apart from that, they take me to court in the state of North Carolina where I do not That purchase was made, my XXXX is not very good so I would like you to guide me on what I can do to be able to face and resolve this because it seems unfair to me that they want me to pay them a loan that I did not request and that I did not sign any document with the people who want to charge me and apart from paying them for nothing because I do not receive any benefits for paying that money that I did not request or use
|
| 04/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.
|
| 01/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I have been getting multiple calls from multiple different numbers even after blocking some.
On XX/XX/22 while I was at work I got another call and decided to answer it thinking it was a rental property from one of the properties I wanted to view. Instead it was someone from midland credit management I was planning on telling them to stop calling and hanging up, but they mentioned that I would be facing a lawsuit if I had not paid my debt to a XXXX XXXX credit card I had awhile ago. I told the guy I would start paying my credit cards as soon as I get back on my feet but told me they needed some sort of payment agreement so I can get the lawsuit off of me for. So I had agreed to pay {$50.00} every two weeks he sent me an email stating it had me consent to it while he was on the phone and set up my account. I mentioned I would make the payment when I got home cause I was at work but he insisted that I needed to make a payment so the creditors can see I will be making payments and not file a lawsuit on me. So I made a payment of {$50.00} while he was still on the phone so I can get them to back off from me for a bit. Since I didn't choose recurring payments he said the agreement would not be proceeded since and I'll still be hearing from soemone. To change that I had to allow him by consenting through a voice operation touch pad so he can make the change to recurring payments, pretty much meaning I had to do a electronic signature over the phone by pressing any key on my dial pad. Finally after all that he was done I believed I was actully facing a lawsuit come to find out from my fianc that they aren't allowed to threaten someone with something like that especially him being so insistent on getting the account and payment done.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Date account opened on my report from XXXX cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly XXXX sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like XXXX to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. XXXX the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and XXXX still showing good standing and closed due to inactivity is beyond me
|
| 02/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I wrote all three credit bureaus requesting that Midland Credit Management , Inc validate the debt on my credit files. The credit bureaus said the accounts were verified, but never provided how they verified the accounts with documentation which I requested in my letter to them with in 30 days. I received correspondence from Midland Credit Management on XX/XX/XXXX, in response to the XX/XX/XXXX, letter to the credit bureaus. They mailed an itemized print out of charges that are not familiar to me. They didn't provide the original contract or anything with my signature, no copy of their license to show me that they are license to collect money in the state of MD. Then they requested information from me regarding my dispute and stated that if its in error provide documentation. So in other words they want me to do what I asked them to do which is validate the debt. Also, an itemized statement does not prove nor validate the debt on my credit file.
15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15USC1692f states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
|
| 05/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am reporting a collection agency that appears to my credit report. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about a debt that does not belong to me. A debt collector is not allowed to harass me. No data is validating the alleged debt and I never had any debt from credit one that was the original creditor. The collection agency is not even licensed in the state of Michigan that is posted as the address of the debt collector. The problem is that this debt collector posted this frigolus and bogus debt to all XXXX reporting agencies. Also they are using unfair, deceptive, and abusive acts or practices against me while at the same time they are not even licensed seeking remedies in regards to a debt that does not belong to me. In XXXX and XXXX is listed with a Michigan address and according to the NMLS ID : XXXX they are not licensed to operate as a collection agency in the state if Michigan. Additionally they are pending approval as far as the state of California since in XXXX they have a CA address but they are not approved yet. I did try to communicate with them but the thing is that they are asking for ssn. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in 2017. Please advise as to how should I proceed with this fraudulent collector. Thank you in advance XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a XXXX Account opened in XXXX and its been paid off for years. It doesn't even show up on my credit report. Midland Creditors sued me without me knowing did paperwork at a XXXX Superior court house in california. I got an alert that may bank account was levied. I went to the bank because i did not know what was happening my saving was wiped out, no money. The bank told me my account was levied by Midland Creditors. They gave me a case # so i went to the court house, I then went to the court house to inquire on what happening because i was so nervous because they took my money and i have that money for my bills. I request all paperwork pertaining to my case #. I have never ever received any of the documents that were being used in court. So apparently i missed a court date for me to appear so the judgement went against me and they were able to levy my acct. I contacted Midland and the account number they gave is not my acct number because i have my old credit reports from XXXX and my XXXX acct does not match the acct number they claim belongs to me. The original amount they stated is {$7200.00} but they applied interest and know they want {$15000.00}. Please see attached document from Midland. I got a lawyer and they basically told him that I owe with no proof of the loan only my name and ss #. They have no proof nor does my acct number match there's. My husband also received a letter from the XXXX County Sheriffs Dept that his account was subject to a levy as well.the paperwork attached summary is all the documents that were being filed with the court behind my back. I knew nothing about this. In XXXX i purchased my first home, then in XXXX my second home never has this beneficial acct number been attached to me.
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
I was not aware that a judgment has been placed to our house until we applied for a refinance of the house. What happened was XXXX XXXX XXXX offered me a service to be able to accept credit cards as payments for my business. I agreed to it and signed the contract but after a few days I found out that there were more fees to pay each that was not told during the presentation. So I cancelled it right away but they won't let me. I didn't even get a chance to touch or use their device. They kept harassing us to pay for a year contract but I told them that I'm not paying for it. Little did I know that on XX/XX/XXXX a judgment of {$1500.00} was against me in favor of XXXX XXXX XXXX.
Because we want to proceed to the closing of the loan the Title Company tried to contact XXXX XXXX XXXX but was unable to locate them anymore. After a lengthy research they found that it is now handled by the XXXX XXXX. So the XXXX XXXX XXXX XXXX immediately reached out to the XXXX XXXX to get the payoff amount but to no avail. The XXXX XXXX XXXX XXXX have reached out to XXXX XXXX 10 times between XX/XX/XXXX and XX/XX/XXXX. They have talked to several contacts on several dates and did not get the payoff needed. We are unable to move forward without a payoff from XXXX XXXX. I myself attempted to call several times and the same result. It's costing us more due to the interest lock in had expired.
I need your help please!! My case number XXXX and the XXXX XXXX phone # XXXX. The last contact made by the Title Co. was on XX/XX/XXXX and was transferred to lien specialist at Ext XXXX, spoke with XXXX and my name was provided and she stated that she didn't remember seeing that account but will review the request and will get to us as soon as possible.
|
| 09/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them.
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and XXXX XXXX well as XXXX XXXX, how can they both be open? XXXX fixed that with dispute. XXXX didnt update after disputing, XXXX has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports.
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with BOW ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and XXXX are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with XXXX due to these specific errors. Thank you for your time.
|
| 10/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX ). Open account was {$690.00} paid in full as of XX/XX/18 Got the attached letter it was paid in full as of XX/XX/18.
Contacted XXXX XXXX as they are the primary account holder and the above are a 3rd party.
XX/XX/18 Contacted an agent named XXXX ( XXXX ) at XXXX XXXX central time requesting that once they received the payment in full that a deletion letter will be sent out. It was confirmed on the phone by XXXX that yes once the account was paid in full that it would be deleted from my report.
XX/XX/18 XXXX XXXX XXXX at approx XXXX central time and he told me that is not the process of how this works that it would be just a paid in full. I asked if he sees the notes on the account that agent gave incorrect information. He said that he would have to transfer me to her supervisor. I asked about the notes on the account and they said they conflict with the policy. I asked well that was not what I was told and then he tried transferring me to a supervisor named XXXX XXXX. Calls was disconnected and she called me back at approximately XXXX central time. She had all my information pulled up already. She said on XX/XX/18 that the information was the true information given and told me that I should know the policy. I replied back that I do no know the policy as XXXX told me on XX/XX/18 that a letter of deletion would be given. She told me XXXX gave me inaccurate information. This is not my fault as I do not know what the policy is. And because I was given this information from XXXX and I have it noted of the date & time of the call and possibly notes on the call that this should be honored. I also asked for a transcript of the call and XXXX was unable to do so.
|
| 08/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Over a year ago I requested, in writing the Midland Credit Management no contact me via telephone and only contact me in writing. I made a payment arrangement with them for 2 monthly payments each month and had automatic payment put on it. After 8 months, I had to change my debit card because it was compromised and I immediately contacted XXXX via the payment portal, updated my payment method with the new card and then wrote them as well and asked to have the account updated for ALL the payments ( to use the new card ). I received a email confirmation that this had been done. Around the end of XXXX I started getting phone calls from XXXX on my voicemail. This directly violated the request FCRA request to cease contact via telephone for me. They continued to contact me every other day until XX/XX/22 when I called them to see what they wanted. I was told my plan had been cancelled and that I was delinquent in my payments. I was shocked needless to say. During the call I arranged to enter the same payment arrangement ( XXXX XXXX x a month ), and provided the new debit card AGAIN, specifying that all the payments should be made to that card. He informed me that I would be charged that day, which my bank account verifies I was. I thought things were fine. Then I started to get calls from them again, again violating the request that I'd made and when I went onto the website recently I specifically checked only contact me in writing. I recieved today account summary stating that I still owe for the XX/XX/22 payment, which was supposed to have gone through on XXXX! I told the company to only contact me through email or postal mail.
I am filing this complaint because they have violated my written request to stop calling me.
|
| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by Midland Credit Management , INC about a Credit card balance owned on a XXXX XXXX Bank in the amount of {$2800.00} that was open back on XX/XX/XXXX under my personal information including an old address from which I had moved out on XX/XX/XXXX to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from Midland credit that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a XXXX credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by Midland Credit Management , INC, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.
|
| 08/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Dear Sir or Madam : I am a XXXX and XXXX of my older Parents ( ages XXXX and XXXX ) who reside with me. I am writing this letter because I am a victim of a fraudulent scheme by Midland Funding LLC, concerning my old closed XXXX Bank XXXX credit card account for which the sum of {$330.00} was Charge Off on XXXX XXXX, XXXX, ( see enclosed copy of printout bearing the stamp from XXXX XXXX XXXX, Exhibit XXXX ).
On XXXX XXXX, XXXX, Midland Funding LLC., filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX ( Wrong Bank! ), and demanding {$960.00} ( Wrong Amount! ), with identical Affidavits of its employees XXXX XXXX and XXXX XXXX claiming that my account had been Charged Off on XXXX XXXX, XXXX ( Wrong Day, Month, and Year! ). ( See copies of Claimant and Affidavits as Exhibit XXXX ). However, I never received a response to my request for verification of the debt and documentation concerning the amount and ownership of the debt ( See copies of letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, as Exhibit XXXX ).
Last Year Midland Funding LLC was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XXXX/XXXX/XXXX, to XXXX XXXX XXXX, where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00} ( see copy as Exhibit XXXX ) which is {$970.00} more than what I owed XXXX XXXX XXXX, ( Not XXXX XXXX XXXX, as claimed by Midland Funding LLC ).
Last Year, Midland Funding LLC paid XXXX Dollars to Office of the Attorney General as a settlement for filing false claims against NY Consumers, but it continues its Illegal Behavior, using the Courts as a tool.
|
| 11/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I'm having financial hardship and I called to see If I could settle both of my debt accounts but the problem is that I'm being put to be handled on the Spanish department over the phone and I don't Speak Spanish that much to be honest, I'm guessing that they put me there because of my name which I understand the confusion but I'm not so fluent with Spanish to be honest, I understand the mistake that they made by placing me on the Spanish Department but when my husband was speaking with them he asked to be transferred to a domestic representative for some reason they keep trying to change the topic and not do our request by bringing something else up and trying to avoid our requests, at one point we had to tell the consumer service agent to take us to a local representative three times after she kept saying that she will transfer us to the Spanish department and so she tried which made my husband mad because we had been trying to contact with them for about an hour and we felt like they did not tried to cooperate with us and where just giving us excuses, that made us not want to deal with them no more, and even if they were to speak English I would not feel comfortable speaking with them.
Also when we first called to a domestic representative we were told that my file had a Spanish code on it so only the Spanish department could access my file which is the main problem of this complain, We where also told by the Spanish representatives that that code had been already taken off but when we call a domestic representative for some reason they say that the code is still there and because of that they can't access our file and help us and I feel that they're trying to keep us on the Spanish department for some reason.
|
| 02/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
In XX/XX/XXXX I was notified from Superior Court of New Jersey Law Division XXXX New Jersey for a credit card balance Docket XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency Midland Funding L. L. C. with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX it is XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) file. I went to Superior Court in New Jersey, XXXX County to answered that lawsuit. Therefore, few years ago I called Dell to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to XXXX XXXX XXXX for {$500.00}. Also, XXXX XXXX XXXX harassments a customer from credit cards made business with bad manners to get wealth. XXXX XXXX XXXX harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX City knocked my door in my house. The Sheriff come to my home because XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX ) This account is from XX/XX/XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.
|
| 07/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with Midland Credit Management . There have been repeated threatening calls and just today on XX/XX/2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XX/XX/2019 they will pursue litigation against me.
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting.
The company responsible is Midland Credit Management with address : XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : Midland Credit Managment , Inc XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, XXXX XXXXXXXX XXXX Rewards with some listed Account Number : XXXX Reference MCM Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue.
I also do not see this debt reporting on any of my credit reports.
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Midland Credit Management I am writing this letter in response to the phone call/letter received from you on ( XX/XX/2021 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you, XXXX XXXX
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.
Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX
|
| 07/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
So several years back someone opened a XXXX XXXX credit card in my name supposedly someone used it in Ohio for XXXX dollars well I disputed it because they supposedly hit the card with several fees and maxed it out in just their charges. I asked for them to verification of there claim by providing me with true and certified copies ( NOT photocopies ) of the Deed of Assignment ( Not the Notice of Assignment ) and Deed of Novation. I also requested the name of the individual who is. the duly authorized representative from their company, who has seen the Original Note and is certifying these assignments as certified copies and that their company now has the Original Note ( Credit Agreement ) under penalty of perjury diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. They couldn't provide anything. So I disputed it with CFPB and it disappeared you guys resolved it.
So over the past few years This Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX kept popping up on my credit report claiming they are collecting the debt for XXXX XXXX I disputed it with all three credit bureaus asking them to remove it because this company is fraudulently collecting on a debt that was not mine about 2 years ago they popped back up on my credit report I disputed it again now they are publishing I owe them money on a debt that was proven not to be my several years ago The credit bureaus in full Knowledge of this are still allowing them to publish the debt I asked them to prove it is my debt Not my name not my social but buy the original not or deed or novation or at least by my original signature signed in blue ink and they have failed to do so.
|
| 07/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
|
| 01/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently was informed ( after a title search on my property ) that there was some judgement ( I was never aware of ) for Midland Funding. I have never had any sort of relationship with this company. Therefore, I have requested ( with no response ) how they somehow obtained some debt, judgement for me. I did a search online. I see that Midland Funding and Midland Credit Management have partnered to service accounts ; per this website I came across https : //www.midlandfunding.com/. More importantly I came across this site from a law firm which references many violations per the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, etc. I believe these complaints should be taken seriously and investigated. I am another consumer with similar complaints. Perhaps the Attorney General should look into this company. Some of the consumer complaints are serious as it is on borderline of harassment, illegally debiting customers ' accounts, etc. I want to know how this Midland Funding obtained some ( so called debt ) and judgment for me. I would like an explanation of an itemized transaction history, previous charged off accounts, creditors, payoffs. Midland Funding more than likely obtained a charged off debt from another creditor. I want to know who the original creditor is. I feel more comfortable paying that ( original creditor ) I owe debt to directly, since I might have had a prior relationship with them. I don't have an account number, only a document which provides Court judgement info. I will request a court/judge demand the information I am requesting if it isn't received. Also, a judge to vacate judgement for lack of service. I never received any notification from Midland Funding. XXXX XXXX XXXX
|
| 11/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
I contacted Midland Funding on XX/XX/XXXX to request a hardship on a XXXX XXXX ( XXXX ) collection account. After reading in Midland Fundings website it clearly states : -We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues.
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster.
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss.
I informed the company of my medical diagnosis " XXXX XXXX '' I was diagnosed in XX/XX/XXXX. Because of XXXX treatment I was unable to maintain my employment with XXXX XXXX. I lost my housing during that time as well. Over the last 2 months my children and I have lived at XXXX XXXX. And I receive {$380.00} monthly in child support.
On XX/XX/XXXX I faxed over documents : verification of shelter stay, and court ordered child support. I was told by my account manager that I did not qualify for a hardship. I stated THEIR company verbiage that according to them qualifies you for a hardship ; which is listed not their website. I was instructed to resubmit the documents and I would be notified through mail. I told my account Rep that I did n't have a current address, she then stated that she would contact me via telephone with the status approval/denied. As of today XX/XX/XXXX I have not been contact by anyone at Midland Funding LLC.
|
| 12/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear.
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
|
| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
on XX/XX/2021, I sent 4 Certified letters to Midland Credit Management Services regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges.
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing Midland Credit Management said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.
|
| 07/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
In the process of reviewing my credit report and taking care of any old debt, I have tried multiple times to resolve an old account with Midland Credit Management originally held by XXXX Bank ( XXXX ) from 4 years ago. I never received specific merchandise ordered or it was either lost/stolen. I requested that the lost merchandise be removed from my account. It was not. I have never received acknowledgement for a credit. Instead, the account was written off by XXXX XXXX now Bluestem ) and transferred to XXXX, who continued to bill for the merchandise and charge interest even though I requested a credit in 2013. I once again disputed the amount owed and tried to resolve the matter. Once I contacted them, XXXX began contacting me at my employer with letters and calls despite my requests to stop. They also continue to ignore my request to provide a full accounting of merchandise ordered. The only thing I receive is an invoice with an amount due. I am already in a class action suit for XXXX 's poor collection practices. I believe the continued barrage of calls and letters is because any settlement monies I receive, XXXX go to amounts XXXX claims I owe, which I dispute. I work for a law firm, so the continued letters and calls caused an issue with my employer. After continued requests to remove the amount billed for the unreceived merchandise, I am now receiving a barrage of letters to my home, and still no response to my dispute or any offer to settle the matter I have also attempted to resolve direct with XXXX, who refers me back to XXXX XXXX. XXXX 's collection practice, I believe is a violation of fair debt. I want to resolve this matter, but have been unsuccessful and the charges continue to increase.
|
| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this account listed on my account less than 30 days ago and through CFPB and received a response that did not provide me with the verification I requested.
What I requested was : Please note that I am requesting validation ; that is competent evidence bearing my signature.This was not provided. I was given a letter in which included a pile of bills saying I owe {$2100.00} on my credit report states {$2100.00}. You are violating my rights.
I filed a complaint with Better Business Bureau this account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 01/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On the XXXX of XX/XX/XXXX, My bank account had a judgment Levy without my acknowledgment and notifications letters that were sent to an address I never lived at 6 hours from where I reside. First dispute. 2nd the money taken from my bank account was saved from workers compensation checks ( from XXXX ) code ccp 704.160 in the amount of {$3800.00} which left me with {$0.00} balance and unable to pay bills even let alone gas for vehicle. Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX a 3rd party collections agency ( XXXX ) XXXX When I asked about proofverification of debt and why I never received any mailed letters they responded that they were sent to a city I never lived and if I didn't receive them to do my own investigations with County where I reside. Indeed I did. I filed a claim of exemption XXXX XXXX and financial statement XXXX XXXX and physically delivered XX/XX/XXXX to XXXX which was 2 hours from where I reside due to time sensitive dates due to no verification letters. They have 15 days to contest by XX/XX/XXXX and I may have to face a judge if so. My complaints are as noted no verification letters of debt, judgment letter sent to wrong address and theft of my XXXX/workers compensation money in XXXX XXXX account. XXXX sheriffs office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX handled all the judgment paper wk and I live in XXXX county 2 hours away. Can C.F.P.B please help in this time-sensitive matter and reach out to Midland funding and or XXXX. Sherriffs office. I could use the great service you offer to people such as myself. Filed exemption forms on XX/XX/XXXX. Midland has 15 days to contest so anything C.F.P.B can do in this time frame would be greatly appreciated.
|
| 09/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX.
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount!
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX.
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!!
Before this Agency it was a {$16000.00}. Dollar debt!?!
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed.
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..
|
| 03/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i sent a letter to midland credit management on the XXXX of XXXX and hasn't received a response to this letter : XX/XX/2021 MIDLAND CREDIT MANAGEMENT , INC ATTN : XXXX CALL, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$310.00} Dear MIDLAND CREDIT MANAGEMENT, INC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
cc : Consumer Financial Protection Bureau via fax XXXX
|
| 11/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
|
| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a credit card from XXXX XXXX XXXX XXXX XXXX # XXXX. Because of my financial hardship, I stopped the payments of my credit cards in 2018. This yrs I am working so I called my credit banks to make some payment of my card debt. It was sold to Midland Credit Management. I made an arrangement agreement for the amount I can afford until it's paid in full. They also mentioned that I owed {$340.00} in the other card account from the same bank the XXXX. I said right away that isn't mine because we already discussed the payment on the card that I owed. I only have one account with XXXX XXXX XXXX. I disputed that one. They said they will put in dispute. Last XXXX, I got another letter and a statement of the credit card I signed the form disputed and mailed back to them.
I got the same statement from the same card today. I called and I told the female Rep. with XXXX accented that this account is not mine why would XXXX XXXX XXXX give me two accounts? I mentioned that more often when a card is compromised the credit card companies will be closed the account and issue a new one. But I only have one account with XXXX XXXX XXXX. She then told me that since you were disputed this charge that you need to provide me a copy of a police report that I disputed this account. I am not going to waste my time going to the police Midland Credit Scamming me and I am the one who provides proof of the card account that isn't mine.
This company makes me angry stressed out and to waste my time and energy for talking to them, I am working to pay for the bills that I owed. Someone has to stop these people from committing this kind of fraudulent activity consumers and how many of us never report them like I am doing now.
|
| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I was sued by Encore Capital Group in XXXX in the state of Texas for an old debt. I challenged the validity of the affidavits filed during the suit, and even contacted the State of Minnesota to start an investigation in the notary habits of MCM ( based in Minnesota ). The XXXX in my debt case with Encore ruled against me and said that my objections were noted. In XXXX the CPFB filed a Consent order against Encore. Paragraph 146 of the Consent Order states : For the Dispute Affidavit LAwsuit Debt that has yet to be collected, expected to total more than {>= $1,000,000}, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable.
To this date Encore has still not done any of this regarding my case with them. When Contacting Encore they have said that they are not aware of the Consent Order and that the Debt is valid. They took my written complaint to them as a Debt Validation Request, and did not look into the account. If they had they would have seen that my account and the above mentioned court case occurred within the Rlevant Time Period of the Consent order.
I am asking that Encore vacate the Judgment against me, and remove all accounts from my Credit Reports. And that they no longer violate the Consent Order.
|
| 08/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2022 at approximately XXXX, I received a phone call from who later discovered was Midland Credit Management XXXX They asked if I was XXXX XXXX, and I asked who they were, and they said they were with Midland Credit Management, and asked again if I was XXXX and if I was XXXX XXXX 's husband. I asked again, why they were asking and what it was about, they said it was regarding a financial business matter with XXXX and asked again if I was her husband. I finally said that I was XXXX 's husband, and then they said they were with Midland Credit Management calling about a debt with XXXX XXXX Credit Card with a balance of {$840.00}. They then asked what the situation was to make us fall behind and how we were going to resolve this. I told them they were violating federal and state laws by talking to me about her debt and not to call me again. The representative kept on and told me that if I live in Arkansas they can talk to me about it. I told them that they were violating federal law by talk to me and they didn't need to contact me again. They continued to try and talk to me about her debt, and finally I told them that I would filling a complaint with the Arkansas Attorney General, US Attorney General, FTC, and filling a lawsuit for violation right under the FCRA and FDCPA, and hung up.
This is in clear violation of Title 15 USC, Chapter 41, Subchapter V, Section 1692b ( 2 ) and Section 1692c ( b ), which states that they may only ask location and contact information from a 3rd party, but may not disclose any information relating to the debt, like creditor name or amount of debt. Arkansas has a similar law, ACA 17-24-504 ( b ) and 17-24-503 ( 2 ), which says pretty much the exact same thing.
|
| 09/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On about XX/XX/XXXX through XXXX of XXXX, I have contacted XXXX and inform them of my hardship and that I wasn't able to make the same payments that I was making nor to pay off the credit card in full like I normally was doing. I asked for assistance in paying less of the minimum until I pay off the account, suggested to payment arrangements, and or freeze my account from recurring past dues and interest charges. Of course, they treated me calling every day at all times to the attempt of harassing and not helping me at all.
On XX/XX/XXXX I was hired to work at the XXXX XXXX XXXX XXXX XXXX XXXX in which 3 weeks later I was let go being sued according to some workers that came to my attention with it when I asked for assistance I was turned down and because of this sue allegedly reasoning for termination of my employment with no warning no discipline actions of any kind. The information is given " didn't work out because I wanted to serve the communities and children '' ( low blow ). 3 days later this woman hired to deliver the court hearing threatened me if I didn't open my door and let her in. Her on words I have something to give you, you need to open the door, and if not everyone will know your business. She continue pushing my door louder and demanded for me to open my door. She was impersonating to be law enforcement didn't provide her name nor company she was representing. She continued to intimidate me by saying I have taken pictures of your car as well. The company suing me is called Midland Collector Management and the law firm working for them has not made an attempt to answer the letter requesting information as far as I do not know who is Midland Credit Management Inc. My case is XXXX
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2020 I was served with a Civil Summons under file # XXXX in the state of North Carolina XXXX County by Plaintiff MIDLAND FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX for an old XXXX XXXX account that was purchased by Midland Funding LLC. I was never notified of the sale of the debt between Midland Funding LLC and XXXX XXXX and now Midland Funding LLC has threatened to sue me and place a judgement on the account on my public record file. I am a NC commissioned insurance agent and must report all civil or criminal issues to the Insurance Commision and can loose my license over this matter. I went to XXXX Co courthouse to file a answer to compliant on XX/XX/2020 and request further information and full disclosure of all transactions on the account. I reached out to the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to attempt to get a settlement agreement and was told that they offer no agreements and if I still make payment they still will be place a 10 year judgement on my public record. I spoke with a supervisor XXXX and was advised that even if I do settle I must sign their consent form that allows their law office to place a 10 year judgement on my records. This should be against the law somehow. I contacted other debit collectors and have never had this situation happen before. I am try to refinance my home and as a new agent I haven't been able to gain full time employment during the pandemic. Now I'm faced with charges on my public record and unable to refinance due to this issue with this lender. Please help me I am now awaiting a court date since I am choosing to go to court to see a judge regarding this issue.
|
| 06/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Billing Inquiries XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam : I am writing to dispute an account ( s ) fraudulently opened in my name. I am a victim of identity theft In addition, did not open any account you currently are listing for me. I am not responsible for any charges made to this account.
I was just told by your associate over the phone to submit this letter to have the account deleted from my SSN and taken off my credit file. My SSN is XXXX-XXXX-XXXX I have already filed with the credit bureaus that I have ID theft and they have place credit freeze on my credit file. Please close the account ( s ) immediately. I am requesting a letter from you all that the accounts are closed out and removed from my credit report as of today due to these are fraudulent account ( s ) open in my name, SSN and DOB. I am working with credit bureaus so I am requesting a formal letter you all have taken care of this matter.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX Veteran I have also sent this to Midland Credit Management, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX This was Fax over to them to Fax # XXXX-XXXX-XXXX-XXXX I have also done mulitple dispute thru the XXXX. They just keep update my credit file with information that is not mine.
I have told both of the companies I never open a Credit Card from their bank. I have requested them to delete it from my credit report. Both of them companies are giving me the run a around. Especially XXXX XXXX XXXX, they keep changes what I have to do. I officially sent them letter in the mail. They have not even responded back from it.
|
| 03/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
So this goes back to XX/XX/2022 I received a letter in the mail that they were gon na take me to court and sue me if I did not pay debt by the end of the month. I waited till the end they didnt take action they just kept calling me and harassing me I have screen shots of the numbers they have many phone numbers. Midland credit XXXX is the name of the company. So they never sued me it was just a threat come XXXX I got tired of the harassing phone calls so I was contacted by Two different Numbers the same day by midland credit I have a XXXX so it says midland credit and then the number XXXX XXXX I have them screenshot and also in my notes I wrote down XX/XX/XXXX at around XXXX XXXX I was contacted by midland I told them that I wanted a debt validation letter and they said they didnt wan na go that route, they want me To pay in a payment plan, I said XXXX no we wont go the route you want we are going the route I want and she got upset they told me they were audio recording my call so I know they got that on file well after that I didnt receive a letter 30 days latter I waited and waited till pass three months and now I receive a letter again in the mail for a payment plan that I could do payments as low as XXXX $ a month and have till XX/XX/XXXX to respond honestly I am so frustrated and cant be in peace that they are after me for a debt that they can not validate on me if I have to I will sue them For reals for harassment and playing with my rights this is abuse and I hope you guys cant do something about it I have a lot of photo evidence against midland credit XXXX they are a bunch of rats I have paperwork from up to a year ago they can not really provide validation only the bought information
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/21 at XXXX Company MCM , Midland Credit Management XXXX called me from XXXX and asked for my husband. I told them that I was at work and I'm not him but the person on the phone launched into a spiel about being a debit collector, call being recorded and proceed to tell me all the information of the debt. When I stated that it's a violation of law to do this in my state, as here in my state the law is " Communication with third parties Except as otherwise authorized in this rule, without the prior consent of the consumer provided directly to the debt collector or collection service, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the collection service. '' and I am none of those thing. So they have violated law by disclosing the amount of the debit and company it is for. All they can ask me is if I know how to reach him.
At this point they hung up on me.
I called back, and said I wanted them to know it was an issue. He said he'd mark my number as a wrong number. I said it wasn't a 'wrong number ' but the tactic they are using isn't legal. He hung up on me again. Called again and asked for a supervisor, have been on hold for 15 min at this point. I have to go back to work so I can not try to talk to the company any longer.
This is not my first encounter with MCM using questionable methods and I am really tired of dealing with them in anyway.
|
| 08/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Midland Credit Management has been harassing my son ( who is in college ) and myself for the past 3 months by calling us with various telephone numbers. They contacted my son again on yesterday, while he was in class, stating that it is an absolute emergency and urgency that I be reached because I could be in danger. They never acknowledged what the problem was about. Seemed like the perfect scam to solicit funds by fast talking and creating fear of a relative.
Yesterday, my son called and gave me one of the numbers. They were trying to solicit my personal debit/card information and were n't professional at all. They had foreign accents and had practiced exactly what to say for any occasion. Once, I made it plain that they would n't ever receive my personal information they wanted to know why? They said the following : ( 1 ) We need your personal debit card or credit card information for a debit.
( 2 ) Why wo n't you give us your information? This is n't a scam. It really is n't.
( 3 ) We have been contacting your son ( 4 ) We just need to keep you on the phone a little longer because we want to talk to you.
( 5 ) I 've sent you two emails and it shows that you 've received them both. Have you gotten them yet? Stay on the line until you have received them.
I never received the emails and I hung up! They have called again today and I have blocked the number. I am really wondering if this company was sold my personal information from another company? How would they be able to receive my personal cell phone numbers of my family members? I want the calls to stop because I feel that my personal life has been violated and anything that you can do to help will be greatly appreciated.
Thank you
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
|
| 06/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I had been dealing with Midland Credit Managent regarding a debt. After a lot of correspondence and phone conferences over years, we struck a deal on XX/XX/2022. I agreed to pay approximately {$1200.00} in full and final settlement. The agent I was dealing with sent me an email stating the amount as describing the payment as a " down payment ''. I explained that something which said " payment in full '' was required before any payment would be made. I even offered to send a check that said " payment in full ''. The agent had me read the email again and told me that the payment wasn't a down payment and he didn't have a form that said " payment in full ''. This seemed quite strange to me, how could a large debt collection company not have some kind of paid in full form? I again informed him that there would be no payment without an indication that the account was paid in full. He became quite abusive - nasty and insulting. This made me even more suspicious and I terminated the call after speaking with a supervisor. My feeling was that after payment MCM was going to come back and say that the payment was only a down payment and money was still owed.
Because of my precarious financial situation it was important for me to resolve this. Because I was aware of a number of lawsuits and other actions against MCM it would have been stupid to accept someone's claim that " down payment '' equaled " paid in full ''.
I have attached the email. Please note that nowhere in the email does it say " payment in full ''. This language could easily be describing a one time down payment with other payments to follow. If the payment is meant to be payment in full, why would a legitimate company not just say so?
|
| 05/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a XXXX XXXX from a New Jersey venue case. Problem is I domicil in XXXX and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me.
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; XXXX XXXX. I called XXXX many times and to date, have not been able to speak to anyone.
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail.
I truly have no idea what this is about, and I am unable to contact XXXX, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm.
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.
|
| 05/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management has sent me four collections letters ( Three threatening ) to collect on a debt from XXXX XXXX XXXX.
On XX/XX/2019 I sent them a letter requesting validation of the debt. I requested breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I sent another letter on XX/XX/XXXX that was sent certified Mail requesting the same information.
Prior to sending these two letters I received a " pre-legal '' notification letter stating they were considering forwarding my account to an attorney for possible litigation.
On XX/XX/XXXX I sent a settlement offer, not admitting to the debt, but to close the account including a check for the amount offered. The check was not cashed. On XX/XX/XXXX I received another threatening letter stating they were going to forward my account to an attorney for a lawsuit.
On XX/XX/XXXX I sent another letter stating they were in violation of the FDCPA and asking again for validation of debt and breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included.
On XX/XX/XXXX I sent one more follow up letter that was exactly the same as the one from XX/XX/XXXX.
On XX/XX/XXXX I also received another letter for notice of possible attorney review.
I have yet to receive any proof of this debt after 3 requests and a settlement offer. I am asking you to step in as they are now in violation of the FDCPA. I have kept track of every communication with them and all they keep sending me are threatening letters, no validation of this said debt. I have yet to receive any proof or details in regards to this debt as requested by me 3 times in a 60 day period.
|
| 10/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX, 2015 Midland Funding LLC sued me in XXXX XXXX XXXX for an amount they alleged I owed on a XXXX credit card. On the afternoon of XXXX XXXX Midland 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 Midland took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with Midland to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to Midland Funding via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount Midland agreed to and despite the fact that they received this payment, with no other notice to me Midland took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that Midland Funding LLC has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.
|
| 12/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The account in question was written off by the original creditor from charge-off in XXXX, I received a 1099C and paid this amount through means of taxes from filing as income ( as required ) when received.
On XX/XX/XXXX, I received a letter from XXXX XXXX stating that on XX/XX/XXXX the account was sold to Midland Credit Management.
Midland failed to send the appropriate information or any communication of any kind until XX/XX/XXXX ( which is past the 5 days ) of that date of sale.
The materials requested by myself were as follows : - Original contract between myself and XXXX XXXX with signature - The Purchase Agreement between myself and XXXX XXXX with my signature - Midland 's License/Agreement to do business within my state of residence ; and if the sold account belongs to any other company, what is the licensing/contracting agreement between that company and Midland Credit Mgmt.
- Any contractual obligation with Midland with my signature on it annotating I am legally obligated or in any binding agreement with Midland to pay a charged off amount which was 1099C'ed.
- A itemized breakdown of any presumed charges on the account which includes interest charges on the account, any additional fee 's added to account throughout the life ( to include after default/charge off ) ; the last date a payment was made on this account - Provide any proof of service for delivery of items to validate/verify receiving of these documents ( which they have no sent ).
On XX/XX/XXXX, a separate letter was sent ( with none of the material above given ), as a " Pre-Legal Notification '' ( which in the context of the wording can is threatening legal action ) which is a direct violation of the FDCPA.
|
| 03/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Midland Credit Management has acquired a debt I incurred with XXXX XXXX. I believe this is for a XXXX credit card account with XXXX as the issuing bank.
Due to loss of job and income shortly after the Covid epidemic began, I have been living entirely on Social Security for the past year. This is subsistence-level income and has caused me to default on debts that, until a year ago, were up-to-date. ( My credit score a year ago was around 775. Now it is below 500. ) In a letter dated XX/XX/2021, Midland gave me until XX/XX/2021 to settle the XXXX account or face " possible litigation. '' The amount demanded by Midland is {$7700.00}. My XXXX credit card had a credit limit of either {$2500.00} or {$3500.00} -- I do not recall which. Assume {$3500.00} for the moment. The account has been in default since sometime last summer. That's about 8 or 9 months. Even with interest and penalties, there's no way that a {$3500.00} original balance can more than double in less than a year. I believe {$7700.00} is a fraudulent amount.
Midland has a history of such behavior, for which CFPB has sued them twice. The second lawsuit I understand is because they violated the consent order from the first lawsuit.
I have no explanation or itemization of the {$7700.00} amount from Midland. Previously I received itemized statements from XXXX, but those statements reflected charges, interest, and fees in proportion to my credit limit.
Please demand that Midland provide a detailed accounting of how this balance was derived. Furthermore, if CFPB finds that Midland 's behavior in this matter violates the FDCPA or previous consent orders, please require that they desist from the collection of this debt. Thank you.
|
| 02/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I confirm that I have received written communication from you dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wherein you make reference to the above captioned matters.
It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX and XXXX, XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX and XXXX, XXXX, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX XXXX, XXXX and XXXX, XXXX, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX and XXXX , XXXX .
If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX and XXXX, XXXX, as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX and XXXX XXXX.
|
| 12/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am on XXXX and I only get so much money a month, I was doing very good with all of My Accounts until My Daughter and Grandchildren had to move in with Me and she had no job and was not getting child support, Adding XXXX people to a XXXX Person income hardly leaves XXXX cents left till the next month ... I have explained this to every Creditor I have and cut up every credit card I have.. I am not saying it was not my debt but if you do n't have it then you do n't have it .. Some months I can buy all my Medicine, other months I can only buy the ones to control my pain .. I Live on Yogurt and Dried Cereal 99 % of the time ... I know there are XXXX liens on my credit history and Midland Group just won a {$1300.00} + Court Costs and I talked to XXXX of the Attorneys the day after I was Served with a Subpoena and was told that if I did n't show up that the case would just remain open, NOT A Judgement for Default for not appearing .. I have a very hard time getting around and spend all of my time in bed because it is the most comfortable for my body, I leave My House every 3 months and that is to see my Dr. My Meds are even Delivered by the XXXX In XXXX XXXX That is the ONLY time I leave my home .. My Meds are very strong and I do n't like to drive to much on them and I have become a XXXX on top of the rest of the above ... I have lost my will to care about Myself and Yes I do Stress about Owing Money to Others ... I feel like a failure of the biggest kind, but as a Mother and Grandmother, I can not allow them to suffer or be homeless. I am terribly Embarrassed and feel Completely Dishonorable.. I ask that you find a way to forgive Me and My Debt in all cases .. Most Humbly and Embarrassed ...
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
First the " What best describes your problem '' options had nothing remotely close to my situation. I picked one, but it really doesn't come close at all.
I have two debts in collections with MCM ( Midland Credit Management ). I received a call in XX/XX/2019 from " XXXX '' who wanted to set up a repayment plan. During that phone call, on several occasions, he mentioned that as long as I made payments, they'd report to the credit bureaus that I was making payments ... something that I know is seen as a positive on my credit score. I made a payment arrangement on each of the two accounts, one I was told would pay off the account when the agreement was complete, the other wouldn't. I started making payments as of that day, and have kept up with the agreement every month since.
I check my credit score regularly, as I am trying to repair several issues, and over the last several months was surprised to see that there was no change to my score and no change in the reported status of these two accounts. So, a week or two ago I called MCM to find out when they'd start the reporting they'd promised. I was informed ( by someone else, I don't know who ) at that point that they do not have any plans to report anything about the debt at all until it is paid in full. It will continue to show as being in open collections until that point. This is absolutely NOT what we had discussed and I am very frustrated by the situation.
I called again today to be sure I fully understood the situation and was once again told basically, " I'm sorry, I don't know what you were told initially, but we will not be reporting anything except the account being in open collections until the account is paid in full. ''
|
| 08/10/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
|
| 03/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period.
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both.
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC.
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
|
| 07/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I get repeated calls from this debt collection agency and every time I answer it, I say 'hello " 3-4 times and the call ends on their side. I am working when these calls come in and it is unacceptable. Today I finally took time from work to call this phone number back. I reach an agent with Midland Credit Management. Allegedly they 'bought ' a debt from XXXX. I asked this person for a debt validation letter to which she responded " We sent you one in XX/XX/2021 and can not send another but we upload all documents to our website that you can access ''. I educated this person that I am not comfortable entering identifying information on an unknown website and asked, again, for signed documentation that this debt belongs to me and a copy of the debt validation letter allegedly sent to me this year. The person argued that they can not send a new letter. Educated person that I am only requesting a copy of the letter they are stating they sent to me as I never received the first one. She said they can not access documents to resend and again referred me to the website. I explained the the person that if they are sending me anything that they should be saving/uploading the original letters and they should be accessible to be resent. This person and this agency is refusing to provide me with any proof that this debt is mine in addition to refusing to send me a debt validation letter via MAIL. I was on the phone with this person for 17 minutes and when I told her to give me the company website, name and address and mentioned filing a CFPB complaint she told me that she was having technical difficulties and I need to call back. I told her that is absolutely unacceptable. The call was ended.
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
On XX/XX/2019, I received a letter from Midland Credit Management , Inc . I almost threw the letter away because of the way it was sealed in two envelopes with no address on the outside of either. When I opened the letter I was amazed and shocked. Midland had purchased a debt from XXXX XXXX. I have never heard of Midland or this bank. This is the first documentation I have ever received from either of them. I noticed the wrong address on the envelope and had seen that address before on one of my credit reports and so I called them. Midland had requested a copy of my report. I have never had any indebtedness with anyone. I decided that my name had been compromised and went to work on " Identity Theft ''. I did find out that this debt company is not accredited and has the lowest of satisfaction " 1 '', the lowest you can go. Consumer affairs has given them an unaccredited brand. I was advised to call Midland, and against my better judgment I did call them and spoke to the rudest, unprofessional person named " XXXX ''. She very loudly started mumbling and I asked her to slow down, I could not understand a word she was saying. She would not. I was trying to tell her that I was questioning the bill sent to me. She did not seem to care and kept mumbling. I hung up the phone. I have started the process of calling difference agencies to protect myself. I have lived in the same house for years and have never had an overdue debt of any kind nor have I received any documentation of indebtedness from anyone. I am not and have never been, past due anywhere. I have excellent credit and do not want this company attacking or putting judgment on my credit rating. Is this FRAUD? A SCAM? I think so.
|
| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX Bank in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating life-threatening medical hardship, which resulted in her being in the hospital and ICU for 34 days. I communicated this in XXXX of XXXX, along with numerous calls to XXXX Bank regarding each account that we had associate with XXXX Bank. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's life-threatening medical condition. In turn, I continued to receive calls regarding the account. At this point. I have received over 100 multiple calls from different pepertrated numbers from this credit collection agency and others regarding this account, which has caused undue mental stress and anguish along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both XXXX military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances. Also, overinflated interests and penalties are incorrect as well which they have in the balance from both XXXX Bank and Midland Credit Management.
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
|
| 05/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A suspicious debt was listed on my report back in XXXX stating it was defaulted & that it was opened in XXXX of XXXX, claiming that I owed money on a XXXX/XXXX account, that I am positive that I had never opened. A year later, this company referred to as Midland Funding Llc, appeared on my credit report, claiming to be the collection agency for XXXX/XXXX. In the past, I had tried to dispute both of these supposed debt reports through the credit agencies with no success. It has been almost 7 yrs. since the 1st listing on my report, & I have NEVER received any notifications from neither the " original '' creditor, nor Midland Funding Llc. If this collection account through this agency Midland Funding Llc was supposedly real, then wouldn't you think that I would have received phone calls, mail, or emails about it already from both the original creditor & this agency, considering it has been 6 yrs. & 8 months since the original creditor stated that suspicious account had officially been opened? To make this even more questionable, this company Midland Funding Llc has violated the law by re-aging this so-called debt on my credit report, thus stating that it was opened in XXXX of XXXX, to keep being able to illegally report this collection account to the credit bureaus for almost 2 yrs. longer than the original supposed account opening date. This isn't right that there are agencies out there, that will go out of their way to purposely break the law in several different ways just to con people into paying a debt that isn't theirs just because they listed it on these individual 's credit reports, & they don't even attempt to validate the accounts at all to make sure they are legit first.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am being contacted by a debt collection agency Midland Credit Mangement, XXXX XXXX, CA XXXX to collect a credit card they claim that I owe to a XXXX XXXX for purchases from XXXX XXXX in XXXX AZ on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Midland Credit is the only organization that has ever contacted me about these purchases in Midland Credit 's claim. No retailer has contacted me at my address regarding the retail items purchased in their claim.
I informed Midland Credit that I am permanent resident of NV from XXXX and have never applied for, received or used a retail Credit Card issued through XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX in the past 10 years.
I am not able to make sense of the credit card purchases in their claim because I am not an owner of a XXXX XXXX credit card. Midland Credit has not provided me information on the way in which this Credit Card is being attributed. They have not provided information on how the indentity of the card owner is established ( by way of an individual 's signature, date of issue, and the address where the credit card was delivered to an individual ). I also requested proof of delivery of the products purchased to my Nevada address and they have not responded to me with any of these facts to validate credit card purchases in their claim.
At this point Midland Credit is simply insisting that I own a credit card I am not aware of, and that I purchased retail products brought in a state I am not a resident of at the time their claimed purchases. If the purchase was made online, they have not given verifiable information on the address and time where the retail products in their claim was received by an individual.
|
| 11/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( XXXX ) AND HAS TO HAVE XXXX WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
|
| 01/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On or around XX/XX/2022, Midland Credit Management served me court papers suing me for a debt they attempted to collect on. Subsequently, they garnished my wages for the full amount of the debt over two pay periods in XX/XX/2022.
On XX/XX/2022, I filed a motion to dismiss the case and have this item removed from my credit reports. Midland Credit Management did not show up for the court hearing on XXXX XXXX, XXXX at XXXX. The judge did not immediately dismiss the case, even though I showed proof of the garnishment.
Instead, the judge held the case over until XXXX XXXX, XXXX, which was the original hearing of the suit filed against me by Midland Credit Management. I did not attend the hearing as I had already satisfied the garnishment suit. Also because I could not get time off from my work.
The case was dismissed/ closed as it was evident that the garnishment was satisfied. However, during the course of several weeks leading up to XXXX XXXX, XXXX, Midland failed to update my records with the credit bureaus and still has not done so. This has caused irreparable harm to my credit standing and has negatively impacted my credit scores and rating preventing me from getting any kind of loans or financing.
I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX ) and the Virginia Attorney General 's office ( XXXX ) based on the predatory practices of Midland Credit Management and their constant violation of the Fair Credit Act and laws. I had also previously filed a complaint against them on this site.
At this point, the credit reporting agencies still show the Midland Credit Management collection, but has reduced the amount owed to {$750.00} which is inaccurate.
|
| 03/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is not my debt. Initially, I received notification pertaining to five separate accounts from Midland Collection agency/Midland Credit Management. For each of these, I sent letters to MCM requesting GAAP debt validation. I never received any documentation in response to any of my five separate debt validation requests requesting GAAP, which in researching this company further with the XXXX XXXX XXXX, seems to be a common practice for this company to not respond to debt validation requests. Despite not following FCRA laws, they have continued to make collection efforts, including reporting this to the credit bureaus, which they are not legally allowed to do without proper validation/GAAP.. I recently disputed this with XXXX. In response, Midland MCM responded to them and said this debt is valid and sent me paperwork which is just their own claims that I owe this debt, no paperwork showing they have any authority to collect this debt or that I ever owed this debt to the original creditor in the first place, there is no documentation from the original creditor at all to support that this debt is mine or that this debt ever truly existed or that this amount is accurate and the letter I received indicated I do not have any of these original credit accounts on my credit report. It is my further understanding that a California agency XXXX has filed a lawsuit against this company for illegal collection practices such as collecting on invalid debts, never providing proof of debts, never having adequate proof of debts.
To be clear, this is not my debt, I am not acknowledging this debt, Im asking for assistance in getting these five collection items removed from my credit reports.
|
| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was driving and I was trying to tell them i had resolved that debt. i asked for them to call me back that I was driving. The only thing that happened was the person got loouder and louder as i tried to repeat that i was driving and behind the wheel in my car. I got upset having someone over power me in my car. I gace up trying to communicate and hung up. I did not want to wreck and my attention was being diverted.I got another call and the person asked if it was mr XXXX I answered yes. She began to try to forcefully as in ovrtpowering the conversation. I had to speak up and I was requesting that her company send me information about themselves and also this debt I had not received anyrhing in the mail. She said they did and I told her I had not received any. she became aggressive again and and all I could do was hollar into phone so she could hear me over her own voice,,, SEND ME THE INFO..and then I hung up. I went back and looked at all my mail and there were no letters as she had said. I called the company after looking up my credit report and seeing what was going on. I got the number and address and called. I wanted to communicate .that I would like a letter explaining the debt. Who it was and when and are you Midland liget? I have just been idenity theft. The man would not take my information I was trying to convey and just began to talk louder and tell me they were going to collect. I tryed XXXXhatI had ro hollar this hoping he would hear me. I got upset again and I had yto hang up. Idecided to see if there were rules to help me as a consumer. I never took any federal or state finds during or at anytime with the covid crisis.
The Complaint is about credit card
|
| 05/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midland Funding filed a lawsuit against me for an alleged debt of XXXX for an original creditor of XXXX. They have yet to validate the debt to me. In response to my original request for validation of debt sent XXXX XXXX, 2016 certified mail, a company by name of XXXX has responded to me and state that they represent Midland Funding in the suit. I never authorized Midland Funding to share any correspondence that I sent to them with any other company. They also have shared my personal identifiers such as social security number as it was listed in the request for validation letter that I sent them. The company XXXX has stated that they " verify '' that the said collection debt is mine because they received a default judgement on the suit -- all which I am currently fighting through a motion to vacate due to their error in not properly notifying me with a summons and complaint copy of the civil suit. I have sent a follow up letter that demands that Midland Funding verify debt with a signed contract, payment history, billing summaries, and legal acquirement of debt from the original creditor, XXXX. This follow up letter was sent on XXXX XXXX, 2016 and they had until the allowed 30 days per FDCPA from the original request for validation which would have been XXXX XXXX, 2016, but I have yet to receive any debt validation. I am requesting that Midland Funding either agree with my motion to vacate the default judgement or file their own motion to vacate based on all the above described. Additionally all three of the credit agencies, XXXX have found the Midland Funding un-verfiable and have in turn deleted the inaccurate reports that Midland Funding had placed on all three files.
|
| 02/18/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX XX/XX/XXXX and finally received copies of statements from MCM after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested MCM to provide details on how the alleged amount of {$1100.00} was calculated, MCM has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX U.S. Dist. XXXX XXXX ( XX/XX/XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account.As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Debt Collector 's Account Number : XXXX Alleged Debt Amount or Balance : {$3300.00} Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX
Alleged Original Creditor Account Number : XXXX Debt Collector 's Account Number : XXXX Alleged Debt Amount or Balance : {$880.00} Dear Midland Credit Management : I recently received communication from you attempting to collect the above-listed alleged debts. Your initial communication to me in an attempt to collect the alleged debts was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debts listed above in their entirety. Further, I request verification of the alleged debts, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditors and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debts and money that I do not owe. Cease and desist all collection activity, including all reporting to Consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my request above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter thoroughly and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Sincerely, XXXX XXXX
|
| 02/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the Judge about the fact that by Florida XXXXtatute77.041 ( 2 ), which states : The plaintiff must mail, by first class, a copy of the Writ of Garnishment, a copy of Motion for Writ of Garnishment, an, if the defendant is an individual, the " Notice to Defendant '' to the defendant 's last known address within 5 business days after the writ was issued, or 3 days after the writ is served on the garnishee, whichever is later. But, the Judge would not acknowledge this offense and violation by XXXX XXXX. I had sent you notification of this under the same complaint number on XX/XX/XXXX. On XX/XX/XXXX I received a notice from you, CFPB, that you had received an answer from XXXX XXXX about my complaint. I called the number given on the letter, only to be informed that I was to fax to you contact information for myself and my Spouse. I faxed this information of XX/XX/XXXX and have heard nothing further from you or XXXX XXXX , XXXX. Besides that, I am still pursuing a reparation from XXXX XXXX , LLC. for ruining my good reputation- and in fact even endangering my employment.
Therefore, I am seeking your well appreciated services to bring this case to a satisfactory closing soon.
Please be aware that the funds that have already been taken through the garnishment are still tied up and unavailable to me.
Thank you kindly for your services.
|
| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX i met with a neighborhood dentist XXXX XXXX XXXX to get an estimate on doing some work on my teeth. the estimate was for quite a bit of money as it involved some implant work. XXXX XXXX 's office proceeded to assist me in applying for XXXX for which i was approved. I didnt want to make such a rash decision on such a big investment and wanted to search for additional estimates through different dentists. I never returned XXXX XXXX XXXX 's office until i received my first XXXX statement which indicated XXXX XXXX XXXX had been paid for work he had not done. I went around in circles with both the dentist 's office and XXXX and assumed it had been taken care of.
Fast forward to XX/XX/XXXX, i received first a XXXX for XXXX and then a few days later a XXXX for that XXXX.
There are numerous errors within this case that need to be further investigated and rectified.
XXXX disbursed funds to the dentist whom had not even performed the procedure.
The dentist accepted funds for work he never performed and the funds should have been returned to XXXX.
I was never served with paper in XXXX and therefore had no knowledge of what was happening. There was no service of process.
It is unfair and unjustifiable that i now have a judgment against me and am still missing teeth since i have yet to haev the work on my teeth done.
Upon learning of the judgment, i reached out to all parties involved including XXXX, XXXX XXXX and Midland Credit Management. I havent heard back from the dentist and have been unable to resolve anything with XXXX.
I have attached numerous x-rays of my mouth along with my dental exam reflecting all my missing teeth that have yet to be replaced.
|
| 12/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a XXXX party would try to reach her about a legitimate business matter.
However, after the first time they said that, I suspected that it was not, in fact, a business matter. It sounded too scripted. Further, I realized that they had not identified themselves. At that point I suspected that they might be a collections agency. To better understand why I was receiving these calls, I asked the person who had called if they represented a collections agency. Not only did they not identify themselves, but they also lied to me about this and stated that they were not. I refused to give them any information and researched the number they called me on online, which is when my suspicions were confirmed. If I had engaged with them in a conversation believing that they have a business relationship with the debtor, they could have extracted far more information than they are legally allowed to collect. When I called them back and asked to speak to a supervisor, they initially refused to let me. I told them it was a private matter, but still they would n't, so finally I resorted to saying, at this point rather emotionally, that I had concerns about the professionalism of an employee. They then transferred me, but all I got was a voicemail box.
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX from the beginning has been communicating with a person other than myself, as seen in the attachment they sent me. Instead of communicating with the consumer/natural person, who is myself, they have been communicating with the organization having the shared name as me. This is a violation of 15 USC 1692c ( b ), for I, the consumer, never gave consent. It also is an infringement on my right to privacy as the consumer.
XXXXk claimed that they honor my cease and desist but not my remedy? These are not separate, and the fact that they are attempting to separate them and think that I would not recognize it is laughable. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. Them honoring the cease and desist is direct proof that they are in the wrong. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).
Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. A bill of particulars is attached. An original writing, recording, and photograph are required in order to prove its content. We both know that bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor. I told XXXX to feel free to attempt to provide a verification proving where else the credit originated. I also told XXXX to provide me with the name and address of the original creditor.
|
| 10/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is in reference to # XXXX by Midland Credit Management , LLC, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from XXXX XXXX for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX.
Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with XXXX, XXXX and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted XXXX XXXX, XXXX by phone on XX/XX/XXXX at approximately XXXX XXXX with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the XXXX XXXX, XXXX records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by XXXX XXXX, XXXX to collect on a balance.
Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.
|
| 11/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Midland Funding has breached the consent order with the CFPB filed on XXXX XXXX, 2015. Midland has violated the order by not providing the required documentation from the CFPB, as the affidavit of sale from the original creditor does not mention, directly or indirectly, any account sold. It specifically does not mention the account that I am being sued upon. As stated in the consent order, section XXXX, Encore, or its subsidiaries ( including Midland ) are permanently restrained and prohibited from initiating a legal collection lawsuit unless it is in possession of a certified bill of sale evidencing the transfer of ownership and, " EACH OF THE DOCUMENTS EVIDENCING THE TRANSFER OF OWNERSHIP OF THE DEBT MUST INCLUDE A SPECIFIC REFERENCE TO THE PARTICULAR DEBT BEING COLLECTED UPON '' ( CFPB consent order sec. XXXX ) The documentation they have provided does not reference the alleged account and the date on the bill of sale and the date that Midland states that they took ownership does not match. I have stated that this account is not mine, I have never heard of Midland Funding until I was served with the legal complaint. Midland can not provide not one signature on a purchase, application, or certified mail, they can not provide me with the credit card terms from the alleged original creditor. They can not produce one single time and date that they have ever spoken to me on the phone. I do n't even have a clue as to what their end game is. I have no money, I do not own any assets, I have XXXX kids, and my bills are more than my salary. Yet they are perfectly willing to ruin my life over a bill that they have n't proven is mine, or that they own. All over {$1500.00}.
|
| 12/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
To Whom it may concern, This is a debt from a credit card from XXXX XXXX Nevada for {$2700.00}. This debt is in collection with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX a Judgment was place for XXXX XXXX.
I was notify on XX/XX/XXXX to attend court on XX/XX/XXXX The following information was provided by XXXX XXXX employee by phone number XXXX to me on XX/XX/XXXX and another employee by phone number XXXX on XX/XX/XXXX, for dates and after asking XXXX about statue of limitation XX/XX/XXXX she refuse to talk further.
This credit card was open XX/XX/XXXX and was last paid on XX/XX/XXXX and went to collections XX/XX/XXXX. XXXX XXXX file suit and acquire a Judgments after breaking law against me on XX/XX/XXXX.
The statue of limitations on this credit card debt has expired on XX/XX/XXXX. Effective on this date the debt is time-barred and debt collectors can no longer sue debtors over the unpaid debt. XXXX XXXX violated the federal Fair Debt Collection Practices Act ( FDCPA ) and the Utah Fair Debt Collection Practices Act by seeking a Judgments on XX/XX/XXXX and XXXX XXXX willfully failed by not adhering to the Utah Fair Debt Collection Practices Act 12-1-8 Designating and limiting activities as to assignments by failing to follow 12-1-8 at the direction of the assignor bring suit as assignee, provided however, that all accounts shall be within the statute of limitations as provided by law.
Now 2 years later on this day to continue to seek payment for a expired statue of limitation credit card and after breaking laws to get a judgment and still after breaking the law by using this judgment to which should have never gotten.
Sincerely,
|
| 01/06/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management , Inc. ( Midland Credit ) is falsely misrepresenting the amount of alleged account XXXX, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Midland Credit provided documentation that shows this alleged account as having a balance of {$1500.00} ( see attachment ). However, Midland Credit has been reporting this alleged account on my credit reports with a balance of {$2400.00}. Midland Credit has also made several attempts to collect the misrepresented amount ( see attachment ).
Midland Credit has stated that they have added interest on this account. However, Midland Credit has not produced any documentation that legally allows them to charge interest as stated in the FDCPA. Midland Credit has not provided a complete transactional history as requested numerous time. Midland Credit has also failed to mention if the interest added was simple or compound, the rate, and the time for which the interest has been added.
This alleged account is not complete and inaccurate. I have expressed this to the original creditor, XXXX XXXX XXXX, and they agreed to delete this tradeline from my credit reports. As of late, they have not reported this alleged account on my credit files.
As per evidence presented above, Midland Credit is in violation of the FDCPA. I respectfully request that this tradeline be removed from my credit reports with all credit reporting agencies, including, but not limited to : XXXX, XXXX, XXXX, and XXXX.
I greatly appreciate the Consumer Financial Protection Bureau 's time and attention to this matter. I would also like to thank Midland Credit for their cooperation and attentiveness to this issue.
|
| 07/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX ( XXXX XXXX XXXX Card ) bought the account I had with XXXX XXXX and garnished my wages. I had been trying to establish a payment t plant with XXXX XXXX but they told me I would have to pay {$300.00} to bring my account current before they would accept a payment plan. I turned to XXXX XXXX XXXX XXXX for help with a Debt Management Program in XX/XX/2017. I added both of these vendors to my debt management program XXXX XXXX in XX/XX/2017 with XXXX payment every month and XXXX XXXX XXXX payments being XXXX a month also starting in XX/XX/2017 and 1 payment of XXXX in XX/XX/2017.
I had tried to contact them several times to set up payment arrangements, emailed, etc with no response. I received garnishment papers in XX/XX/2017. They garnished my wages for a judgement amount of {$1200.00}. After receiving the garnishment paperwork I stopped making payments through XXXX XXXX to MCM & XXXX XXXX. In the mean time XXXX XXXX accepted {$250.00} in payments from XXXX XXXX and {$400.00} was accepted by MCM from XX/XX/XXXX thru XX/XX/2017 for XXXX XXXX and XX/XX/XXXX thru XX/XX/2017 for MCM totaling {$650.00} in payments in addition to {$1200.00} ( the amount of the judgement ) judgement number XXXX dated XX/XX/17, ( long after already accepting several of my payments thru XXXX of XXXX ) bringing the amount they received from me {$1800.00} dollars! I would assume that because the judgement amount was for {$1200.00} and between both vendors they collected {$1800.00}, I would receive the over payment amount that was paid. I feel like I was taken advantage of and pushed around by a bully lawyer and credit card company and they knowingly stole money from me.
XXXX
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company Midland Credit Management ( MCM ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is XXXX XXXX/mo, the other XXXX XXXX/mo. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins at XXXX XXXXand doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.
|
| 09/17/2023 |
Yes |
- Debt or credit management
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
Lack of Knowledge : I have no knowledge of these accounts, and I have never entered into any financial agreements or transactions with the aforementioned creditors. The information provided is unfamiliar to me.
Incorrect Reporting : The account balances mentioned are inaccurate. I have never received statements or correspondence related to these accounts, and I believe that this information has been reported in error.
Request for Verification : I kindly request that you provide validation of these accounts, including any supporting documentation such as account statements, contracts, or records of transactions. I would like to verify the legitimacy of these claims.
I understand that it is essential to maintain accurate credit reports, and the inaccuracies listed above are negatively impacting my creditworthiness. I am dedicated to resolving this matter promptly and ask for your assistance in investigating and rectifying these discrepancies.
I request that you promptly initiate an investigation into these disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results of the investigation. If it is determined that these items are indeed inaccurate or can not be verified, I request their removal from my credit report.
Please acknowledge receipt of this dispute letter and provide a reference number for my records. You may contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to discuss any further information or documentation required to resolve this matter.
Thank you for your prompt attention to this dispute. I look forward to a swift resolution of this issue.
|
| 09/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
On Wednesday, XXXX XXXX of 2015, I was in receipt of a " Warrant In Debt '' which was serviced by a XXXX party service provider, XXXX This packet alleges I acquired an account from XXXX XXXX Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of XXXX times ( i.e. XXXX ; XXXX, XXXX ; XXXX, XXXX ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : XXXX ; their case file number : XXXX ) and I have absolutely no knowledge of this debt. Speaking of Midland Funding and the attorney representation - once a debt buyer and/or creditor purchases a debt then they have up to 30 days to issue a Demand / Dunning letter, and if the debt is to be serviced / collected on the companies behalf through Contingency or Legal strategies then a Demand / Dunning letter is required to be issued to the respective individual several days after placement. In result of such, I was never given an opportunity to dispute any of their claims since a demand letter was not provided and I did not find out about such debt until I was in receipt of the " Warrant In Debt ''. I have a permanent hardship which is not the businesses rights to know my medical history, but these measures are unfair and I 'm being taken advantage of when I did not acquire a debt from XXXX. I seriously do not need to go through litigation for illegal practices on behalf of the new owner and the XXXX party vendor / attorney. To the point - this is not a debt acquired by myself.
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, MIDLAND CREDIT MANAGEMENT who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If MIDLAND CREDIT MANAGEMENT is reporting a debt that I do not owe, they are violating this law. The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If MIDLAND CREDIT MANAGEMENT is operating illegally by collecting debt without being registered, they are violating this law. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and Midland cards are XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and Midland who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 Midland account, XXXX account & XXXX XXXX XXXX : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person.
I have sent a Validation certified letter to XXXX and Midland. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
|
| 02/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a XXXX XXXX credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with XXXX and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
They sued me mid pandemic. Initial amount owed was {$1100.00}. I called to agree to {$990.00} @ $ XXXX/mo. I've made pmts in XXXX, XXXX, XXXX, XXXX & XXXX. But they always report to my credit that i didn't make my pmt and they report a higher amt than I actually owe. I currently owe {$590.00} but they reported that I owe {$770.00} for this month. I've tried to have this corrected directly with them. They have refused to let me speak to a supervisor after multiple requests. I finally filed a dispute with XXXX on XXXX for inaccurate payment history and inaccurate amount. I called today ( as a courtesy ) to let them know that I missed almost three weeks of work due to COVID19 and that I wasn't able to make my payment this month ( the dispute is still pending but I still want to pay them ). I spoke to XXXX XXXX on XX/XX/22 @ XXXX EST. He told me " he doesn't have to defer my payment unless I drop my dispute. '' His exact words! He tried to twist my arm to drop the dispute! I demanded a supervisor and spoke to XXXX XXXX @ XXXX. I wanted to report what the previous rep said to me and that I will not be able to make the payment this month due to COVID19. I clearly told her I did NOT wish to discuss the dispute. She argued with me for over 15 minutes about me dropping the dispute even though I said multiple times that I wont discus it with her. I then asked multiple times if our call was recorded. She replied multiple times that it " may be recorded. '' This company sued me mid pandemic, has been nothing but a hassle, reports inaccurate information to the credit bureaus, refuses to defer a payment due to COVID19 and is trying to twist my arm to drop a dispute.
|
| 10/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Hello my name is XXXX and I am having problems with Midland Funding..Midland Credit Managements and the other names they use.
I was not aware of the debt until several years ago when I received a garnishment notice from my employer.
This amount was subtracted from my paycheck weekly including any taxes.
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing.
Apparently Midland Funding purchased the debt and claims it was never settled.
To avoid losing the home i waited so long for ; I made Midland an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check.
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX.
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse.
They cashed the check and was paid 2 times.
I have even asked to speak with a supervisor. He is never available or he gives me the same answer.
My wife is XXXX and I need this money to help us move into our new home.
It will move things along more quickly before the weather changes Please help us.
I have nowhere to turn..
XXXX XXXX
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called Midland Credit Management, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score.
I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted XXXX XXXX to investigate. However, they have been unable to provide me with sufficient information to validate the debt.
According to XXXX XXXX, the fraudulent charge first appeared on XXXX I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report.
I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible.
As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities.
I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities.
Thank you for your attention to this serious matter.
Sincerely, XXXX XXXX XXXX
|
| 03/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is my second CFPB complaint about Midland Credit, I am now providing further proof that they have been mishandling my garnished funds. I would like a complete payment history from XX/XX/XXXX to the current date. I have asked for this simple request 3 times, and have yet to receive it. I believe as a consumer, I have a right to see how Midland has applied the funds they have received. My paystub garnishments do not match the amount that they are crediting and I am fully aware that there is a {$12.00} sheriff fee that is taken out first. Most of the amounts still do not match. I am enclosing a copy of my last two paystubs as well as Midland 's online account record. You can clearly see that neither of the garnishments have been credited to my balance, in fact the two paystubs, XX/XX/XXXX had a garnishment of {$200.00} and XX/XX/XXXX had a garnishment of {$2200.00} for a total of {$2400.00}. Midland has a credit of {$640.00}???, which is probably amounts the know they have not previously credited and are trying to cover up. Where is the {$2400.00} that I have been garnished for? Please also note that my YTD garnishment as of XX/XX/XXXX totals {$6600.00}, and Midland 's YTD application of funds only totals {$4400.00}. They have had plenty of time to credit these funds, but continue to play games with my money and further they have failed to provide me with the proof of my complete payment history which is most likely to cover-up for their misapplication of my funds. I am asking again for the complete payment history, and an explanation of the amount of daily interest accrual they claim I owe, and a calculation as to how they arrived at that figure.
|
| 01/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was recently informed that this ( Midland Funding ) somehow obtained a judgement against me. I was completely unaware of this judgement which was from over 10 years ago. I am curious to know where they got this debt from. I have requested a transaction history, itemized details of the so-called debt ( all the way to the original creditor ) Also I want to know what previous creditor charged off this deb, payoff information. I reached out to the ( Fair Credit Reporting Act in reference to this matter. I am considering contacting the court ( after the Holidays ) to file a motion to vacate the judgement, since the court has no proof of service. I never received this debt. I came across this article which shows illegal practices with this company, such as robo-signing and other illegal activities. Perhaps this company needs to be investigated. I am still waiting for proof of this debt. I want to know where the judgment originated from. Perhaps the news investigative department can investigate matters such as this. It would be good to see the news go into their office so everyone can see their illegal practices in person. I take this very seriously because I was not aware of this judgment until now 11 years later. I am attaching the document which was provided from a search that was done on the property. I wonder if other consumers are having similar issues such as mine. This is why I thought perhaps the district attorney, congressional leaders, consumer protection bureau, XXXX XXXX XXXX could possibly investigate, look into this situation. Please see the website link pasted here Midland Funding Settles Collections Abuse Probe - CFO. XXXX XXXX XXXXXXXX
|
| 02/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses.
They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated.
Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain.
Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect.
I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.
|
| 11/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, there was a summons placed under my door. It turns out that this summons was from Midland Funding, LLC, and was done with improper service since no one gave the summons to me or a resident of the apartment I reside. Nevertheless, since receiving this summons, I have looked into my credit report and noticed some discrepancies regarding Midland Funding, LLC, on my XX/XX/XXXX, and XX/XX/XXXX credit reports. For example, although it says in my summons that Midland Funding, LLC has acquired my debt from XXXX XXXX XX/XX/XXXX, the amount that Midland Funding, LLC is trying to collect does not match the amount allegedly owed to XXXX XXXXXXXX XX/XX/XXXX( see XXXXXX/XX/XXXXsold-to-midland-funding.pdf ). Basically, according to my XXXX credit report, XXXX XXXX XX/XX/XXXX allegedly claims that I owe {$XX/XX/XXXX} ( although this is disputable since my credit limit was {$XX/XX/XXXX} ). However, according to Midland Funding, the amount allegedly owed is {$XX/XX/XXXX}.
Furthermore, XXXX XXXX XXXX lists my original account number as XXXX. Yet, Midland Funding has my account number as XXXX. Therefore, it appears as Midland Funding, LLC is attempting to collect a non-validated debt through a fictitious account number that never existed in the past. Furthermore, since learning of this, I have since opened a credit dispute with XX/XX/XXXX and XX/XX/XXXXXXXX regarding Midland Funding, LLC 's claim. Concerning XXXX, Midland Funding 's record was deleted, and my credit score immediately increased by 10 points ( see Direct Dispute _ XXXX XXXX ). However, the dispute decision from XXXX can take until XX/XX/XXXX ( see Dispute Summary - Online Dispute ).
|
| 11/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In XX/XX/XXXX, I opened a credit card with XXXX XXXX. I believe made payments until it was paid off and never received a statement to the contrary. I have been receiving calls from a company on their behalf using numerous phone numbers and told the first two or three callers ( approximately XX/XX/XXXX ) that I did n't owe them any more money and asked for written documentation of the debt. I asked them to stop calling. Instead, they continued to call numerous times a day, frequently from two or three numbers in succession. On Wednesday, XX/XX/XXXX, a person named XXXX called my husband on his cell ( he is not on my account and I did not give his number ) and told him I owed them over {$800.00}, that I opened my account in XX/XX/XXXX and stopped paying them in XX/XX/XXXX. She called from XXXX and gave XXXX ext XXXX as a callback. She told my husband she would be getting an attorney to sue me if I did n't respond to her within ( he does n't remember if it was 24 hours or that day. ) Just prior to that, I also received a call. I was at work and could not answer.
Tonight, I received calls at XXXX, XXXX, XXXX and XXXX and my son, who is XXXX, received two calls on his cell phone ( I was siting next to him ) at XXXX and XXXX during which he said it was not my phone number. It was the same person twice.
I am appalled that this firm working on behalf of XXXX XXXX would share my personal information with someone they do not know and who is most definitely not on my account.
Can you help me stop this harassment and get an accounting of what I supposedly owe? It was originally a {$500.00} line of credit and I paid it on time.
Thank you XXXX XXXX
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT has violated these laws and my consumer rights : 15 USC 1692 ( B ) ( 2 ), 15 USC 1692 ( C ) ( A ), and 15 USC 1693 ( B ) ( 5 ). My initial communication with MIDLAND CREDIT MANAGEMENT was on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT stated that they purchase a security from an alleged original creditor. Buying and selling securities is illegal and an imprisonable federal offense. I did not sign a TRI-LATERAL CONTRACT with MIDLAND CREDIT MANAGEMENT. Also in XX/XX/XXXX, I sent MIDLAND CREDIT MANAGEMENT a cease & desist as well as an affidavit of truth. Cease and Desist means communication on all platforms including my consumer report. I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication signed. I have not granted MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
I am writing to provide a personal statement regarding the identity theft incident that I have experienced. I recently discovered that my personal information has been misused without my consent, leading to unauthorized activities and potential financial and reputational harm.
Upon noticing suspicious activities, I took immediate steps to investigate and mitigate the situation. I contacted relevant financial institutions, reported the incident to local law enforcement, and have been working diligently to rectify the unauthorized actions attributed to my name.
I want to emphasize that I had no involvement in the fraudulent activities associated with my name. I am a victim of identity theft, and I am committed to cooperating with the necessary authorities and institutions to resolve this matter promptly.
I have reported the incident to the appropriate credit reporting agencies and have placed fraud alerts on my credit reports to prevent further unauthorized access. I am also working closely with my financial institutions to ensure that any unauthorized transactions are properly investigated and resolved.
I am fully aware of the importance of addressing this matter promptly and thoroughly. I have taken the necessary steps to safeguard my personal information and prevent any further unauthorized use. My goal is to clear my name and restore my financial and personal integrity.
I appreciate the efforts of the Federal Trade Commission in assisting individuals affected by identity theft. I am hopeful that with your guidance and support, I can navigate through this challenging situation and emerge from it with a restored sense of security.
|
| 05/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$1100.00}. MIDLAND CREDIT MANAGEMENT is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. MIDLAND CREDIT MANAGEMENT it is a third party and has no standing to deny my claim. I am aware that MIDLAND CREDIT MANAGEMENT can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold MIDLAND CREDIT MANAGEMENT liable for these violations. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT is in direct violation of 31 U.S. Code 3729 - False claims.
|
| 11/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On the evening of XX/XX/2019, I noticed a paper underneath my door. As it turns out, the paper was a summons from MIDLAND FUNDING, LLC. However, the summons was not handed to me in-person and thus was issued in bad service. Also, the summons is defective as there is no affidavit in support of the summons, no affidavit in support of the complaint, and no contract attached to the complaint to verify that MIDLAND FUNDING, LLC is legally allowed to collect on an alleged debt. Basically, Midland Funding LLC is not the original creditor. They admit to having bought my debt from another third-party creditor. However, there is no chain of assignment attached to the complaint I received. Additionally, the complaint is not certified or stamped with a seal from the court. Please note that by failing to certify the complaint, the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1, where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 ) where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title.
|
| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I recently sent an investigation/dispute letter on XXXX XXXX, XXXX to Mindland Funding which was delivered on XX/XX/XXXX, XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i Midland Funding had 30 days from the date they receive my dispute letter XXXX XXXX ) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still haven't received a validation of this debt which nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX stating stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stated that I did my own investigation and that XXXX XXXX informed me the debt was sold for less then what is being collected for, with a charge off date of XX/XX/XXXX, and the account was opening on XX/XX/XXXX. This is not what my credit report is showing and according to the Fair Credit Reporting Act and The Fair Debt Collection Practice Act these account are to be deleted due to the lack of accurate information reported and not providing validation of the debt in the time frame allowed by FCRA.
I received a letter form Midland Credit Management dates XX/XX/XXXX 4 months after the original investigation letter was sent out stating that their records are reporting correct and another letter stating I was pre-approved for a discount program to save me money. There was no validation sent to prove the debt its real or if the amount is correct. ANOTHER VIOLATION OF MY RIGHTS because I specifically request validation of the debt.
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I obtained a copy of my credit report from all 3 bureaus on XX/XX/2018 and the company XXXX XXXX XXXX XXXX XXXX reported that I owe them {$400.00}. I did not recognize the company XXXX XXXX XXXX and knew I didn't owe them any money, so I sent them a request to validate this debt to me on XX/XX/2018 via USPS certified mail # XXXX XXXX XXXX XXXX XXXX. I requested they send me a signed contract, a description of what the money was for, how did they calculate that amount, and I also asked them to show me that they were licensed to collect in my state. They responded on XX/XX/2018, asking me to supply the name of my attorney who may act on my behalf. They followed up a day or two later with a letter making me aware of their credit reporting policy. This letter was undated. On XX/XX/2018, they sent me a letter telling me that they reviewed the information provided by the previous creditor and found that the information was accurate. They did not send me any proof of the information they reviewed by the previous creditor, only that it was correct. They attached a letter sent to me by XXXX XXXX XXXX XXXX XXXX telling me that my account was sold to them, but still no proof of the debt. On XX/XX/2018, I sent another letter to them letting them know that they did not supply the necessary information to validate my debt. I gave them 15 days to respond, they waited until XX/XX/2018, they sent me a duplicate of their original letter in response. They are currently still reporting to all 3 credit bureaus. I have contacted all 3 bureaus letting them know they are reporting unvalidated incorrect information and they refuse to remove the false information.
|
| 07/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In XXXX XXXX I learned that Midland Credit Management , Inc. ( aka Midland Funding ) ( " Midland '' ) was reporting to the XXXX credit bureaus a collection account allegedly originally with XXXX ( XXXX account ). Although I disputed ( and still dispute ) the validity of the debt, I was beginning the process of refinancing my mortgage, which had a balloon payment coming due, and I contacted Midland to pay the debt in order to no longer have an upaid collection showing on my credit report. After I paid the debt, I continued, however, to request verification of the debt from Midland, including requesting proof that the debt was ever mine and the date of first delinquency. At the time, Midland was reporting the date of first delinquency to be XXXX XXXX. Midland 's responses, to the extent they can be characterized as a 'response ' at all, has been to state that their records are accurate and they will continue to report as they are doing. They refuse to provide either proof that the debt was ever mine or the date of first delinquency. Midland currently reports the date of first delinquency as XXXX XXXX, which is when I paid Midland so that an unpaid collection would not be shown on my credit reports. This has only made matters worse, as Midland is now reporting a much more recent delinquency as compared to XXXX XXXX, which they originally were reporting. It seems it would be a simple matter for Midland to provide me an account statement showing the account in my name and indicating delinquency. They refuse to provide this information, continuing to hide behind their false statements that their accounts are accurate and they need not prove it.
|
| 10/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, Midland Funding was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail.
On XX/XX/XXXX, I received a response from Midland Funding regarding my request for debt verification. Within the response from Midland Funding it provided a letter from " XXXX XXXX '', the alleged original debtor '', that " Midland Funding, LLC. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " XXXX XXXX '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information.
In addition to the letter from the alleged original creditor, Midland Funding LLC., also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that Midland Funding does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that Midland Funding created the letter aforementioned on their own behalf. I investigated a " XXXX XXXX '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " XXXX XXXX XXXX '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that Midland Funding LLC. consider this complaint and agree to the fair resolution requested.
|
| 06/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and Midland Credit Management on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
|
| 08/22/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
For some time now, Midland Funding , LLC has been reporting XXXX accounts to the various consumer credit reporting agencies as past-due or in collection. The XXXX account shows XXXX XXXX as the original creditor, account number XXXX ( partial ) and the other shows XXXX XXXX XXXX ( account XXXX ).
I have sent several dispute letters to Midland Funding at the address they report on their XXXX and XXXX tradelines, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I have not received any response to my inquiries or disputes. I believe I now know why -- apparently the address they list for themselves in their reports to the credit bureaus is n't even their real address. I recently received my last piece of correspondence stamped " RETURN TO SENDER -- UNDELIVERABLE AS ADDRESSED. '' As of XXXX XXXX, 2016, Midland still shows ( I checked ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as their address on both their XXXX and XXXX reporting.
While I 'm not an expert on consumer-protection law, I do know that debt collectors like Midland are required to report and communicate only accurate information, and I would think this includes things like their own address. Further, I think this buttresses my point that if Midland ca n't so much as report their own address correctly to the credit bureaus, the data about individual accounts and debts is likely to be wrong as well. In my particular case, the amount showing as supposedly owed to XXXX XXXX is more than double what the original creditor had showed. I also have no clue what the XXXX XXXX XXXX debt relates to.
I would like for any response to be in writing only, so there will be record of it.
|
| 12/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Rep, I made a complaint to the CFPB last year. You can look at my previous complaint or see Case # : XXXX.
My complaint revolves around a Judgement that Midland fraudulently obtained using False Affidavits.
I have written Midland XXXX attorneys - XXXX XXXX XXXX XXXX XXXX personally and through my attorney to throw out the judgement based on their Consent Agreement with the CFBP. I don't want to go through the details of the 63 page consent order but MidlandXXXX used false affidavits See Paragraph XXXX of Consent Order below and Did not have original account level documentation See Paragraph XXXX.
Also See Paragraph XXXX For the Dispute Affidavit Lawsuit Debt that has yet to be collected, expected to total more than {$120.00}, ooo, ooo, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable.
See 2 Consent Orders Below : https : //files.consumerfinance.gov/f/201509_cfpb_consent-order-encore-capital-group.pdf https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-lawsuit-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/
|
| 11/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XX/XX/XXXX Midland Credit management removed all of my funds from my XXXX XXXX XXXX checking and savings accounts, and continue to do so, in addition to removing {$15000.00} from my checking and {$1500.00} from my Savings putting me into major negative. I spoke in person and on the phone multiple times with XXXX XXXX XXXX and they claim this is a garnishment, with no proof or documentation provided that this is a valid garnishment. Midland Credit management said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me. None of my credit reports show this at all and I have no derogatory marks on my credit. Midland CM still continues to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company prior to this action to my bank accounts and there have been NO papers served to me, no documentation given to me about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. XXXX XXXX XXXX has not protected my accounts and they also have not contacted me about these actions prior nor have they shown any documentation proving that this garnishment is valid. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX XXXX XXXX a couple of weeks prior to these events.
|
| 04/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
on the XX/XX/XXXX l pull my credit report and realized Midland Funding has report an amount of {$3900.00} in collection which l have not had any notice of, and also the credit report states original Creditor : Not Available. As result filed for dispute to all three credit Bureaus on the XX/XX/XXXX to investigate it and requested for validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws, also requested for " validation '' that is competent evidence bearing my signature, showing that l have ( or ever had ) some contractual obligation to pay them ( Midland Funding ) .l also wrote requesting Validation from Midland Fund which is dated XX/XX/XXXX since the tree Bureaus couldn't provide me with e validation with my original signature. Midland funding on the XX/XX/XXXX sent me Writ of Summons for trial dated XX/XX/XXXX. As at the time and date filing this complaint either the three bureaus or Midland Funding have provided the Validation with my signature or any contractual obligation to Pay Midland Funding and still have not deleted it from my credit report. The court has reschedule the trail date to XX/XX/XXXX at XXXX XXXX XXXX, XXXX, MD XXXX. l have received a letter from Midland Funding dated XX/XX/XXXX saying they now waiting for additional documents from the Original creditor to conclude their investigation and it may take up to 90 days from the day they received my dispute, meanwhile Midland Funding has issue me with WRIT OF SUMMONS and the trail is XX/XX/XXXX. THE CASE # XXXX Date filed:XX/XX/XXXX Issue Date:XX/XX/XXXXserved Date : XX/XX/XXXX
|
| 05/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Today I called Midland Funding, LLC that is the collection agency handling my XXXX Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called Midland Funding 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called midland 's main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in XXXX and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in XXXX then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX XXXXXXXX that was currently in XXXX.
|
| 07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX, I observed I had a negative report on my credit history, reported by XXXX XXXX credit card through a XXXX Credit card. I filed a dispute through XXXX and a month later, XXXX XXXX removed the report from my credit history.
XX/XX/XXXX, I observed Midland Credit Management, had placed the same account in collections and had falsely reported it to my credit report. I contacted Midland via phone and by certified letter, disputing the account. I also explained what XXXX XXXX had done and how they had erased the report from credit history. I was told that I owed the debt and that they would not remove anything from my credit history. I requested validation of the alleged account, which they advised they would send.
By XXXX, I had not received anything validating the account, which I again spoke with Midland via phone and they stated they never received my letter requesting they validate the debt. The representative did advise they sent me the validation paperwork, to my current address, which the XXXX conversation with the representative revealed they had the incorrect addresses, I never corrected them, because in my letter it advised of my correct address. However, this conversation with the representative he all of a sudden had my correct address, which I asked how was it that he had my correct address if they never received my letter, which I received no response.
Since XXXX I have sent two additional letters requesting for Midland to seize any collections attempt and erase the false information from credit reports, as they are negatively affecting my credit reports. I have not received any response from Midland.
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
For the last several years XXXX, XXXX XXXX XXXX, XXXX. have been summoning me to court for a debt I personally did not owe to them. XXXX XXXX purchase an outstanding debt that I owe to XXXX XXXX. When I tried contacting XXXX, they stated they no longer had any recollection of the debt and for me to check my credit report. I fell on financial hardship, lost my apartment and moved myself and my daughter in with my mother. The debt went for almost three years at which I begin receiving summons to court by XXXX XXXX. I have been to court twice and have been paying on the debt via garnishment. I was told in court by Midland Representative that XX/XX/2016 was the last month for payment and satifying my debt. I have already paid around {$600.00}. Midland than stop the collection, waited a few months and started the collection again requiring me to pay additional garnishment fee to my employer as well as additional bogus added collection fees and interest on the same debt. I will never satisfy this debt with the fraudlent collection tactics by Midland and Law firm whom did not show in court on my last court date. I gross a below average income a year between two jobs. I have had at least two free consults with lawyers suggesting bankruptcy, but bankruptcy will cost more than the debt claimed to owe. I feel that Midland is financially bullying and trying to embezzled money from me by tacking more taxes and interests over and over again on the same exact debt and already added interest fees for the last few of years. I have spoke to some one twice at that firm ( not sure if the firm is legit ) but they were not trying to help. Please help.
|
| 11/21/2015 |
Yes |
|
|
|
Web |
|
|
I held a credit card from XXXX XXXX XXXX XXXX. I had to retire from my job and was without XXXX payments for over a year. The date was XXXX and at this time I called XXXX XXXX and inform them. I also tried to make payments arrangements when I did received my XXXX, however they sold my debt to Midlands Funding LLC instead. I wrote a letter to Midlands and asked them to verified the date. They sent me a bill of sale with redacted information in it. I wanted to know what they bought my debt for and could we work with this amount. Instead on XXXX XXXX, XXXX they served me with court papers to serve me with the full amount they say I owe but blank out all in their so called verification of bill of sale. I called them immediately I explained that I can not pay them this debt in full as I am retired and collecting Social Security XXXX. I asked them not to contact me by telephone. I also ask them to discharge or settle this debt for what they paid for it not what they are claiming they are saying and they refused. I said ok I will pay you XXXX a month this is all I can afford. This said that was not good enough. On XXXX XXXX, XXXX Again I received notice from the law firm ( debt collector ) stating I did not respond to their request on XXXX/XXXX/XXXX. I again started I spoke with someone and told them on XXXX/XXXX/XXXX that I would send them {$20.00} a month and I did and will continue. I want them to verified my debt and not send me paperwork with redacted and blank amounts. I want them to settle this debt for a lower amount and let me make payments. They continue to accept my payments to this day but continue to want to sue me as well.
|
| 02/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I am really appalled and disturbed by the actions of this company yesterday during their attempted collection call. I am wrote to notify them that their actions were detrimental to me and that their firm has made multiple violations of the Fair Debt Collection Practices Act.
Please take note of the following violations that occurred yesterday XX/XX/2022 at XXXX. At the beginning of the call, I notified the representative XXXX XXXX that the time of the call was inconvenient to me since I was currently driving and running errands during my lunch hour. At this point the employee should have scheduled a more appropriate time for the call. The employee then became loud and aggressive, continuously cutting me off and being flat out disrespectful. He knew or should have known that the abusive and aggressive behaviors displayed toward me during the call were oppressive, inappropriate, and potentially damaging. During the call he told me that the case is in pre-something, and that if I did not pay during the call, I would be sued and my wages would be garnished. This is a blatant violation of my rights since the FDCPA states that you can not imply that non-payment will result in garnishment of my wages. The representative completely failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at the firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
|
| 11/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir/Madame : I am a victim of the company Encore Capital XXXX XXXX XXXX XXXX and I do not know who I can talk to or what I should do.
Last month my payroll dept garnish my pay because they had a copy of a court order stating I lost a lawsuit involving XXXX XXXX and this law case against me for over {$12000.00}. The court document had my name but my mother 's address XXXX. This judgement was date in XXXX. I had lived XXXX since XXXX until last year when I came XXXX to care for my terminally ill mother in XXXX. I have now taken a job XXXX but I know nothing about a judgment or that I was being sued in XXXX. I now learned that this judgement has been on my credit report all this time. I talked to XXXX XXXX and they have stopped the garnishment but will not tell me how this all happened or what my rights are. I called the law office XXXXbased Encore Capital Group and they only said that the bill is with XXXX XXXX. I have burial bills and so many other bills to pay off since I quit my job XXXX to come XXXX to help care for my mother! I can not go through being garnished again!!! and I do not even know why I was sued. I have had a XXXX XXXX credit card and money market account with XXXX for over 10 years. If XXXX XXXX wanted to sue me they had my address XXXX! And owing {$12000.00}. The credit limit on my XXXX XXXX credit card is about {$1200.00} not nothing close to {$12000.00}. Please tell me who I can talk to 1 ) TO MAKE SURE I DO NOT GET GARNISHED AGAIN ; 2 ) WHERE THIS JUDGMENT CAME FROM AND HOW TO FIGHT IT ; 3 ) HOW TO GET IT OFF MY CREDIT REPORT ; 4 ) Do I HAVE ANY RIGHTS IN THIS MATTER. Thank you for your time, XXXX XXXX
|
| 06/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/2021 i was served with papers by the sheriffs dept. I thought it was over medical bills. This was actually a credit card account opened with XXXX XXXX credit card company that I did not open. On XX/XX/2021 i received in the mail a Motion for Default Judgment to appear on XX/XX/2021 in my local court. The company taking me to court is Midland Credit Management INC. I asked questions of how this account was started, what charges were made, if there was online orders. I was told they couldnt provide me with any information. only the day the account was opend and then closed.
I explained to them that i had been paying. Explaining that I thought it was medical bills, but found out it was this credit card I did not open. Electronic withdrawals have been taken from my checking account. Dates of the withdrawals were, XX/XX/2021 confirmation XXXX {$12.00}, XX/XX/2021 confirmation XXXX {$10.00}, XX/XX/2021 confirmation XXXX {$10.00} and XX/XX/2021. confirmation XXXX. They say nothing has been paid on this bill. I inquired to where these payments have been going and my answer was send them the confirmations numbers and they will look into it. I requested so speak with someone regarding payments and i was then placed on hold without anyone getting back with me.
I also explained that I am on XXXX XXXX and and my only income was XXXX. This is the second account opened in my name. the prior was at a XXXX XXXX XXXX.
I requested information from Midland Credit Management about that card, date opened, what store, a photo copy of the XXXX XXXX. never got any response from Midland.
Any help or guidance or help would be so appreciated.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Accounts Account Name : Midland credit managem Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Thank you for your time and help in this matter.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear CFPB, This letter is in reference to account : MIDLAND CREDIT MANAGEMENT, Im requesting that you reinvestigate this accounts accuracy and reporting inconsistencies.
According to the letter provided by MIDLAND CREDIT MANAGEMENT, their company ( Midland Credit Management ) DOES NOT report a PAST DUE balance to credit agencies. However, this account is reporting a past due balance of {$640.00} as well as reporting a Seriously Past Due status monthly to all 3 credit agencies, and changing the as of date each month to make the debt appear more recent, which is from my understanding a violation. This debt was purchased on XX/XX/XXXX and reported on XX/XX/XXXX. I DID NOT receive a notice of this debt, nor did I set up any payment arrangements or DUE DATES regarding this alleged debt with Midland Credit Management. Therefore there should not be a Past Due Balance.
I am requesting that XXXX, XXXX, and XXXX verify to me how the reported Past Due Balance is accurate, if the company stated they DO NOT report a PAST DUE balance on any account.
Also this company ( Midland Credit Management ) stated the Federal Reporting Period expires on XX/XX/XXXX. My XXXX Report is reporting this account will be removed XX/XX/XXXX, XXXX is Reporting this item will be removed XX/XX/XXXX. These dates should not be different and all 3 dates can NOT BE ACCURATE. This company is also reporting as a FACTORING COMPANY ACCOUNT on my XXXX report which is yet another false inaccuracy. Furthermore its is Unfair and Illegal to furnish false or inaccurate information to a consumers credit report. Ive attached documents with the issues described above circled.
|
| 11/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for any debt as it relates to XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX validate the debt in which the claim I owe several times. XXXX XXXX XXXX only produces alleged billing statements. Billing statements are NOT validation of debt. If XXXX XXXX XXXX can not produce a written contract where I agreed to do business with them why have they been allowed to place a negative trade onto my credit report? By continuing to report inaccurate and unverifiable derogatory accounts XXXX XXXX XXXX is in violation of FRCA regulations with fines starting at {$1000.00}. I am a litigious individual and I am hoping that Midland can remove both unverifiable trades from my credit reports without having to go to court. XXXX XXXX XXXX has had ample opportunity to provide a substantial debt validation. This is my last time requesting a proper debt validation. If one can not be produced XXXX XXXX XXXX must remove both derogatory accounts from my credit reports at once. It is not sufice to produce alleged billing statements. XXXX XXXX XXXX needs to show proof, a signed contract with my signature, or remove both accounts from my credit. XXXX XXXX XXXX has been sued several times for trying to collect debt past the statue of limitations and without having complete and full validation of debt. It is NOT SUFFICE to simply respond and say that Midland will mark the accounts as consumer disputes. XXXX XXXX XXXX does NOT have permission to contact me by email, phone, or us postal. All communication must be done through this CFPB portal.
|
| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I sent Midland Credit Management a letter to validate the debt. I did not recieve anything from the company concerning the debt. On XXXX XXXX the amount was {$1300.00}. I waited the full thirty days and no response. On XX/XX/2021 I sent another letter to the company. I did not recieve a response again. On XX/XX/2021 I recieve an alert on my XXXX account that there was a change to one of the accounts. I checked it and it was Midland Credit Management changing the balance from {$1300.00} to {$1300.00}. So the balance increased by a dollar. Then on XX/XX/2021 I checked my XXXX XXXX account and the same listed account had been closed by Midland Credit Management. I just want to know what is going on or what happened. I never recieved any correspondence from the company. The debt should be removed from my credit report as to the company never sent anything to validate the debt. There also was another account in collections with Midland Credit Management. So On XX/XX/2021 I sent a letter concerning that account to validate the debt. On XX/XX/2021 Midland Credit MAnagement mailed me a bill for the balance of {$1000.00} with no explaination of how the debt was calculated. So XX/XX/2021 I wrote another letter to the company to validate the debt. I recieved no response. Then on XX/XX/2021 the balance increased by one dollar so the balace went from {$1000.00} to {$1000.00} and the comments on the account reflects the account is still in dispute. According to the law if an account is in dispute the company is suppose to stop reporting until the outcome of the dispute. But in both cases the balances changed and no response.
|
| 10/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland funding has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called Midland funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe Midland funding is overcharging me and they will not discuss my account with me I don't understand how Midland Funding a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX and XXXX. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by XXXX.
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact XXXX and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company Midland Funding LLC is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with Midland Funding LLC and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX. He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that Midland Funding makes him do that to people. He told me that Midland changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. Midland violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.
|
| 03/28/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is Midland Credit Management , Inc . They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that Midland has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes Midland has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX
|
| 03/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I was served a lawsuit from Midland Funding. When I received the lawsuit, I observed that Midland Funding is suing me for an account stated, attached is the lawsuit with its exhibits. Midland included an alleged copy of a statement that does not show any charges nor any calculations regarding how those costs accumulated. I never had an account stated with Midland Funding nor anyone else. On XXXX/XXXX/XXXX, I mailed Midland a debt validation letter requesting all the account statements showing the purchases that culminated in the amount allegedly owed, credit card agreement with interest rates, all the interim and yearly disclosures from the credit card company, etc.in order to calculate the alleged amount owed, debt validation letter is attached. I also filed a Motion for Enlargement of Time and a Notice of Dispute in the state court. I faxed a copy of the debt validation letter to CFPB on XXXX/XXXX/XXXX, which is also attached. I had to attend a pre-trial conference on XXXX/XXXX/XXXX for this lawsuit. When I arrived, with a friend, there was NO JUDGE!!! I spoke to Midland 's attorney and they said I had to go to mediation in two months ' times and I told them that the debt had not been validated, docket is attached. I received a letter from Midland dated XXXX/XXXX/XXXX wherein they attach the same statement and exhibits attached in the state complaint. There are no statements that show what was purchased nor how the amount and interest rate was calculated. There has been no debt validation and Midland is trying to circumvent the Consent Order it has with the CFPB. Midland is abusive and discriminatory.
|
| 01/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
A credit card was opened in my name through XXXX XXXX XXXX on XX/XX/XXXX, but was not done by me. I had reported identity theft during that time. Purchases were made and not by me. The card was charged off on XXXX XXXX, XXXX. The company kept sending me bills and phones calls to pay the bill. Each time they would call I would inform them that I did not open the card and I had identity theft during that time frame. I even ask them for statements where I would see the purchases, the amount and the dates of the purchases.
I never received anything. The amount owed up to the time of the charge off is {$980.00}. The total amount has over {$600.00} of late fees and interest accrued. XXXX XXXX XXXX sent my information to Midland Credit Mngt. when they charged off the account. The account showed up on my credit report when they charged it off and I disputed it then.
They took it off the credit report, then just recently they put it back on. And now I also have a lawsuit for this account. Once I received the information about the lawsuit, I immediately contact Midland Credit Mngt and informed them this was fraud and I wanted to dispute it. I also was requesting statements with the purchases, dates and amounts so I could do my research and to prove this was fraud. They informed me they could not provide me with the information, but to contact XXXX XXXX XXXX. I contacted them again and requested the same information, they said they would try to send me the information. I never received it. A month later, Midland Credit Mngt. cancelled my dispute and are about to garnish my paycheck. I need to get this resolved before they do so.
|
| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
Creditor ( XXXX XXXX ) hired lawyer ( XXXX XXXX XXXX, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX. They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or XXXX cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.XXXXXXXX XXXX XXXX does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable!
I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received a letter from Midland Credit Management in the mail. I returned their phone call at XXXX. I spoke with a representative and explained my situation as well as the fact that I am working with XXXX XXXX XXXX. They insisted that I not work with XXXX and work with them directly. When I told them that I would not make any arrangements with them before speaking with XXXX, the put a " supervisor '' on the line. This person tried to bully me into making arrangements with them. Even though the other debt collection agencies I have worked with have told me that since I'm working with XXXX they will continue any further contact with them. When the supervisor refused to end the call, I told him that I had already been speaking with them for upwards of 40 minutes and didn't have any more time to speak with them regarding the matter and that I would call them back at a better time. The person raised their voice at me and told me that they were trying to " save me time '' ( a reference to saying I was out of time ). I told them that they were not hearing me and that I was going to terminate the call. They continued to raise their voice and tell me that I should not end the call, because it would not be good for me. At this point in time I hung up the phone.
From my understanding, at the moment that I notify the debt collector that I am working with a consumer credit agency on a repayment plan, they should have stopped trying to influence ( really it was bullying ) into making any arrangements with them. I was very upset that they raised their voice and kept trying to force me into making an arrangement directly with them.
|
| 10/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX I opened an account with XXXX XXXX XXXX. In XX/XX/XXXX, I opted to have credit protection placed on my account. I payed on time payments from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, I had a medical emergency, and the doctor took me out of work. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX ( credit protection ) payment included. On XX/XX/XXXX XXXX XXXX XXXX closed my credit protection account, unknown to me.On XX/XX/XXXX the doctor ( medical emergency ) took me out of work. I was unable to make on time payments. XXXX XXXX XXXX charged the account off and sold the account in XX/XX/XXXX. It hits my credit report with negative remarks. I'm still recovering during this process. Recently, I contacted XXXX XXXX XXXX to see what are my options, because now the account in collections and it has damaged my credit. I spoke with an account manager on XX/XX/XXXXand was instructed to call the credit protection ( XXXX claim insurance company ) and file a claim. I called on XXXX XX/XX/XXXX and was told I was not covered for that time period, due to the policy being cancelled on XXXX XX/XX/XXXX. I was instructed to call XXXX XXXX XXXX. I called back and spoke with another account manager, and that account manager verified they closed my credit protection account unbeknown to me. And it was nothing they could do! Currently, this account is sitting on my credit in collections, which is debilitating my credit score! I was NEVER informed they ( XXXX XXXX XXXX ) cancelled my credit protection! I called to file a claim and was denied ; due to the bank cancelling my account ( credit protection ) after a payment days prior.
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am aware that Midland Credit Management has violated my federally protected consumer rights which has caused me anxiety, mental anguish, defamation of character and my reputation. I received a letter in the mail from Midland Credit Management stating that I owed a debt of {$610.00}. Pursuant to 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. A debt collector pursuant to 15 USC 1692a ( 6 ), means any person who uses any instrumentality of interstate commerce or the mails in any business the. principal purse. of which is the collection of any debt, or who regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant to 15 USC 1692c, I never gave Midland Credit Management prior consent to communicate with me regarding any alleged debt. Pursuant to 15 USC 1692a ( 7 ), I never gave Midland Credit Management the authorization to obtain my location information which lets me know that pursuant to 18 USC 1028, Midland Credit Company possessed an authentication feature with the intent such authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used which constitutes to fraud pursuant to 18 USC 1028A . Pursuant to 15 USC 1611, Midland Credit Management is criminally liable for willfully and knowingly giving false and inaccurate information to me regarding the alleged debt. Pursuant to 15 USC 1692e ( 2 ) ( a ), Midland Credit Management gave a false representation of the amount that they say I allegedly owe.
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This is a follow up response to CFPB complaint XXXX ( response from XXXX & XXXX ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). Midland Funding is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the Midland Funding or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.
|
| 07/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried contacting MIdland Credit Management since I was aware of the letter I received, in XXXX XX/XX/2020 i was request to make a payment of at least {$25.00} when I was on a call requesting evidence of an allegedly debt and they still haven't provide any information where according to the FDC. I need these account to be closed and deleted from my credit report, I know is not mine and they havent submit any evidence in over two years If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
|
| 06/23/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
On XXXX XXXX, XXXX Midland Funding ( who had purchased a credit card debt from XXXX ) filed a complaint against me in XXXX XXXX Georgia Superior Court via the law offices of XXXX.
On XXXX XXXX, XXXX the law offices of XXXX contacted me in writing offering a resolution to the case without further legal proceedings. Through written communication with XXXX a payment agreement was met. I agreed to and paid the law offices of XXXX a total of {$1800.00} in {$75.00} monthly installments between XXXX XXXX, XXXX and XXXX XXXX, XXXX to resolve this debt.
On XXXX XXXX, XXXX attorneys from XXXX filed an affidavit in XXXX XXXX Georgia Superior Court on behalf of Midland Funding stating that I became in default on XXXX XXXX, XXXX by virtue of " filing no answer '' - which is what their settlement / resolution agreement with me was intended to prevent.
On XXXX XXXX, XXXX a judgment was ordered and filed by the XXXX XXXX Georgia Superior Court in favor of Midland Funding and awarded them {$1800.00} - {$1500.00} in principal and {$250.00} in court costs - which I had already agreed to pay the law offices of XXXX to prevent these legal proceedings.
To this day there is still a Civil Judgement showing on my credit reports. Though it now shows " Satisfied '', the judgement will remain there and impact me financially until at least XXXX of XXXX.
I have all of the communications from the attorneys and copies of all the court documents - including a completely different set of court documents issued from a different attorney in the XXXX that I was forced to sign agreeing to the repayment that never made it into the court records.
|
| 12/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX sold an invalid debt to Midland Credit Management and now Midland Credit Management is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already XXXX days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to XXXX requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from XXXX I challenged the information directly with the credit reporting agencies and after their investigations, all XXXX deleted the fraudulent account from my credit files in XX/XX/XXXX.
XX/XX/XXXX this account resurfaced on my credit reports as a collection account by Midland Credit Management. I received a notice dated XX/XX/XXXX from Midland Credit Management that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with Midland Credit Management thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both XXXX and Midland Credit Management.
|
| 06/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/2019 I received a summons for court from attorneys XXXX XXXX, XXXX XXXX, & XXXX XXXX who are representing Midland Funding LLC. This was the first time that I was informed that I supposedly owed someone any money. On XX/XX/2019 I mailed a validation letter XXXX certified ) which I obtained from the Fair Debt Practices Act to the above attorneys since all correspondences for Midland Funding LLC go to them. I received a letter back from them but all questions were not answered. I was not able to verify anything about Midland Funding LLC if they can do business in the state of Arizona, if they have the proper licensing to do business, or even if they are a legitimate business. They denied me that right, because they did not send all of that information I requested in that validation letter. Therefore I files a motion to dismiss the case against me. They filed papers trying to dismiss what I filed & so on. There was a hearing. When I went to court I explained that I sent a validation letter to Midland Funding LLC via their attorneys they didn't answer all of the questions therefor the case should be dismissed. A few days later I received another paper from the attorneys representing Midland Funding LLC that I didn't file an answer so it should be a default. The very next day I filed an answer to the court about this case basically stating all of the above. Also in the answer I filed in court I stated because they didn't answer all of my questions, they are not allowed to continue trying to collect the debt from me, nor can they sue me, or list it on my credit report. If they do, I can file a complaint, so I did.
|
| 06/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )
|
| 03/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
To Whom It May Concern,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have
failed to maintain reasonable procedures in your operations to assure maximum possible accuracy
in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100%
accurate credit information. Every step must be taken to assure the information reported is
completely accurate and correct. The following information, therefore, needs to be re-investigatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account status: OPEN
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other
instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely
inaccurate and incomplete, and as such represents a very serious error in your reporting. Please
delete this misleading information and supply a corrected credit profile to all creditors who have
received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or
other subscribers.
Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the
description of the procedure used to determine the accuracy and completeness of the information is
at this moment requested as well, to be provided within fifteen (15) days of the completion of your reinvestigation.
|
| 03/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern RE : XXXX XXXX Account XXXX This is the 3rd time a 3rd party debt collection such as yourself ( MIDLAND CREDIT MANAGEMENT ) has attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt.
( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
|
| 01/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Older American |
|
# XXXX Is the number to another complaint with you, this complaint is the same company with a claim from the same banks in two different states and cities, one in XXXX XXXX, another Florida, lie, complaining I refuse a summons to appear, never was told or mail or communications, therefore to get a judgment against me, violating my civil rights, they have did this several times, now what they claim has rocket to, what was a fraud amount was a few {$100.00}, too more than a {$1000.00}, with over over 5000 robocalls over 6 years even though they been investigated by XXXX as being fraudulent, and delete the information brought my credit back to good standings, they, Midland LLC, brought this fraudulent account even though it was close, they knew it fraudulent, this is not a charge off, XXXX investigates, this is fraudulent information, clear my name, yet Midland have kept taking me to court without no summons, this amount has increased to the Thousands over the 6 or more years, I have try to report to police, they dont have time or manpower, lawyer want money up front Im a senior, but not weak or stupid, and over the same complaint, fraudulent misinformation, the government dont care because, how do you expect for the company to tell the truth, when they the ones committed the fraud, using two banks, telling lies in court to get more than a {$1000.00} from a {$100.00} account, anybody can get lies from XXXX, acknowledging they cant verify nothing, yet companies use their information against consumers, I did my research. These companies knew most people cant afford a attorney, people look what is happening to me ...
|
| 08/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This company Midland Funding bought the debt, which is 4 years old from first delinquency, according to my credit report, from XXXX. Both Midland Funding and the original creditor are reporting this on my credit report to all XXXX bureaus. Because of the double reporting and the fact that Midland Funding is reporting an amount higher than the original debt of {$130.00}, I disputed the Midland Funding account with the Bureaus. Midland Funding verified the account with the bureaus and would not delete it. Verification, according to the bureau, consists of verifying my name and social security number. Prior to finding them on my Credit Report last month, I had not had any communication with this collection agency whatsoever. I have not received any letter or phone, they just showed up on my credit report. After I disputed and Midland Funding " verified '' and continued to report to the bureau, they have now also added dispute remarks to my credit report and began sending me letters. Perhaps I finally received a letter from them introducing themselves and attempting to collect the debt after the dispute I filed with the bureau. I no longer dispute the account and contacted them to state this and have them remove the remarks from my report. I have yet to hear back about this. I also disputed through the Bureau again, asking that they remove the remarks " account disputed by consumer '' from my credit report, since that statement is no longer accurate. They refuse to remove the remarks, continue to report the account to all XXXX bureaus and have begun collection attempts and sending me letters AFTER my initial dispute.
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been disputing this item with Midland funding for almost five months now. I have retained all my correspondence for evidence if I have to take this matter to court.
All I want is the error corrected and deleted from my report.
Midland Funding is claiming to be trying to collect a debt on behalf of a company that claims I dont even owe them which is XXXX XXXX XXXX. I requested written verification of the debt to prove that this charge is indeed valid and not fraudulent as is within my rights under the FCRA and the only responses I keep getting from the company are attempts to delay the deletion of the item. They have never produced anything more than a doctored bill with an address and balance on it that is in correct. I owe both companies nothing.
They cant even prove the account is mine and I didnt ask for anything out of my rights under the FCRA. I plan on taking this company to court for damages and violations of fair credit reporting act. This is my final attempt at settling outside of court. On XX/XX/XXXX I received the letter I am attaching which is the third correspondence from this company and this is all it says verified which is not telling us a method of verification. No court will just take their word for it and its unfair that they are holding my credit report hostage.
This company is harassing me via phone and mail and I am officially revoking their right to contact me unless it is to state the previously requested verification or to notify me that this item as been removed. Im sick of playing ring around the Rosie with them! This is against the law and I am filing a lawsuit IMMEDIATELY!
|
| 11/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I contend that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressee unknown, knowingly and deliberately circumvent fair credit reporting laws to illegally collect on expired debt more than seven years old and continue to report these closed accounts as late payment to degrade my credit. It is my contention that these companies are buying and selling old debt that has expired. These companies attempt to collect on it by erroneously reporting to all three credit reporting agencies the debts are still active and viable by changing the dates of when the accounts were closed or not including the companies owed originally and by selling the old, expired debt. The new buyer of said debt uses deception by not reporting when debts last had proof or payment to the original account holder. XXXX XXXX XXXX does not list any of the original account holder 's information. It is unverifiable. The credit bureaus do not test nor verify the information provided to them, only report it. The result is multiple tradeline entries on my credit report for the same old, expired debt ( Midland Funding, XXXX XXXX XXXX XXXX and possibly XXXX XXXX XXXX XXXX Midland Funding sued me in court ( Crown Point, Indiana XXXX in XXXX over old debt, then removed it from my credit file. Midland Funding lied about what accounts they held. I have my old credit reports as proof.
|
| 09/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not answer the phone and so I called back the caller, I waited to hear what they had to say and then told them that I do not believe that I owe any thing to the company due to only having funds in one financial institute for many years. Just recently I had received some funds through the institute which this collection company states I owe from, the funds were from my father which made me a private client at XXXX, and I believe if I owed any thing they would have brought it up over the last almost 2 yrs. In order to be a private client you must have excellent standings within the financial institute. So for me to receive such a call and in a language that was not in English, I asked for documentation. I received the documentation but it is not accurate nor familiar at all to me. It doesn't really say anything except some fraudulent payments and judgment info that is not even on my credit report. I do not want them to think they have the right to try and put some collection on me that's not mine. Also they have done this in the past and finally said okay its not your debt and stopped sending and calling me about it. That was about a year and a half ago and now its something else. They used a court house in XXXX XXXX to use as a back up for them and its a clerk that is doing this there. I will attach a copy when I am able while sending this to you. The Midland Collection
Company has a real bad reputation for fraudulent reporting as well as their collection methods... quite honestly I'm tired of them always trying to prey on those they do not think will fight back. I am prepared to go all the way.
Thank you
|
| 07/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XX/XX/XXXX, we paid off our XXXX XXXX credit card and sent a check for full balance and a note to close the acct. Thereafter we learned without our knowledge that XXXX XXXX XXXX, XXXX was charging an additional {$150.00} stating we still owed this amount from XXXX XXXX. We called and stated this was unfair accounting practices after the fact and they used abusive language stating we owed and they would garnish our payroll and take our property. We stated we did not make any purchases after the account was closed and for them to justify what is the new charges for. Midland refused to explain and continues not to send us any justification.
Recently we sent copies of our check and note to XXXX and Midland stating here is the evidence and you need to close out your fraud acct and remove from the credit reporting agencies.
Midland and XXXX refused and insulted us with a simple letter that they are updating the debt to reflect XX/XX/XXXX. We asked again what are these 4 year old charges for and to date they refuse to justify.
This company is punishing consumers with a one-sided demand and ruining consumers credit with Account Identify Theft. This company is fraudulently reporting untrue claims on a consumers credit report without any appeal or solution to the problem. CFPB needs to change the way the credit and collection agencies can arbitrarly go into a consumers credit acct, overcharging and place negative ratings without clear justification or appeal process. We feel they are targeting XXXX consumers who are trying to build their creditworthiness especially when a consumer knows nothing about the charges.
|
| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, California XXXX XXXX : Account XXXX Dear Midland Credit Management, I am writing you about two violations with this account that I would like for it to be immediately removed from the credit bureaus.
1 ) Statue of limitations this account is over 7 years old 2 ) No written notice prior to you all damaging my credit was sent out to me I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in ( Maryland ) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.
This letter is your formal notification that I have filed a complaint with Consumer Finance Protection Bureau. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.
XXXX XXXX XXXX
|
| 04/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My Experian account was showing that I had a delinquent account for a XXXX line of credit. I have never had a XXXX line of credit so I sent an email to XXXX to dispute this account on XX/XX/2020. After much work and follow through that delinquent XXXX account was marked by XXXX as fraud.
While this was going on Midland Credit Management was attempting to collect on the fraudulent account.
A telephone conversation was had with a Midland Credit Management employee conveying to them that the XXXX account was a fraud. They closed out the collection account.
Sometime later an employee at Midland Credit Management re-opened the fraudulent account and began the collections process again. After receiving collection notices from the company in the mail I called at spoke to XXXX XXXX. It was determined yet again that this XXXX line of credit was fraudulent.
Checking my credit report today I see that my credit report shows my account is in collection status due to this fraudulent account.
Midland Credit Management attempted to collect {$850.00} from me derived from a bogus account. The account was declared fraudulent and Midland Credit Management, after closing their account on the matter, re-opened the account and again began attempting to collect {$850.00} from me. In doing so they have damaged my credit.
The fraudulent account is identified as Account name : XXXX/XXXX account # XXXX ...
The account with Midland Credit Management is identified as Original Creditor : XXXX XXXX Current Owner : Midland Credit Mangement, Inc Original Account Number : XXXX MCM Account Number : XXXX Current Balance : & XXXX
|
| 07/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services.
Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance.
I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be.
I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by XXXX XXXX XXXX. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except Midland Credit Management.
Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by Midland Credit Management for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years.
I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call.
.
|
| 07/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have called the Credit Card company, XXXX XXXX & now Midland Credit Management to resolve this. I was not provided the written information I asked for ( I had been through a divorce & wanted written statements so I may review and contact police if necessary ).
Midland Credit Management has contacted me up to ten times a day. They contacted numerous family members, including my father on XX/XX/XXXX, who is recovering from XXXX events and was upset and worried when he contacted me about the incident.
Today was the second time I contacted them in the hopes of procuring the information I needed ( statements ) and was met with the same degree of disdain as from my first call. Something about " their lawyers '' was mentioned in a threatening manner. They provided transaction information from XXXX & XXXX, pointing out a returned payment ( which was due to fraud on my checking account in XXXX ) which was in no way helpful to me. XXXX XXXX, the agent I spoke with today, was demeaning and brought up " their lawyers '' and kept dissecting my statements and turning them back on me as questions, " So you're telling me you're disputing this? '' I told him I had nothing to dispute because I needed paper statements.
Something as simple as my calling to get information to resolve this account was turned into a heightened, angry, altercation.
I told Mr. XXXX of Midland Credit that I was reporting his company to the FTC. Over the past 3 months, I have resolved many different credit issues that resulted from my divorce in XX/XX/XXXX and I haven't had any conversation that devolved into this kind of demeaning coercion.
|
| 04/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Midland Funding LLC claims I owe a debt in the amount of {$950.00} to Midland Funding LLC via XXXX XXXX And XXXX.
Upon research of Midland Funding LLC, it appears the company IS NOT authorized to collect money or debts in the state of Georgia where I reside. This is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692.
There was a legal claim against me. I dont know who this company is. Also, 80 % of the submitted documentation has been blacked out. It shows purchasing of multiple accounts from Midland Funding with my information simply added into a different, attached document ; not otherwise related to one another. Also within their Exhibit 4, there is no signature or other proven agreement stating ANY of these are in fact, my accounts with XXXX XXXX, XXXX, XXXX or Midland funding LLC. Additionally, I HAVE NOT BEEN PROVIDED proof that there is ANY agreement between myself and Midland Funding LLC. This is a CLEAR violation of The Consumer Protection Act and the FDCPA.
The actions from Midland Funding to collect said debt via civil suit, letter, and calls are harassing, aggressive, deceitful, and continuously causing undue stress and constant paranoia every time my phone rings with an unfamiliar number or a stranger comes to my place of residence. Further correspondence from Midland Funding LLC will result in me taking legal action against Midland Funding LLC for violation of the Fair Debt Collection Practices Act, the Servicemembers Civil Relief Act ( SCRA ) ( family member ) and will seek all available damages and remedies.
|
| 06/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Midland Credit Management has repeatedly called my work on a daily basis. It's been going on for months. I talked to them on the phone at my place of work in XXXX of XXXX, I made it clear that they can't call me at work. I asked them to give me a name and number that I could call back when I was on break. They wouldn't give me any information and didn't want to get off the phone. They kept on saying I needed to talk to them right now and that calling them back later will not do any good if I didn't finish talking to them. I was forced to hang up the phone because the person on the other end wouldn't let me call them back. Since then, they continue to call me at work multiple times per week. I have phone logs showing that they have called me up to Four days in a row. They have even left a message with the receptionist giving them the name of the company, Midland Credit Management and a note to have me call them back. This is embarrassing to me and also humiliating as I work in a small office with Three other people that can hear every word of my conversation. Today is Wednesday and they have called my place of work every day this week, so again today XX/XX/19, I answered the phone and asked the guy to please stop calling me at work. He said he would make a note of that if I stayed on the phone with him and finished this phone call. I said sir, I have asked your company before to please stop calling me at work. He replied " I will remove this number from your contact list, but only after we finish talking about the reason for this call and find a solution ''. This is harassment, and I want action to be taken.
|
| 11/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hi, and Good Evening! Listen, i was going through my credit again and noticed a collection from XXXX. Looking closely at this account the way it's reporting, i've seen several and multiple innacuracies with the way it's reporting to all the 3 credit bureaus ; such as : wrong reporting date, open date, date of last activity etc.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I am writing to formally register a complaint against Midland Credit Management ( MCM ) for their unethical and potentially illegal debt collection practices.
On XX/XX/2023, I dispatched a letter to MCM, wherein I highlighted their inappropriate tactics, notably their threats of legal action, and issued a cease and desist order. My contention is that MCM 's conduct violates sections 807 ( 4 ) and 807 ( 5 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - 807 ( 4 ) : MCM implied that nonpayment would lead to legal consequences, which either aren't lawful or they don't genuinely intend to pursue.
- 807 ( 5 ) : MCM threatened actions that may not be legally executable or were never intended to be undertaken.
Despite my communication, MCM failed to acknowledge or adhere to my request. On XX/XX/2023, I received two bills from MCM related to account numbers XXXX ( {$1200.00} ) and XXXX ( {$1100.00} ). Although these bills were dated XX/XX/2023, a representative from MCM, XXXX XXXX XXXX ( contact : XXXX ), confirmed they were dispatched on XX/XX/2023. XXXX XXXX, upon initiating our phone conversation, informed me that our call " may '' be recorded but failed to confirm its recording status. I, however, informed him that I was recording the conversation. It's worth noting that these bills explicitly mentioned they were from the 'pre-legal department ', which I perceive as another attempt to intimidate and coerce payment.
Furthermore, while these debts appear on my credit report, they are marked as " in collections '' under comments, even though MCM isn't listed as the collecting agency.
|
| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was sued by Midland funding on a debt that they purchased. The debt was charged off. They have a totally different amount than the charge off. They NEVER gave me Notice. After reaching out to them, plus number of times challenging through the credit bureaus I finally had them send me some documentation concerning the debt in question. I researched Midland and found that they filed suit on XX/XX/XXXX in XXXX XXXX and posted service to XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please see Attachments : I have not lived at this location since XXXX.
So for starters, this was a volitation of Federal law given the facts that in their possession from the documents they sent me shows Clearly that I lived at XXXX XXXX XXXX XXXX Virginia at the time from the creditor 's Statement balance of {XXXX} Which I may add is in XXXX XXXX XXXX XXXX Virginia Not XXXX XXXX. Please see Attachments : As I mention those two facts shows they are in violation of Federal Law.
In XXXX was was living in XXXX XXXX up to XXXX. I was living in Maryland from XXXX until XXXX and I did not get notice of none of this process from this company.
However this company chose to Violated federal Law and my rights by posting a notice on an address that I have not live at since XXXX which was a convenience to them instead of following federal Law.
They sued for {XXXX}, the account had a balance of {$670.00} on my credit it shows {XXXX}. Collection another violation of my rights with the wrong amounts. see Attachments : This company has refused to remove this off my credit and caused me to miss out on buying a house and brought my credit down.
|
| 08/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.
In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.
This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the fraud you have committed against me. I did not give Midland Credit Management any permission to use any of my identifying information o commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Lastly, pursuant to 15 USC 1681 c-2 Block of information from identity theft resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
|
| 10/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hi, Over the past few months I have consistently identified inaccurate information reporting from a debt collector ( Midland Credit XXXX ) and they continue to revert to information that is not accurate. At this point there have been over 6 separate changes, and each time my credit score drops - from what I've researched, the inconsistency in credit information impacts my creditworthiness and my ability to apply for anything that involves a credit check. Items that have been listed incorrectly are date of first delinquency with original creditor, the amount I owe continues to increase by $ XXXX month over month, it was listed as closed one month and 3 new accounts the next which hit my credit hard, the account type and status changes regularly, and I've even been listed to be 30 days past due on payments. At this point it is getting very cumbersome to see a change to my credit multiple times a month, I'm unable to plan for my future at this point, and this is becoming what I would consider abusive as my credit score is constantly changing due to information accuracy inconsistency. This is impacting my ability to apply credit as I'm reactive to see what new information they want to change. This constant change of my credit information is both impacting my life and feels as if I'm being harrassed when I'm constantly surprised by their changes. They have proven that they are not able to provide accurate information consistently and at this point I would like accounts from Midland Credit XXXX removed as my right to have accurate information reporting to my credit without changing multiple times a month.
|
| 05/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I received a letter dated XX/XX/XXXX informing me that an account, # XXXX opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX, was transferred to XXXX XXXX XXXX XXXX XXXX. The account number at MCM is XXXX, and the amount they are seeking to collect is {$170.00}. I have never opened an account at XXXX XXXX. I called the telephone number provided in the collection letter and asked to talk to XXXX XXXX, the gentleman who signed the letter and was told by the person who answered the phone that his name was not familiar to her and she could not contact him or transfer my call to him. At the suggestion of the office of the Attorney General, Commonwealth of Massachusetts, I contacted the credit bureau and learned that an account was opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and learned that an account was opened in XX/XX/XXXX with an address of XXXX XXXX XXXX XXXX, XXXX, MA XXXX. My address since XX/XX/XXXX has been XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I received no invoices for the charges from XXXXXXXX XXXX at my XXXX, MA address. The first indication of an account was the letter I received from XXXX XXXX XXXX XXXX XXXX in XXXX of this year. Upon further investigation I learnt that the account was charged off by XXXX XXXX in XXXX of this year and sold to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX referred the matter to their Fraud Department and I also asked the credit bureaus to place security alerts to my credit files. The Attorney General 's office also suggested filing a report with the Federal Trade Commission which I did. The FTC Report Number is XXXX.
|
| 02/04/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.
|
| 11/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was illegally threatened by debt collector, Midland Credit Management ( MCM ), on XX/XX/2022 regarding an alleged debt in the amount of {$2400.00} from received by postal mail.
The message stated : " If we don't hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney. '' I have reason to believe I do not owe this debt because the alleged debt is inaccurate information and MCM is using emotionally violent, deceptive tactics, and illegal practices to collect the alleged debt.
To support my case- this same MCM debt collector was removed from my credit report after filing disputes to prove the inaccurate information a couple of months ago.
Below are details of the additional information provided to support this complaint in an attempt to cease these illegal practices and eliminate all ruthless harassment contact from this debt collector : 1. The amount of the alleged debt : {$2400.00} 2. The full name and mailing address of the original creditor for this alleged debt : XXXX XXXX, Division Supervisor, Midland Credit Management - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX - Phone XXXX - Online www.midlandcredit.com - Hours of Operation - Mon-Friday : XXXX XXXX XXXX/XXXX and XXXX : XXXX XXXX - XXXX XXXX/XXXX XXXX. Documentation is provided to show the illegal threat letter.
I am seeking judgment as I believe MCM is in violation of the Fair Debt Collection Practices Act and want to cease all threats. Additionally, the debt can not accrue fees or interest beyond what is allowed by state law or by contract with the original creditor.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong.
I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
|
| 01/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Between XXXX and XXXX of XXXX, Midland Credit Management Company ( MCMC ) sued me in court for roughly {$4800.00} dollars ( this is an account that they purchased ). As a result of them suing me, my paycheck was garnished for six months in the amount of {$2000.00}. After six months, I noticed that the MCMC account had not been updated, so I disputed the discrepancy with the credit bureaus. Unfortunately, the account came back verified and still owing the {$4800.00} dollars. I continued to check my credit report and dispute for 10 months and MCMC claimed that I owed the {$4800.00} plus interest.
In XXXX of XXXX, I contacted MCMC to ask about the {$2000.00} that was garnished from my paycheck. MCMC claimed that they never received the check from my payroll department.
After contacting my payroll department, an investigation was completed and a copy of the check was sent to me.
Again, I checked my credit report and there still was no change to the balance. So I looked at the MCMC website and it stated that I owed {$5200.00} dollars.
I called XXXX, in XX/XX/XXXX, to ask about the check and why it had not been added to my account and again they stated that the check was not received. I told them I had a copy of the check and after further analyzing the copy of the check it was found that the check was cashed on XX/XX/XXXX by MCMC and never added to my account.
As of today, XX/XX/XXXX, I have looked at my account and reached out to them and they still have not located the funds that they took from me and did not add to my account.
They have withheld these funds from my account for XXXX years.
|
| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First I want to say thank you for reading my complaint.
I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an Affidavit requesting Documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on these Debt without validating or even owning the debt.
I found the CFPB filing against this same Collection company in XX/XX/XXXX File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC. Not validating dispute and sending out generic letters saying you own this debt and we will not remove it from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that prove they are the owner of the debt or can even validate the debt.
I sent MCM a affidavit to establish the debt these are generic letter they send out to multiple people and I have proof. I have a friend that received the same letter. She is going to file an complaint also. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are owner of this debt and verify this is my Debt.
Thank you please make them abide by the provision from the case XXXX XX/XX/XXXX.
|
| 01/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My XXXX XXXXt Account ( XXXX XXXX ) was part of the program At some point XXXX sold the account to Midland Credit Management. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be Midland Credit Management. XXXX XXXX XXXX more specifically XXXX XXXX XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact Midland myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by Midland their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the XXXX XXXX XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive
|
| 01/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I recieved a phone call from XXXX XXXX XXXX XXXX asking if I was the wife of XXXX XXXX. I asked who was calling they repeated there Company name, then proceeded to tell me his date of birth and that they were a debt collection agency calling me in regards to a debt that he incurred before we started dating that I had no idea about. Then asked me how was I going to handle the debt by making a payment. Not only did they give out his date of birth to me, they told me about his debt, how much it was and what Credit Card it was for and the year he took it out. I explained that what they did was wrong, they can not call me giving out his personal information and debt information without any real verification of whome I really was, about a debt he had before we even started dating that i knew nothing about, especially when he also has a family member with the same name as mine. They proceeded to argue that what they were doing was OK, and if I had said I wasn't who I am they wouldn't have given me all his personal and debt information. I then asked to speak to a supervisor who also decided to argue with me, I asked for their consumer hotline and he gives me a phone number to customer service for complaints. I call the number given and the person who answers immediately asked for XXXX XXXX. Even though I called them, and from my phone as if they rerouted the call back into the same office, so I asked the representative why he would ask to speak to XXXX XXXX if I called them at a number provided. He responded by asking how he can help me. I don't know what this company is doing, but this can't be legal.
|
| 11/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX.
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through XXXX XXXX XXXX.
I eventually called the number they gave me which was for XXXX XXXX XXXX. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file.
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account.
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account.
XXXX XXXX XXXX do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off.
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX.
I hope i will be able to be compensated under FDCPA for harassment unfair judgement.
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey.
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
|
| 11/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I contracted XXXX XXXX owned by XXXX XXXX. Her and XXXX who claimed was her assis XXXX took on the case. I hired because I suspected my partner/future fianc was acting out of the ordinary.
I deposited via XXXX 750-1000 approx. for retainer.
THe only service I authorized and wasn't made aware of the charge ( {$300.00} ) was phone trace to identify who my ex had spoke to at work.
I was charged for countless services, unauthorized, not quoted amts.
There was agreement that I had to authorize via email to proceed with anything.
I asked numerously for invoice, XXXX and XXXX disregarded never sent.
At end I was charged approx. {$5000.00} not including retainer for a phone trace.
I enclosed email communication.
Also evidence XXXX XXXX threatened to break confidentiality if I disputed with credit card co.. This illegal. I included copy of email.
I tried coming to solution, they wouldn't have it. With XXXX I sent them via fax the emails. THey didn't reimburse me.
This was XXXX.
Just recently my father called me told me that he received court order from Midland Funding in AZ to garnish wages for {$16000.00}. THey purch debt from XXXX XXXX- XXXX and XXXX her husband I just found out, added interest and original amount XXXX collected from XXXX XXXX
I researched both parties. XXXX and XXXX are in multiple lawsuits, been in jail, drug charges, XXXX instigates husbands to cheat to get evidence for clients, has her daughters as well. XXXX lies like he's only an employee, when is husband.
Midland funding also multiple lawsuits for frivolous lawsuits and being investigated by the state.
|
| 11/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I have a debt with XXXX for an old XXXX card, my debt was sold to a company called midland financial. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by Midland with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.
|
| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello to whom it may concern.
I have been in contact with XXXX since XX/XX/2019 disputing a negative account and collections account they have failed to provide verifiable proof for. The accounts I disputed have not been verified since then under the FCRA and they have not been able to send verifiable proof after multiple letters I have sent.
The process of letters sent and received are as follows : 1. Sent first letter to XXXX XX/XX/2019 2. Received a letter from XXXX XX/XX/2019 and XX/XX/2019 3. Sent next letter to XXXX XX/XX/2019 4. Received a letter from XXXX XX/XX/2019 5. Received a letter from XXXX XX/XX/2019 6. Sent next letter XX/XX/2019 7. Received a letter from XXXX XX/XX/2019 8. Sent next letter XX/XX/2019 9. Received a letter form XXXX XX/XX/2019 10. Contacted CFPB today XX/XX/2019 Every time I have received a letter back from XXXX they have failed to provide me with any copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE all information which can not be verified. They have also failed to a investigation into my dispute.
*NOTE* I have attached the documents of every letter sent and received to XXXX. I have also included, on the last page of the pdf, XXXX deleted the accounts I have disputed with XXXX. XXXX have followed the FCRA and deleted all unverified accounts and XXXX should do the same. Midland Funding has failed to verify this as well.
|
| 07/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
1. ) An account was opened in my name on XX/XX/2020, with a credit limit of {$1600.00}.
The last payment processed on the account was XX/XX/2020.
In XXXX of XXXX, allegations were made against the XXXX company regarding child trafficking violations.
At that time, proclamation of bankruptcy due to economic uncertainty was reputed and no further statements were received requesting payment.
2. ) After reviewing my account, I attempted to contact the agency on ( 3 ) different occasions petitioning confirmation of the unproven debt and obtained no response each time. [ See attached documentation. ] 3. ) It is my conclusion, that this inadequacy in communication allowed Midland Credit Management to continuously charge late fees despite my efforts in contacting them for validity of the alleged debt.
4. ) My credit card limit, again, was {$1600.00} and the last purchase made was on XX/XX/2020 this would substantiate my submission that my credit card was clearly not at maxed-out capacity.
5. ) Per my initial offer on XXXX, I requested full verification of the reported debt if not contacted by MCM within 15 days. My invocation was unacknowledged. [ See supporting documentation. ] 6. ) Within a timeframe of one month, this unverified debt would be considered time barred as the statute of limitations to retrieve a debt is 3 years. It is my perspective that Midland Credit Management intentionally withheld information regarding my account and declined to disclose details ; to profit financially from the accumulation of fees up until the statute of limitation was at capacity.
Respectfully, XXXX XXXX
|
| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have informed them that these debts are not mine and they submitted inaccurate information. They continue to harass me and call me from blocked numbers. They have even called my parents and served my parents at their home and then lied to the courts stating they served me. They also called my brother and his wife and a previous employer. They have lied and caused me a great deal of humiliation and embarrassment and mental anguish. Because of them, I can not get a home or a vehicle. I am living with family members and no longer have a vehicle. My life has been ruined and destroyed because of their tactics and I feel helpless. They keep insisting I pay for this debt that I do not owe and have resulted to continuously send letters to my parents residence and they keep trying to push me to settle with their attorneys. Their attorneys have called and left multiple voicemails which I have on my phone and am able to produce. they claim they do not have to remove the debts when the statute of limitations is up but they indeed do. They are trying to ruin me financially and they are discriminating against me because of the XXXX of my skin. They attached a letter to the last response stating I am a XXXX XXXX. I have seen where others have been discriminated against them due to race. They purposely try to ruin minorities. Please see attached letter. I will not be paying these debts because I DO NOT OWE THEM so I request they stop sending letters requesting I pay them and work with their attorneys and remove the collections at once. I am currently working with an attorney to file a lawsuit against them.
|
| 11/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
At XXXX pm PST on XX/XX/XXXX a female called stating she was with Midland Credit to collect a debt for my XXXX account. I hung up on them thinking it was a fraudulent call but remembered that they are a legitimate collection company and called them back.
I called back at XXXX PM XXXX XX/XX/XXXX and it was a man who answered this time and kept going on and trying to make me make payment arrangements for another account of which I was not totally familiar. I told him I needed to research it first before I make any agreement at which he kept pushing me. He told me I had three accounts with them. He never stated the other two. I then asked about the XXXX account I was initially called for and stated that Ive never had a credit account with XXXX, ever and that if they see a collection that I need to know about it so I can dispute it and report it for fraud.
He kept telling me to forget the XXXX account and told me he could not look it up because it was not his case and went back to the other debt.
I hung up on him and called XXXX directly to see if someone fraudulently opened up a credit account with them under my name. I called XXXX at XXXX PM XXXX XX/XX/XXXX and she told me that they would not go through another agency and that there is no credit account opened in my name nor never was. My account itself is okay and in good standing.
The fact that Midland Credit was never hired by them and that they are using XXXX name to get to people is extremely unethical and in poor taste business or otherwise.
There should be some sort of legal ramifications for this behavior in misleading others.
|
| 05/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Midland Credit Managment h as a collection under my name for credit card debt in the amount of {$180.00}, which has a settlement offer of {$110.00}. I called to get more information and possibly pay online after proper verification but was not satisfied by their response and their insistence that I pay over the phone. Before hanging up, they asked if they could call me to which I said " No '' . After terminating the call I was able to determine that the representative who I spoke with made false claims, including that the collections would be added to my credit report when the debt has already exceeded the statute of limitations and was recently removed from my credit report. Now I understood their insistence and possibly their reason for lying and was not longer going to pay until I was given proper verification. The following day, I was contacted by the same representative, again claiming that this would add the collections to my credit report. Once I mentioned that I had previously stated that I did not want to be contacted and that I found out that he lied, I was placed on hold because he had " another call ''. After waiting, I explained that I know he lied and that he contacted me after I expressed that they may not. Both of which I believe are violations of the Fair Debt Colle ction Practices Act. In summary : 1 ) Midland Credit Managment 's representative lied about actions they would take to affect my credit.
2 ) Midland Credit Managment 's representative contacted me after explicitly being told they can not contact me. Further details available upon request.
|
| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX the amount of {$560.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXX A by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX A I decided to contact again XXXX XXXX A by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
|
| 05/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a court document ( memorandum of cost after judgement ( Case # involved ) in the mail under my first married last name ( XXXX ) from XXXX XXXX XXXX in the total amount of {$2200.00}. ( XXXX XXXX XXXX in XXXX XXXX, ca ). I went to my local courthouse to see if document was legitimate the court document looked fraudulently no signature or no date stamp from the courthouse. they told me that I had to contact the attorney on paper. I called Midland and spoke with XXXX XXXX ( i believe that was his name ) and asked what is going on. I was advised that a XXXXXXXX XXXX XXXX XXXX was open in my name and this an attempt to collect debit. I told him i never had a XXXX XXXX account this is fraud case and nothing is on my credit report he then changed his mind and said that Midland would send me a fraud packet to fill out. its been almost a week and no packet, i was not informed of what the bank location it is or when this even occurred no dates or anything showing Information or of any charges made, the man on the phone then stated they were gon na issue a wage garnishment. I told Midland I would Sue them if they came after my wages. I filed a Police Report with XXXX Co PD i have a tracking number. i also looked up the case online and found some of interesting stuff there is another female name I saw ( Proof of service of summons and complaint filed showing substituted service on XXXX XXXX, occupant,, mailed on XX/XX/13 ) I don't even know who this person they have a fake address on this document, but whoever has done this has my whole Identity. I will Prosecute to the fullest extent.
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} Midland Funding Account # XXXX Bal {$1400.00}
|
| 12/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX received letter at XXXX XXXX XXXX. XXXX to collect a debt of $XXXX for XXXX Credit Card. ( Acquired mail on XX/XX/XXXX from an unknown source, this is not my address). On XX/XX/XXXX mailed certified letter to Midland Funding, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA requesting documentation showing that I am the responsible party or a copy of a judgment. On XX/XX/XXXX I received at my correct address (XXXX XXXX XXXX XXXX, TX XXXX) a letter with a portfolio Number and account number no documentation to prove that I am the responsible party. On XX/XX/XXXX received a letter stating if they don't hear from me by XX/XX/XXXX the account will be forward an attorney. On XX/XX/XXXX forward another cease and desist letter to XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I added a person to my account which made that debt; however since the card is in my name I paid XXXX on XX/XX/XXXX $XXXX on the $XXXX debt. Mail the payments to XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I got a letter from Midland Credit stating that I already paid them. I never forward a payment Midland Credit Management again I paid XXXX who forward the money Midland Credit Management. On XX/XX/XXXX I get a statement from Midland with the amount I paid XXXX. On XX/XX/XXXX I get a certified mail from Midland with a notice of possible attorney review. I have the rights not to deal with a collection agencies. This is illegal. If I am paying XXXX the original debtor why are they sending my payments to the debt collector Midland Credit Management in XXXX XXXX, CA.
|
| 02/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck.
I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late.
I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years.
I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX.
The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.
|
| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received a call from XXXX XXXX XXXX stating that i owe {$620.00} for a collection on a XXXX XXXX credit card that I let go unpaid. Knowing that this was true I paid this collection agency the full {$620.00}. Soon after that I started receiving calls from Midland Funding, LLC demanding {$680.00} and some odd cents for the same collection that I had just paid. Midland has called numerous times demanding I pay the {$680.00}. I have even offered to settle with them with much hesitance since I already paid it just so this is resolved. I offered to pay 50 % of the total and was denied. On XX/XX/XXXX I sent a letter that included a dispute clause and the letter from XXXX XXXX XXXX showing it had been paid in full. Then today XX/XX/XXXX I called again to ask what the status on the dispute was. I was told that because their account # didn't match the one on the letter I sent it was denied. I asked if they had the same accounting software and systems the other company has and they replied no. I said you are two separate companies so why would you have the same reference # 's? I offered again to settle at 50 % and was told no. I then took a cease and desist letter to the mail and dropped it off on XX/XX/XXXX and notified them I would be sending it and filing a complaint against them. I have disputed with the credit agencies and Midland Funding, LLC on several occasions and nothing is ever resolved. I believe this company is falsely telling me that I owe a debt that has been paid and will not drop it until they are paid in full. I do not feel inclined to pay this debt twice.
|
| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
|
| 06/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
NOTICE TO XXXX XXXX XXXX and XXXX XXXX XXXX of MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX and XXXX XXXX XXXX claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX AND XXXX XXXX XXXX TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS.
NOTICE I am requesting an updated copy of my credit report.
|
| 03/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received any information with respect to this debt prior to it being placed on my credit report as a collection account. I was told by a mortgage lender as I was seeking pre-approval for a home loan, that a collection account with XXXX XXXX was on all three credit reports and provided me with the information regarding the creditor. I proceed to request debt validation and submitted a proposed settlement offer to pay the balance in full provided the debt could be validated as requested in the letter. The company responded with a letter written in " Spanish '' and what looked like a screen print of an account balance from their own system nothing from the original creditor nothing with respect to the debt being purchased or assigned to them, nor did it have any details that I was the owner of the debt. Not only was there no information regarding validation but I was deeply offended that it was sent to me in " SPANISH '', I wrote them a well written proposal in " English '' and I have NEVER placed on any documentation anywhere that " SPANISH '' is my preferred language of communication. I found this to be incredibly racist as well as an prime example of discrimination toward me as I have a XXXX last name. This is likely a stall tactic as they can not validate the debt, and would prefer to attempt to sell this invalidated debt to another debt collector as they know they can not legally collect on this debt.
I have attached PDFs of the letters that I submitted to XXXX XXXX and I would be happy to provide their response letters, and the certified mail return receipts as well.
|
| 05/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I need to know that you are really the company I should be dealing with on this debt.
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them.
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company.
I also need to know how you calculated the balance you say is due.
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement.
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default.
This agreement needs to be signed by a person in your firm with the appropriate authority.
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me.
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX
|
| 11/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com- pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer- tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi- site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, cor- rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting . FEDERAL laws dic- tate that any and all derogatory or potentially injurious reporting MUST be all of the aforemen- tioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
|
| 04/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
on XX/XX/XXXX While checking my bank account I noticed that there was a hold on my account in the amount of {$930.00}. I called XXXX XXXX XXXX to inquire about this hold and was told it was a bank levy/garnishment on my account in the amount of {$800.00}. The bank did not give me the debt company name but gave me the name of the Court officer who file and a contact number along with a docket #. I called the number numerous times on XX/XX/XXXX with no luck. Later that day I decided to search public records and docket number and was able to file the docket number given to me by looking up my name. Under the docked number I saw that the case was disposed in XX/XX/XXXX. It listed the collection agency ( XXXX XXXX ) who purchased the debt from the original creditor. This is not my current address & the addressed listed on the debt was an addressed from 14 years ago. No other attempts have been made to contact me, no letters, phone calls, no judgement letters, no notification that was sent about court dates etc ... I have no recollection of this debt, who is the original creditor. There is a statute of limitation on collecting a debt of this age. There is also a law exempting a bank levy of federal funds!. I receive Social Security for my daughter who is a minor and they just took that money from my bank account. No one can give me no information regarding this debt. The bank told me to call the court officer, but I have had no luck. Where is the proof of the debt that is over 14 years old and never listed on my credit report and no other attempts have ever been made to contact me.
|
| 10/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have a total of XXXX accounts that were purchased by XXXX XXXX : 1 ) XXXX XXXX with a balance of {$3500.00}, 2 ) XXXX XXXX with a balance of {$3500.00}, 3 ) Synchrony Bank/Care Credit with a balance of {$1200.00} and 4 ) XXXX XXXX BXXXX with a balance of {$2000.00}. Unfortunately, I defaulted in all these credit cards due to a hardship and ended with them, all accounts are in a legal status, so this company is about to suit me.
I am doing my best to prevent a big lawsuit from this debt buyer and later pay more money in interest and legal costs. I decided to work 2 of these accounts XXXX XXXX XXXX and XXXX Bank XXXX XXXX to show this debt byer I have good faith intention to resolve my debt and to alter work on another XXXX.
My representative ( who called on my behalf ) contacted this company and after several attempts he got an offer for 60 % settlement for the XXXX XXXX and XXXX Bank XXXX accounts, thing that is great for me. The only issue is that the debt collector is asking for a single payment and I am not in the position to pay this settlement in a lump-sum, thing that is sad because if I dont pay this, and since the accounts are placed in a legal department, I will get suit and due to interest and court fees the balance will increase.
I am just asking for help to split this offer in payments, I am getting the money form a family loan but since XXXX pandemic started is hard to put together $ XXXX together and no one in my family have that money. But I already made the arrangements, and I can afford payments of {$800.00} per month. Even we can work all for in once.
|
| 10/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice dated XX/XX/XXXX, from a XXXX XXXX, XXXX that a Judgement Creditor of Midland Funding LLC had a judgment against that I was ever contacted about as I was proved any documentation that I was to appear in court. I am a father of XXXX kids and during COVID19 I was unemployed for months. Thank go my landlord was nice enough to understand that I could afford the rent and now that I am back at work and I owe back rent to my landlord I can not afford at this time were so many people are faced with daily obstacles that place them on the border of being homeless afford to have my check garnished, especially for a judgment I know nothing about. This is horrible that this is happening. I will be going to XXXX XXXX XXXX and requesting that I be provided more information. My community is in the red hot zip code area for high XXXX cases and my kid 's school was shut down to have to deal with this is really unfair. Everyone in the country knows how this virus has affected people and to start garnishing people checks who can barely put food on the table is horrible. Please help me to understand what is going on. This is really unfair I ever received papers to appear in court on XX/XX/XXXX this is over five years ago. This is horrible that given what I have gone through being unemployed to now be threatened that a creditor who I have no idea who this creditor is, Now is garnishing my check is really inhumane and I was not informed is disgusting I have no idea to what is going on and I was ever informed that I was to appear in court back in XXXX no papers were send to me.
|
| 01/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I NEED HELP WITH THIS. THIS IS GOING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. PLUS, I've never received the disclosures and required documents that I have requested for months now. I circled the internet and I came across the case attached where the plaintiff asked for the same thing and the company named failed to provide. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My complaint is related to the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt.
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.
|
| 06/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent Midland Credit a letter asking for information on this debt along with a signature showing this debt to be mine. I explained that this debt I contacted XXXX XXXX XXXX in XXXX and filled an insurance claim for the loss of my job. I asked them why they have it when XXXX XXXX was supposed to have been getting the minimum payment dues.
They could not explain that and then told me to contact XXXX XXXX which I have tried to do to ask why my insurance has not been paying the minimum bill and keep getting sent back to midland.
So while talking to a manager at midland she pretty much asked me why I was a piece of XXXX and didn't pay the bill and why I didn't feel bad not paying my debts then told me it didn't matter why I lost a job I should work anywhere to pay it. I tried explaining I had a loss of income and couldn't pay it she then told me that they would be reporting this showing negative and it would ruin my credit to get rental housing or credit with any company until I did.
I have requested documents showing the insurance was not paying the balances, I have requested in writing from XXXX XXXX a reason for my insurance not making minimum payments and keep being told to deal with midland credit that they can answer it.
Midland says I owe XXXX but 1 phone conversation with XXXX XXXX told me that midland purchased this debt for {$100.00} and should not be asking for {$910.00}. I then requested all documents of purchase and who sold the debt including who at XXXX XXXX they contact with this debt and only receive the bills which I believe are wrong.
|
| 12/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am disputing the collections balance of {$1400.00} under Midland Credit Management , Inc. MCM Account Number XXXX. Midland 's letter states the original creditor was XXXX , XXXX . The XXXX XXXX Consumer Account Number XXXX, however, I personally contacted XXXX XXXX and XXXX XXXX and they stated they did not recognize the account numbers provided by Midland. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the Midland to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call Midland, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent Midland, their lawyers XXXX XXXX XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by Midland, XXXX and the credit agencies, yet both Midland and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.
|
| 08/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX on XXXX ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept XXXX XXXX account! I ll never have had any XXXX XXXX account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XX/XX/XXXX! Thank You!
my daughter 's lab top has no spell ck, sorry! lol!
|
| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Midland Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX ) purchased my debt from Atlantic Credit in XXXXXXXX XXXX. I had an agreement to pay biweekly payments every 2 weeks for XXXX ( via automatic withdrawal from my checking account ) and had been making payments as agreed upon for over 14 months.
Midland Credit sent me notice at my home that the debt had been purchased and that payments would continue to be withdrawn on a biweekly bases.
They however sent notice to my employer as well notifying my employer of my debt.
The Office manager received the correspondence from Midland and stated that they do not want to be responsible for garnishment of wages. The Office Manager at my work is now recommending that I be let go over this.
On XX/XX/2020 I called Midland Credit and my call was transferred from one person to the next with no one acknowledging that they had even sent the notice of the debt to my employer. When asked to speak to a Supervisor there was no one available during routine business hours or in a Customer Service Role. When transferring my call they wanted me to pay the full amount of the debt on the spot and not address any of the issues that I called about. I notified Midland Credit that they are not to contact me at my employer since their actions may be the cause for my termination.
These type of practices clearly step over the line of reasonable. If I had not been making payments on a regular basis, had defaulted on the original agreement then further action by a debt collector may be warranted, but this was not the case.
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am filing a complaint against Midland Funding for an account that they are reporting on my Credit Reports. I have been disputing the Validity and Accuracy of this account for several months and not only have they failed to correct the errors or provide proper verification that this is my account ; they have added this account back to my credit report without any notification and they've recently added the same account with a new account number to my credit report. Also, the Original Creditor that they are listing isn't even on my credit report. I am preparing to purchase a home and their actions will make it difficult, especially now that they are being malicious by adding another account, reporting this collection account as current and continuing to report false information.
My Name is : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Company the complaint is against : Midland Funding Account # : XXXX New Account # Recently Added : XXXX I have included : - Screenshots of the information being reported on my Credit Reports ( As of XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX ( Dated XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX ( Mailed XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) Thank you in advance.
XXXX XXXX
|
| 12/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have for some time disputed Midland Credit Management about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on Midland Credit Management and XXXX and XXXX and XXXX replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Midland Credit Management decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Midland Credit Management was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX and they said they didn't receive anything from Midland Credit Management that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.
|
| 06/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland credit management sent me letters of alleged debt through their lawyers XX/XX/XXXX. I disputed the debt and it was erased from my credit report. I also ask for fraud alert to be placed on my account with the three major credit bureaus. XX/XX/XXXX I had a summons taped to my door by a process server, Midland credit pursuing me for the same debt that is not mine and was deleted from my credit report. I responded to summons that is currently litigating it in court. XX/XX/XXXX I obtain my credit report from XXXX, XXXX and XXXX. On XXXX and XXXX Midland credit had been reporting the debt and reporting different amounts than they are currently suing me for and the account numbers are different than account numbers that I'm also currently being sued for. All of the bank statements had numerous different addresses which I never reside and I constantly dispute through this whole case that this is not my debt, I do not owe it and that I am not the owner of the debt. Also, midland credit did not put in comment section of report that I disputed the debt until I serve them with a motion to dismiss XX/XX/XXXX and one of the bases was that they reported false and inaccurate information to the credit bureaus. XX/XX/XXXX I get an alert from XXXX that my credit report has been updated. Midland collection agency finally updated to show that I disputed the debt but had not reported for at least 2 years. Midland credit not reporting that obviously has had an effect on my credit score and report profile. My credit score went up 25 points just from them adding that comment alone.
|
| 02/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$3300.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX XXXX account and this is a direct result of Identity Theft. Furthermore, according to my current XXXX XXXX Report and other sources, there has been a civil lawsuit files against me in XXXX XXXX Case # XXXX by Midland Credit Management. Midland Credit Management has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), you are required by State and Federal laws to cease all debt collection, and remove these fraudulent accounts reported on my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
|
| 06/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 I received a letter from a debt collector XXXX Midland Credit Management , Inc ) alleging I owe XXXX XXXX, issuer of the XXXX XXXX Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above XXXX ) and would not want to jeopardize it in any way. I contacted XXXX XXXX to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call Midland Credit Management Inc., and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.
|
| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Midland Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX ) purchased my debt from Atlantic Credit in XXXX 2020. I had an agreement to pay biweekly payments every 2 weeks for XXXX ( via automatic withdrawal from my checking account ) and had been making payments as agreed upon for over 14 months.
Midland Credit sent me notice at my home that the debt had been purchased and that payments would continue to be withdrawn on a biweekly bases.
They however sent notice to my employer as well notifying my employer of my debt.
The Office manager received the correspondence from Midland and stated that they do not want to be responsible for garnishment of wages. The Office Manager at my work is now recommending that I be let go over this.
On XX/XX/2020 I called Midland Credit and my call was transferred from one person to the next with no one acknowledging that they had even sent the notice of the debt to my employer. When asked to speak to a Supervisor there was no one available during routine business hours or in a Customer Service Role. When transferring my call they wanted me to pay the full amount of the debt on the spot and not address any of the issues that I called about. I notified Midland Credit that they are not to contact me at my employer since their actions may be the cause for my termination.
These type of practices clearly step over the line of reasonable. If I had not been making payments on a regular basis, had defaulted on the original agreement then further action by a debt collector may be warranted, but this was not the case.
|
| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX put to collection XXXX XXXX XXXX the amount of {$490.00} opened XXXX2015. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX I decided to contact again XXXX XXXX by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
|
| 03/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Last XXXX of XXXX RE : XXXX Dear MIDLAND CRED : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on [ XX/XX/2023 and identified this alleged debt. first i would like proof of charge off as well as an explanation of why and how the balance increased.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
|
| 07/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was erroneously re-submitted on my credit report by Midland Funding LLC. Midland Funding contacted me in 2013 regarding this account and at that time I advisedthem the account was not valid. Midland Funding LLC erroneously pursued this account by filing a civil suit against me with XXXX County Circuit Courts.
On XXXX/XXXX/2013, I attended the hearing along with Midland Fundingattorneys, at that time I advised the presiding judge this account was not valid and I also advised him I repeatedly advised Midland Funding of the same. The judge requested Midland Funding show proof of the accounts validity. Midland funding was unable to do so at the time of the hearing so they were given a set time to validate this account before the courts.
Concurrently on XXXX/XXXX/2013, I filed disputes with all XXXX credit bureaus disputing this debt.
Midland Funding failed to supply proof to the courts validating this debt, so XXXX week before our next court date Midland funding dismissed the case on XXXX/XXXX/2013. Please note the case was a dismissed XXXX days after my dispute.
Upon dismissal of the case I forwarded this information to all XXXX credit bureaus and the account was removed byall XXXX bureaus.
After a period of about XXXX year Midland Funding attempted to pursue this same account unlawfully. They attempted to resubmit the account to all XXXX bureaus, XXXX of the XXXX bureaus denied their attempt to unlawfully place this account on my bureau and XXXX somehow did n't verify the previous information sent and placed this account back on my credit report.
|
| 08/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
Since this company 's repeated failures would indicate an inability to provide me with validation as in accordance to the FDCPA, I demand that they cease all collection activities, close this account, and cease any and all reporting to all credit bureaus. I demand an immediate deletion to all credit reporting agencies. I demand that this be acknowledged and provided to me in writing for my personal and legal review as well as for my records.
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation.
The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
|
| 07/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I have had an XXXX XXXX XXXX XXXX credit card for many years. I hadnt used the card for quite some time and for that reason, I hadnt received any statements from them. In XX/XX/XXXX, I received a Pre-Legal Notification from Midland Credit Management stating that I had a balance due of {$13000.00} on a XXXX XXXX XXXX XXXX XXXX credit card and that I should contact them. I spoke with XXXX XXXX on XXXX. She told me the last time the card was used was XXXX. I told her that they werent my charges. She said she would send that info to their Fraud Department. I received a new notice from Midland in XXXX. I called and spoke with XXXX XXXX on XXXX. He told me the account had been delinquent since XXXX and was placed for collection with them on XXXX. He also told me, that for some time, the address on the account was listed at XXXX XXXX XXXXXXXX XXXX XXXX, New York. I have never lived at that address, and I have never lived in New York. He said he would report this information and I would hear something within 90 days. I received a notice from Midland in XX/XX/XXXX requesting the details of my complaint. I reiterated everything above. Again, in XX/XX/XXXX, Midland sent another notice saying they were uncertain of what I was disputing. I wrote back, stating that I was disputing the charges of {$13000.00}, as I did not incur those charges, nor did I change the address on my account to New York, and that I want to report this as fraud. I just received another notice from Midland stating that I need to provide them with a fraud affidavit, which is why I am now writing to you.
|
| 11/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello and how are you? Listen, I was going through my credit again, and noticed several variations on the way this account is reporting on my credit file. How is it possible all the 3 major credit bureaus are reporting wrong date of last activity, wrong reporting date, wrong balance, etc? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 07/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate!
By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate.
MIDLAND CREDIT MANAGEMENT, XXXX XXXX, XXXX XXXX XXXX, IS A FURNISHER of information to a consumer reporting agency.
Therefore they are prohibited to furnish inaccurate information.
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I signed up with a credit repair company called XXXX XXXX XXXX ( XXXX ; XXXX ) ... for a debt of about {$3000.00} during XXXX. I was paying {$100.00} every month. I kept my commitment and paid every month through XXXX. During the covid pandemic I lost my job but I continued to pay when I could. I asked for a repayment plan that would work with my situation. None was ever offered.
The debit was then transferred to Midland Credit Management. Midlandcredit.com. ( XXXX ; XXXX ; XXXX ) ..I don't know why it was transferred. I was never informed about the transfer of my debt. For some reason, some of my payments weren't accepted. I called to ask why and they never explained the reason why my payments weren't accepted.
I then received a notice in the mail in XX/XX/XXXX that my debt was now increased to {$1000.00}. I had paid the debt down to {$100.00}, so I did not understand why my debt was increased to over {$1000.00}. I called Midland Credit Management in XX/XX/XXXX and inquired about this increase. They did not give me any answer. They said they declined my payments sporadically .... for XXXX, XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX. They did not give me a reason why.
Now Midland Credit Management states that I owe {$1000.00}. They have never explained why my debt has increased over 10x. They intend to file on my credit report.
I beleve both of these companies are engaging in illegal and predatory practices towards their customers. Can you please investigate and help me determine how to prevent these 2 companies from negatively impacting my credit score.
|
| 01/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XX/XX/XXXX I was approved on an individual basis for an XXXX XXXX credit card through XXXX. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XX/XX/XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX is n't stressful enough, I have been stressing about his debt that is hurting my credit score!
|
| 08/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
The company Midland Funding collected on a debt that I did not have with them, stating that I owed this debt from a closed account whose original debtor is XXXX XXXX XXXX. XXXX XXXX XXXX wrote off my account in XXXX for a credit card that was {$250.00} and midland funding stated my debt was sold to them for collections. I did not know who Midland funding was because I have never signed anything with them. They filed a lawsuit in a county hours away from where I live and my employer received a letter for my wages to be garnished. As of XX/XX/XXXX they garnished {$1000.00} stating that I owed {$940.00} plus {$60.00} court fee. I didn't believe there was anything that I could do about it so I did not do anything. Then I realized my check wages were garnished again while I'm out on medical leave and here it is the same company again in XX/XX/XXXX garnishing my wages stating the I owed {$670.00} which includes {$480.00} owed to them and {$190.00} in court summons. I don't understand how they are able to keep garnishing my wages and I don't owe them anything nor have they presented any paperwork that shows how I acquired this debt from them. This has put myself and my family under a very stressful and financial bind. After viewing my credit report it shows that I owe them {$790.00} more. They have had several different amounts on my credit report.This has left me stuck wondering where and what do I do next. There are no more paychecks left for them to garnish wages as I am on leave without pay and they took my final check. Can someone please assist me with this?
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom It May Concern : This letter is in response to your recent claim that MIDLAND CREDIT MANAGEMENT verified the account they are reporting is accurate.
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.
Name, address, and telephone number of each person contacted regarding this alleged account.
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.
The item in question is inaccurate and represents a very serious reporting error.
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
|
| 12/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue.
I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me.
I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment.
I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report.
As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated.
While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.
|
| 09/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX, XXXX have no contract / agreement with Midland Credit management. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is XXXX XXXX XXXX XXXX and I didn't agree to a contract with them either. I formed an agreement with XXXX XXXX which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court.
If Midland Credit Management can Produce a Valid contract between XXXX XXXX and Midland Credit Management stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
|
| 08/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midland Credit Management did not properly notify me of the alleged debt. When I noticed the alleged debt was on my consumer reports, I requested Verification of alleged debt. What I was provided was a billing statement and a letter from XXXX XXXX that stated Midland Credit Management owns the debt. The letter was sent to a previous address which I no longer reside at. I was not giving the opportunity to challenge the letter within the allotted 30 days. I also requested to cease and desist in the affidavit. I sent this information to Midland Credit Management.
This is in violation of the following : 15 U.S.C 1692g ( a ) ( 3 ) - Validation of debts a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.
15 U.S.C. 1692b and c- Communications Connected with Debt Collection Cease and desist was communicated to Midland Credit Management which means When a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that : The collection effort is being stopped.
|
| 05/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account.
Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus!
I am demanding that they immediately remove this account from the XXXX Credit Bureau.
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX
|
| 09/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It was brought to my attention when pulling my 3 credit bureau reports that I had an account with XXXX XXXX. I contacted them on many occasions and ask for proof that this indeed was my account and was told they only had the last 4 digits of my social, my phone number and address provided to them when the account was purchased from the claimed original debtor. I informed them they would need to provide me with legitimate proof that this was me. I began to dispute this account on my credit and it was removed by XXXX due to no proof of ownership but XXXX and XXXX have chose not to follow suit. I researched and found out that XXXX XXXX has a terrible tract record for their collections tactics. The following is a copy of the letter I sent to the 3 credit bureaus. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violates consumer rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. On several different occasions I have asked Midland to provide me with documentation that the account is indeed correct and have been told by a supervisor there that it was provided once many years ago ( I never requested it and this account is due to be removed in XX/XX/2019 I believe ) and they would not send it again.
|
| 11/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I attempted to reach out to Midland Credit Management to settle a debt that is in collection. The debt is originally from XXXX and was charged off by XXXX at {$3500.00}. MCM is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to MCM. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with XXXX to correct information on my credit regarding a collections account. As of today, the only thing XXXX has done is reduce the collection amount by about {$600.00} or so.
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector.
According to my XXXX credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX.
I have provided copies of my court document and all seven money order receipts as well as the XXXX XXXX receipts to show that I have been doing everything required of me based on the settlement.
At this point I believe that XXXX is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant XXXX do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments.
As for the collector-Midland XXXX XXXX XXXX XXXX XXXX they are a bunch of crooks. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off.
Thanks
|
| 01/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear CFPB, This account : MIDLAND CREDIT XXXX, MIDLAND CREDIT MANAGEMENT, and/ or MIDLAND CREDIT MANAGEMENT XXXX ( XXXX ) is reporting several inaccuracies and False Information. The reported Companys Name, and Mailing Address for this account is Different and inconsistently reported on my XXXX, XXXX, and XXXX report.
XXXX : Name : MIDLAND CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX LA XXXX, XXXX XXXX, XXXX XXXX, CA XXXX To my knowledge it is Not Possible or accurate for a Company / Account to have XXXX Different Names and Mailing Addresses. Furthermore a company is prohibited from reporting a XXXX XXXX XXXX and/or Mailing Address.
My second complaint is this Account is reporting Past Due : {$640.00}, which is Falsely Reported because that would indicate that a prior payment arrangement was made regarding this accounts balance, in which I DO NOT have ANY prior or present payment arrangements. with MIDLAND CREDIT MANAGEMENT, MIDLAND CREDIT XXXX, or MIDLAND CREDIT MANAGEMENT XXXX.
Also XXXX is reporting the date of removal XX/XX/2027, and XXXX is Reporting On Record Until XX/XX/2027.
This is also inconsistent and inaccurate because these dates should be the same if the data furnished is 100 % accurate. This also a indication that this account may have been RE-AGED at some point.
Please investigate the accuracy of the complaints described above.
Thank you
|
| 04/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The company and or companies associated with XXXX XXXX XXXX and/or Midland Credit Management Company are attempting to garnish my wages for a defaulted judgment in the amount of XXXX that I have never received notification of. The company states the debt is with XXXX however, I have never had an XXXX phone or account nor did I sign any type of agreement stating that I did in fact owe this or even claim it was mine to begin with. In addition, I have requested the company provide evidence that this belongs to me and they have failed to do so. My employer received a summons and we both ( Company Representative and Myself ) must appear in court at the address listed on the court documents attached. Additionally, the records indicate that my previous employer had been served with the Writ of Garnishment however, this was never brought to my attention by my employer, nor have they delivered any such documents to my home of residence. The address contained in the court documents is not associated with me. Finally, this suit is Time-Barred pursuant to US CODE : TITLE 15 Chapter 41 Subsection II.
Additionally, on XX/XX/XXXX subsequent to learning about this garnishment, I contacted the company to later find that their name was MCMC or Midland Credit Management Company and asked for evidence of this matter. The woman, XXXX XXXX. XXXX provided login information of my account number and the last 4 of my social. When trying to use this information, the website says it is incorrect ; that said, I contend that said evidence does not exist and demand proof thereof.
|
| 08/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received letter stating debt was owed for a credit card account that was charged off in XXXX of XXXX. Responded to the claim on XX/XX/XXXX asking for further details which included : 1. The original amount of the debt ; 2. The original contract or information about this account ; 3. The name and original creditor to whom this debt is owed ; 4. Verification of each transaction held for this debt, and or any court ordered judgment against it ; 5. Proof of historical payments made, transactional history of the account ; 6. Proof that the collection agency is licensed to collect in the State of XXXX ; In this letter, I clarified that this account was in fact fraudulent, that all charges were not mine/never were mine, which included the information pertaining to the existing police report for fraud ( which names this account, among many ) ; with a named perpetrator who is in prison.
The response was received by the collection agency on XX/XX/XXXX with a letter stating their accounts were accurate, that they were essentially ignoring the communication sent via certified mail ; followed by a single, final financial statement from the original creditor with interest only charges ; no other historical transactions. They are unwilling to cooperate and acknowledge the criminal findings and formal police report and continue to pursue the debt.
They have continued to make phone calls to my phone even after requesting on XXXX occasions they cease communications that were not via They blatantly ignored the information in the letter and have been uncooperative.
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This was three wage garnishment on XX/XX/XXXX, the final garnishment payment was sent out via my HR department which should if over paid the garnshiment.
Between XX/XX/XXXX and XXXX the remaining balance was about XXXX dollars.
E-Mail from HR to Midland : Hi XXXX, I am attaching the latest letter from Midland Credit per your request. On XX/XX/20 at XXXX XXXX I spoke to XXXX from Midland and she stated your balance was {$33.00} and I informed her that we had your payments being generated from XXXX automatically. The payment was for {$210.00} and the employee would have to be credited the difference of {$180.00} and she stated not a problem, they would be responsible for the overage being sent to you.
Thank you and so happy that this is over for you and your family.
Have a blessed weekend.
XX/XX/XXXX the balance doubled to XXXX. And change then XXXX.
HR stopped garnshiment after over payment,. HR notified me on XX/XX/XXXX that they received a continuance and my payment yesterday doesn't show up and neither does the garnshiment from XX/XX/XXXX which it hasn't show up at all in this two weeks.
I spoke with a XXXX at around XXXX XXXX AZ time after I submitted the payment of XXXX dollars. She stated that over payment will be refunded. And she submitted the paperwork to go to legal team to stop the garnshiment.
This is getting ridiculous two times already balance should if been brought to XXXX and they keep tacking on fees and payments I have Ave had submitted no longer show up.
This morning I log in and balance is over XXXX dollars
|
| 01/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This company is attempting to sue me for not paying a debt that isnt owed to them. This brought on a tremendous sadness. I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it. In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C. When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible. According to my research, Section 1681 ( 5A ) of Title 15 of the United States Code deals with now false or questionable facts are handled. They cant provide any verifiable proof that I signed anything agreeing to pay them. Under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
|
| 09/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midland credit collection went into my bank account and stole funds from my account for a bogus credit card account that was paid off in XXXX with which I have a copy of my credit report stating that fact with XXXX lates reviewed for 48 months. Midland credit took XXXX unauthorized on an account that was paid off. I first contacted the company on XXXX/XXXX/XXXX. It took so long because of everything that was going on I did not utilize credit. When I realized who the companies were that fraudulently took funds out of my account I began to call them. Midland credit despite having no outstanding account admitted to taking the funds. I faxed over a police report as per their request when really I did n't have to because this is an unauthorized charge that was well over XXXX years old. In speaking to the supervisor, he told me that the police report I obtained from the XXXX RI police Department was not a real police report. Wow, I could n't believe my ears and the fact that they are going to these lengths not to pay back funds taken without my permission on an account that i did n't owe anything on. On XXXX/XXXX/XXXX when I called, I was told they had no documentation. On XXXX when I called, I was all of a sudden told they had documentation. I told them I wanted to hear or see where I authorized this charge. That is the bottom line it was not authorized by the account holder and they decided to help themselves and go in and take funds that were not even owed to them. The supervisor told me he was waiting for the manager in XXXX XXXX to get back to him.
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning an account I had that went into collection. One is with Midland Credit Management the original creditor was XXXX XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. I made an agreement with Midland Credit on XXXX, received my settlement offer letter by mail and the check posted to my family 's account XXXX Ref # XXXX. I have been reaching out requesting a paid off letter/notice as promised by Midland and have been seemingly getting the run around & being told to check back in a week, it's pending a settlement etc.. I was also told I could go online to MCMXXXX. I did so and it seems as if Midland generated a 2nd account with the balance of the Original Credit amount owed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. Midland has been ask by me to provide a definitive day & date I can retrieve and receive a notice reflecting a {$0.00} balance and to date it has not happened. I even asked why does it appear that another account was generated as if I did not pay the amount agreed, no clear response was provided to that question either.The Original amount owed was {$690.00} and the settlement offer they made and I accepted on XXXX was for {$590.00} ; which leaves a balance of {$100.00}, which I see outstanding. I need assistance please in the form of a Paid-Off notice.
Thank you in advance XXXX
|
| 03/29/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is in complaint against collection agency Midland Funding.
Accounts in reference are all held by Midland Funding- XXXX for {$470.00} with XXXX ( original creditor ) In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the above mentioned accounts. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record.
I spoke to XXXX on XX/XX/2016 and requested itemized charges relating to the time period in question. He said he would get them out to me in 7-10 days.
On XX/XX/2016, I received a response from manager XXXX XXXX stating that a determination was made that this is my debt but that a police report or affidavit may be submitted for further review. I responded back by mail that I needed itemized invoices and signatures of purchase or any other means by which to differentiate actual charges from unauthorized charges. I have received nothing.
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''.
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
|
| 12/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Midland Credit Management : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account.
They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one.
Please assist in this devastating collection crew!!!
|
| 04/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My credit card that I originally had from XXXX XXXX went into collections however they sold my information to a different agency which contacted me to settle and pay off this debt and was told that this account would be reported paid and closed this account I made the payment in full. The credit bureau has now updated a report this inaccurate account as a charge off has if it as never paid this account.I reported this as a disputed to the credit bureau asking them to investigate this matter according to them they said that they have investigated and they have completed their report and they have updated my credit information that I failed to pay. I contact original creditors they told me that the creditors that they sold my information to has this account I called that creditor they said yes they do have it that I did pay and settle this account and it was not a charge off and they reported that to the credit bureau however the credit bureau has now updated this Inaccurate information to my credit report this account is viewed as failure to pay and now as a charge off. I responded to the credit bureau to have them update and do another investigation to update my credit report.I paid off a lot of my debts assuming my credit report and score would change. This account has been paid off for two years now. Credit bureau is reporting on some of my Credit report that some of my accounts are paid but I still have not gotten a score in four months.which is now costing me financially with a higher interest rate. Please help me with this manner thank you
|
| 04/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To Whom It May Concern : I have recently been informed that there is negative information reported by MIDLAND FUNDING LLC in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings.
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ).
Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
| 11/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name.
Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2022 I was summons by Midland Credit Management. I called their attorney to ask what was this about and was told that I was being sued for 2 credit cards for {$3300.00} 1 plus court fees unless I paid {$100.00} down and {$200.00} a month until debt is paid. I was told if I miss one payment, the judgment would go into effect. I received this the same time I was being served with eviction. I was terrified and devastated. Out of fear, I paid the {$100.00} dollars on XXXX. But I began to ask questions because I didn't know which credit card was owed what and what were the mysterious court fees. I called 3 times and got a different amount each time. It was stressed to me to sign a judgement letter as soon as I received it in the mail and rush and return it so I wouldn't get sued. I was told the judgement letter would stop the law suite and the creditors would not come after me any more. The guy representative on the XXXX of XXXX said once they receive the judgment letter, they will call the credit card companies and let them know that I signed the judgement letter and they can stop the suite . Everything began to sound shady. After sending the {$100.00}, they sent a letter stating that I agreed to a recurring payment of {$100.00} and I didn't. I stressed it was one time. I didn't return the letter, I answered the summons, and sent a cease and desist letter never received a debt validation later or the chance to dispute. They knew I was being evicted and used that to scare me even more. I'm waiting on my court date. I decided to fight back.
|
| 03/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with XXXX XXXX on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from Midland Credit Management stating that there was a balance of {$240.00} being reported by XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to XXXX XXXX, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact Midland Funding to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.
|
| 12/07/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Funding Management/Midland Funding is the collection company that has misrepresent the amount of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I reached out to Midland to settle the old debt. In XX/XX/2016 the company sent a letter that indicated that I owned an amount of {$4400.00}. I responded with several letters between XXXX and XX/XX/2016 requesting to settle the debt. The company never responded to any of the correspondences, never offered a " yes '' or " no '' to my settlement request, nor did the company validate the debt amount they were claiming. However, what Midland has done is to report different and increasing balance amounts to all three credit bureaus.
According to my credit report records the amount they say I owed did not start increasing until I reached out to try to settle the debt. In XX/XX/2016 the company was reporting a balance on my credit bureau account of {$5700.00}. In XX/XX/2016 Midland reported to the credit bureaus an amount of {$9100.00}. Then in XXXX Midland jumped the amount to {$10000.00} to all three credit bureaus.
I have been disputing the Midland Credit items on my report with all three the credit bureaus for about half a year now. Finally, expecting my credit reporting for Midland to read correctly, my XX/XX/2016 XXXX credit report reflected the balance of {$4400.00}. But in XXXX Midland turned around and decided to change the account balance to {$10000.00}. XXXX representatives recognize the inconsistency and problem with the balance changes on my credit file.
|
| 09/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .
|
| 02/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021, I called this company and spoke with 4 different people. Their company continued to hang up on me. When I finally got someone on the phone, I agreed to a settlement of {$980.00}, which is ridiculous because the original debt is XXXX. I gave the rep my card number 3 times, but they continued to say that the system wouldn't allow them to take this information. So I provided them with my husband 's bank information, routing and account number. After the rep took this information, she assured us that the payment went through and we will receive a letter in the mail in 7 days saying the debt was paid. She was extremely rude when taking our information. When the information was received, I asked for a confirmation number. She did not provide me with a number. I also asked if she could email me something saying the debt was paid. I commenced to give her my personal email. She said it wasn't working. I tried to give her my husband 's email, she said she couldn't use his. I tried to give her my work email, she said that she couldn't take that. So finally my personal email works. I check my email, but still not email from Midland. Today, XX/XX/XXXX, I checked the account for Midland and my balance still reads {$1400.00} as my balance. So that let 's me know that my payment was not received or didn't work. This has been a terrible experience with a debt collection agency. This has actually been the worst experience ever. This is a huge hindrance. I am working on my credit report and trying to settle somethings and this is not working out.
|
| 08/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
There is an outstanding debt of XXXX owed to Midland Funding LLC. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to Midland to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens.
Midland has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( XXXX, XXXX ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to XXXX regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is currently close and this can put my credit in jeopardy.
|
| 05/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have.
Thank you
|
| 08/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I CALLED THIS COLLECTION AGENCY THAT MY MORGAGE COMPANY SAID I HAVE A JUDGEMENT AGAINST ME..I PULLED MY CREDIT REPORT TO SEE BUT I DIDNT SEE THEM ON THERE. SO I CALLED THEM AND THEY TELL ME ITS A XXXX DEBT FROM XXXX. I TOLD THEM I DIDNT HAVE A XXXX XXXX MY EX HUSBAND DID AND IT WAS ON OUR DIVORCE DECREE THAT HE WOULD BE RESPONSIBLE FOR HIS BILLS AND HE SAID IT WAS IN UNDEER MY SOCIAL WHICH HE TOLD ME THE SOCIAL OVER THE PHONE I ASKED HIM HOW HE HAD THAT AND HE SAID IT WAS FROM THE DEBTOR.. I SAID NO BECAUSE I NEVER HAD A CARD FROM THAT COMPANY OPEN IN MY NAME HE ASKED ME IF I WAS PAYING IT AND I SAID NO IM NOT PAYING MY EXES BILL THAT IS NOT MINE AND I NEED IT DISPUTED AND HE SAID SO YOU ARE SAYING YOU WONT PAY IT AND I SAID DID YOU NOT HEAR I HAVE NEVER HAD A XXXX CARD AND IT IN LISTED ON MY DIVORCE DECREE THAT MY HUSBAND WAS THE ONE WITH A CARD HOW DO YOU HAVE MY SOCIAL SECURTY # HE SAID ARE YOU REPORTING THIS AS FRUAD. I SAID YES I JUST TOLD YOU I READ HIM OFF WHAT IT SAID ON THE DIVORCE DECREE AND HE JUST KEPT TALKING ABOUT HOW HE DOESNT CARE AND IT WAS ISSUED BY THIS BANK IN BEHAVE OF XXXX AND I TOLD HIM IF WAS MINE HOW WOULD XXXX GRANT ME A CARD NOW THEY WOULD DENY ME..HE SAID BECUASE THEY ARE DIFFERENT BANKS AND I SAID YES BUT IT WOULD HAVE BEEN on my credit these Last 9 yrs o i looked at my report this weekend and that name has not been on there.I still get all the debt collector harassing me all these yrs over my exes bills.can I please have this removed so i can buy my house that was awarded to me in the divorce from my ex please
|
| 01/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
A agency by the name of Midland Credit Management Inc sent a unknown male individual to my home at night to serve papers. At the time, I am new to the state of Arizona and don't know anybody well enough for them to come to my home at night. I moved away from my previous state due to make stalking and XXXX XXXX by unknown males. This carrier for Midland Credit would not speak clearly so I could understand him no matter how many times I asked. He then forceful say that he have pictures of me. I was shocked! He then proceeded to demand that I show him my ID as he launches for entry to my home. My daughter and minor son was behind the door as I immediately closes my door before he entered. We were in disbelief of the events that just happened. We did not know what provoked this violent event. When I walked my son out the next morning for school I saw a packet of court documents and couldn't imaged all this happened in a very scarry attempt to serve me. I now feel unsafe in my new home. I thought I escaped aggressive men in my old state. I have several police reports of past trauma caused by unknown men that attack my home at night. Please help. I felt safe in Arizona until this happened. I filed a complaint with the attorney general of Arizona concerning this matter. I plan to contact law enforcement and file a report now that I know my rights as a woman. This should not happen to vulnerable women and their families. I now have to install a security system due to this violation against my family and I. Thank you for your help with this matter.
|
| 07/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that XXXX sold to Midland. I had taken a loan with XXXX in XXXX and have proof it had been paid off. I sent a copy to Midland Credit Credit Management and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care.
In XXXX they sent an order through XXXX XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature Midland could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me.
Once again, Midland Credit Management has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.
|
| 06/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a notification that Midland Credit Management placed a collection on my credit report. I have had a payment arrangement in place since XX/XX/XXXX and six months later Midland Credit Management decides to place a collection on my credit report. Midland website even says, and I quote : " MCM believes in fairness and transparency around credit reporting. We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ).
We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ). '' This account is over two years old and I have been paying the agreed upon amount every month for the last six months. Midland Credit should not be reporting a collection to my credit report for an account that I have been paying on faithfully. I have not received any notices or communication recently about this debt before being placed on my credit report.
We are in a pandemic and I am barely making it financially yet I still make sure the payment is received every month.
It does not make sense to add a collection to my credit report after payments have been made already to resolve this debt. Especially 6 months later.
I want this collection from Midland Credit Management deleted from my credit reports immediately!
|
| 06/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
Midland Credit Management has repeatedly called my phone number, both asking for me and asking for people I do not know, at unacceptable hours, such as the phone call at XXXX this morning on XX/XX/19. They claim that they have an address in a time zone that would put them calling at XXXX, but that address hasn't been used in over 2 years, and if they did their research and had correct information, they would discover that we never even lived there while we were traveling for work overseas and that it is nothing but a mailing address to a postal box while we were traveling for work overseas. I have asked them repeatedly not to call during business hours as I can not take phone calls at work and not to call in the middle of the night. I have asked them not to call asking for the other people that they are calling as I do not know them. I have also explained to them that we are in the process of filing bankruptcy but they do not care. In all of the above instances, the just ignore my requests and continue to call whenever they want in a very obnoxious and threatening manner. I have recorded several of the phone calls and have them logged into my phone records that are time-date stamped.
I asked them again not to call me every again. Although " XXXX '', they Midland Credit Management guy from XXXX, gave me a call back number of XXXX, it showed up on my caller ID as XXXX, a phone number from the XXXX AZ area.
I talked to my attorney right after this happened and he will be filing a lawsuit against Midland Credit Management this coming week.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I opened a XXXX XXXX credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments.
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment.
I later found out that they transferred to Midland Credit management with a XXXX of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything.
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.
|
| 01/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/18, I was served with a notice to appear for a pretrial conference/mediation with regard to a suit apparently filed against me by XXXX XXXX XXXX for an alleged debt that they purchased from XXXX XXXX. On several occasions, I have requested that XXXX XXXX XXXX cease communication with me, and was therefore more than a little surprised that they proceeded in this manner given their blatant violations of the FDCPA. I had assumed that the matter was now being handled by their legal counsel and I would be able to resolve the matter with counsel. The next day, XX/XX/18, I received yet another call from XXXX XXXX, XXXX, I advised the caller that I wished to receive no more calls, and terminated the call. Within seconds, XXXX XXXX, XXXX called me again, and placed me on hold. I held so that i could notify the caller of the most recent call, I waited on hold for approximately 10-15 minutes, and hung up. Once again, within seconds, XXXX XXXX, XXXX called me again! According to the FDCPA, if I request a debt collector to stop calling, they are required to do so. I have proof of this violation, as well as several other instances of XXXX XXXX 's disregard for the FDCPA. On XX/XX/18, I wrote a letter explaining this to the attorney representing XXXX XXXX, XXXX, and explained that I would be willing to forego the filing of a suit against their company for their numerous FDCPA violations if they would agree to dismiss the suit filed against me, and to delete any collection activity from my credit report. To date, I have not received a response.
|
| 08/30/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX - XXXX store Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2017- MIDLAND FUNDING as they are wrongfully reporting to my credit report. I've sent multiple letter to the credit bureaus to remove. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
|
| 06/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX XXXX. Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted Midland requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX
|
| 08/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
In XX/XX/XXXXI opened an account with XXXX for a credit card with a limit of {$200.00}. After several months I was unable to make the payments, as I was not working. In XX/XX/XXXX I moved from XXXX to XXXX. As of the year XX/XX/XXXXI began receiving calls from a company called XXXX XXXX claiming I now owed over {$2000.00}. on this debt. On XX/XX/XXXX I was summoned to court and was convinced to make a payment arrangement with XXXX XXXX even though I was unaware and or not made aware of that the Statute of Limitations had most likely ran out on this debt. I paid XXXX XXXX from XX/XX/XXXXuntil about XX/XX/XXXX a total of {$450.00} and could no longer make the payments due to being out of work. On XX/XX/XXXX the County Court granted a final judgement to XXXX XXXX. I do not believe I have seen documentation of this judgement until XX/XX/XXXX. My signature is not on this document. On XX/XX/XXXX, I happened to notice money missing from my paycheck. I looked at the Pay Statement to find that {$220.00} had been taken for Garnishment. Apparently, a hearing took place on XX/XX/XXXX, at the County Court without my knowledge, to grant a Writ of Garnishment to Asset Acceptance. I was never notified of this, nor was a given a chance to explain, defend, or oppose this action. Nor was I made aware of that I could file an Exemption for Head of Household, as I provide at least 70 % of the household income for my Spouse and myself. I tried calling several attorneys, but the only suggestion they make is to file bankruptcy, which for me is not an option.
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to Midland Funding on my report as not being mine. XXXX said Midland verified debt was mine. I in turn wrote letter to Midland Funding asking for verification of debt. The bill sent from Midland Funding was for another person with my same name but different middle initial and different address. I responded to Midland and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked Midland for the original credit agreement with signature of person from whom they are trying to collect debt. Midland did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked Midland to verify my SS # nor address that I've had for over 10yrs now. I disputed this same Midland Funding debt with XXXX and the debt was removed from my report. I have not been able to see my report from XXXX as of yet .I request a hard copy of my report from XXXX XX/XX/2020 and never received it. I am current trying to contact XXXX customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX
|
| 06/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There was a credit card open in my name back on XX/XX/XXXX. This was opened fraudulently in my name and identity. and it seemed that whoever opened the credit card was making payments until XX/XX/XXXX. I had reported to the credit card company this was open fraudulently and figured since it was charged off on XX/XX/XXXX this matter was closed. Then I received some calls from some collection companies which seemed to change all the time, but I reported to them all when I got those calls, this was opened fraudulently and was repeatedly ignored and told it was still my problem to pay. Then about a year ago I noticed on my credit report Midland Credit Management that it was for the credit card, I disputed several times on my credit report on this and explained it was a fraud, with each report denied. I recently received papers I was being sued by Midland Credit Management who purchased this debt. on XX/XX/XXXX I went to the court house and filed an answer explaining once again this was a fraud. When I then called them because I needed to send them a copy of my answer and needed the fax number, I spoke with a gentleman and explained everything. He explained that I should go to this website and file a fraud report so that they can get a copy of this report and work on getting this cleared up and hopefully out of my name and off my credit report. So this is why I am sending this now to report this as fraud. I wasn't aware of ever advised by anyone I spoke with until today to report this as fraud and the process and where to go to do this.
|
| 04/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have done a complaint against MCM Midland Credit recently and in XX/XX/XXXX.
I have been a victim of identity theft and have already provided information for police report showing when I first became a victim of identity theft.
I was a child graduating from high school and going off to cells and didn't apply or wasn't acknowledged of this company or any debt in XX/XX/XXXX.
I haven't lived in XXXX, Florida since I graduated from high school in XX/XX/XXXX and went off to college.
I never been to court or had any interactions with XXXX XXXX XXXX and I have once again recieved false and identity theft court documents from MCM and XXXX XXXX Courts Case No. XXXX dated XX/XX/XXXX. I was not living in XXXX during this time frame. I know nothing of this debt and someone has been using my name and information to collect debt.
This is a scam and identity theft. This company has already contributed to defamation of character on my job as of XX/XX/XXXX which led to me losing my job after a similar judgement was sent to my job to collect a false debt from identity theft.
This company is deceitful and manipulative and scam innocent people trying to get money and the XXXX XXXX XXXX house sign off on false judgments and act on identity theft against innocent law abiding people.
I was a child and I had no debt or acknowledgement of this debt or what the debt is even for as I have provided police report showing identity theft.
This MCM and XXXX XXXX XXXX XXXX steadily has been harassing me over a debt that doesn't belong to me.
|
| 02/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
During the middle of XX/XX/XXXX I was served with paperwork from Midland Credit Management under mine and my wifes name for a debt I was never listed on, we never received any notification by mail or phone that the collection agency had purchased the debt, the phone number they had on file has never changed, my wife still has the number they have on file. I called them to find out what was going on and first they said they couldnt discuss it with me and I informed them at the time they listed more on the lawsuit, the option of not dealing with me went out the window. They claimed it wasnt my debt so they couldnt discuss, I told them if its not my debt, why am I named on the suit?
I then asked them when they bought the debt, they said XX/XX/XXXX, I asked what address do you have on file and they verified it was our current address, I then asked why they didnt notify my wife they bought the debt and they said they wasnt required to.
I then asked if you bought the debt in XX/XX/XXXX and have our current address, why did you file in a different county? The first response was it was suppose to be filed in XXXX county. Then changed to we can file in any county in your state I said so you can have us served and if we dont have transportation to make it to that venue then we cant fight it, he said thats not our problem, we just need a judgment.
Now they expect me to sign a form to claim the debt as mine as well, Im not signing any forms.
Seems to be unfair collection tactics, Midland rather get a judgment than deal with a customer.
|
| 11/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the state of California, the statue of limitations to collect on a debt is 4 years. There are 2 accounts from XXXX XXXX that are reporting on my credit report : 1 ) Account # XXXX Date Opened XX/XX/XXXX 2 ) Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX responded XXXX The law limits how long you can be sued on a debt. Because of the age of debt, we will not sue you for it. '' Also, I have disputed these accounts several times asking XXXX XXXX for physical verification. I mailed all letters certified mail with signed returned receipt on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I requested a copy of the contract with my signature that says I agreed to pay them for this debt. I do not have a legal agreement with XXXX XXXX to pay this debt and I asked them several times to remove these accounts from my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay them for this debt, they must REMOVE both accounts from my credit report.
XXXX XXXX has responded by sending me old credit card statements from the original creditor. Statements are not sufficient in verifying debt. The law states you must provide the original contract with my signature. XXXX XXXX has and continues to violate my rights according to the FCRA.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The debt collection agency Midland Funding. Has has a negative collection account on my credit report for a few years that has a negative impact on my credit score and the account has been disputed several times on XXXX, XXXX, XXXX but it came back verified each time and the balance history is completely incorrect so it should have been removed long ago. Ill include the balance history which goes up $ XXXX each month and it increased almost {$400.00} in XXXX.
Below is the name of this collection agency, account number, inaccuracies. Again this was verified by all 3 credit bureaus & Midland Funding several times so it should be automatically removed from my XXXX, XXXX XXXX XXXX XXXX credit reports immediately. Thank you for your help in this matter I hope its now taken care of.
MIDLAND FUNDING Date opened XX/XX/XXXX XXXX $ XXXX stated {$1800.00} on my credit report.
Account numberXXXX Account type XXXX XXXX Date XXXX Status- Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1800.00} Highest balance {$1800.00} Balance History Balance history- inaccurate XX/XX/XXXX, XX/XX/XXXX, XXXX added almost {$400.00} to balance, XX/XX/XXXX, & XX/XX/XXXX All inaccurate dates and information.
XX/XX/XXXX {$1800.00} XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00}
|
| 12/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a response to my previous CFPB complaint regarding the account Midland credit management acct XXXX stating that this debt was purchased from another creditor and that the inaccurate information was not placed on my credit report by them. As you have mentioned in your response the FDCPA governs you collection practices and you have admitted to so many violations. If the original creditor which is XXXX XXXX has charged off the debt that loss was placed on their XXXX return which would make the debt be written off. At the same time a XXXX should have been given to me to file on my tax returns because that charge-off would be considered to be gross or ordinary income according to the IRS. Now you have just admitted that you purchased this charged off debt which is illegal because that would mean though XXXX XXXX wrote it off they were still compensated for the sale of the alleged debt. Now 15 USC 1692f ( 8 ) clearly states that Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Your company has violated this law along with 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. You have violated my privacy rights by admitting you purchased my personal information from another company.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Im requesting that you validate the debt below.
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.
( 2 ). Proof that you have the right to collect this debt in my state.
( 3 ). Proof that your company carries a bond.
( 4 ). Proof of how your company assessed the outstanding debt.
( 5 ). Payment history from the original creditor.
( 6 ). Name and address from the original creditor.
( 7 ). Copy of the original contract bearing my signature.
( 8 ). Chain of title on this debt.
( 9 ). Proof that you can collect this debt from me.
( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor.
( 12 ). How much did you buy the debt for?
( 13 ). When was the last date a payment was made on this debt?
( 14 ). What fees/interest was tacked onto the debt?
( 15 ). How were the fees determined?
While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report.
Thank you for your time and cooperation.
|
| 08/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Midland Credit Management and XXXX XXXX XXXX XXXX DATES OF ATTEMPTS XX/XX/2023 XX/XX/2023 XX/XX/2023 This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named Title and section. I respectfully that your office provides me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove that the Statue of Limitation has not expired on this account ; Show me that you are license to collect in my state ; and provide me with your license numbers and registered agent or agent of service.
If your office are unable to submit the requested information, I request immediate removal from credit report. if your company is able to provide the requested information I require 30 days to investigate this information and during such time all collection activity must cease and desist.
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've contacted the credit bureaus XXXX XXXX XXXX XXXX ) as well as the collection agency ( Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law.
According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years.
Midland Credit Management services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.
Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month Midland Credit Management has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
|
| 03/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm not originally from this country. I've had my identity stolen about 3 times. I pride myself on being a responsible consumer. There are some others that want to take short-cut to get there. I've asked for my account to be validated by Midland Funding LLC for the past 2 years, and all I get are statements with the account number blacked out. They sued me in 2018, and they didn't even have the decency of showing up. The judge told me that they can come back after me again. Surprise they sued me almost a year later. The case is a waste of time, but I don't want a default judgment. I've asked for contracts with my signature, and all I get is signatures. I sued Midland Funding LLC for violating the law. This is a big mistake on their part, in no way do I have an agreement with this company. The funny thing is they sent me someones lawsuit with address, and private information. If this is the best they can do I'm really afraid of how someone can just file a lawsuit against anyone. Especially if the consumer has no clue who you are. Or even if you don't have substantial proof. Whatever you do please fight these clowns. They might use intimidating tactics to try to get you to settle. Like in my case, they call me up to 20-25 times a day. Attempting to kick my door down and gain entry to my home on a w weekend night. Also sending me lewd photos of XXXX woman from the area code ( XXXX ). Even when I have a XXXX area code. How can they seriously get away with this? Midland Funding will do anything to get a {$1.00}. SO PLEASE FIGHT BACK.
|
| 09/06/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
Midland Credit Management has been calling me since last year regarding an account I had with XXXX XXXX XXXX XXXX . I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called Midland and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that Midland is n't even on my report. I then pulled all XXXX credit reports and Midland is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.
|
| 06/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX v. CXXXX XXXX XXXX XXXX v. XXXX, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743
|
| 02/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The original debt was from an old XXXX XXXX Credit Card Account. Midland Credit Management Inc was not the original credit card company nor were they represented as a collections agent for XXXX XXXX, even though they say they are. XXXX XXXX confirmed that Midland Credit management is not the debt collector on this account. Midland Credit purchased this debt from XXXX XXXX and then sued me saying that I owed the money, even though I did not have any credit or an account with them.
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for XXXX XXXX, hey have the right to sue me anyway.
This was on XX/XX/2021.
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed XXXX XXXX. I have legal paperwork from the court that is notarized by the courts, which shows this amount.
Midland Credit Management insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}.
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX Sheriff 's Department to serve me paperwork stating that I need to list all my assets that the Sheriff 's Department would confiscate and surrender to Midland Credit management.
|
| 11/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
First of, my English language is not fluent so a neighbor friend is helping me put into words what I want to say. She also helped me download recently a XXXX XXXX XXXX to monitor my credit because I have been a victim of identity theft before. And found out that there was another fraudulent account open and charges on an account that went into debt collection that I don't even have any knowledge of till 3rd quarter of this year XXXX. Called the debt collector company to inquire and dispute this account and they said the account in question was opened on XX/XX/XXXX with my name and social security but the address was of an old address where I used to live. I am currently living in a new area for about 4 years now since XXXX so that could not have been me opening that account and racking up whatever amounts it was stated it went up to without paying. I only have one credit card that i have opened and is currently still using which is a XXXX XXXX account. I disputed the collection on XXXX and XXXX also and I just got back a response from XXXX that investigated and it was proven to be of fraud and that they are taking steps to remove this credit history collection off my XXXX XXXX XXXX. And Im still waiting on XXXX investigation to conclude. But I have called up the debt collection company ( Midland Credit Management ) and they told me I needed to write to FTC website about this and get an affidavit? which transferred me to this cfpb website and this is where i am at the moment. Thank you for helping me out regarding this matter.
|
| 01/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting.
Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB.
I disputed this debt in XXXX of 2020 with XXXX XXXX XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.
MCM Account numbers : XXXX, XXXX, XXXX
|
| 03/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I have been receiving demands from Midland Credit XXXX for many years. A considerable time ago ( probably at least 10 years ) I told them I had no knowledge of any outstanding debt and told them to send me details of their claim by mail.
I clearly recall telling them that all further communication must be by mail, and that specifically they may NOT attempt to contact me at my work or through my family members.
Several months ago they called my daughter looking for me to discuss " a credit issue ''.
This morning at XXXX XXXX I answered a call that announced itself as being " on a recorded line '' at work where a male employee from XXXX asked to speak to me regarding " a personal matter ''. I did not admit who I was and told the caller I no longer worked there in an attempt to forestall further calls.
Whilst the caller did not disclose the actual purpose of the call, it is obvious from " recorded line '' and " personal matter '' and finally from a XXXX search on the caller ID phone number, XXXX that this is an attempt to collect a debt. My employer has a strict policy about receiving personal calls at work and I have been in trouble about this with them before.
I am reluctant to communicate directly with XXXX as i have read horror stories about them getting people to inadvertently " admit '' liability for non-existant debts. However I am tired of being persecuted in this way and would like to know how to stop the harassment and also how to prevent them selling my contact information on to other abusive debt collectors.
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this account with Midland regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *Midland is stating account type as factoring on XXXX, open on XXXX and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XX/XX/XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX reflects no payment history *Midland reflects on XXXX terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. Midland did not oblige. Midland merely sent a statement that did not reflect any comprehensive accounting.
Midland did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that Midland did not provide any credit card agreements warrant this entry to be removed from my credit reports.
|
| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notice from MIDLAND CREDIT MANAGEMENT. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND CREDIT MANAGEMENT on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested.
again on XXXX XXXX I sent MIDLAND CREDIT MANAGEMENT another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND CREDIT MANAGEMENT. on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for.
Account Name : MIDLAND CRED Account Number : XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
|
| 01/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting.
Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB.
I disputed this debt in XX/XX/2020 with XXXX , XXXX. and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.
MCM Account numbers : XXXX, XXXX, XXXX
|
| 01/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting.
Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB.
I disputed this debt in XX/XX/2020 with XXXX , XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.
MCM Account numbers : XXXX, XXXX, XXXX
|
| 05/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX XXXX : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in XXXX . I made all payments as agreed on the closed XXXX XXXX XXXX which they have agreed to. Then in XXXX XXXX ; I had to have XXXX XXXX XXXX and had complications ; so I was out of work for at least two ( 2 ) months ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at least three times to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me! They are suing me now ; which I do not think is right ; XXXX is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles also. XXXX is who the XXXX XXXX was affiliated with. I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor. Any assistance or counsel you can give in this matter with XXXX will be greatly appreciated!!! XXXX XXXX XXXX XXXX XXXX For XXXX XXXX - Debtor
|
| 05/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.
|
| 02/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I found out that Midland Funding LLC add a collection account in my XXXX credit report. This account does n't appear in the other XXXX Credit The actual amount that appears as a collection is {$8000.00} dollars. In the report appears that the account was open in XX/XX/XXXX and on XX/XX/XXXX for {$5500.00} dollars. It shows " XXXX '' past due, Status : Collection. Also, appears on my credit report : Factoring Company, Original Creditor : XXXX. I called Midland funding and they told me that this account has a judgment against me issued in XX/XX/XXXX. They did n't want to provide me with the original account number or creditor, they told me to go to the court if I need any information. XXXX the person at Midland told me this account was originally delinquent in XX/XX/XXXX and then when I asked her who was the original creditor she said I can not give you any more information because you already have a judgment in this account. I never opened any account with XXXX. If the account was delinquent in XX/XX/XXXX how can i have a judgment against me in XX/XX/XXXX!!! I do n't know what to do. I was never served or had any information about this to dispute it and defend myself. I never got the judgment either. I do n't understand how a judge could judge a debt against me without documents that proved the debt or the identity of the person.
I am complaining about not receiving a notice of right to dispute the false debt and for no receiving information about the account number, amount of the debt, or name of the original creditor.
|
| 10/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Please, I need help with repeated calls and them attempting forced payments from bank account prior to when funds will be available.
Initially spoke with " XXXX XXXX '' not sure of real name. They use spoofing of phone numbers and name even though I am taking their calls.
She was advised of my financial status XXXX XXXX the 4th week of the month ). I did advise I had no money at the time but will ( and did ) send a payment. This was not satisfactory then and even though they acknowledge receipt of TWO ON TIME PAYMENTS, multiple phone calls per day have not stopped.
1. I cant guarantee payment via the bank account used for the initial payment. It was used to keep my commitment of said payment and show commitment to resolving this debt.
2. Second payment was send via money order and received ON TIME by the company per " XXXX '' on XX/XX/28. Advised next payment would be sent to the address by the date provided by them on a payment schedule.
3. As of the writing and filing of this complaint, there are MULTIPLE calls daily regarding payment.
I am constantly threatened with litigation even though I am attempting to satisfy this debt. I do admit losing my temper during the last two phone calls with them. In fairness, I do not expect repeated calls when I have clearly shown an attempt to pay and the THIRD due date is not here yet. Threatening litigation and garnishment of a XXXX check prior to a due date when TWO payments have been RECEIVED and ACKNOWLEDGED by Midland Credit Management XXXX Inc. is beyond excessive.
|
| 03/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
During XXXX XXXX, Midland Funding c/o Encore Capital sued me in court and received a default judgment against me. At the time of suit, I failed to respond as I was going through a tough time in life and felt helpless. Now moving to present time, I recently read that as of XXXX XXXX, Midland 's collection tactics have received extreme scrutiny from the CFPB based on their use of robo affidavits and the failure to appropriately and thoroughly validate alleged debts. It seems as though with the CPFB recent ruling and consent order, my case does meet several criteria indicating that the judgment should be vacated. Back to the past, prior to the issuance of the judgment I did request that Midland validate the debt which failed to do so in full and even made it seem as I was the one that had to provide the documentation. I continue to dispute the balance from Midland for the following reasons, the balance is inaccurate, statements in Midland 's affidavit were auto produced and without merit, and a lack of paper trail concerning ownership of the alleged debt has and continues to not be provided. Additionally, on or around XXXX XXXX, XXXX, I received a letter from Midland Funding 's local representation regarding a notice of settlement for the judgment. Included with the notice was an erroneous statement that stated " This communication is an attempt to a debt collect by a debt collector ''. What does that even mean? To me it just seems further attempts to violate consumer rights and either toe or outright step over FDCPA laws
|
| 08/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
To Whom it May Concern : This is the second time I have had to report Midland Credit Management Inc. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. Midland Credit Management continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from XXXX XXXX. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the XXXX XXXX account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX.
As previously stated I have asked for documentation from Midland Credit for several months, providing details of the XXXX XXXXXXXX account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my XXXX XXXX from XXXX showing I was residing there from XXXX onwards.
Midland 's practices are unethical and I am requesting this matter be addressed.
|
| 09/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The accounting firm of my employer received a Continuing Writ of Garnishment Against Salary or Wages summons from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX FL XXXX, requesting my personal financial information. After researching who XXXX XXXX is, they are an institution that engages in purchasing consumer debts. This company has attempted to harm my credit in the past by placing false statements that I owe them any money. I have requested written and signed documents or any contractual agreement showing any debt to XXXX XXXX and/or XXXX XXXX XXXX - and no response or documents were ever provided with my signature.
XXXX XXXX and/or XXXX XXXX XXXX appeared on my credit report. I had disputed the false representation of charges and it was removed from all three credit bureaus due to no validity of debt owed to XXXX XXXX and/or XXXX XXXX XXXX.
Under further investigation, XXXX XXXX and/or XXXX XXXX XXXX had filed a judgement against me in the county court of XXXX XXXX XXXX in XXXX County, Florida on XX/XX/XXXX for the amount of {$7600.00} without my knowledge.
As of XX/XX/XXXX, XXXX XXXX XXXX contacted a third party accounting firm that represents my employer requesting personal financial information, providing my personal social security number without authorization, in order to garnish my pay, and stating the amount owed is {$8000.00}. I am moving forward stating here that this is considered harassment and abuse, unfair practice, illegal communication, and trying to acquire personal information through a third party.
|
| 05/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a XXXX credit card back in XXXX with balance of {$10000.00}. At that time I was going through financial difficulties loosing my properties, and employment. I was making minimum payments and called XXXX to negotiate to reduce my minimum payments until I could get back on my feet and able to pay more. Instead of that XXXX closed my card and increased my minimum payment and the burden was too great. I stop paying the card. Last payment I made on XX/XX/XXXX, and the credit report says debt " charged off ''. A few months later I got notice from Midland Funding LLC that I owed them about {$12000.00}. According to credit report It was placed for collection on XX/XX/XXXX and was removed in XXXX. I did not received from court or Midland Funding any court proceeding after lawsuit was filed in XXXX. Didn't receive notice of hearing or copy of judgment or any copy of default judgment from court or Midland at all. Also I never received notice of motion to renew judgment or copy of renewed judgment from court or Midland Funding. I live at same address and would not miss any court notice and hearing. I did check credit report every year and it was no public record or any judgment. XX/XX/XXXX I received notice of wage garnishment from XXXX, XXXX for {$22000.00} that took effect on XX/XX/XXXX 25 % of my wages and it is causing great hardship on my family and finances. I believe it is time-barred debt XXXX more than 10 years ) that I was sued for without my knowledge. I received no copies from court or Midland of said judgment.
|
| 12/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
MCM is the company that has been harassing me and my family. They've called my sister on numerous occasions. They've called my mother. I've called them and told them to cease and desist... It appears as if they resubmitted my debt as if it were new this year, and they started contacting me and my family again. I again sent a cease and desist phone call. And now my sister is just received yet another phone call.. has been going on for 3 years at least probably more like five.
Like I said they have just contacted my sister for the fourth time in total. I had been in contact with them previously. I received the letter that they sold my debt.. and then I received another letter shortly thereafter that they've purchased my debt. Or at least as far as I can tell.. credit karma is not very descriptive so I had to suss everything out myself.
Midland credit Management is who I'm referring to.
The photo I provided as a screenshot of my sister 's phone... not really very helpful whatsoever but that's the number they contacted her from.
According to her they asked for me. She asked what it was regarding, they said nothing. She asked if it was medical. They said they couldn't say and then she asked if it was financial and they alluded to her that It might be and " it is in my best interest to speak to them '' they insisted that they speak to me.. and literally asked my sister to find me and give me the phone to speak to them while she was at work.
We no longer even live in the same house. We only share our last name.
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent.
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.
Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
|
| 01/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
When I was a XXXX XXXX year old, I opened a XXXX XXXX XXXX credit card mid to late 2015 ( oldest recovered statement XX/XX/15 ) : my first ever credit card and I failed like most young adults. I initially made reasonable charges and paid my debt on time, working at XXXX as an Associate Stylist. But after taking on more liabilities than I could handle, I leaned on my credit card irresponsibly. Sadly I ended up losing my job, my debt compounded interest & fees and I was stuck owing {$2900.00}. Honestly, this amount of debt overwhelmed me, I wasn't able to pay my debt with {$0.00} income, and I didn't know what to do. So out of pure adolescent ignorance, I became paralyzed with fear and I let it sit ; as my debt was then overtaken by Midland Funding. One day their representation pulled up in a SUV in front of my house and served me a subpoena to appear in court. If their intention was to frighten me, it worked! So I showed up to court as asked, we discussed and afterwards I waited to hear back. Soon after, I moved to a new place of residence and lost track of the status of the case. I don't remember receiving further updates. Overall, I wasn't equipped to deal with this circumstance properly and I ended up in deep trouble. However, I do understand that I am still held accountable for my negligence. So CFPB, I appreciate the opportunity to reconcile my professional relationship with Midland Funding and XXXX because I will prove trust worthy with lenders by borrowing responsibly and paying back promptly moving forward.
|
| 05/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
On X/X/ 2017 I want to continue to move forward with clearing up my debt. Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that My then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while. After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this First before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report. I am sending a letter to Midland requesting validation and of options, by XXXX 2017. I feel bullied, Pressured and optionless. The verbally abusive representative name is XXXX XXXX , so he says and the lady who transferred me to him name is XXXX .
|
| 11/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
I filed an identity theft affidavit quite some time ago regarding XXXX XXXX credit card appearing on my credit report I submitted the documentation over to XXXX XXXXXXXX. The information was removed from my credit report now here as of late Midland credit is now trying to collect on this debt that was identified as identity theft. My identity has been on high alert since 2012 when a Florida inmate got a hold of my entire child support case profile which contained my Social Security card, my birth certificate, date of birth place of employment, along with my childrens information and their dads Midland responded stating that they provided proof regarding the debt. However, the only thing that was provided was a bill that shows charges and no payments ever being made on the bill. They requested a police report. I filed numerous police reports prior to this situation and was advised that I did not have to continue following police report as there is an alert on my credit profile. Needless to say, my credit information was also compromise by the credit bureaus, and their multiple data breaches the information will be enclose in this documentation. It was mentioned in my previous complaint that the dates did not online. However, if the identity theft report or affidavit was read correctly, it ask when I noticed the fraud on my account, not the date that the card was issued or applied for. I do not use credit cards this is the ONLY derogatory mark on my credit report, which has made my report score go down drastically.
|
| 05/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a garnishment summons for a credit card debt to the tune of $ XXXX. I had no knowledge of this card issued by XXXX XXXX and being collected by Midland Funding. I never applied for this card. The card was issued in my name to an old address. I was given the information by the collector to to sign into the website to view the statements. There were 2 charges made on the card. One was about {$24.00} in fuel, and the other was about {$4.00} at a XXXX XXXX grocery store. I looked up this XXXX XXXX, and I have never been to that store. In fact, I have never been to ANY XXXX XXXX store. The fuel was purchased at a gas station that I do not frequent. The total amount charged to this card was less than {$35.00}. There were never any payments made, and the account was closed after 6 months, according to the statement documents I saw online. Now, they are attempting to collect more than {$900.00} from me for something I did not do. I NEVER OPENED THIS ACCOUNT. SOMEONE did, but it was NOT me. The collector would not listen to me. He just kept attempting to get me to pay the amount. THIS IS NOT MY DEBT. I will go to court in XXXX to speak with the judge on this garnishment case because I had no knowledge of this account being opened. I want this off of my credit report. I want this to stop. Just because it was issued in my name, doesn't mean I applied for the card. They refuse to acknowledge the truth that someone OTHER THAN ME opened this account. I currently have a card with XXXX XXXX, which is in good standing.
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against Midland Funding LLC located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Midland Funding LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A debt validation was sent to MIDLAND FUNDING as it reads on my credit report on XXXX, requesting documents to validate the debt in question in the amount of XXXX within a reasonable amount of time of 14 days. MIDLAND FUNDING LLC responses a month later with a document with two different names on it, MIDLAND CREDIT MANAGEMENT ( ALL CAPITAL LETTERS XXXX FOR THE HEADER, AND MIDLAND FUNDING LLC on the back of the document stating that there investigation on this matter could take up to 90 days. After this a complaint was filed with the CFPB showing that there document that was sent to me stated on the back that the account was charged off XXXX from the original alleged creditor XXXX XXXX XXXX XXXX XXXX, which was paid off from the very first day that my wet ink signature was given to them, without full disclosure provided to me on the real terms of the loan. so anything after this could not constitute a contract between me and MIDLAND FUNDING LLC. Recently MIDLAND FUNDING LLC responded to CFPB on XXXX stating that they were working on the dispute. In the meantime this debt has been removed from all three credit bureaus, and i have not received any CREDIT REPORTING REMOVAL documentation from them. It should not take 30, 60, 90, or 120 days to either send the proper documentation to validate the debt, or send the proper documentation to discharge this debt. you already have all documentation that is needed from certified mail and the previous dispute that is still open, so nothing will be uploaded in this complaint/.
|
| 04/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received your letter regarding my request. I then repsponded with a follow-up letter regarding the matter. I've now decided to file a complaint with CFPB and the FTC. As what was provided to me does not meet the standard as pursuant to the FCRA requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification I requestedfor VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. None of the information provided me met the legal standard.
I have attached the documents sent to me by Midland Credit Management they do not meet the legal requirement of the FCRA
|
| 05/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management.
Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account.
I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference.
Complaint ID : XXXX
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
Midland Credit Management , Inc has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) My failure to dispute the validity of this alleged debt shall not be construed as my admission of liability!
15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
These abusive and deceptive actions have caused a denial of credit and Midland Credit Management , Inc is liable to me for actual damages sustained due to violations committed under the FDCPA. I have proof that Midland Credit Management , Inc has a history of committing identity theft against consumers by furnishing inaccurate items on consumer reports without conducting a reasonable investigation beforehand. See attached consumer complaints pulled from the XXXX XXXX XXXX.
|
| 04/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.
|
| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2020 at XXXX XXXX I sent written communication to Midland Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Midland Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them to substantiate the information theyre reporting pursuant to the FCRA/FACTA, thereby causing Midland Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Midland Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. XXXX XXXX XXXX provided none of the above. Midland Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Midland Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a collection ( original creditor was XXXX XXXX XXXX ), and it was sold to XXXX XXXX in the amount of {$350.00}. XXXX XXXX hired a law firm to collect the debt in the amount of {$350.00} ( XXXX XXXX XXXX XXXX XXXX, XXXX ) in XXXX, MA. On XX/XX/XXXX, I contacted XXXX, XXXX XXXX XXXX and Paid the {$350.00} and they sent me a letter showing that my obligation was satisfied in full. They told me to contact XXXX XXXX in two weeks which would be the amount of time for my check to clear and for them to receive the release. Before calling Midland I signed onto my account to see if the payment had been received and it was ( they showed the {$350.00} broken down into three $ amounts ), only now they showed a new balance of {$190.00}. I called and was told that this would be adjusted and it could take up to 30 days.
Today, I received notice from XXXX that there was a collection change on my credit report and it shows that my total collections was decreased from {$350.00} to {$190.00}.
The total was always {$350.00}, I never received anything advising me it was more than that. I have no idea what the additional {$190.00} is for. I would like this changed to paid in full and it's my understanding that they would remove the collection from all three credit reporting agencies.
Account information Original Creditor XXXX XXXX XXXX, XXXX.
Merchant or Service provider - Original Account Number XXXX Your Account Manager - PAYMENT SUMMARY2 DATE PAYMENT XX/XX/XXXX {$260.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$85.00}
|
| 12/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CFPB + Midland Credit Management To whom it may concern, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit saying I owe a debt of {$10000.00} that I do not recognize.
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account.
You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website - so we have documented proof.
I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies.
Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
|
| 01/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of MRC Receivables Corp regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX XXXX. The address on the so-called form was not where I shared a residence with my ex-wife.
Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them.
On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : MRC Receivables Corp and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.
|
| 05/08/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
Midland Funding LLC is in direct willful violation of FCRA 623 ( a ) ( 1 ) ( B ) for reporting inaccurate information after notice, and FCRA 623 ( a ) ( 2 ) ( B ) for failing to provide corrections to the consumer reporting agencies. I filed a direct dispute with their Chief Compliance Officer under FCRA 623 ( a ) ( 8 ) ( D ) on XXXX XXXX, 2015 through XXXX I selected the option the dispute the debt, listed all of the identifying information required, and explained that the debt had been settled several months ago ( XXXX XXXX, 2015 ) but that they were incorrectly reporting that the account is still open with a balance. After not receiving an email response in a week, I mailed ( on XXXX XXXX, 2015 ) a physical copy of the direct dispute to the address on my credit reports. Again, including all of the required identifying information, identifying the specific information that is being disputed, the basis for dispute, and enclosed supporting documentation ( release of judgment lien, and settlement letter from Midland 's attorney ). It has been 30 days from my XXXX dispute via their website, and as of today XXXX XXXX, 2015, Midland has not corrected the information in my credit report. This is not " timely '' and Midland has reported the same negative information again since my dispute. I find it absolutely unacceptable that this unethical company knowingly and, I believe, purposely, reports incorrect negative information to credit reporting agencies to damage consumers ' reputation and financial opportunities.
|
| 08/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I defaulted on a credit card with XXXX XXXX XXXX and it was sent to collections. Midland Funding picked up the account and it was sent to XXXX XXXX XXXX XXXX XXXX ( which is now XXXX ). I received a letter in the mail that they were filing suit. When I called they offered me a settlement option for the debt, which I did not take at the time. Then they told me they would postpone the suit if I set up a payment plan, which I agreed to do. On my second to last payment ( XXXX/XXXX/2016 ), I was given a settlement option which I took. At no point throughout the entire process was I informed what the impact a settlement would have on my credit rating and that it would be seen in an even more negative light. Upon learning this, I contacted MCM ( Midland Funding ) ( XXXX/XXXX/2016 ) to rectify this, but they informed me that I would have to speak to XXXX XXXX. When I spoke with XXXX XXXX on XXXX/XXXX/2016, they informed me that they would not be able to take payment as the account was closed. They also informed me that the remaining balance was only court costs and not the actual debt that was owed the original creditor. I then contacted MCM on XXXX/XXXX/2016 to seek resolution, i.e. pay the remaining balance, which they stated they would not be able to take as the account had a {$0.00} balance. I then asked them to correct what was going to be reported to the credit bureaus which they said they would not do. They told me the report would say " paid in full with a memo saying paid for less than the full balance ''.
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ...
Presently unauthorized companies looking into my credit.
Hard Inquiry : XXXX XXXX said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX 4.XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
|
| 02/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been receiving intimidating collection notices after I filed a cease and desist letter by certified mail. In where they threaten to reopen some old resolved debts as a negative mark on all XXXX credit bureaus. These were old debts that I settled with the original companies as product of identity theft many years ago. these debts are old so they know they because of the age of the debt can not hold legal action against me, so instead I receive these letters and harrasing calls. After I submitted a cease and desist letter they have responded threatening to reopen on my credit report as unpaid and undisputed when it was settled long ago. Actually I received XXXX additional letters after cease amd desist letter as to some unknown debts that are also noted as old debts which are not mine. Here is a copy of the cease and desist letter that was mailed as certified mail and a response sheet was sent back.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX.
XXXX XXXX, XXXX XXXX Midland Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Re : XXXX Dear Debt Collector : I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. This account is closed and settled. It was You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the XXXX Attorney General 's office. Civil and criminal claims will be pursued.
Sincerely, XXXX XXXX XXXX.
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I moved from Virginia to Illinois in XXXX after getting married.
I did not know I was served to appear in court in Virginia till I returned to Virginia in XXXX and requested that XXXX verify my debt. This is when I saw that there was actually a hearing XX/XX/XXXX. Upon more research, I was served at XXXX, VA where I had not resided at for years. The last residence I had in Virginia was in XXXX XXXX. My addresses are all listed on my credit report so this was not hidden information. This debt was not even obtained in Virginia but in Illinois. They sent me the last XXXX XXXX XXXX XXXX had and that my most current address at the time of XXXX XXXX Illinois. The letter sent to me in the debt verification is dated XX/XX/XXXX and also dated to the XXXX XXXX address. So, XXXX knew I was not residing in Virginia, let alone at that address in XXXX. I'd always done a change of address with the post office so if anything, they had me served at the XXXX XXXX address, it would've been forwarded to the most current address.
Because I did not show up ( because I was intentionally served at the wrong address ), they won their judgment and for years they have been adding interest and fees to the balance.
This year they attempted a garnishment and had a lien on my bank account. I was able to get that dropped due to receiving child support and this caused and IMMENSE amount of stress as I was unable to pay bills and had to borrow money. Also, the bank in which they put a lien on, charged me XXXX that they will not return.
|
| 05/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
On XX/XX/2013 Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX , XXXX ) .They misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address was ( XXXX, XXXX ).
Midland Funding LLC as Assignee of XXXX XXXX XXXX ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the XXXX XXXX collection is a 20 year old collection account ) .The mere fact that the debt with XXXX XXXX XXXX ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception and by fraudulent means. All monies Midland Funding is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places Midland Funding and XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act.
|
| 09/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Funding, LLC is garnishing my wages for a debt that was closed out for fraud. They didn't even buy the debt so that means that they obtained the information illegally. The original creditor confirmed that the debt was never sold to them. They are suing me in court and now they are playing two courts against the other to string this situation along. They have made unauthorized withdrawals from my bank account and I never even gave them my bank account information. They have hired people to steal information from the dark web to hold irrelevant matters against me. They lied to the judge claiming that they incurred fees from dealing with my employer for garnishing my wages so they could get awarded more money. They falsified evidence and presented it to judge so they can get a default judgment. They even forged my signature on some agreement that I've never even seen before and they stole my identity to create other fraudulent accounts.
They sent a judgment for rule that was NOT signed by a judge to my employer and when my employer told them that they couldn't add on the garnishment without the signature, XXXX XXXX threatened to sue my employer if they didn't put the garnishment on. They don't even serve you court documents and they talk the sheriff into falsifying information on the return. They also made racist remarks toward me.
Complaining to their staff members doesn't work. They just ignore all issues and they never return phone calls or letters. I am pressing charges against these people.
|
| 03/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Hello, I have been repeatedly contacted by Midland Credit Management several dozen times since XXXX. Midland is attempting to collect a debt for one " XXXX XXXX ''. I do not now, nor have I ever, known or had dealings with this individual in any capacity. I have owned my current cell phone number for over a decade. I have provided Midland with basic identifying information including my name and address and instructed them to disassociate me from XXXX XXXX, and remove my cell phone number and any other contact information from their system, and to STOP calling me. I also mailed a letter on XX/XX/XXXX instructing them to cease calling me. I have further plans to call back today and request to speak to a supervisor again, and also to mail yet another letter ( certified mail this time to I have evidence it was received ).
Below are the dates of the most recent nine phones calls from Midland. Each time I pick up I calmly explain to the individual on the line that I do not know Ms. XXXX, have no dealings with her, and that the number they are calling is in no way affiliated with her. Each time they have promised to remove my number from their records, but within a month 's time I will receive another barrage of calls.
DATE TIME NUMBER XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX
|
| 05/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a letter from midland credit management threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
|
| 06/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX Violated The Fair Department Collection Practices Act and the Fair Credit Reporting Act.
Midland furnished deceptive billing statements and is using the statements to justify and to collect more than I owe.
XXXX XXXX / XXXX original owners of the application credit card contract received seven additional payments of {$150.00} after the account was charged off on XX/XX/XXXX. XXXX XXXX XXXX was aware of the situation and deleted all trace and information from my credit reports.
Charge of Date : XX/XX/XXXX.
1. XX/XX/XXXX, {$15000.00} 2. XX/XX/XXXX. {$150.00} 3. XX/XX/XXXX. {$150.00} 4. XX/XX/XXXX. {$150.00} 5. XX/XX/XXXX. {$150.00} 6 XX/XX/XXXX. {$150.00} 7 XX/XX/XXXX. {$150.00} Second, violation of the FCRA by Midland in not notifying to the credit reporting agencies that my account is under settlement agreement and that account is under dispute. In addition, inaccurate information has not been corrected from my credit report within the 30 days of my dispute.
Third violation by XXXX XXXX XXXX was objecting to the court and myself upon request of the original application contract is a violation of the law and my rights.
Final violation by XXXX XXXX XXXX. " Under the FDCPA, a collector is required, within five days of the first contact is required sending, in writting, a notice of my right to dispute the debt. Failure to do is a violation of the FDCPA. '' For XXXX XXXX XXXX the first contacted was the filing a of lawsuit and thereafter I was sent a letter of my right to dispute.
|
| 10/07/2016 |
Yes |
|
|
|
Web |
Older American |
|
In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments.
I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX.
I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have disputed this account on several different occasions in XX/XX/2021 and XX/XX/2021 with Midland Funding LLC. They did not contact me before placing the account on my credit report. They failed to respond to my dispute, and after carefully examining collection practices in the State of Texas, I found Midland Funding LLC does not have a bond or license to engage in debt collections in my state ( Texas ).
After sending a certified letter with receipt return, Midland did not respond to the dispute. The letter contained the dispute and included a screenshot of them not being authorized to be a third party collector in Texas.
I also, sent the exact same letter to each credit reporting agency XXXX XXXX, XXXX, and XXXX XXXX requesting them to delete the account with attached screenshot from the Secretary of State in Texas. Both XXXX and XXXX failed to respond. XXXX responded saying they received verification from Midland Funding that this account is correct. That was not my dispute. I requested to have the account deleted as Midland Funding LLC is in violation of Texas debt collection statutes. I'm wondering how is it that Midland can provide verification to the credit reporting agencies and willfully ignore my request to delete the account.
I have given them several chances to correct their error and they have neglected to do so. Both Midland Funding LLC and the credit reporting agencies continue to violate my consumer rights, so I'm filling a complaint in an effort to get my request resolved.
|
| 10/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
It started in the months of XXXX, XXXX, XXXX, XXXX and i had experienced a day that had my worse nightmare on XX/XX/2020, MIDLAND CREDIT MANAGEMENT INC Amount indicated owed : {$2200.00} This company knocks my apartment before XXXX and late in the evening past XXXX.
This company also went to my leasing office asking information about my whereabouts and asking the leasing office if they can open my apartment for them. They also requested my leasing to call me ( in their presence ) to reach out to me while they are in front of the employees in my leasing office.
This company also screams my First Name and Last Name on my doorsteps on Saturdays and Sundays knocking our doors loudly. Completely scary mafia like they will kill you! This company also sends collectors and asking our neighbors on my
whereabouts. This company continues to harass me at my residence. Our neighbors are also disturbed with them knocking my doors ( including my neighbors ), while " screaming calling out my first name and last name '' to open the doors for them.
They leave messages in my doorsteps indicating telephone number to call them back and when you speak with someone, that person from their side ( collector ) will say they can send someone to arrest me, send a police if a debt owed is not settled.
Extremely scary company with their non-ethical practice. I do not owe anything nor made a contract agreement with this company.
This company also reported derogatory information to my credit file with the three credit bureaus.
|
| 03/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft yet your company MIDLAND FUNDING has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account MIDLAND FUNDING collections in the amount of {$830.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/19. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. OnCe again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a COLLECTION FOR A CREDIT CARD and I have not ever given your company or any other company authorization to OPEN ANY CREDIT IN MY NAME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
|
| 03/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft yet your company MIDLAND FUNDING has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account MIDLAND FUNDING collections in the amount of {$830.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/19. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. OnCe again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a COLLECTION FOR A CREDIT CARD and I have not ever given your company or any other company authorization to OPEN ANY CREDIT IN MY NAME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
|
| 02/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item. During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts.
For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week.
I asked for this information, which is my right, yet they have failed to provide me with any of the items.
1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe.
2. What the money is owed for.
3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt.
4. Payment history from the original creditor.
5. Proof that they carry a bond.
6. Proof that they are licensed to collect in my state of residence ( California ).
7. Proof of license numbers and Registered Agent or Agent of Service.
To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts.
Thank you.
|
| 01/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About a week before XX/XX/XXXX XXXX XXXX XXXX called my phone number asking for a XXXX XXXX concerning a debt who I have never known or heard of. On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX about a debt in the amount of XXXX from a XXXX XXXX source. XXXX XXXX attempted to collect on this account and I believed the account was mine and paid a payment of XXXX and promptly set up a payment plan to settle the debt. There were also an additional 4 accounts under my social security number, date of birth, and last name that they wanted to collect on until I said no that was not me and was told that was a mistake not to worry. On XX/XX/XXXX I logged onto XXXX XXXX XXXX website portal to view my account after logging in with my social security number, date of birth, and last name, a total of 5 accounts all of which were under the name XXXX XXXX including the account XXXX XXXX XXXX had collected on said belonged to me that I had paid an initial payment of XXXX and set up a payment plan. I immediately cancelled any further payments for the account as I believe the account and accounts are not my debt to be collected from on behalf of XXXX XXXX XXXX XXXX No where, after logging in under my social security, date of birth, and last name was my name attached to any of the accounts but instead a XXXX XXXX XXXX I am under the belief none of these accounts that XXXX XXXX XXXX is collecting belong to me but another person. I signed no contract with XXXX XXXX XXXX and am under no obligation.
|
| 12/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CFPB + Midland Credit Management, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit Management saying I owe a debt of {$2200.00} that I do not recognize.
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account.
You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof.
I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies.
Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
|
| 06/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
I have been to court and was making payments as agreed as per court order. However, the debt collection agency ( XXXX XXXX XXXX ) refuses to send me monthly statements showing payments and balance on the account. I have reached out to them on several occasions with no success in resolving this issue. I stopped making payments due to there is no way on knowing when the debt will be paid with no statements. The debt collector is unreasonable and will not come to a reasonable solution in this case. Midland has taken money out of my account which are the funds from my monthly social security check. I received a letter about going to court to garnish my wages after the funds had already been taken from account with my social security. The balance continues to rise due to adding on late and attorney fees and court cost. I did not receive any notification about a court date regarding garnishing my wages. I have bank statements showing the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit card. I used the card to see if it was legitimate but later called to closed the account. Please help with this in any way you can I am an elderly woman that can not afford anyone taking funds from social security benefits. I am the head of my household and spend a lot on medicine and doctor visits from my illness of being a XXXX.
|
| 04/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a certified court letter at my mom 's house informing me of court to get my check garnished..I called the lawyer group and she told me this was for a card or some kind of credit that I was sued for XX/XX/XXXX and had a judgement against me..I asked if that was legal per statue of limitations she said yes it was from XXXX and they had till XXXX to pursue me..Had they sent me a validation letter even to my mom house same way they sent court papers they would have found out I was a victim of identity fraud..I had the FBI show up at my house for checks and all kind of stuff I went to court and everything was dismissed ..I have no idea about what they are talking about and why or how I was sued and had a judgement and knew nothing of that either until I'm being sued and their wanting to garnish my checks..until literally the FBI showed up at my door ... it was cases everywhere ..checks, cards, they actually came to inform me because on camera the ladies didn't look like my driver 's license..they arrested I know from them one lady I didn't know either when they showed them to me ..The agent took care of everything except one store in a city I had never been in had a warrant out for me..the man went to court with me and everything..pull up the court papers where everything said is typed up..only then did they dismiss it..what ever this is they said it went to write off ... they should of found me and probably had it taken care of by insurance..instead of taken 20 years to bring some bs to me
|
| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
my original debt to XXXX XXXX, {$650.00} ( principal was 287.20 and finance charges were 371.18 ) was charged off on XX/XX/2019 after my brother suddenly and tragically died and i was required to pay for his funeral/memorial services. midland credit management purchased this debt for under 40 dollars ( account number XXXX ). due to these extenuating circumstances, i worked with other credit agencies to negotiate other debts. XXXX XXXX and XXXX XXXX negotiated fair payments which i settled immediately ( 50 % of debt ). i called midland credit agency and requested proof of original debt. they told me they didnt have that information and refused to send it. i was transferred to a call center in XXXX and then back to a call center in Virginia. I spoke with XXXX, who said that MCM did not have proof of original debt and I would have to look at my original bills. i offered MCM a lump sum payment of XXXX dollars. they refused to accept this even though they would have made a substantial profit since they purchased my original debt for pennies on the dollar. they are greedy and should be investigated by federal legislation. i am prepared to pay XXXX immediately if they agree. I have lost substantial income due to testing XXXXXXXX and developing severe symptoms from XXXX XXXX for over two months. Since MCM purchased my original debt for under 40 dollars, i believe a good faith effort to negotiate a payment of XXXX dollars is reasonable and they will still make a profit. anything else is price gouging.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed the following letter to Midland Funding and have not yet received a response. Please see correspondance below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit Management, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received contains a series of items that should not be on my profile. The account in question are listed below. Please send me a copy of the signed contract I have with you to do business. Please send me complete documents that you used to calculate any and all amounts you say that I owe you.
If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my credit worthiness.
Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
MIDLAND CREDIT MANAGEMENT OPENED XXXX {$1000.00} XXXX XXXX XXXX Thank you for your cooperation in and prompt response in resolving this matter.
XXXX XXXX
|
| 02/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The original debt was from an old Capital One Credit Card Account. XXXX XXXX XXXX XXXX was not the original credit card company nor were they represented as a collections agent for Capital One, even though they say they are. Capital One confirmed that XXXX XXXX management is not the debt collector on this account. XXXX XXXX purchased this debt from Capital one and then sued me saying that I owed the money, even though I did not have any credit or an account with them.
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for Capital One, hey have the right to sue me anyway.
This was on XX/XX/2021.
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed Capital One. I have legal paperwork from the court that is notarized by the courts, which shows this amount.
XXXX XXXX XXXX insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}.
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX XXXX XXXX Department to serve me paperwork stating that I need to list all my assets that the XXXX XXXX Department would confiscate and surrender to XXXX XXXX XXXX.
|
| 12/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT I reject your offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT ACCT # XXXX to be in possession of my Nonpublic Person Information. I never gave any permission to MIDLAND CREDIT MANAGEMENT use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a email STATING that XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO XXXX XXXX, AND NOW MIDLAND CREDIT MANAGEMENT HAS IT ''. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT AND THE XXXX XXXX XXXX WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.
|
| 02/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called the company ( Midland Funding LLC ) on XX/XX/XXXX, I was told I had a cease and desist on file but never sent one in. Once I updated the information on the website to remove the XXXX XXXX XXXX, I tried to talk to someone in reference to a settlement on the account. I was transferred from rep to rep and no one could or would assist me. I was than told that there was a judgment placed on XX/XX/XXXX on this and they could not give me a balance owed at this time and I would need to call back on XX/XX/XXXX. I called back and on the XXXX and I still could not get a balance owed on the account. I called back a few hours later and was placed on hold for over 10 minutes. I called back again and asked to speak to a supervisor. XXXX ID 'd herself as one and stated the balance could not be given. I than asked if I could get proof of the judgment. She placed me on hold and a few minutes later a XXXX came to the phone and I asked him for the proof of judgement. He advised that he would see if they could get it but he now had a balance. He stated that it took some time to get it because of the judgment and they had to make sure all fees and or interest was included. I asked if there was a judgment on the account than why was it not with the legal department? I than asked for a supervisor so I may settle this account, he offered account rep. I advised that I was at work and asked if someone could give me a call back and he stated no. I advised him that I will be filing a complaint against the company.
|
| 07/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company MIDLAND CREDIT MANAGEMENT , INC is trying to collect {$810.00} from me for an account they claim I owe. I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Credit Management has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
2 weeks ago I received a letter from a debt collector company, called " ASSET ACCEPTANCE , LLC '' The letter indicated that, I have a debt collection from XXXX bank for amount of XXXX dollars. I never had a chase bank credite card in my life, I always applied but have never got approved. That was so scatchy so I called the company and told my situation. They told me the account was opened XX/XX/XXXX and the person whoever opened the account had my SSN, they stop paying the payments in XX/XX/XXXX then in XX/XX/XXXX judgement was applied to the account. The person who ever was using the credit card started to make payments on that judgement but in XXXX payments were stopped. There were no payments after XXXX until the ASSET ACCEPTANCE , LLC found me 2 weeks ago. Now they want me to pay the balance of XXXX dollars.
Even though I was in the United States between XXXX to XXXX, I did not own any credit card from XXXX Bank ever. I left the country XX/XX/XXXX and never returned till XXXX XXXX. I wasn't even in United States when the judgement applied to this chase account or when the payments were made til XXXX.
After talk to the person in charge of my collection she told me to get a police report and fraud affidavit and she told me to use this web site to get the affidavit.
I do not know who opened the account or made payment till XXXX but it was not me. As I mentioned I applied for XXXX XXXX XXXX XXXX many times and never get approved and s I stopped applying. This is not my account or debt.
|
| 11/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have submitted several disputes to all 3 major credit reporting bureaus ( XXXX ) in regards to this MIDLAND CREDIT collection account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the XXXX bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
|
| 11/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been getting calls from Midland Credit Management for over a year, about the time I have had this number. They ask for a XXXX, who I have stated hundreds of times by now, that I am not. They have said, would put me on a no contact list, which is an obvious lie. They have called me twice today alone. I got tired and called back today, it took me a total of 5 phone calls, with numerous call time totals ; I had to ask to speak to a Manager. To whom I complained about his agents handle on the call, and the fact that theyve been calling me for over a year and have said I 'm not getting called again. I will be more than happy to ask for my phone records from the company that gives me service, if you need proof. But I ca n't deal with this harassment to debt that is n't even mine. I went as far as checking my credit just to double check I do n't owe them anything, and I told them about credit check ( on their recorded line! ) They continue to ignore me, I understand that XXXX is a female and so am I. But my name is XXXX XXXX!!! I 'm tired of this, and they do n't have the right to continue to do this to me!!! I am actually working on fixing my credit, and seriously this is putting a dent in my own progress. Wasting my time, patience, and not making me have belief that other creditors are even willing to help, let alone be nice and cordial on the phone. The sad part is I have been a collector, and would never treat anyone that calls me this way ; hence why I was top collector for my campaign.
|
| 08/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX SHAME on you : CFPB for not protecting my rights as a citizen within the State of Texas.
I last contacted CFPB on XXXX regarding my claim, against these fools that keep sending me Harrassment, malicious Letters and Lawsuit, attempts.
CFPA~ you failed to protect me from this malicious Company that is trying to collect a debt that is well over 10 years old ; You ( CFPA ) contacted MIDLAND CREDIT MANAGEMENT , LLC Complany, and you proceeded to just close my complaint, when I last filed my last complaint report with you ( CFPA ) back in XXXX, and you proceeded to just ignore my complaint case in XXXX.
Here I am on XXXX XXXX reporting this metastizing company ( ( MIDLAND CREDIT MANAGEMENT LLC ) that will not leave me alone, on a debt they purchased back in XXXX, with XXXX XXXX XXXX, the debt is approximately over 10 years ago ; XXXX, please do something for an elderly XXXX yr old woman, that should not be going through this type of harrasment from ( MIDLAND CREDIT MANAGEMENT LLC ) if you would have taken care of this problem back in XXXX, on my last complaint to CFPA, I would not have to be re-submitting another complaint with CFPA.
Company : MIDLAND CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX According to the Statue of Limitations in Texas, no debt can be attempted to be collected after 4 years. Also Regulation F came into effect in XX/XX/XXXX.
This debt is well over 9 years old, and all three credit bureaus XXXX XXXX XXXX have no history of this debt!
|
| 02/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated!
Item Number Company Name Account Number Comments 1. Midland Credit Management MCM Account # XXXX, Original Account Number : XXXX 2. XXXX XXXX XXXX, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.
|
| 03/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On or around XX/XX/XXXX I received a XXXX envelope delivered to my home, enclosed was a debt collection letter from Midland Credit Management for 2 separate accounts. I had no idea these debts even existed, so I sent them a debt validation letter. The debt validation letter was sent back to Midland Credit Management by XXXX XXXX, Tracking number XXXX XXXX XXXX on XX/XX/XXXX. This was well within the 30 days of being initially notified about the debt.
Midland Credit Management NEVER responded to my debt validation letter as required by Fair Debt Collections Act, yet they have continued to negatively report to all 3 credit bureaus against the law.
I called them multiple times and was told no one could discuss the debt with me because I was represented by an attorney? I sent the dispute letter by myself, I was NOT represented by legal counsel. I called a dozen times over the course of XXXX months.
I received another letter in XXXX from Midland Credit Management and again responded within the allowed 30 days with another debt validation letter that went unanswered by Midland Credit Management. This letter also sent via XXXX XXXX XXXX # XXXX XXXX XXXX.
Both letter sent to the address listed on their paperwork and signed for by an employee of Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI To date, XX/XX/XXXX Midland Credit Management continues to illegally assault my credit reports over unvalidated debts they claim I owe, yet have provided me with no proof of such debt.
|
| 11/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am contacting you in dispute of the below creditor, Debt Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : Midland Credit Management XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information.
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons.
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA.
XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}.
On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted.
Attached are several labeled documents to support my claims.
Thank you in advance for your assistance in this matter.
Respectfully, XXXX XXXX XXXX
|
| 07/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
midland funding is trying to garnish payments from my checking account without ever notifing me, emailing me, sending me mail, phone calls nothing. I have not heard from them in 10 years since they took me to court. The very old debt is with XXXX XXXX an east coast clothing compant that was one of those mail order credit companies. never had a credit card with them. The XXXX XXXX XXXX account was open in XXXX and its XXXX. They have been harrassing me for a few hundred dollars from when I was a kid ( young twenties ) They have accumliated the amount to {$2100.00} with all there fees court cases lawyers and were taling for a few hundred. This debt is almost 20 years old. So last week my bank sent me mail that they tried to garnish my account and it was the first time i even heard of midland company and there lawyers. I called them and they said there going to go after me until XXXX and that I ower over XXXX and if I dont pay all of asap there going after my account account again.. They were so rude and demeaning to me and wouldnt even try to work somthing out with me. There has to be some kind of law about that attacking me out of nowhere not even knowing who they were and never reciving one phone call or piece of mail. I had to hear through my bank.. I feel like this couple of hundred that I owed to this mail order company is way too old and not even the correct amount there trying to sue me for.. what can I do?
and they also have my husbands name who i wasnt even married to at the time.
|
| 12/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
a ) I received a debt collection letter dated XXXX by mail on XXXX with a deadline of XXXX to respond or dispute. A sick XXXX joke.
b ) The amount is for {$3200.00}.
c ) I do not owe the funds since the debt has never been validated per many requests thereof.
d ) Statute of limitations exceeds 6 years for FL or GA states I have resided in.
e ) Creditor may no longer be in business.
f ) XXXX XXXX XXXX XXXX a subsidiary of Encore Capital Group, Inc send me the debt collection letter. Their fax number of XXXX is not in service. I found an alternative fax of XXXX via internet search but I can not verify if it is their fax. I sent my debt validation letter request and a cease desist letter to this fax.
g ) The debt collector letter stated after XXXX XXXX signature that the law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to the credit bureau. If this is true, then why the effort to collect unverified debt.
h ) Many online forums show XXXX XXXX XXXX as trying to collect debt and sue people for debt not verified nor owed. Some type of legal harassment or entrapment efforts to unsuspecting consumers.
I ) I do not want this company trying to collect unverified debt from me how to stop? Credit dispute or debt validation letters sent to the company by people are typically ignored nor receipt thereof acknowledged according to online forum complaints.
|
| 11/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Was sued by Midland Credit Management in XXXX of XXXX, they alleged that I owed a debt that they purchased from XXXX XXXX XXXX.
I sent notice to court with intent to defend, on the court date Midlands attorney XXXX XXXX had me meet prior to the trial, where I was shown documents of the alleged debt and convinced to make a settlement or face trial ending with a judgement of twice the amount. Midland had prepared the records and hired the services of XXXX XXXX, I was not convinced that the debt belonged to me but under the pressure paid the settlement amount and signed the document presented to me by XXXX XXXX.
Court document of settlement is attached as well as USPS records of delivery to confirm receipt of payment and cancelled check showing confirmed payment as per terms of the settlement.
Per the advice of legal counsel after the settlement a letter was attached with the payment, stating that Midland Credit Management would show the account paid in full and remove all negative information from my credit reports. One year later and Midland Credit Management is reporting that I still have an open account and balance. Attached is a copy of my credit record with XXXX XXXX showing paid as agreed. Midland Credit Management sued and fraudulently collected on an account and will not remove or stop reporting a balance to the credit reporting agencies. It is clear that Midland Credit Management is in violation of FCRA rules. If there is no resolution I have attorneys prepared to file suit.
|
| 01/09/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
MIDLAND FUNDING filed suit against me for a debt that they purchased ... XXXX upon an agreement I made with them, I paid the agreed upon amount ( in XXXX on XXXX different accounts with them ), at which I was told they would be reported to the credit bureaus as paid. as of XXXX/XXXX/XXXX they are still reporting as unpaid and refuse to talk to me as they have noted that I have an attorney. I did not and have not ever had an attorney representing me in these accounts and only told them that after I paid the accounts and they still continued to send me letters, call me and show up at my house trying to serve me papers. The continue to report false information and refuse to correct it, before they will correct it I needed to send them a letter stating I do n't have an attorney regarding this matter and copies of the receipts showing I paid almost 2 years ago. Then once they receive the information it will take XXXX to 10 days to get back to me. This is complete and utterly deceptive on their part, I in good faith did and paid as I agreed and they did not ( and continuing to not hold up to the agreement ). They do not even show me having an open account with them, it is closed since XXXX. They are playing a game with me and my credit, which is not fair and not allowed by law but continue to get away with it for the past 2 years. How many others are going thru the same thing I am and why? I went online and see all of the other complaint about midland funding, so now this does n't surprise me.
|
| 01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX XXXX has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to XXXX to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses XXXX XXXX, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve midland credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.
|
| 01/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On or about XX/XX/2023, I received a suspicious email from Midland Credit Management , Inc., a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to MCM. Your XXXX XXXX XXXX account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to Midland Credit Management , Inc ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from Midland Credit Management , Inc. escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " Midland Credit Management XXXX Inc. is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that Midland Credit Management , Inc. has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately two days after the electronic notification on XX/XX/2023.
|
| 01/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Sir/Madam I have purchased item from XXXX XXXX store as special financing and failed to pay off by the time promotional offer ended due to my income was only from part time job at the time. My job status changed after I had services done by XXXX XXXX Contractors, which led me into financial difficulty leading to unsuccessful in finish paying in timely manner.
ACCT is with collection agency ( ATLANTIC Credit & Finance Inc. ) Phone # XXXX Starting Balance with Atlantic Credit was {$7200.00} Current Balance : {$6700.00} ( As of XX/XX/2019 ) Now I am trying to pay this acct off with help of relative who his trying to help me financially so I can come out of debt. I need your help with agency negotiation the one-time payment on this account. I have been unsuccessful in getting fully co-operation from the collection agency to help me out as I am struggle financially still. They won't reduce to less than {$4000.00} as a settlement amount, I am not able to pay {$4000.00}.
I need your help to have Atlantic Credit to lower the settlement Amount. I am single person with limited and insufficient income to support myself. Therefore, I am requesting help from Consumer Protection Bureau in resolving this acct.
This will help me improve my credit also. In last few months I have worked extra hours as much as possible so I can bring all my accounts current and keep up with all my bills.
Please help me.
I can be reached at XXXX or XXXX.
Thank you so much for your attention to this matter.
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
My compliant is not only that the amount reported to the credit bureau may be incorrect but that they have misrepresented the information on the account which has led to miscalculating how long it remains on my credit report.
Therefore, I am not sure that any of the information is correct since the account has been clearly reaged before reporting to XXXX credit bureau. Now causing it to be on my credit report for longer than 7 years.
History : The original debt of {$300.00} for a XXXX XXXX XXXX managed by XXXX XXXX. Due to financial and medical hardship, I became delinquent with this account in the summer of XXXX ( around XXXX ). It went into collection status and although I tried to make periodic payments to the collection agency which totalled to about {$900.00}, there was still a remaining balance due to their continued increases in the amount due which was very questionable when the original debt was only {$300.00}. However, I believe XXXX may have held it for a long time causing the tremendous increase in the amount due.
The other issue is that when Midland bought the debt in XX/XX/XXXX they may have reaged the delinquency date by reporting it as a new delinquency account after buying the debt from XXXX XXXX in XX/XX/XXXX. As a result, it makes it look like the delinquency date started in XX/XX/XXXX rather than in XXXX of XXXX when the account was with XXXX bank.
As a result, this has manipulated the date of removal and/or how long it stays on my credit report with XXXX.
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have called, and reported this Debt collection company on several platforms, and also reported them to all three credit bureaus. I had my identity stolen, and have notified the company that this is not my account and also mailed this company the copy of my FTC identity theift report, as they requested that I do. Then I asked the company to stop reporting this account as mine, by law they are not supposed to continue to report on it. and to quit reporting interest on this account resulting in my credit score going down because this company is reporting interest going up then two days later will report the balance has gone down by a dollar.
And another two days increase the balance again. I called company and ask why are they still reporting activity if I already stated this account is fraudulent, and you have proof? The agent told me they can still report on this account, witch I know is false. This has been going on for awhile and I'm tired of this company in my personal data. And I just want this Debt collector activities investigated aswell. And also after reporting this company they immediately closed the account, then they opened it up again an began what I believe is toying with me, on my XXXX account it shows closed with a past due balance that's illegal if it's a fraudulent charge and you have proof. All agents I have spoken to are hard to understand, and can never get me to a manager, are some one in higher authority.its bad business at this debt collection establishment.
|
| 03/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because XXXX just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me
|
| 02/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/ 2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill XXXX mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
|
| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a subpoena from Midland Credit XXXX XXXX in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. On XX/XX/XXXX Hurricane Ida damaged my home and I am now XXXX in Florida XXXX XXXX XXXX. I called XXXX XXXX XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said XXXX was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.
|
| 08/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021 - I was informed by XXXX XXXX XXXX my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from Midland Credit Management. The name on the judgement was XXXX XXXX XXXX. I contacted Midland Credit as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. Midland Credit Management failed to provided me a validation of debt letter at the address they filed the lien on. Midland Credit failed to contact me prior to obtaining the judgment or lien on the property. XXXX XXXX per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. This is also the address in which this individual was served notice. Midland Credit knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. Midland Credit knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. Midland Credit has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.
|
| 10/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Midland Funding Balance {$1200.00} I am writing because I received letters, phone calls at my job regarding a debt that the above company has. Once I received letters I responded with a letter to validate this debt because I was not aware of this company. I did not hear back from the company. Instead I received a summons in the mail to appear for Pretrial mediation. I sent a validation letter to the credit bureau once I received this. The accounts with midland funding has now been closed. I spoke of this to the companies lawyers and yet she was still trying to collect XXXX from with with {$250.00} in court fees. I responded to please show me a legal binding contract with my signature. I also requested financial statements of the debt. Credit card statements are not validation of debt. I needed to see all the financial records to ensure the accounting is correct. I asked for a break down between principal and interest as to how they arrived at this amount of {$1200.00}. No one has validated my debt but here I am with XXXX kids, low income and being sued on a debt I have no knowledge of because this company has ignored my validation letters. This has caused me time of work and I just returned to work from having a XXXX. I have doctor bills that I cant even afford and Im being sued by this company that cant respond to my letters. Please help me with this so they can understand that this is not right. They dont care about anything but trying to take money from poor struggling families
|
| 06/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Be advised, this is not a refusal to pay the alleged, rather it is a notice sent pursuant to the Federal Fair Debt Collection Practices Act ( i.e. 15 U.S.C. 1692 ( g ) 809 ( b ) ) and the Pennsylvania Fair Credit Extension and Uniformity Act ( i.e. 73 P.S. 2270.1, et seq. ) that your debt may be disputed and validation is demanded. Please validate the alleged debt within 30 days by providing the following information : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ;? A complete payment history on this account ;? A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ;? Copies of all invoices, bills, and notices concerning this alleged debt ;? A copy of the first written communication attempting to collect this debt ;? A copy of any judgment obtained with respect to the alleged debt ;? Proof that the statute of limitations has not already expired ;? Evidence that you are authorized and licensed to receive payment of this debt ;? Copies of all reports or notices provided to any credit bureaus ;? Identification of the original creditor ;? Identification of all successors in interest to the original creditor ;? If this debt has been purchased or assigned, a copy of all related agreements.
The following constitutes illegal or wrongful debt collection under the FDCPA : Harassing or abusive phone calls, messages or letters
|
| 01/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru Midland Funding. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) Midland Funding directed me to call XXXX XXXX XXXX XXXX XXXX and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.
|
| 11/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been trying to contact Midland Credit Management regarding collection issues. I have notified Midland several times advising that they are not providing the correct amount of what they allege I owe from a loan that they received from XXXX. I had requested that Midland provide copies of the original loan, any vouchers I have signed and/or transactions as well as the interest changes to the account which they should have from the original loan. To date, Midland has failed to do so and they continue to report an inaccurate amount to the credit reporting bureaus. I have notified the credit reporting bureaus of the discrepancy but Midland continues to state that I owe the amount of {$7200.00} which is vigorously being contested and disputed. As a consumer, I have rights that are being violated by Midland and I will have to resort to seeking legal counsel in this regard since Midland has not agreed to nor have they provided any proof of their inaccurate reporting to the credit reporting agencies.
Midland has a duty and obligation to provide the information I am requesting in order to provide accurate and correct reporting of the debt they claim I owe. If they continue to ignore my requests since I have reached out to them several times, I will have no recourse but to consult with legal counsel as I believe I am being discriminated against because Midland has placed my account in collections but have not provided accurate documentation of what the correct amount of the debt is.
|
| 04/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the XXXX major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score.
I disputed these two accoun ts on XXXX XXXX of this year through XXXX , XXXX and XXXX to no avail. To date, Midland Funding has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any correspondence for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
|
| 01/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XX/XX/2016 I have been receiving several call a day from a debt collection agency by the name of Midland Credit Management. The first call was answered by my step-father. This company claimed to be working with XXXX XXXX and that I had an account in collections in excess of XXXX USD. According to my step-father, the representative attempted to solicit the amount from him. My step-father, not trusting this caller stated, " I do n't have any money to give to you. '' which was then met with a reply that for an amount of XXXX USD they would pull the account out of collections. After a second refusal the call was ended. Several calls later, I personally answered and the same information was repeated that they work with XXXX XXXX and that I had a debt to pay. I notified them several times that this is false information and that I would be contacting XXXX XXXX. After calling XXXX XXXX 's fraud department I was told by their representative that midland is not associated with them. This did not seem to dissuade Midland as several more calls followed. The final call being today, XXXX XXXX, 2016. Again After several attempts to notify this company that this account does not belong to me and that if these phone calls continue, legal recourse would be taken, I was told that I would be taken off of their call list. If a company can not keep accurate records of their debts and attempts several times to collect debts from persons unrelated to these accounts, There should be some sort recourse.
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report.
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT!
I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.
Please immediately delete the following accounts immediately from my credit report!
Immediate deletion of account and {$1000.00} per violation of the FCRA MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$890.00}
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDLAND FUNDING who has recently been sued by the CFPB and is currently under investigation by the California Department of Financial Protection and Innovation has illegally parked a collection for {$1300.00} in my XXXX consumer credit file. This act was committed without providing a XXXX notice in an attempt to force me to pay an unsubstantiated debt. Midland Funding LLC and Midland Credit Management had just previously submitted this same collection to XXXX without any notice, however XXXX immediately deleted the unverified collection. I disputed this debt directly with XXXX on XXXX XXXX, XXXX, the same day it was inserted. MIDLAND FUNDING again flagged and updated this collection with XXXX on XX/XX/2021 while it was being disputed with XXXX. I called XXXX again on XX/XX/2021 to inquire as to why my credit report was again flagged for this same collection. MIDLAND FUNDING proceeded to additionally flag and update this collection on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and as recently as XXXX XXXX. After approximately 3 phone calls with XXXX and multiple updates from XXXX, I was not sent a dunning letter, but instead I was sent a bill in the amount of {$1300.00}. I then sent a validation request directly to XXXX, I did not receive the requested validation but instead received a second bill dated XX/XX/2021 requesting payment of the {$1300.00}. This second bill was sent while the debt was under dispute and proper validation was not requested and not yet received.
|
| 02/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the companys response, XXXX XXXX state that they reviewed business records that indicate that the account information it is furnishing to the three major credit reporting agencies is accurate. That is 100 % inaccurate! The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts that are posted on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even accounts that do not belong to me or are not reporting 100 % accurately!
1. XXXX XXXX and XXXX are showing different date of open account and placed for collection dates with collection agency.
2. XXXX XXXX and XXXX have different account statuses.
Per XXXX XXXX, your previous request, the above-referenced account will remain marked Cease and Desist. While it remains due and owing. How can it remain due and owing when you have not properly verified what is due and owing, when there are multiple errors reporting on all credit reporting agencies and per The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the original creditor stated they no longer have the original signed consumer contract nor your company can furnish it? I would like the account to be removed immediately from all three major credit reporting agencies. Also, per FCRA 611, if every aspect of the account is not 100 % accurate it must be immediately deleted.
|
| 11/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?!
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.
|
| 01/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This new complaint is in regard to the original complaint # XXXX in reference to XXXX XXXX account number XXXX, to which Midland Credit Management stated that `` A review of our records indicates that the statute of limitations has expired '', and that " Per your request, the above-referenced account has been marked 'Cease and Desist. ' " However, on Monday, XX/XX/2023 I received information from my Human Resources department that Midland Credit Management are still attempting to follow up on the garnishment. Their newest email comes today, requesting to be re-directed to " the concerned team or person. '' The original correspondence is from " XXXX '' and reads : " Hello, I am trying to reach out to Payroll/HR regarding information Related to Legal Process of Wage Garnishment that was recently delivered to your company.
Please escalate this to the concerned department & have them respond back to me ; I will provide the concerned employees details.
You can email or call me on the below mentioned Phone number and refer to reference number # XXXX.
Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX Department Midland Credit Management A wholly owned subsidiary of Phone : XXXX Option # XXXX Fax : XXXX Email : XXXX '' Therefore, MCM is now not only illegally pursuing an old debt, but they are continuing with their litigation process despite assuring me that the account was marked " Cease and Desist. '' They are performing XXXX illegal actions regarding this debt and account.
|
| 08/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was put under duress during our conversation. On multiple occasions during the 1 hour and 44 minute conversation I was crying. I was told that my credit would suffer, my credit worthiness wasn't worth this, that my wages would be garnished, I had had multiple letters sent to me ( not true ) I had money from other accounts I can pay the debit with, I need to spend my money wisely and pay the debt I owed, they believe I have money to pay the debit .... etc. They were looking at my credit report, my past jobs, any information they could use to psychologically make me feel like a piece of XXXX for not paying the debit card. I offered them what I had because I was in fear of wage garnishment and lawyer fees. They wanted more and made me decide right then if I was accepting the offer. I asked repeatedly for time to think and the transcripts of the conversation and was ignored. I called the company today to request transcripts of the conversation and was told I would have to sue them to get transcripts and when complaints are filed they use the notes to respond. The notes are skewed in favor of the company and I want the transcripts so that it can be understood what happened and why I believe I was bullied, XXXX XXXX, harassed and tricked or scammed into accepting " a deal '' while under duress. Any company who makes someone make a decision under duress, in fear, and without being able to think about it first is using psychological warfare and it is criminal to use these tactics.
|
| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against XXXX XXXX XXXX for MCMs failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) sent a written request for documentation on this debt, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
Despite the detailed request for documentation and reasoning, Midland responded on XX/XX/18 that they were unsure what the consumer was requesting. A second letter was sent by consumer on XX/XX/18 specifying the concern that Midland has the authority to collect, and again detailing documentation that would show this. It has now been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A debt collection agency, MCM Midland Credit Management Inc, is continuing to try to collect a debt that my bank deemed to be fraud. I called the debt collection agency and explained the issue ( below ) to them and informed them that they were trying to collect a debt that was determined to be fraud by my bank. They stated that they only work for the company that hired them, and they refused to stop sending me collection notices. It has been 1-year, and they still refuse to stop sending notices. The fraudulent and unpaid bill is also listed on my credit score.n Original Creditor is listed as " XXXX XXXX XXXX Bank and MCM Acct # XXXX for amount {$270.00}. I have done my best, and they apparently have no intention of stopping the efforts to collect something.
What happened : A friend 's XXXX-year-old daughter ordered " Beauty Cream '' for me with my credit card. I called the company within 10 minutes, and they claimed to have no record of the order. Then I received several charges on my credit card from different companies for the same order. I contacted my bank who determined that this was fraud, and prompted blocked all charges and refunded the money. It took me working with the bank for 3 months to stop all the charges since each time there was a different company name on the charge. Right after that is when I started getting the debt collection notices. I called the debt collection agency who refused to stop trying to collect even after I informed them that it was fraud.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I ask to have my account verified and they did they stated everything was accurate which it wasnt after doing my own thorough research myself and found several inaccurate information on my report which they claimed was verified and obviously did not, my account reflects that this account was open in XX/XX/XXXX which is incorrect This account was open, XX/XX/XXXX which giving me a unfair chance on path to better credit and if this doesn't get resolved by being remove from my report ill be forced to take this to court In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Midland Credit Management Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After sending multiple letters to Midland Credit as well as an validation of debt letter and a cease and desist regarding an alleged debt. I received what appears to bank statements as proof of verification that the so-called alleged debt is indeed mine. But it is not mine XXXX XXXX ' debt I never signed a contract nor gave my social security number to Midland Credit Management nor XXXX the so-called original creditor. Pursuant to 15 USC 1602 ( e ) " person '' refers to a natural person. Also pursuant to 15 USC 1692a ( 4 ) a Creditor refers to any " person '' who created the alleged debt. Therefore you are attempting to state I, XXXX XXXX, the natural person created the alleged debt but I did not. You said the last four of my social security number was used to open the account but I never used the last four of my social security or signed a contract with you and XXXX to open this account. Pursuant to 15 USC 1692g only I the alleged creditor/natural person can verify this alleged debt and only you the debt collector can " ASSUME '' the debt is valid. An assumption is not fact and which is why pursuant to 15 USC 1692g ( c ) it also states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I'm not liable for this alleged debt that is not mine and in no way can you nor a court interpret otherwise, not even if I did not exercise my right to attempt to validate beforehand.
|
| 03/06/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland Credit Management ( MCM ) was authorised to take {$25.00} out of my account, starting XX/XX/XXXX-XX/XX/XXXX. Instead of just 3 months, someone put in 23 months of payments. MCM continued to take {$25.00} out of my account each month for the next nine months without authorisation! Without my knowledge! ( I wasnt getting any statements in mail ) Im not a person that usually checks my bank statements & that was my XXXX XXXX resolution to become financially fit. Accounting for every penny that I spend. Ive been talking with the MCM since XXXX, ( on a weekly basis, or more ) trying to resolve this issue & get back to {$220.00}. With no progress, till last week. XXXX XXXX ; Management of MCM authorise a refund for {$220.00} said, Money would be back in my account within five days. Today is XXXX XXXX ; I called the company again today before filing my complaint. I set up for payments ( my bills ) to be taken out of my account today, the company had said that my money would be there by Wednesday, XX/XX/XXXX. Now I have NSF charges & the amount of $ XXXX {$220.00} they still owe me for the refund for a grand total of {$490.00}! The company today had to say today, Well it takes time for the money to go back into your account! Today was 9 days. MCM says today, It could take up to 20 days. They just keep jerking me around! I dont think I will ever see my money & now I owe more than what they owe me because of their lies. I did tell them I was reporting them to the XXXX & FTC.
|
| 08/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
This credit card debt charged off back in XXXX/XXXX/XXXX. I was taken to court XXXX/XXXX/XXXX. I could not pay. I was repeatedly taken back to court XX/XX/XXXX and XX/XX/XXXX. In which I still could not pay However in XXXX a garnishment was ordered I appeared back in court XXXX/XXXX/XXXX and an order of exemption was granted. All of these times the creditor did not appear in court for anything. From the time from XXXX XXXX up until XXXX XXXX I had not heard anything from the creditor. I received an order to garnish my wages XX/XX/XXXX. I appeared in court yet again XXXX/XXXX/XXXX. Creditor was contacted by judge and failed to answer or call back nor did they appear. I was granted an exemption. A judgement was placed against me in XX/XX/XXXX. The Statute for this kind of debt is 5 years and as It has been well over 14 years and makes it time-barred. They continue to take me to court or threaten to take me to court. They never show up but they ask for all my information. For ten years I heard nothing from them. I have worked for the same company for well over that time. The debt was never renewed I never promised to pay. I have appeared every time in court. This debt is too old to be collected on anymore. I asked that it be dismissed. They stop harassing me by threatening to take me or taking me to court. I have sent a letter to cease and desist on trying to collect on the debt because of how old it is. As of XXXX/XXXX/XXXX as they have threatened to take me to court again.
|
| 11/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
In XXXX I found out that I had a property lien which I wasn't aware of. The attorney handling the closing could only tell me the it was for XXXX Bank. To which I responded, we have a payment agreement so I didn't understand why they would have a property lien. Midland Credit is the collection agency that purchased that debt so I called their " legal '' department. During this conversation, I asked about the property lien, why there was one since I had a payment arrangement and had been making my payments faithfully. They led me to believe that they had in place the property lien and need to cancel my payment plan. I protested the canceling of the payment plan, but they said it was necessary in order to resolve the property lien ( paraphasing ). My response was what if it doesn't go through I needed to go back on my payment plan. I spoke with a manager regarding this. Well it wasn't true at all. They were very deceptive. They did not and does not have a property lien. It was a different entity. I feel very lied to and manipulated with the goal of getting my payment plan canceled by any means necessary. I've placed XXXX phone calls today, the first as I was about the explain what had happened she cut me off asking me if I were XXXX XXXX in a very curt manner. I asked for a manager at that point. Told no manager was in the office. Made to other attempts to discuss what happened and to reinstate my payment plan which the woman manager I spoke with said wouldn't be an issue.
|
| 10/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
MCM debt collection company has been spam calling my phone from hidden numbers and blocked numbers. Ive asked for proof that the debt is mine and belongs to me which I have yet to receive from the company via email and phone. When they sent their first email I requested to not be contacted any further. Theyve been contacting me via email and phone claiming that I owe over {$600.00} to them from my XXXX card. My card had been used to purchase items that never were successfully delivered to me, therefore I am requesting proof of purchase since all deliveries required signature on delivery. I am willing to pay the fees if the debt can be proven as mine.
But I do feel this company MCM and XXXX XXXX bank has been repeatedly harassing me and MCM have even threatened me with various deceptive and false statements such as telling me they would have my wages garnished had I not worked to pay them or came to an agreement with them. MCM was very difficult to work with and come to agreements with .The company continually has violated FDCPA. Their means of communicating and contacting are very abusive, harassing and oppressive. When it was expressed that I was having a difficult time following and understanding the workers were very hostile and rude. They did not politely help me come to an understanding of what was being asked of me. In fact, when I asked questions the workers would get angry. They stated calls were recording so hopefully it can be reviewed for quality purposes.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to XXXX XXXX XXXX, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.
|
| 07/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company MIDLAND FUNDING, LLC is trying to collect {$6200.00} from me for an account they claim I owe.
I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Funding has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Funding has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 01/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
First, this company did a unauthorized use of my credit card. Under 15 USC 1602p the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I never give this company permission to use my personal information. This is fraudulent activity.Also not to mention identity theft.I wonder want else have they used my personal information for? I receive no benefit from this account. How did they even get my information? I guess they stole that too.
Under 15 USC 1692e, this is false and misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
This is unacceptable behavior. My rights have been violated. the account need to be deleted TODAY.
|
| 12/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount.
On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland.
On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX.
On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX.
I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.
|
| 05/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.
c. an adverse claim found at UCC 8-105 ( b ).
d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.
e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.
f. violationof18USC1956 - Laundering of monetary instruments.
g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.
h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.
1. violation of Truth and Lending Act Section 1640 ( h ).
J. violations is Anti-trust laws.
k. violation of the Uniform Deceptive Trade Practices Act.
1. violations in bank fraud.
m. violations in wire fraud.
n. violation of the Consumer Credit Cost Disclosure Act.
o. violation of False Advertising.
15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.
15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue
|
| 06/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a notice of settlement was received from Midland Credit Management advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX.
On XX/XX/XXXX a debt validation letter was sent to Midland Credit Management in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded.
All 3 bureaus list alleged " XXXX '' account as closed and collection/chargeoff.
Then on XX/XX/XXXX, XXXX dispute results were received and there was an observation that on XX/XX/XXXX " XXXX XXXX XXXX '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " XXXX ''. It should also be noted at time of inquiry neither " XXXX '' or " XXXX XXXX XXXX '' had any open accounts listed on credit report.
On XX/XX/XXXX a letter was received from XXXX that stated " This account has been assigned to XXXX XXXX ''. How can an account be assigned to a company that has already closed and charged off said account?
How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.
|
| 04/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving 2 calls a day frequently from numbers associated with Midland Credit Management. I went to their website and tried to look up an account with the information the website asked for ( last name, birthday, and last 4 of my social ) but nothing came up. I called today ( XX/XX/XXXX ) to find out what I had in collections with them, but the woman that I spoke to ( didnt get any names of any employees ) wasnt able to find an account in my name either. She gave me the number XXXX to call and check with them, too. I called the number and the man who answered asked for my social, so I gave him the last 4 just like I did when speaking to the woman from before. He said No, I need your full social security number. I responded is there another way you can look it up, cause I dont feel comfortable giving you my full social and he seemed to get an attitude after that, but verified that I didnt have an account with them. I then called their complaint line and explained to the man who answered that I wanted to file a complaint because I had been getting calls about an account that they didnt even have with me, so the man tried to look up my account and told me I didnt have one so there was no reason to file a complaint. I responded that regardless, I wanted to speak to a manager or supervisor because they have been harassing me over debts that I dont have. He said he would transfer me to a manager but I was just left on hold until I hung up 10 minutes later.
|
| 03/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The options in the previous section were not specific to my complaint. Midland Funding is the collection agency who apparently purchased a charge off from XXXX XXXX XXXX in XX/XX/XXXX which was {$300.00} and is now {$630.00} as I pulled my report today and saw it reported to all three bureaus. I called Midland Funding to discuss the debt as I want it off of my credit report so I called to discuss options and I was told that they will not speak to me about the account because I submitted a cease and desist letter in writing to them in XX/XX/XXXX. I told them that I do not recall doing so, that I disputed the account on my credit report but that that was not a cease and desist request. After speaking to a manager I was told that I had to fax in a letter removing the cease and desist and acknowledging the debt and my identifying information and that then I could call back in 3 days to 10 working days to see if they could now speak with me. I explained that even if they had received a cease and desist letter from me that that meant they could not contact me, but not the other way around, that I certainly have the right to contact them about what they are reporting on my credit. I was not heard and was told again to send the fax if I wanted to discuss any options. I feel this is a violation of my rights and they are using deceptive tactics so that they can go back to harassing me and starting over a statute of limitations on how long they can continue to contact me.
|
| 03/22/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Midland Funding LLC claims that my husband owes them a debt despite my husband and I showing " proof '' of Identity theft. They continue to harass us daily, demanding money for this debt. We have proven to them numerous times that it is not his and they keep selling it to other agencies within their own agency. They call us 4 -5 times a day harassing us. My husband works long hours so I am the one answering the phone at home. Most of the time they ask for him but refuse to tell me who they are! A few times they have told me they are Midland Credit, attempting to collect a debt my husband owes. Now that they know I am his wife they are threatening me, saying that they are going to send police over to arrest my husband and I, they are going to have my house and cars taken away from us and that we would be sued! I explained to them that we had already proven to them that the debt was n't my husbands and to please leave us alone and stop harassing us. The " lady " that spoke to me on the phone said, they would leave us alone once when we paid what we owed. I continued to beg them to leave us alone and they continue to call back about 4 -6 times daily and sometimes they call late at night. The caller ID is also showing different numbers and there has been a few times where our own phone number comes up.
We live in fear of police coming to our door with a debt that he does n't owe. We do n't know where else to turn to make them remove this debt and stop harassing us.
|
| 11/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Before I file a lawsuit against Midland my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. Midland Credit Management Inc. has been harassing me since late last year on my credit reports XXXX. ( XXXX United States XXXX section XXXX ( XXXX ) ). I have been in contact with them multiple times sent certified letters to them as well XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference MCM account from your credit file. '' But no action was taken my credit report XXXX currently still shows MIDLAND FUNDINGAccount NumberXXXXAccount Type & gt ; Installment & gt ; Terms & gt ; 1 Month & gt ; Date OpenedXX/XX/XXXXAccount Status & gt ; Closed & gt ; Payment Status & gt ; Paid & gt ; Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. Midland violated XXXX XXXX XXXX ( XXXX ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX credit report.
|
| 07/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After payment was made on a debt that was arranged to a lesser amount on a debt that was not conclusively my responsibility to Midland Credit Management XXXXXXXX XXXX XXXX XXXX MI XXXX was victimized by identity theft resulting in my bank accounts and phone service being lost for an elongated amount. After rectifying matters I attempted to resume the payment arrangement that was previously agreed upon settlement installment which was XXXX. They informed me that the balance was XXXX and would not allow me to resume my payments which I attempted to make in good faith although As I was justified.for any and all delinquency. I've made numerous attempts to rectify the matter consistently being.transferred from department to department intentionally hung up on being treated rudely and in a very demeaning manner.. Consistently calling me XXXX or by the wrong name as if they're doing it intentionally. My name is XXXX which is how it is listed shown on my account This is clearly a case of gouging harassment and default on their part. I have disputed the balance of this account internally with Midland Credit Management In which they were supposed to respond to me directly or by email. And with their promissary statements of dispute arbitration by their head officer of that department. I had still not received any correspondence as of today. I've also filed dispute with XXXX XXXX and XXXX to no avail ..Any and all assistance in this matter would be greatly appreciated.
|
| 11/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I'm perplexed with my recent credit report to consider that I don't owe this debt - Can you please look into this along with the attachments? Also, I have disputed this item with the credit reporting agency, and the original creditor and coll and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 01/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit continues to harass me with false accusations of a debt, I have now received a Pre-Legal Legal letter from this company, and they have not validated any debt. I have asked on numerous occasions to provide proof of debt a signed contract with my signature consenting to any debt, I am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.
Furthermore, I requested them to cease and desist all telephone communication through my residential or employment numbers. XX/XX/2023, Midland Credit violated my rights and called my phone after I requested them to STOP all communication, any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.
I have reported this company to The Indiana Attorney General Office and Better Business Bureau. I also have forwarded a copy of their said letter to an Indiana Attorney.
I appreciate your efforts in this matter and look forward to your response.
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/ 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 08/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notice from MIDLAND FUNDING about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND FUNDING on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested.
again on XXXX XXXX I sent MIDLAND FUNDING another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND FUNDING on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for.
1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 03/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account.
The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX of every month starting in XX/XX/XXXXthey would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX on one account and XXXX on another leaving me with a -XXXX balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that Midland Credit does not have my backing information and continue to deduct any more checks.
|
| 02/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/XXXX ( about XXXX XXXX ), " a white bald male walked up to the front door shouting out XXXX, XXXX ... without knocking '' per the owner of the house. The owner of the house heard voices and walked towards the door. As the owner approached the door to look at the peephole, the white male reaches in to knock loudly. The white male asked for XXXX, the owner of the house told him that I don't live there ( although I have permission to use the address to receive mail ). The owner of the house then asked what this is about, the white male introduced himself as a debt collector for XXXX and he trying to collect {$600.00} debt supposedly by XXXX. The owner asked the mail to be left at the front door but he refused to leave the mail due to the fact that I do not live there. I am homeless, I asked others to use their addresses to get employed. Luckily I was able to get employed a warehouse averaging 28 hours a week at minimum wage ( a seasonal job that I was hired on XX/XX/XXXX ). The debt collector has caused a scare to the owner of the house, I was phoned by the owner of the house to make aware of what was going on and he then requested that I stopped using his address. The debt collector has volunteered my personal to the owner of the house to cause more hardship to my life and his approach was very unprofessional and scary. The collector scared the owner of the house with his very very unprofessional approach. Im not even sure who it was. Please help
|
| 09/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I TOOK OUT A CREDIT CARD WITH XXXX ABOUT XX/XX/XXXX. I HAD TROUBLE PAYING IT BACK, SO MY ACCOUNT WAS SOLD 3 TIMES TO A DEBT COLLECTOR. THE ACCOUNT ENDED UP WITH MIDLAND FUNDING LLC. MIDLAND FUNDING FILED A CIVIL SUIT AGAINST ME FOR OVER, XXXX. THE CREDIT AMOUNT WAS ONLY XXXX. THE HEARING WAS SCHEDULE FOR XX/XX/XXXX OR XX/XX/XXXX, BUT WAS RESCHEDULED BY MIDLAND AROUND XXXX TIME, XX/XX/XXXX OR XX/XX/XXXX. I SHOWED UP AT THE HEARING, BUT MIDLAND DID NOT. THE DISTRICT JUSTICE JUDGE, XXXX XXXX, PHONE NUMBER, XXXX, RULED AGAINST MIDLAND AND IN FAVOR OF ME, BECAUSE MIDLAND DID NOT SHOW UP. I NOW FIND OUT, THROUGH MY JOB 'S REQUIREMENT TO HAVE A BACKGROUND CHECK FOR CREDIT PURPOSES, THAT MIDLAND HAS TURNED THIS AMOUNT OF MONEY OVER TO THE CREDIT BUREAUS. I CONTACTED MIDLAND A MONTH AGO ABOUT MY CREDIT REPORT. A FEMALE WAS SUPPOSE TO GET BACK TO ME IN FEW DAYS, SHE SAID. WELL, I FOLLOW-UP WITH MIDLAND TODAY, XX/XX/XXXX. I SPOKE TO ANOTHER FEMALE EXPLAINING THE CIVIL SUITE AND I WAS EXONERATED, DUE TO MIDLAND NOT SHOWING UP TO THE HEARING. THE FEMALE JUST KEPT SAYING I OWE THIS DEBT. I ASKED TO SPEAK TO SOMEONE IN THE LEGAL DEPARTMENT, BUT SHE REFUSED TO TRANSFER ME TO THAT DEPARTMENT. I SAID TO THE FEMALE, MIDLAND CAN NOT SUE ME IN COURT AND NOT SHOW UP AND TURN ME OVER THE CREDIT BUREAU. THE FEMALE STILL SAID, I OWE THIS DEBT. MIDLAND FUNDING LLC TELEPHONE NUMBER IS XXXX. I'M ASKING THAT MIDLAND CLOSE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT REPORT. THANK YOU.
|
| 08/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The most recent call from Midland credit called me and we spoke about settling the debt for a lower amount. The person I was speaking with wanted me to do it right then, wanting me to give my bank account number, my credit card number or my debit card right then. I told him no, I would send him a cashiers check and he did not want to agree to that .He wanted the payment right then. My boyfriend was sitting next to me listening to this conversation I was having with the debt collector. He saw me getting upset. The man kept saying hold on, hold on, hold on, every time I said no Im just going to hang up now he would say hold on hold on hold on. I felt I was being harassed, bullied and I was getting physically stressed out. To me and my boyfriend it sounded like The collector would agree to my offer if I paid it right then but if I wouldnt, he wouldnt agree to the offer. I have read my rights, and it says to get it in writing before I send in any money. I did make a couple of payments in the past to XXXX XXXX before it was bought by Midland credit. On another attempt, I called Midland credit and it sounded like the same man I spoke to earlier, I asked him if he would take another offer and he said he would if I made the payment right then, again I said I would send a cashiers check. He said hold on and he would check with his supervisor he would be back in 30 seconds, I was on the phone waiting for him to come back for over eight minutes finally I hung up.
|
| 05/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
1. sent a debt valadation letter no response violation of 15 U.S. Code 1692g ( b ) Collector must cease collection efforts until debt is validated Validation of debts proof letter was sent certified mail and signed for proof in the attachments 2. all three credit bureas and this company continue to furnish inaccurate information after being warned violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. this account was closed should be closed but the account status shows open a collection account law clearly states must be 100 percent accurate and i never gave written consent to furnish anything on my report also this company is not registered with the DFPI PURSUANT TO THE CALIFORNIA NEW ACT ( DCLA )
|
| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
Midland Credit Management has used scare tactics and left numerous phone messages and texts stating " I have only one hour to respond ... Legal action was in force,,, possible jail time ... taking of personal property '' messages like this on a daily basis. I am also due a court date XX/XX/XXXX via XXXX. but I only live on social security check, unable to work, health issues, dont even have a car. They have scared me thinking they are coming to my house to scare me or hurt me. I am in fear. I am a senior citizen at XXXX and have health problems and financial indigent. The phone numbers they call and text and leave messages are : XXXX, XXXX, XXXX. XXXX, XXXX. I have called for free legal aid for assistance. But the harassments continues no matter what I do. I am in fear over {$1800.00} debt. Midland credit management has made me lose sleep and XXXX and scared to go outside in fear of someone hurting me. This is a crazy world now and I do not know what people are capable of. I block the numbers but they find other numbers to call and the phone is actually my son 's phone that he is letting me use. Its not even my phone. What can I do to stop this series of scare tactics that are actually causing me more physical and emotional distress over {$1800.00} that I cant pay, and dont have any personal assets or job and health issues are even more because of this harassment. Please Help Me!
Sincere Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX
|
| 04/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I was served paper work for a civil lawsuit from Midland Credit Management INC. This was for a closed XXXX XXXX card from back in XXXX. I was paying all my bills and was current on my bills. I quit receiving statements since I had believed the account was paid in full and closed.
On XX/XX/XXXX when I was served a civil court order to appear in court for a total balance of {$2900.00}, I noticed that the creditor had my incorrect address listed, showing me as living in an apartment not in a home. I live in a house not in an apartment complex. The address they had listed is not my correct address. So I do not know where the mail was going to with the incorrect address they had listed for me.
I have not received any phone calls or letters in the mail from Midland Credit Management INC, until I was served with a summons to appear in court on XX/XX/XXXX.
I pay my bills and I do not have issues in my credit. For a company to file a civil law suit and not follow federal law of notification to the consumer and ensure that the consumer has properly received the mail to make payments is not lawful. How can a company file a suit without properly notifying a consumer via certified mail to ensure the consumer receives the mail? The consumer then could respond to the mail if the consumer had received the mail going to the correct address.
If the creditor never sent out mail to consumer to make the payments, how can this be a consumers problem?
|
| 04/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I submitted a Certified letter to XXXX XXXX n regards to two negative inserts that was on my Credit Report. They were both for the same company but one was from the Credit card and the other one was from a collection agency ( XXXX XXXX XXXX ) both for XXXX XXXX XXXX.
I asked to please Validate the accounts and to provide me with copies of any documentation associated with this accounts bearing my signature.
On XX/XX/XXXX I received a Credit Report from XXXX XXXX dated XX/XX/XXXX stating that the account was verified and updated. Not receiving any proof that this account bared my signature. By that time it had been 30 days before i rec '' d any response so on XX/XX/XXXX I sent in a .SECOND WRITTEN REQUEST. stating that the unverified items listed below remain on my credit report.
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX that the account in question was Verified and updated, yet no proof was submitted bearing my signature.
On XX/XX/XXXX I submitted my 3RD request stating that this was my final communication in regards to the inaccurate entry and yet no evidence to support their reporting was ever provided to me.
On XX/XX/XXXX I received a letter XXXX XXXX dated XX/XX/XXXX stating that the investigation results were verified and updated. I feel i have been treated unfair from the Credit Bureau and they have not complied with my request for verification and they have also Violated the Fair Credit Reporting Act.
|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have had a payment plan for three accounts with Midland Credit Management for almost three years and have made very payment on time with direct debits from my checking account. On XXXX XXXX, an unknown party gained access to my routing and checking account numbers and fraudulently withdrew several thousand dollars from my account Because of this, my bank changed my account number.
I attempted to change my bank account numbers on Midland 's website, however, they do not have a mechanism to do this and only gave a number of a representative to call. I called that representative four times over the course of several weeks and left messages asking to update my information so that my automatic payment could be processed. I also emailed Midland two times requesting the same. I never received a response. I then mailed paper checks to Midland to make the payments, however, due to the communication delays on their part, the payment was later than scheduled.
Midland has now reported the account as a collection account which they have not done previously in the three years I've been working with them. I simply want them to contact me or provide some sort of mechanism to update my payment method and to remove the collections report from my credit report since they never responded to my attempts to update my information. My payments on the accounts are current ( in fact two of the three I had with them are now paid in full ). Thank you for your assistance.
|
| 08/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
On XX/XX/XXXX a Writ of Garnishment was obtained by Assett Acceptance on me and my employer, XXXX XXXX XXXX , XXXX. Starting XX/XX/XXXX funds my paycheck were taken and continued for about 6 weeks. Even though I tried to claim the Head of Household Exemption it was denied. After 6 weeks a total of {$800.00} had been held by my employer. And nothing more was taken. On XX/XX/XXXX the XXXX Seventh Circuit Court de solved the Writ for Failure to Proceed. We had heard nothing since then from either the court or Assett Acceptance. After 2 months the {$800.00} was returned to me by my employer.
On XX/XX/XXXX Assett Acceptance was able to obtain another Writ of Garnishment. I tried to call them and offer to settle for the stated amount of {$1900.00}, but was then informed that I owed over {$3600.00} now because of court costs and filing fees, of which NONE of this is stated anywhere in the new Writ. The ONLY amount stated is {$1900.00}. The person admitted that the original Writ was de solved due to Assett Acceptance 's error. I asked why they never completed the garnishment and was told, " because they can ''.
Why should I have to be responsible to an error they made resulting in more costs an fees? I feel that they made the error on purpose so they can collect more than what they are entitled to.
There was no way he would take my offer and told me to talk directly to the court.
I feel that I am being ripped off for something I had no control over.
|
| 06/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently, I retrieved my credit report from all 3 bureaus. To my dismay, a company by the name of Midland Credit Management was listed there as a collections, for {XXXX}. Not aware for what this collection was I immediately disputed with the 3 bureaus as well as with the Midland Credit Management company. As outlined under the The Fair Debt Collection Practices Act I requested a Validation of debts to include a statement and/or signed contract. In response, I received notice that the debt had been validated as accurate from the bureaus and an offer for settlement from Midland. They ignored my request to substantiate their reporting. The FTC states on their website that with such request the collector has to send you written verification of the debt, like a copy of a bill for the amount you owe, before it can start trying to collect the debt again. https : //XXXX.XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX, yet all I have received is numerous offers to settle an erroneous debt while they continued to report this derogatory tradeline.
It's evident Midland is not able to substantiate their derogatory report in association with my name. However I am open to giving them one last attempt to physically substantiate the erroneous reporting or promptly delete such reporting information as the FCRA and FTC instructs. The reported inaccuracies are damaging and impedes my rightful ability to gain financing with fair and responsible terms.
Please help me resolve this.
|
| 11/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
1 : Debt buyer- XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX for communications purposes. I have never banked with or made an account with this XXXX or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify.
2 : Debt buyerXXXX XXXX XXXX XXXX, XXXX.
Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around their U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return.
3 : Debt buyer- Midland Credit Management XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was XXXX XXXX XXXX, however I never gave them consent to sell my information. I have never willingly created an account with
|
| 02/18/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed.
Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports.
According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified.
The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings.
Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XX/XX/XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan.
While investigating my credit report, I noticed there was a charge for {$320.00} with Midland Funding.Neither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that Midland Funding is a 3rd party collection agency. They informed me of thisXX/XX/XXXX.
Upon informing of this I placed a call to Midland to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of XXXX. Which is odd, because while I did have a XXXX card, I paid it off over over 4 + years old. In fact, they actually deactivated my card because of inactivity.
After contacting themXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, I spoke with 5 different representatives for Midland Funding LLC. I specifically asked them, what were the charges for. I asked what is the invoice owed, what are the specifics to this debt. Not one person could give me an answer as to specifics of this debt. They only would say you had a XXXX card from XX/XX/XXXX- XXXX. Nothing more. Which is why I am disputing it. I do n't believe I owe this at all, and they have n't provided anything showing I do.
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Original Card with XXXX XXXX.
Perfect payment record until I was victim of business fraud.
I missed about 7 payments in a row and my debt was given to XXXX XXXX who contacted me. After describing my situation an agreement was made to make {$50.00} payments monthly until debt on card was paid with no interest added. We set up an automatic draft and the {$50.00} payments came out each month as agreed for a full year.
When the automatic drafts stopped I assumed the debt was paid. The last payment came out in XXXX of XXXX.
In mid XXXX of XXXX my credit score suddenly DROPPED by over 20 points and when a " collections '' account was added under the name of Midland Funding. When I researched I found it to be the same XXXX XXXX Account! I've called almost daily. I've written letters. I've spoken with people who all agree that I had an agreement with XXXX XXXX and that THEY stopped taking out the payments and that Midland is an umbrella company for XXXX XXXX. NO ONE has given me an explanation for what they have done. It has ruined my progress for repairing my credit after a horrible fraud situation and they are NOT fixing the situation. They say I owe {$1400.00} and can pay them in full now ... or in 2 payments. No explanation of what has been done with the {$50.00} payments I've been making or how they just threw away the agreement - and reported me as in collections with no explanation, letter, phone call, etc. The original agreement is attached.
|
| 10/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.
|
| 07/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I opened a credit card in XXXX. Since then, it was charged off to Midland Credit Managament. Someone responsible in collecting the debt in this company attempted to contact me via phone in XXXX of XXXX. I told them that at that time I could not pay the amount in full when they offered, but that I would get with my husband about what we could afford and call them back when I could ( as I have been unemployed since due to high risk XXXX and having to stay home with my child-meaning no source of income ). They called back the very next day without waiting for me to contact them first, when I answered they were forceful in stating the only options available to me and asking over and over again if I had spoken to my husband about it. I told them that I had not spoke to my husband yet, and am aware this will affect my credit but I dont have many options at the time. They continued to call consistently for up to 3 days after this second phone conversation and leave voicemails. They mailed things to me as well at my home address regarding the charge off, and put on paper what my options were then. I already stated to them that I would get back with them and they did not allow me the time. My circumstances have not changed since then and they are attempting to sue me for the full amount plus court fees. I also attempted to contact them back via mail after being served by the magistrate court and they refused to respond to any of my solutions or offers.
|
| 03/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019, I contacted Midland Credit Management concerning four debts I have with creditors in an attempt to resolve the debt. At this time, I spoke with XXXX, a representative of the debt collections agency. XXXX informed me during this recorded call ( recorded by agency ), that all four debts were grouped together under one case #, XXXXXXXXXXXXXXXX, and the total amount of the debts were {$10000.00}. ( Per documentation sent to me following this call, the " principal '' amount of the accounts were {$7100.00} ). In addition, XXXX informed me that on the scheduled court date, which was XX/XX/2019, said proceedings will include all four debts ( accounts ). During the court proceeding with a legal representative for Midland, a settlement agreement was made, wherein I agreed to pay a total of {$4200.00} to settle the four debts no later than XX/XX/2019. However, Midland is currently refusing to acknowledge the settlement agreement. They are claiming that the court proceedings, and settlement agreement only included three accounts, not all four accounts. As previously stated, I was informed by XXXX that the case being heard, or discussed in court on XX/XX/2019 included all four accounts. With that being said, Midland is attempting to collect on a debt that has already been agreed upon in a settlement agreement that was established during a court proceeding. Midland is in direct violation of The Fair Credit Collections Act, Section 807 ( 2a ).
|
| 02/11/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
On XX/XX/2017 Midland Credit Management ( MCM ) contacted my husband at work at an inconvenient time for him to be getting a call. He calls back to inquire as to the purpose of the call and the representative he spoke to identified themselves as a debt collector and the purpose of the call was to collect a debt.
The representative proceeded to tell my husband ( a 3rd party person ) the amount owed and how he was going to pay it. My husband told the man that he just broke a federal law and hung up.
I called the company and authorized my husband to speak to them on my behalf just this once in regards to the debt. My husband called them back on his break and asked for a representative from the US and was placed on hold for over XXXX minutes and hung up as he had to get back to work. In XXXX minutes, MCM called him 2 more times while at work resulting in harassment.
The following day, XX/XX/2017, MCM contacted my husband again in regards to the debt while at work. After my husband got off of work he called them back to verify if it was the same company. Another representative proceeded to tell my husband that it was an attempt to collect a debt and provided the amount owed.
Twice in 2 days MCM has broken FDCPA law by speaking to a 3rd party about my debt owed and attempted to collect from him. FDCPA states that a debt collector may not discuss the debt with a 3rd party and can only call a 3rd party one time in order to locate the customer.
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not have a contract with this XXXX XXXX. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX, XXXX, XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
|
| 11/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Midland Credit Management issued me a refund check in the amount of {$1000.00} on XXXX XXXX, 2015. This check was deposited by me on XXXX XXXX, 2015. However, this check was voided on XXXX XXXX, 2015 by Midland Credit Management because it was supposed to be issued to my father, XXXX XXXX, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on XXXX XXXX, 2015 and was told a refund check will be issued within four to six weeks to my father, XXXX XXXX, and will be mailed to his address within that time. However, it is now XXXX XXXX, 2015 and six weeks from XXXX XXXX would be XXXX XXXX. Further, I spoke to a customer service representative on XXXX XXXX, 2015 and was told that the refund was issued on XXXX XXXX, 2015 to the card that the original payment was made to Midland Credit. However, this card has since been closed and no further information from Midland has been provided. In addition, the customer service representative hung up on me after placing me on hold.
This is the second complaint I have initiated through the CFPB and the first was successful in that Midland Credit Management finally issued a refund check for the full amount that was paid to stop any further collection activity for a credit card that was deemed opened fraudulently by XXXX XXXX XXXX. However, my correspondences to Midland Credit Management alone could were only ignored.
|
| 09/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
This company is attempting to collect on an item that belongs to XXXX. I reached out to XXXX but privacy laws and statutes of limitations hinder me from receiving any information on this matter making this unverifyable ... this company is very aggresive in there collection efforts and i need confirmation and validation from XXXX that this company is associated with them. Also i need a letter from them, or a copy of their license, saying that they are authorized to collect in Florida. We want all the statements of this account, not just the last XXXX or XXXX. We want original creditcard application showing date and my signature ( and not a print screen print out of there computer screen. They are showing theywant to collect {$4200.00}, and this item shows to have been for {$3100.00}. So you can see why its important we receive all statements to completely 100 % verify and validate the accuracy of this company and the item they are collecting. I am asking for a letter from XXXX and XXXX XXXX, on XXXX and XXXX XXXX letterhead, that this company is collecting on an item that shows as belonging to XXXX, and the letter shall have XXXX and XXXX XXXX contact information and my account information on it as well, so i may confirm its authenticity. I dont want a " print screen '' print out of there computer screen. I want them to stop all collection efforts either by mail, phone or litigation, and to remove there item from my consumer credit reports.
|
| 11/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Allow me to start with the fact that the financial institutions involved refuse to communicate in a legal way through email. They record all yet that is one sided. I tire of having to screen shot all, and stopped all phone conversations as they did not do as they said. From a legal standpoint, I will not communicate with them in any way other than email.
This complaint relates to my XXXX XXXX credit card of thirty years, and is directed at : XXXX XXXX XXXX , the original account provider.
XXXX XXXX , the purchaser of said account.
-Midland Credit , who currently dispute my payment.
In XXXX of 2022 I made two separate payments of {$5000.00} to my credit card from two separate banks. Those banks were ; XXXX XXXX and XXXX XXXX. The payment from the former was credited to my account but the XXXX XXXX payment vanished, never showing on my payments. I submitted not only bank statements from the two banks from which the electronic payments were made, I also included a letter from XXXX XXXX that specifically delineates all details of the missing payment.
For over a year I have been contesting this and hitting a brick wall. Someone stole my {$5000.00} and now my credit rating and good name and neither the finanbcial institutions nor the CFPB have been of any use.
This debt was paid on time in 2022 and I will NEVER pay it twice! After 30 years of no problems with the same credit card, I never imagined that something like this could happen.
|
| 09/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On or around XXXX XXXX 2020, I received a letter from Midland Credit Management about a supposed debt I owed. I was told to send a written dispute certified mail which I did on or about XXXX/XXXX/2020. I heard nothing since, except the signed receipt from the certified mail that is was received by Midland Credit Management. Then today I received received a dunning notice offering a 10 % settlement. I called company. I asked for debt validation. they would not give me a straight answer and avoided question and just said you have to call this department. Then the individual on phone named XXXX XXXX called me a thief. She said and I quote " if you went into XXXX would you just walk out with a color TV without paying? '' I couldn't believe my ears. I feel like she was a calling me a thief. She said there must be a reason you feel that way. Then she said it is not up to us to prove the debt valid it is up to you to prove you don't owe the debt. Wow then another collector jumped on call interrupted me and hung up. I am asking for proper verification of the debt if that can not be provided then i feel this debt should be zeroed out since it is obviously fraudulent in some way. I also think any negative information on my XXXX should be removed as well. Please help me i am alarmed that a company can do this. My credit is important and needs to be protected from preditory companies like this. Especially when located in XXXX a hot bed for Fraud,.
|
| 10/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX SUED ME ON THE BEGINING OF 2017 with the NJ SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX ( Original Creditor ) sold to Midland.funding ( XXXX XXXX XXXX attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the midland funding not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in NY and they filed a lawsuit in NJ where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the XXXX rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. XXXX XXXX XXXX illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX XXXX making me judgment proof status. Until today 's date we do n't have real documentation that midland funding is the new creditor and XXXX XXXX XXXX did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.
|
| 01/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over XXXX years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXXXXXX Dear Creditor : XXXXThe account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt.
2. A copy of the contract and/or document evidence of debt agreement.
3. A copy of ALL original debt documents with indicated social security number used to open account.
I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX onXXXX due to fraud on Report No. XXXX XXXX and XXXX deleted the item from my credit report after its investigation.
The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself.
I request that documentation as requested be sent to the address below. I also I request that all Midland debt entries be removed from my XXXX, XXXX, and XXXX credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit XXXX Agencies Act .
XXXX cc : XXXX, XXXX, XXXX
|
| 12/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company XXXX, XXXX XXXX was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, Midland was included on the bankruptcy petition, and notified. XXXX XXXX XXXX was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt and what do I do? The clerks office told me to contact XXXX XXXX XXXX XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ XXXX XXXX XXXX. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
|
| 05/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Midland Funding explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a 53 page medical report documenting my XXXX test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
|
| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been receiving these types of letters since last of XX/XX/XXXX. I have spoken to a XXXX of representatives on your end in regards to this. The XXXX of times that I have called all representatives were unable to provide detail information as to why there is a " charge-off balance '' from XXXX? I am and have been a current provider with XXXX and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when XXXX is my provider and have never had a problem with my bill and it being paid on time every month.
My thoughts, concerns and question is WHY after 4 years ( charge off last payment XX/XX/XXXX which is nto true I can show I pay my monthly bill ) was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me XXXX who is and has been my provider sent this off?
If MCM and nobody in the business end can provide me with any of the following information to explain to me who, what, when, and why this has happened, I wish MCM make no more contact or communication with me and wish to please be forgiven of the mysterious " charge-off '' I owe in the amount of {$190.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this debt going on for 4 years is now unacceptable with no resolution.
|
| 10/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT is a debt buyer and needs written permission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( Midland Credit Management falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
|
| 02/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
No matter how many times I dispute with Midland Funding LLC, they always claim that they don't know what I am disputing This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is inaccurately reporting on my credit files. I have no knowledge of the accounts that they are reporting. The accounts listed as Midland funding { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } The accounts listed on my credit file are not my accounts. Midland Funding LLC are in violation of the FCRA. I did NOT give Midland Funding LLC any authorization to access or report on my credit file. Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file. Midland Funding LLC ignores the FCRA, XXXX and the XXXX compliance and has not provided me with any of the information I have asked for regarding these accounts. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that don't belong to me. I have no obligations or signed contracts with Midland Funding LLC. I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!
|
| 02/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe.
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections.
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement.
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.
|
| 06/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )
|
| 08/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, I entered into an agreement with Midland Credit to repay I debt. The agreement was to settle the account for a percentage of the total balance. I paid the agreed upon balance in full. I even setup for automatic payments so they could take money from my account monthly.
After the agreed upon amount was paid in full the company then requested that I pay balance of the original sum. When I called and told them a mistake was made because I paid the agreed upon balance in full they stated that I defaulted the agreement by missing a payment so that it terminated agreement and now the entire balance was due. Few things wrong here.
1. They stated I defaulted which terminated the agreement but they continued to take schedule payments from my account monthly as if the agreement was still in place.
2. They do not provide a definition of default when I asked them to define it they stated that missing 1 payment was defaulting. This was not made know when making the agreement.
3. I setup for automatic payments to be taken directly from my account. I always have money in my account and for some strange reason there isn't money in my account, I have over draft so my bank would still make payment. My bank statement does not show any attempt by this company to take the scheduled payment.
4. This company have made threats via US mail to take legal action if I do not pay the debt. And have made false reports to debt credit companies.
5.
|
| 10/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
1st issue my original creditor is XXXX XXXX XXXX. They sold the debt to Midland Funding. Midland uses XXXX XXXX XXXX to pay debts. I paid a settlement offer of {$510.00} to XXXX XXXX XXXX XXXX. They told me after 30 days the debt would be updated to the credit bureaus as XXXX balance account settled. After over 50 days they still have n't removed by balance or updated my paid amount.I have disputed it several times with the credit bureaus and each time Midland Funding denies payment. I spoke with Midland Funding XX/XX/2016 and they said the payment has n't cleared so they will report it in an additional 4-6 weeks. I explained to them the agreement made with XXXX XXXX on their behalf. The employee then said she would attempt to expedite the process. On today I spoke with Midland Funding. They are now saying payment was received XX/XX/2016, but it will take another 30-45 days for the credit bureaus to be updated. I then told them they have repeatedly broke the agreement made and I will report them to the Federal Trade Commission.The employee then said they will expedite my claim and the credit bureaus will be notified of the settled amount in 3-5 days. My other complaint is this debt is being reported twice on my credit report. The original creditor XXXX XXXX shows a charge off XXXX balance, and then Midland Funding is reporting that I owe {$680.00}. So this is leaving me with XXXX derogatories on my credit report for the same debt.
|
| 01/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
This is a paid debt that we are trying to get the collection agency to send the documentation to the court.
My wife has been transferred XXXX miles from our home. We are trying to purchase a house. We are unable to do that because the bank needs the court documentation that the judgment is satisfied. Our debt was paid in full on XXXX/XXXX/XXXX yet, their records claim XXXX/XXXX/XXXX. I have contacted the office as to the procedure followed in providing the court with the information that the debt has been paid. There is no procedure, which is surprising as your website indicates : " XXXX XXXX XXXX XXXX, XXXX. began XX/XX/XXXX. Since that time, the firm has become one of the debt collection industry 's leading law firms. Known for successful recovery rates achieved while maintaining the highest standards of professionalism, compliance and training, our firm offers premier levels of service and excellence. '' I should think that the highest " standard of professionalism '' would include a process for timely notification of debt repayment. It does not. On XXXX/XXXX/XXXX, my representative from XXXX XXXX contacted their office and the representative was again unable to provide any assistance with regard to notification to the court. I have explained my situation, I have sent them a letter indicating my next steps to file complaints with consumer protection.
While it may not help to resolve my issue, perhaps it will benefit others.
|
| 10/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting calls from MCM ( Midland Credit Management ) and sometimes calling themselves XXXX. I believe these are related companies.
I only returned to the XXXX in XXXX 2015 after living XXXX for over 20 years, and have no outstanding debt overseas ; in the XXXX, I have XXXX long term loan ( a car partially financed through XXXX ) and a couple of credit cards ( all of which are known and show up on my credit reports ). I have no other debt - no mortgage since we bought our house for cash, no student loans, or any other type of loan at all.
MCM refuses to give me the last for digits of the SSN of the person they are calling. Further, they have said that they will take my number off the call list, but this clearly DOES NOT happen.
I have told them - each time - that they are calling the wrong person, that I have no outstanding debt, and that they do not show up on my XXXX or XXXX Credit Reports.
They continue to call, looking for a person with my name - and I admit it is a fairly common XXXX - but it is not me. My XXXX reports appear to be accurate ( there are no outstanding debt or unresolved credit issues ) but their continued calls are hugely annoying and verge on harassment.
Finally, I tried to call the number on their website to speak to a CS representative, but they would not pick up.
MCM/XXXX need to cease and desist this harassment immediately, but they do not appear interested in getting the facts straight.
|
| 01/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
My wife handled all of our bill paying up until she XXXX last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), Midland Credit Management XXXX XXXX Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
|
| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 Midland Credit Management was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( Midland account # XXXX ) The original creditor XXXX XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Midland Credit Management as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Midland Credit Mangement to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXXXXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Midland Credit Management. I did not consent to any sale of any information between Midland Credit Management and XXXX XXXXXXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to MIdland Credit Management I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Midland Credit Management threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Midland Credit Mangement any monies realted to any alleged debt. I am now due monetary remedy for violations of my rights under FCRA.
|
| 02/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB ; XXXX ; MIDLAND CREDIT XXXX ; I'm a little concerned that no one is trying to resolve this even after I've filed a police report. As I mentioned a XXXX of times to everyone, i have never opened any contractual obligations with either XXXX XXXX or Midland Credit Management group. Plus, why is my information being sold without my consent to different companies.- Isn't that breach of my consumer privacy? I've never signed any paperwork or acquired any services with either of those parties involved. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 06/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent XXXX XXXX certified letters on XX/XX/XXXX and XXXX asking for them to send me verification of this debt such as a contract I signed with XXXX XXXX or any other documentation bearing my signature, Showing that I owed any debt.They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill but did not bear my signature. Upon reviewing said documents I noticed they are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 3 ), Section 623-b ). The alleged account is unverifiable and the Statute of Limitations has expired. They have also Re-Aged the Debt and they are reporting it as an open account.It is damaging my credit report and credit score, and has been a principle reason I was denied credit due to this account reporting. I am considering legal action against XXXX XXXX on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of { {$1000.00} } in damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Violation of Corresponding State Laws
|
| 09/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I need your HELP : MIDLAND BROKE THE LAW! ! On XX/XX/XXXX I sent certified mail to MIDLAND CREDIT MANAGEM of tradeline XXXX of alleged debt XXXX due to their actions in violating my consumer rights and FDCPA Laws by parking the alleged debt on my consumer reports without proper notification and verification. The violations committed against me negatively affected my position to apply for a mortgage. Despite the FTC has already taken enforcement action against a debt collector parking debts on credit reports without notice to consumers, Midland has blatantly committed deceptive acts in passive credit reporting or parking instead of active collection efforts like phone calls and letters. Midland the collector furnishes negative information to the XXXX, XXXX, and XXXX without ever attempting to contact me about the alleged debt but only waited until I the consumer discovers the negative information upon my intent to apply for a mortgage. Midland also ignored the CFPBs new debt collection regulations, effective XX/XX/XXXX that requires notice to consumers about an alleged debt before the account can be reported to CRAs. Midland played delayed tactics in only sending me correspondence which I attached to with respect to legal threats and used another unknown address which is not my consumer reports- see exhibits attached. ( another violation ). To date, Midland has not yet acknowledged the communication of certified mail attached.
|
| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from midland credit. I tried to dispute the collection, because I had never heard of midland collections. Shortly after I received a court document from attorneys XXXXXXXX XXXX XXXXXXXX out of XXXX, MI. I contacted my lawyer who after speaking with XXXX XXXX XXXX reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys XXXX XXXX XXXXXXXX. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX report, but not the other 2 reporting agencies. I tried calling midland collections, and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The problem that Im having with XXXX XXXX XXXX is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds.
Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments.
I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.
|
| 09/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This company keeps harassing me. This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is Im accurately reporting on my credit file. I have no knowledge of the accounts that they are reporting.
The accounts listed as : Midland funding {$3200.00} Midland Funding LLC {$340.00} The accounts listed on my credit file are not my accounts.
Midland Funding LLC are in violation of the FCRA.
I did NOT give Midland Funding LLC any authorization to access or report on my credit file.
Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported.
I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file, they have not responded after my many attempts of reaching out to them.
Midland Funding LLC has threatened me with lawsuits and garnishing my wages but has mot provided me with any of the information I have asked for regarding these accounts. I work extremely hard for my money. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that dont belong to me.
I have no obligations or signed contracts with Midland Funding LLC.
I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!
|
| 10/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX at XXXX XXXX. I received a phone call from Midland Credit regarding an old debt from XXXX. I explained to the representative that I had recently lost my job due to the impact of COVID-19 and was unable to pay anything today, but would like a letter sent to my mailing address and I can look into the debt at that time. The representative became aggravated that I was unable to complete any sort of arrangement or payment today and began threatening me that they will take me to court and I could have my property seized, my checks garnished, and my bank account taken if I did not set something up. I actually believe that this debt may be beyond the statue of limitations, or very close to it since it was from so long ago. I asked the representative to give me the last day that I made a payment and he stated XXXX, but I dont remember making any sort of payment at that time. I asked to speak with a manager, he stated that his manager was on another call and unable to speak with me. He continued asking what he said that made me upset, and I repeatedly told him that I no longer want to speak with him and would like to speak with a manager instead. After telling me that any manager was not available, he declined to have a manager give me a call back and proceeded to tell me that he is putting in a recommendation to have me taken me court for not making any sort of payment or arrangement with him and ended the phone call.
|
| 03/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent certified mail on XX/XX/XXXX asking this company for debt verification I asked for the amount that they purchased this debt for I asked for original loan document and proof that this debt belongs to me. The company never responded to my certified mail. And I have proof it was delivered. So I contacted them on XX/XX/XXXX and with a unsuccessful attempt the representative was so rude I instead of supplying me with the information I requested he interstates me with a hundred questions about the account he never provided me with any proof so he hung up on me.. I then call back about a week later and spoke with another representative and now Im being told because the previous representative put notes on the account that I was being represented by a attorney they cant provide any information.. I explained to that representative that I am not in any way being represented by a attorney and that the other representative was not being truthful when putting in those comments.. The company then said send us letter stating you are not being represented by a attorney via fax or mail and then we can talk to you.. well I have since done both and this company just continues to give me the run around and not providing me with the information that I am entitled to since this account is reflected on my credit report and I have made several attempts to contact them Ive been dealing with this since XX/XX/XXXX and still no resolution.
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was reviewing my XXXX credit report. I have a credit card debt and midland funding/midland management credit bought the debt. This debt is more than seven years old. I spoke to someone two weeks ago and was told I owe {$2200.00}. But on my credit report it states I owe {$1700.00} when I disputed the debt with XXXX the debt was raised to {$1800.00} on my credit report within two weeks. I requested an itemized bill for the debt. I spoke to XXXX XXXX he refused to send me an itemized bill. I requested this two weeks ago and was told they will send one out. I believe they are fraudulent because they have an XXXX accent but giving me American names? XXXX XXXX also stated the debt was opened sometime XX/XX/XXXX. This debt is over 7 years older which should be removed from my credit report but XXXX XXXX told it will stay on my credit report and interest will continue to accumulate? XXXX XXXX lied and told me a judgement was filed against me in XXXX but I never received any paperwork or there is nothing on my credit report indicating a judgement. I called XXXX courts they stated there is no or never was judgement against me in XX/XX/XXXX. So XXXX XXXX proceeded to tell me the judge charging for paperwork which is an additional {$500.00}. I requested all information XXXX XXXX refused to mail anything out because I refuse to agree to the balance. By law after 7 years this should have been removed along with the derogatory remark.
|
| 03/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Good Day This is a formal complaint against XXXX XXXX. On XX/XX/XXXX a certified letter with return receipt was sent to the company requesting validation of debt they stated I owed. I have no recollection or knowledge of the debt in question so I wanted and requested that the provide me with any documentation referenced to the account Midland stated I owed. On XX/XX/XXXX, a letter from Midland was sent to my address stating that they opened an investigation regarding my dispute. The letter also stated that in the meantime they would not be contacting me by mail or phone unless to respond to the dispute requested by me. The letter was signed by the Consumer Support Services Manager, XXXX XXXX. The letter also stated that the law limits state how long I can be sued on a debt, and because the debt was beyond the statues of limitations for the State of Md. However, they would continue to report the debt as unpaid.
First, they need to provide documentation that the debt does not belong to me. A letter stating how they are going to respond to letter does not show any proof that I owe this debt. I am simply requiring XXXX XXXX to provide the documentation. I have also disputed this account also with the CRA 's for verification ( XXXX, XXXX, and XXXX ) prior to requesting validation with the collection agency Midland. So the letter sent to them was my second attempt to resolve the situation with Midland.
Sincerely, Consumer
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not have a contract with this Midland. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
|
| 07/02/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have never had an account with this company and filed a dispute with all credit agencies requesting it be removed. A Cease and Desist Letter was sent on XXXX/XXXX/XXXX as it appears to be a former account but is well over the principle amount owed.
My credit reports note the debt is disputed and I have not been informed of the terms associated with this debt.
On XXXX/XXXX/XXXX, The Consumer Financial Protection Bureau issued an enforcement order against Encore Capital Group , Inc. headquartered in XXXX XXXX, Calif. And its subsidiaries, Midland Funding LLC , Midland Credit Management , and Asset Acceptance Capital Corp.The XXXX can be found at the following link : : XXXX In XX/XX/XXXX, I had been cleared for bankruptcy after employment loss and medical issues and due to possible identity theft and issues with my bank account, I was forced to delay filing.
I informed all of creditors of my employment loss and that I was not refusing to pay any valid debts. I regret not being able to pay the original creditor and settled with those in which I was financially able to pay. I have reconsidered filing for Chapter XXXX and will file within the next 6 months.
I have consulted an attorney concerning a possible lawsuit in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my current financial situation and I find it especially distasteful to hit people when they are most vulnerable.
|
| 03/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account with XXXX that was opened in XX/XX/XXXX. The account was sent to Midland Credit Management in XX/XX/XXXX for collection. They continue to report my status as a charge off even though it was paid. In XX/XX/XXXX I had lost the information for MCM after making payment arrangements. I called XXXX to get their information and was told I could make payment through them, so even after selling the account off, they illegally took a payment from me in XXXX XXXX, thus allowing them to re-date the account on my credit report. XXXX also shows the date of 1st delinquency as XX/XX/XXXX, however, supplies no data for any month from XXXX XXXX through XXXX XXXX, other than the months in collection. Midland is reporting they received the account in XX/XX/XXXX, though XXXX shows them sending it to collections XX/XX/XXXX, thus allowing Midland to improperly report the information and further affect my credit longer. Midland also reports the account as " Paid account/was a collection account, insurance claim or government claim or was terminated for default '' in an attempt to make a lump sum status even though each of these items carry a different rating with lenders thus affecting approvals differently and they also look for liens/judgements when a debt is tied to insurance/government claims thought that is not the case. Both of these companies are unfairly trying to prolong their negative reporting has on me as a consumer.
|
| 11/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Around the end of XXXX XXXXXXXX of XXXX, I contacted XXXX XXXX XXXX XXXX for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to XXXX XXXX and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' XXXXXXXX XXXX states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.
|
| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
To whom it may concern, I, XXXX XXXX, demands arbitration with Midland Credit Management according to the card holder agreement from XXXX XXXX XXXX and XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment.
If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information.
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account.
Case law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ).
Re : Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices.
I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX.
Regards, XXXX XXXX
|
| 09/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Sometime last week a representative from Midland Funding called me to set up a settlement amount from A Debt from XXXX XXXX bank that is not owed By me. His name is XXXX XXXX. He told me to pay the debt by XX/XX/XXXX and I do n't have to worry about it reporting to the credit bureaus and he would have the original XXXX ( XXXX XXXX Bank ) remove the account off my credit report. I then requested him to send me a letter stating that he would do that in writing before i make the payment. On XX/XX/XXXX I received a letter from Midland Funding about the settlement demand but it does n't indicate that the deragatory will be Removed. Today which is XX/XX/XXXX, I received an alert from experian indicating that I owe XXXX from XXXX XXXX bank as a Derogatory collection. This Collection agency not only made a false XXXX but they are reporting the same debt at the original XXXX ( XXXX Bank ) on my credit report which makes it a double Derogatory for the same thing. They did n't keep what was promised to me to make the payment before XX/XX/XXXX. They also informed me that it would not be Removed from my credit report once paid as XXXX of the other represenatives promised me. It is illegal to report inaccurate information on my credit report and treat me unfair like that. This is very damaging to me and my life, my family and is a XXXX of my character. This should n't be On my credit report and should be Removed and I request
|
| 02/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midland Funding , LLC has continually contacted me about a debt I know nothing about. I informed them when they contacted me via phone on XX/XX/XXXX that I had no knowledge of this debt. I had my identity stolen in XX/XX/XXXX, which this could be a result of, but I do not know. This company was hostile toward me when I simply asked them what this debt was for, where it was obtained, when the account was originally opened, and the original creditor. For this reason I sent a certified letter requesting proof of debt, amount, etc. They responded with a letter ( dated XX/XX/XXXX ) stating they were " investigating '' and would provide me a response when finished. As of XX/XX/XXXX I have not received a response, however Midland reported to the credit bureaus on XX/XX/XXXX " Account information disputed by consumer, meets FCRA requirements ''. This is not possible as they have not shown any proof that this debt was indeed incurred by me, or what this debt is for ( loan, credit card, product? ). Even if it was my debt the time allowed by law to report it to the credit bureaus has been exceeded. The letter Midland sent me shows that the debt was charged off from original creditor in XX/XX/XXXX. At the very bottom of the letter sent back to me they included " Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid. ''
|
| 01/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.
Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : MIDLAND FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is.
Thank You Sincerely yours,
|
| 11/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report.
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT!
I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.
Please immediately delete the following accounts immediately from my credit report!
MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$1500.00}
|
| 07/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company, just placed a collection account on my credit report for {$1600.00}, on XX/XX/XXXX, so I called company got into heated argument with agent because I said this company never mailed out any information about this debt account so I can properly dispute these charges? And I asked for the original credit collector, she stated you know who they are? Excuse me I said can you mail me out a copy she stated yes? and still haven't received a thing from this company, in writing. but every other day reporting the balance is going up by XXXX to all credit bureaus.also the original credit collector is XXXX XXXX and it was fraudulent charges made on the account resulted in them closing the account..then almost a year later this company picks it up trying to collect the debt. Let agent know at midland Credit management. That the original debt collector XXXX XXXX failed to mention this account had fraudulent charges and was closed out. She insisted it wasn't true, and proceeded to tell me I'm responsible and need to pay. This company dates don't line up with when the original account was open. The original account was open in XXXX XXXX.this company stated this account was opened XX/XX/2020. Making it only open for 10 months on there end. They have balance as XXXX the original card balance was {$1500.00} and closed at {$0.00} balance owed.this agency is flagging my accounts every other day. On all credit bureaus.
|
| 04/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midland Credit Management continues to contact my place of business after being asked to remove our number from their call lists. They are continuing to call ( latest call was today XXXX/XXXX/XX/XX/XXXX ) after this issue I had with them last year- see below. I expect them to follow directions and REMOVE our business numbers from thier call list.
XXXX, XXXX, and XXXX.
I do not have an account number, no one here has any accounts owed to this collector. No one they are looking for works here. Also, per the Fair Debt Collection Practices Act, a debt collector CAN NOT continue to call a business that has asked them not to call.
Spoke with XXXX XXXX on XXXX/XXXX/XX/XX/XXXX, he said our number was associated with XXXX different people : XXXX XXXX, XXXX XXXX and XXXX XXXX, none of which are at our number. Said it would be 24 hrs to be removed. However we still received calls so I sent a cease & desist letter drafted by an attorney 's office which they signed for on XXXX/XXXXXX/XX/XXXX. Now a month later & they still continue to call. I spoke with a XXXX XXXX on XXXX/XXXX/XX/XX/XXXX who asked again for XXXX XXXX, I told her to remove our number & do not call again. I do not understand why I am continuing to be harrassed by this company & our business interupted when there is no one here who owes them any money, and they have repeatedly been told this is a business & not to call.
Please fine this company heavily!
|
| 09/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
MidLand Credit Management has been repeatedly sending letters to my home for at least a year now, and has been calling me as well.
The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a student who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day.
Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are.
Midland Credit Management has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
|
| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to Midland Funding for {$9000.00}. Upon closer examination of the account, it said Midland was collecting a XXXX XXXX Credit Card balance for the aforementioned amount. I have never had a XXXX XXXX Credit Card.
I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a XXXX XXXX Credit Card. Today I attempt to call Midland Funding directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a XXXX XXXX, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.
|
| 06/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
The company Midland funding has filed a lawsuit against me, after that the original creditor XXXX XXXX has investigated this identity theft and dismissed all debt, The collection company was contacted by XXXX XXXX and informed to cease-and-desist, The bad debt was bought back from Midland funding by XXXX XXXX, yet Midland funding is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to Midland funding 's attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with XXXX XXXX the original creditor and they are going to resend all their letters to Midland funding. Not only am I being sued for debt that I do not own and that debt that Midland funding does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with XXXX XXXX 's account numbers and Midland funding 's account numbers on the same letterhead from Midland funding I have also brought this to light and that this was dismissed By letter from XXXX XXXX. Please any help with this would be appreciated.
|
| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
earlier this year I was impacted by COVID. I paid and settled one account with Midland credit, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a scholarship I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.
|
| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified that I had an account from XXXX on my credit report in XXXX. I had no idea that this account was opened in my name. Not only was is in my name but it was also in collections due to lack of payment. The last payment that was made on this account was in XXXX. I contacted the credit card company who's name is XXXX XXXX and they had no information in their system on me. They said the account was sold XXXX times and the final holder is Midland funding llc. I contacted Midland Funding and asked them for more information on this account and to please verify it by sending me a copy of the contract that I signed. The only thing that they sent was a copy of a bill coming from their company. The fee has now dropped by XXXX dollar. The amount they say I owe was {$810.00} which is now {$810.00}. I have attempted on numerous occasions to get a copy of the contract with my Identification in the form of a License and or identification card to validate their claim, they have not been willing to do so. Its been more than two months since my last correspondence with them. The young lady who's number I was told to contact is from an lawyers office XXXX XXXX XXXXXXXX is very rude and unprofessional. The only thing I kept telling her is that the bill is not mine and I need proof, she could'nt supply it. I am not willing to pay this bill or late charges due to me not be the one who opened this account. Please help
|
| 08/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/XXXX at XXXX XXXX my daughter informed me that some one had come to the apartment unit ring the door bell pounding on the door and saying he was the XXXX County Sheriff and had papers for me, and on XX/XX/XXXX again this time much more aggressive this person I was told by my neighbors about XXXX XXXX everyone in the building door bell was ranged disrupting there life, I was told this person was literally banging on the door with a great amount of force, they thought it was some type of altercation or something this went on for serveral minutes disturbing the peace, one neighbor informed they had called managment to see what should be done. Also I was told by my neighbors this is not the first or second time they have come the this building with this inappropriate behavior banging on doors and ring others bells, I feel this is an form of harassment for a credit card debt of {$2400.00} I do n't even know what credit card it is, can you please please help me with this issue, I did go to the local XXXX county sheriff office, I was told it was not from there office, also I was told, whom ever it is posing like XXXX county sheriff deputy and flashing a gold badge dressed in all black clothing saying sheriff office they need to gain entry to the building, if this is not a criminal matter involving the real XXXX county sheriff office coming to my family home involving all the neighbors this is harassment.
|
| 08/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CFPB + Midland Credit Management + XXXX XXXX, On a recent review of my credit report, I discovered MIDLAND CREDIT MANAGEMENT reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Attached to this complaint are : - My drivers license - My social security number - My address - My letter
|
| 12/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Verification of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This letter is sent in response to letter I received on XX/XX/2021. I am requesting that you provide verification of this debt.
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt.
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
4. Please also note whether this debt is within the statute of limitations and how that was determined.
5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Respectfully, XXXX XXXX
|
| 03/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
I originally received a credit card from an XXXX store, which issued me a XXXX credit card. I used it from XXXX-XXXX. I stopped making payments in the Summer of XXXX. I was out of the military in XXXX, and using my GI Bill during this time as my only income.
XXXX which is based in XXXX, has a head office in Delaware. The statue of limitations for this type of situation, is typically two years. The debt has been sold to a company called Midland Funding, which has especially in the years immediately after payments stopped, contacted me several times through phone calls, voicemails, and letters.
I do not believe they have the authority to collect this debt, and never did as it was outside of the statue of limitations from the time I first received a letter. Yet, they still send me letters offering settlements, or otherwise listing negative consequences if I do not pay the debt. I also have veteran XXXX benefits coming into my checking account, so they could not garnish from it. There is a link on the CFPB website which also mentions this ( https : //www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-garnish-my-federal-benefits-en-1441/ ). I will include other attachments as well to illustrate my issue. Based on the research I have done, I do not believe this debt is within the law to enforce, and Midland funding is attempting to illegally intimidate me into paying, many years after it was enforceable.
|
| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My name is XXXX XXXX. the last four of my synchrony acct was XXXX my address is XXXX XXXX XXXX. XXXX , Ms. last four of my social is XXXX. I received a phone call regarding my debt with synchrony bank for {$690.00} between XXXX and XX/XX/XXXX regarding full payment on my account that was closed on XX/XX/XXXXXXXX i informed them then that i could not pay the account in full. even tho they said i had to make the full payment instead of paying on the account i still sent a payment during XX/XX/XXXX.. I heard nothing else from the collector at that time even after i sent payment on account. XX/XX/XXXX i received another call from debt collector regarding amount for XXXX.. i was informed that they could not take partial payments and needed account paid in full. Amount has already been put on my credit report after debt was sold, meaning the debt was wrote off on taxes of original creditor. Company that purchased debt wants to sue me for amount after they rejected my offer to make payments.. since debt was wrote off i assumed contract was cancelled in XX/XX/XXXX. I'm willing to pay on account. i also feel that they should accept payments instead of requiring full payments. if they review my credit report they wld see that majority of my payments on accts are made.. i got behind with original acct due to losing a job. the company name is XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ms XXXX.
|
| 11/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a phone call while I was trying to console my XXXX child from a blocked phone number. The blocked phone number has called me twice at this point and so the third time I answered. It was a collection agent from XXXX XXXX XXXX. I told him it wasn't a good time because I was with my daughter and she was more important at the time but he could call me back the following week day when it was more appropriate. He would not let me off the phone for over 20 minutes. I eventually had to hang up on him. He called back the day I suggested at a time I told him I was not going to be available to go back and forth with him, but he tried to bait me again. I asked him to send me validation of the debt and he flat out refused. I hung up because he was trying to make me mad and kept telling me how my credit could be affected and that they didn't have it on my credit " yet! '' Today, I received another call from him ( " XXXX '' ) and this time he wasted no time to get me over to his " supervisor '' and then his " supervisor '' proceeds to tell me that if I don't pay that they would send my information " to a local lawyer to sue '' me! Now, I know some things and I know that is illegal. I understand that they have to make money, but to threaten people is unacceptable. To deny to provide proof of the debt has to be illegal as well. I haven't received the validation as requested and they refused to send it as well.
|
| 02/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have recently been made aware that a judgment was posted against me in 2013. I can only state on record that this collection agency and debt buyer never served me personally as to a pending lawsuit that I could have easily challenged. What I believe happened, it that this company mailed a copy of a complaint to my former address in XXXX New York State, submitted false service affidavits, and then filed a default judgment against me in the proper jurisdiction, as in this case XXXX New York. The facts show that this illegal collection practice is a scam : The judgment company has a collection division that states that they are still collecting on behalf of the original creditor. However, the judgment shows that the judgment is owned by the debt buyer. It is in essence a double hit to me on credit, whereas I now have a judgment on XXXX end, and a completely different company on collection, this does not take into consideration the original creditor on my credit reports. The collection process is broken, already confirmed by the Federal Trade Commission.
I now have XXXX different fights to deal with all because my rights under New York legal practices were violated, and my rights under the Fair Debt Collection Practices Act were also violated. I demand a full accounting of disclosed documents pertaining to the illegal judgment posted against me.
I demand this company vacate of the existing judgment XXXX.
|
| 02/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Midland Funding LLC XXXX XXXX XXXX XXXX Bank, by their attorneys, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY, sued me in District Court, but never served me with the court paperwork. I later found out that they were reporting a default judgment on my credit report. I never even knew they obtained any judgment against me. I was never provided with notice or given an opportunity to defend myself against this case. I was able to get a copy of the Affidavit of Service from the court, and the information in the Affidavit of Service claims that a person was served at my residence, but it was not me. In addition, the purported person does not even exist. Nobody at my residence fits the description of the person allegedly given the paperwork. Also, the affidavit says that the summons and complaint were mailed to me. This is also not true. Nobody in my household was ever served with the court papers, and the court papers were never mailed to me. In addition, I did not get a copy of the motion papers seeking the default. Nor, did I receive a copy of the judgment. I only found out about this because of they had reported the default judgment to the credit reporting agencies and now there is a serious blemish on my credit report, which is entirely fraudulent. The process serving agency listed on the Affidavit of Service is XXXX XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX XXXX, NY XXXX.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have mailed Midland Funding LLC with XXXX separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, but they are not giving any information on how it is verified. I also sent them letters, XXXX on XX/XX/XXXX and XX/XX/XXXX requesting for them to remove this debt off all XXXX of my CRA. I have never received any correspondence back from XX/XX/XXXX & I still have not heard or receive my green card receipt from that company. I am requesting for Midland Funding to remove this off my credit report due to CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.
They have on my credit report that they are an attorney and a collection agency and have tried to take me to court in XXXX. Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.
|
| 05/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Ive sent several certified letters to Midland Credit with no return assistance from them. They are showing to have on my Credit Profile 4 accounts in which I have no knowledge of. I have never signed and agreement with Midland Credit nor do I owe Midland Credit anything. I send them a very detailed " Certified '' letter asking for the following infomation- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
and I have not seen anything to date. I know we are to give 30 to 45 days but this has been going on for about a year and half and I have yet to receive any correspondence from them. This is not fair for me nor any other consumer finding themselves in this situation with Midland Credit.
|
| 04/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
Midland Funding LLC filed a suit against me in XX/XX/XXXX. They claimed that I owe roughly {$1200.00} in a debt collection effort dating back to XX/XX/XXXX. They filed the suit in XXXX XXXX XXXX, Indiana, a county where I do not live. I have never lived at the address claimed in the suit and do not even know where they obtained that. All documents/subpoenas were mailed to address of where I do not live so I was levied a default judgement in XX/XX/XXXX. The only document I have ever received was in XX/XX/XXXX, and it was a motion for change of lead counsel. So following 1 year and 8 months this was the only attempted communication concerning a lawsuit.
I live in Colorado and even their own evidence submitted to Indiana Courts contained my current address in Colorado. Midland Funding and their attorneys had my address readily available but still chose file a suit in a state of which I do not live and sent documents to an address I have never resided in. I believe they attempted unfair practices to collect a debt by knowingly filing a suit in a state I do not live and where the debt did not occur so they could obtain a default judgement and hope that I would not fight it. As shown by federal case XXXX XXXX AL. V. MIDLAND FUNDING, XXXX ET AL. CONSUMER ACTION, this is a common tactic done by Midland funding and the fine levied in the lawsuit against Midland Funding did not deter these kind of tactics.
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
This year i disputed with CFPB XXXX debt that Midland Credit bought from XXXX XXXX and did not have any signed documents with me showing i owned the debt. It was removed from my credit file by Midland Credit. They have been calling my phone harassing and calling from goole number of all types of area codes. They are located in California and i did not acquire any debt in that state. They have hired a law firm in XXXX florida to fie a lawsuit in the state i live trying to sue me for XXXX because i ask them to proof 2 other debts they bought. This is an uneccessay filing and another form of harrassment and tactic to me as a consumer who has been out off work due to the pandemic and i have underlying medical conditions, which i wrote an explain to all the creditor i had signed contracts with. I am being targeted and harrassed by the company that i do not even reside in the state with calls and tactics, but they failed to provided anything in writing i have with them.This debt has been disputed and they still showed no proof this is my debt with CFPB. I want the CASE they had filed in my state drop and cancelled or dismissed. I will also be notifying the state of florida attorney general on monday. i have obtained a lawyer to counter sue if they fail to drop this case and or have it dismiss and leave me alone. case filed XX/XX/2021 Civil case # XXXX XXXX County and they reside in XXXX XXXX California.
|
| 09/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from Midland Credit planning on law suit for the credit debt from XXXX-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions.
XXXX 's the well-known XXXX has a credit line opened with XXXX XXXX which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to XXXX and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter.
Not to mention being blocked from my own information, XXXX XXXX didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from Midland Credit. As per the information provided by XXXX, the Midland Credit took over the debt on XXXX of this year which is still during the pandemic.
|
| 08/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a notice that my wages were going to be garnished ( from my employer who was served at his residential home! ) I called a credit counselor immediately after learning of the garnishment ( I had no idea where to start ). I was told only thing I could do was try to work out a payment plan. I called the office suing me.. I was told the garnishment had already gone through and there was nothing I could do ( they would garnish 25 % of my wages and thats that ). I explained this was the first time I was hearing about it and that I hadnt even lived in the state for the last few years and hadnt lived at that address for a lot longer.. they refused to work with me. So I reached out to the creditor, let them know I didnt recognize the debt, hadnt received paperwork, and was able to sign on to an account that had actual papers I could see pertaining to the account! Thats when I got really mad!! I have no recollection of the debt, the charges, and I feel like the creditor shouldve never opened this card because it wasnt me! There are charges from out of state that make no sense ( impossible for me to have purchased! ) Due to not knowing about this at all, I never had a chance to fight this! And they are already garnishing my wages.. I thought I had no other course of action but to let it happen. I am putting in a complaint here, I dont want this to happen to someone else because I didnt say anything.
|
| 02/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, I received a call from someone at the number ( XXXX ) XXXX asking for XXXX XXXX, which is a short version of my full name. When I said I was XXXX XXXX I was transferred to someone identifying himself as XXXX XXXX from Midland XXXX in XXXX XXXX, CA. When I asked the purpose of the he said he it was regarding a debt I owed in the amount of {$46000.00} for a credit card.
I have never had unpaid debt and have a perfect credit history. When I asked how they had linked me to that debt they were seeking to collect XXXX wouldn't answer. I asked if they had simply called me based on my name matching the name of someone they couldn't find otherwise. I specifically asked if Midland had simply matched my name and found my phone number, which was clearly the case in this instance. He responded the contact information came from another department. I asked him to conference in someone from the " other department '' to obtain that information which he refused to do.
I explained to him that it was illegal for his company to simply randomly call individuals on the " do not call list '' on the basis of a matching name with no other corroborating information. I told XXXX I would report him and his firm to the CFPB unless he explained how Midland obtained my phone number. He then hung up.
I'd be interested in initiating a class action lawsuit against Midland if others have had a similar experience.
|
| 10/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX Midland Credit Management Acct # XXXX Midland Credit Management Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX. XXXX XXXX illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXXXXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
|
| 04/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Filed Dispute in XX/XX/2021 for account with Midland Credit XXXX. Never heard back from them until XXXX XXXX with a debt verification letter. Multiple calls since XXXX XXXX in an attempt to settle account and have it removed from my credit report. Midland refused to settle. I have called multiple times on XXXX XXXX to settle debt and speak with a division manager in which I was given false names and transferred many times to departments in which Customer Support XXXX XXXX XXXX XXXX were unable to find my account based off both accounts numbers given to me in the debt verification letter. MCM # XXXX and the XXXX XXXX # XXXX. Furthermore, upon settling debt Midland refuses to remove collect from my report until XXXX XXXX in which they state their policy is to not remove collections before it has been in the report for two years. There are many long pauses and everyone is giving varying/faulty information. After each phone call Midland adds additional negative comments to my reports after each phone call. Also after speaking with them MANY times since XX/XX/2021, it was only today XXXX XXXX that they state possible legal action on my account. I never received a call or letter in the mail in regards to legal action. Further more they claim to have sent this legal letter in XX/XX/2021 but to my previous XXXX address. This seems weird to me as they sent the debt verification to my correct XXXX address.
|
| 07/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted Midland Funding several times and they confirmed that this account was opened with an alias, not my name but refused to furnish me with the requested information from the original creditor so I can find out how this account was opened. I have disputed with the credit bureaus which state that Midland is verifying this debt but not supplying documentation for this " verification. '' I have requested several times : The identity of original creditor.
An ORIGINAL copy of the contract between the original creditor and myself ; with my signature.
The proper and legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ).
Proof that you are licensed to collect debts in insert name of your state ; A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown XXXX Proof that you the collection agency are in compliance within the statue of limitations for the state of Arizona.
Verification or copy of any judgment ( if applicable ).
This company as well as the credit bureaus have refused to supply me with this information and it has affected my credit and ability to obtain needed credit. This company also has obtained verification of identity theft from the credit bureau.
|
| 11/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2021 I was given a XXXX package that was delivered, no signature required. This notice was from the company who sent me a notice that clearly stated final notice, an assumption this company has sent letters previous times via, email, XXXX, XXXX or other carries. Please make note, I have only received this ONE notice and nothing more and ONLY because it was intercepted by the current residences of the address the XXXX packaged was addressed to. I was never afforded to option to dispute this account, and have it validated/verified. If I was contacted accordingly I would have had the option to dispute the account in question however now, I am being threatened with lawyers and lawsuits. I have sent this company a validation/verification letter and also, another letter stating I did not receive any initial correspondence that would indicate a new account was established with this company, I also asked for signature verification to prove I had indeed received any correspondence from this company or proof something was signed and delivered to me. For roughly a year I was living in XXXX XXXX and no mail would have been delivered to the address on the UPS package, something that was noted with anyone I was doing business with. I feel at this point, this company neglected to send proper notification to me and because of this, I was unable to dispute an account that was opened without my knowledge.
|
| 01/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 Midland Credit Management sent me a debt collection letter violating 6 federally protected consumer rights under 15 USC 1692.
1. Violation 15 USC 1692c ( a ) ( 1 ) - MCM has no consent orally or written to contact me. They have sent a letter to my home inconveniencing me and causing mental anguish.
2.Violation 15 USC 1692d ( 2 ) - The debt collector harassed me in the letter threatening to file a lawsuit against me for an alleged debt. Using obscene language by stating that I owe a debt.
3. Violation 15 USC 1692e ( 3 ) - Several times the debt collector has given the false representation that they are an attorney and that the communication is from an attorney. A company can not give power of attorney because the entity is not a natural person.
4.Violation 15 USC 1692e ( 5 ) - Threatening that they intend to file a lawsuit whenever they can not. Only a natural person can give power of attorney. They have no intent to sue me.
5. Violation 15 USC 1692j ( a ) - furnished a form causing false belief that the original creditor is involved in the debt collection. When in fact I am the original creditor.
6. Violation 1692e ( 2 ) ( a ) - supplied a false character amount of the alleged debt owed. Stated a positive balance instead of a negative balance. This is false representation. How could a consumer pay on a positive balance?
I have attached the documents I sent to the violator.
|
| 09/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 USC 1692 ( a ) ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that Midland Credit Management has violated 15 USC 1681 ( a ) ( 1 ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 3 ), 15 USC 1681 ( a ) ( 4 ). On XX/XX/2023 I sent Midland a letter to validate the debt they claim I owed. I have disputed the alleged debt multiple times and allowed Midland Credit Management appropriate time to show evidence of the alleged debt they claim I owe. They have disregarded these repeated requests and only sends a bank statement. They have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have suffered severe humiliation, embarrassment, emotional distress, and physical discomfort. I have been getting denied a car loan. Because of this I have missed multiple days of work due to no reliable transportation. Midland has violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.
|
| 03/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Beginning in XXXX of XXXX I reached out to Midland Credit to request information pertaining to a debt showing on my credit report that I did not recognize. I requested information and validation of the debt and did not receive any information or correspondents. I sent multiple letters and did not receive any of the requested information.
In XXXX of XXXX I started receiving court paper and learned that i was being sued for an account I had no knowledge of.
The Lawyer of XXXX XXXX provided me with a little information pertaining and advise me to speak with the lawyer that actually has my case as he was just feeling in.
I attempted to reach out to the lawyer with no success. I received documents on XX/XX/XXXX and immediately called the number listed as there were multiple discrepancies with the information listed. The number listed was for Midland credit directly instead of the lawyer. The midland rep stated that she would have the lawyer contact me after we both found some discrepancies as well as Midland shows all my letters that were set to them.
I have never applied for a credit card account with XXXX bank. The information they have including the credit cards and bill was sent to my old address on XXXX in XXXX in XXXX. I moved from that address in XXXX.
This debt does not belong to me and was opened without my knowledge and authorization.
Attached are additional documents for review
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Midland Funding, LLC, committed multiple violations in the collection of debts ; - I was sued by Midland Funding, LLC, without providing required Original Account Level Documentation ( OALD ), filing false affidavits, and without notification of the lawsuit. On XX/XX/XXXX, I was sued for the amount of {$4200.00} and on XX/XX/XXXX, for the amount of {$2300.00}. On XX/XX/XXXX, I then requested by Certified Mail that Midland Funding, LLC, provide me OALD to verify both debts which Midland Funding, LLC, failed to respond.
- Midland Funding, LLC, then attempted to seize my property on XX/XX/XXXX, by placing an order for garnishment of wages. On XX/XX/XXXX, and on XX/XX/XXXX, attempted to seize personal property by recording judgment liens.
- Midland Funding, LLC, on numerous occasions used communication tactics of verbally abusive phone calls, making false statements, misrepresentations of the amount owed, and threatening to take negative legal actions they had no right to take.
- Midland Funding, LLC, continues to falsely report to all three Credit Bureaus even after I made multiple disputes in writing that they refused to properly investigate. This has significantly damaged by Credit Score, resulting in me being denied on mortgage refinancing loan applications. Attempted to resolve matter over the phone where Employee demanded {$7200.00} be paid immediately or threatened further legal action.
|
| 11/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Over the last year I have received several letters threatening legal action in regards to a debt with XXXX XXXX. I paid off my debt with XXXX XXXX in XXXX of XXXX. I confirmed with midland credit that this was the correct account and explained that the debt was paid. I confirmed with XXXX XXXX that the debt had been paid and was told twice that they had no idea why the account would have been turned over to a collection agency. Midland credit claims that the account was sold to them in XXXX or XXXX of XXXX ( months after the account was paid in full ). When I received a " final notice '' on XX/XX/XXXX I contacted Midland credit again, explaining again that this account had been paid in full. The representative I spoke to was patronizing and I had to ask him multiple times for a mailing Address to send the company proof of payment. He repeatedly tried to change the subject, asking for payment and claiming that I would not have been able to contact XXXX XXXX. I contacted XXXX XXXX again and spoke to a representative there that again confirmed that my account had been paid in full and was in good standing. They also noted that they do not sell accounts to debt collectors as they have their own department to handle that and said they had " no idea '' who this collector was and warned me multiple times to not send them any information about my account or send any payments to the debt collector.
|
| 05/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
As per my conversation w/a representative from Midland Credit Management XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.
|
| 09/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent numerous requests to this company via certified mail and through the credit bureau requesting proper validation. Each time the company ignored my request and sent the same itemized bills. The have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company this company has been in many lawsuits and is in one as of today for taking away consumers rights.The court documents stated that midland claimed to have a copy of the " consumers who " owe '' them. I requested a copy of this agreement was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. They 're know to bully consumers all the time.They claimed that on XXXX XXXX,2014 they mailed me a validation letter. I will like to see where i signed for a certified letter from midland. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.They are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited toSection 623-b ) I have attached a copy of theFTC opinion letter, a copy of my letter and you can look at case numberXXXX on their poor response and their itemized bill from XXXX XXXX XXXX again.
|
| 02/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
In XXXX, after several attempts to contact me about debt collection, I sent Midland a certified letter telling them to stop contacting me.
They abided until on XX/XX/XXXX my husband was called by someone looking to collect on a debt under my name. When I called back, I spoke to a gentleman from Midland who told me that the firm had tried to contact me and that since I had not responded to the mail they had sent, they had sent my case to the courts for judgment and I would be served. Then the gentleman asked that if I had received the letter, that it offered a settlement amount of {$1100.00} and would I have been interested in taking that settlement, that if I had, he said, he " might be able to catch the clerk before he filed ''. I said no and hung up. The debt, he said, was from XXXX and sold off by XXXX XXXX XXXX in XXXX. That it was for clout for a little over {$5000.00}.
Today, XX/XX/XXXX, I received another call from Midland and spoke with XXXX. She also tried to go into the same script of they " had tried to reach me by mail and I had not responded ''. I stopped her to verify she had my correct address, which she repeated. I told her that was my address, that I had received nothing, and that they had tried to do this call on me before several months ago. She tried to say " there is nothing in our records showing another call ''. I stopped her there and told her to stop contacting me.
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX, XXXX XXXX XXXX purchased a bad debt from XXXX./XXXX-XXXX, originally opened in XX/XX/XXXX. At the time, they sent a letter which I can include as evidence, that they had purchased this account. I explained to them and provided them with evidence that this had been paid in full per a settlement agreement from XXXX, which allowed them to deduct {$65.00} per month from my banking account. They deducted this and never credited my account with one payment. In fact, they collected well over the {$270.00} amount they had offered to settle for if I made payments. They actually collected {$450.00} before I realized they were still collecting. They never credited my account or paid it back. But the debt was paid in full at that point.
When XXXX XXXX XXXX purchased the debt, I sent them copies of the bank drafts proving they had deducted the funds. I sent them a copy of the settlement letter and even the man 's name who created the agreement over the phone. They acted as if I'd never contacted them and they have ignored me the same way ever since.
I have disputed this charge, the date of inception and continually, neither the credit reporting agencies or XXXX XXXX XXXX do a thing. I'm fed up with this.
I have a previous lawsuit with this disreputable company where I won as part of a larger suit for their fraudulent practices. At this point, I'm disgusted with the way they are treating me.
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First Disputed this debt on XX/XX/XXXX with all XXXX credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Midland Credit Management ( Also known as Midland Funding LLC ) has been reporting on my credit and fails to provide proof of my obligation to this alleged debt which has been requested two times already. They have sent me a a spreadsheet with an account # and balances dating back to XX/XX/XXXX.To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see signed contracts saying that I am liable for this debt and that Midland has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Midland Credit Management they state " In response to your dispute, we have requested that the XXXX major credit bureaus change the status of this account to " disputed '' Your credit report will not be updated if the federal reporting period has expired. '' Is this a threat from Midland Credit Management to keep this negative information on my credit for as long as they would like??
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that Midland Credit Management is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from Midland Credit Management ( comenity capital Bank ) for the same debt, which is a clear violation of this provision.
I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future.
Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that Midland Credit Management will handle this matter promptly and in compliance with the law.
Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter.
Sincerely, XXXX XXXX
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. MIDLAND CREDIT MANAGEMENT Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and MIDLAND CREDIT MANAGEMENT is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
|
| 10/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XXXX. I responded in XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.
|
| 04/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
This is an update to my complaint that was filed on XX/XX/XXXX. Upon learning of this debt from a bank levy, I have contacted the company numerous times and also the court officer who advise me to contact the debt collection agency. My bank account was garnished for the total amount of the debt from 2 separate bank accounts ( TWICE ). I have contacted the company to validate the debt which was from XX/XX/XXXX. They only told me I was notified and " they attempted to call '' but when asked what number did they try to contact me, they responded " they called. I was never notified of this judgement from XX/XX/XXXX properly and can prove my addresses over the years. The money that was levied was also funds that I received for my daughter from Social Security. I was told from a representative from the company to provided bank statements, proof of the social security funds and then I was told to disregard sending in the information and to call back later in the week. I only have a docket # XXXX XXXXXXXX XXXX. This account was not handled properly and I want them to release the funds that was improperly took from BOTH accounts. The count officer suggest that I follow up with the courts to have the money release. I'm sure the company can see that they took the money from two different accounts. Please prove that I was notified of this judgement, because I can prove that I was not notified properly.
|
| 03/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
relate to reference # XXXX. false accusations due to I closed my checking and savings account with XXXX in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out Midland Funding LLC had a Lien on my property, I called and asked Midland Funding the reason of the Lien, agent told me XXXX sold my account to Midland Funding in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department.
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for Midland Funding LLC and will look into it and call me back once she finds or dismiss the claim had against me.
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from Midland Funding AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with XXXX in XX/XX/XXXX, same year XXXX was under investigation by the FDIC with Fraud and embezzlement.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
on XX/XX/2023 I had submitted a complaint against midland credit management in regards of ceasing all communications however, they have continued to communicate with me which is a clear violation of the Fair Debt Collection Practices Act. The FDCPA states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and midland credit management has started to report this alleged debt to my consumer report which is an indirect medium. It is clear that they do NOT intend to follow federal law. Additionally, I have been receiving threats of litigation from this company which is an additional violation of the FDCPA as it states that debt collectors can not bring or threaten to bring legal action to consumers. I am very angry with this company and I am seeking remedy. If and when this continues I am prepared to litigate as they do not have the right to collect on a transferred contract that I did not endorse with midland credit management. If they truly believe that their purchased contract is valid then I require that they send me the entire purchase agreement not just the bill of sale and I also want proof that I had endorsed a contract with midland credit management using a wet ink signature. If they can not provide this, I demand this company to cease harassing me with their predatory tactics. I demand compensation.
|
| 11/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.
|
| 03/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Midland Funding a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XX/XX/XXXX.
Midland Funding is reporting, opened in XX/XX/XXXX. Simply to extend the 7 year mark.
I contact XXXX, which is the original creditor.
Being a very old charge off account, they do n't have record.
Midland Funding is basically reporting whatever they find damaging towards consumers. Midland Funding is n't reporting actual dates from time of original close out event.
Not only do they call and harass me back in XX/XX/XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character.
Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805.
In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer.
Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent.
As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
|
| 04/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I want to report an incident with Midland Credit Management, who has contacted me for the past two weeks. When I finally answered their call today, it was only a recording asking me to dial XXXX. I called the number and spoke with a representative, but there was a clicking noise. The representative asked me to verify my personal information, which I was only comfortable doing with knowing the reason for their call. Despite my hesitation, the representative insisted on confirming my personal information, and we got nowhere. I requested that they send me whatever they were referring to in writing, but the representative claimed they had already sent it to me and could not provide a date. However, I have not received any mail from Midland Credit Management, as I have a mail alert system allowing me to view my mail for up to a year. When I asked the representative to verify the address on file, he only confirmed that he could ascertain it but refused to provide me with it. When I persisted, he updated their file to say that I had refused to speak with him, even though I was the one who initiated the call. Midland Credit Management violated your rights under the FDCPA by failing to provide the required disclosures and by refusing to provide you with information about the debt in writing. Their attempts to verify my personal information over the phone violated my privacy rights under the law.
|
| 12/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Midland Funding , LLC has been attempting to collect a debt as a collection agency. They have altered the date of 1st delinquency to continue to keep this collection on my credit report beyond the 7 years. I worked at XXXX when the mortgage meltdown happened, so I know pretty clearly the first date of delinquency coincides with me losing my job, them going out of business and me instantly not having any income. XXXX stopped doing mortgage loans in XXXX, and it 's parent company XXXX XXXX was taken over by XXXX XXXX in XXXX. They continue to report my first date of delinquency as XXXX. This is impossible. With no source of income, I cashed in all my retirement to keep lights on and food on the table, roof over our head. I had to stop paying all credit card debt. This is the only one that continues to harrass me with threatening phone calls STILL, after I wrote them a letter that they need to remove this from my credit report since the 7 years had passed. I know based on their " made up '' date of delinquency it will drop XXXX, but I do n't think it 's fair they have continued to plague my credit I am trying so hard to rebuild and make horrible threatening phone calls that there is a complaint against me and they will be serving me at my place of employment. This is after I have provided written notification to them that this debt must be removed pursuant to the Fair Credit Reporting Act.
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to.
They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me.
They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights.
I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me!
They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.
|
| 09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Since XX/XX/XXXX, I have been disputing a XXXX XXXX account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XX/XX/XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the XXXX XXXX account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.
|
| 02/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i disputed this accounts, to tell them that this accounts are not mine. some how some one used my information and i tried to tell them when i filled a complaint and the creditor said it was accurate and i know it is not, here are the one that said that it is accurate MIDLAND FUNDING LLC # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Remarks. Here is how this account appears on your credit report following our investigation XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Past Due ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation.
PR TELEPHONE CO # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation.
XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRER CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I filed a complaint with CFPB against Midland Credit Management on XX/XX/XXXX. Even though they responded through CFPB on XX/XX/XXXX with an explanatory letter and copies of statements, they failed to include copies of documents they claim to have mailed to me on XX/XX/XXXX ( " validation letter '' ) and XX/XX/XXXX ( " dispute response letter and a copy of the verification information provided by the seller '' ). Had they actually mailed the missing documents, they would have provided copies as proof.
I have not received mail from Midland Credit Management on or about those dates or any other date.
In violation of the FDCPA, the debt collector added information to my credit reports without mailing me anything.
And, Midland Credit Management failed to address the XX/XX/XXXX unsolicited email ( attached ) from XXXX, falsely stating, " Although this communication is from a debt collector, this is not an attempt to collect a debt. '' ( bold in original ) If it's not an attempt to collect a debt, then what is it? The email continues, " Need assistance? Were here to help. Call ( XXXX XXXX XXXX between the hours of : XXXXXXXX XXXX XXXX XXXX XXXX. PT. Sunday - Thursday, and XXXXXXXX XXXX XXXX XXXX XXXX PT. Friday - Saturday '' Clearly, the communication is an attempt to collect an alleged debt even though it claims it is not an attempt to collect a debt, which violates the FDCPA, right?
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
on XX/XX/2023 I had submitted a complaint against midland credit XXXX in regards of ceasing all communications however, they have continued to communicate with me which is a clear violation of the Fair Debt Collection Practices Act. The FDCPA states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and midland credit management has started to report this alleged debt to my consumer report which is an indirect medium. It is clear that they do NOT intend to follow federal law. Additionally, I have been receiving threats of litigation from this company which is an additional violation of the FDCPA as it states that debt collectors can not bring or threaten to bring legal action to consumers. I am very angry with this company and I am seeking remedy. If and when this continues I am prepared to litigate as they do not have the right to collect on a transferred contract that I did not endorse with midland credit management. If they truly believe that their purchased contract is valid then I require that they send me the entire purchase agreement not just the bill of sale and I also want proof that I had endorsed a contract with midland credit management using a wet ink signature. If they can not provide this, I demand this company to cease harassing me with their predatory tactics. I demand compensation.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character. Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805. In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer. Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent. As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
|
| 03/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I was recently alerted to a change in my credit score, When I checked it out there was a new collections on my account from XXXX sometime, After I researched it I contacted the said original creditor and they admitted the credit card was mailed to an address thats not mine and was used and never paid, As I explained it was 100 % not my account they said its not there problem any longer and I needed to contact the new collection agency which is Midland Credit, So as I contacted Midland credit the representative was very rude and ignorant stating there is nothing I can do but pay in full {$690.00} or settle for {$510.00} but as I explained its not my account they were only interested in getting paid, I have disputed this account with all 3 credit bureaus only to have It come back as accurate, This makes absolutely no sense to me due to this not being my account, Now this account shows as closed with a derogatory Mark on my credit report in which significantly lowered my scores, I dont have any where else to turn for help because it seems Im getting stuck with someone elses debt, Can you please help me?
Original Creditor : XXXX XXXX XXXX Original Amount of credit : {$300.00} Card mailed to XXXX XXXX XXXX XXXX Pa XXXX Opened XX/XX/2019.
New creditor : Midland credit XXXX. Fax #. XXXX XXXX. Account XXXX.
My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Thank you
|
| 06/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT I contacted Midland Funding on after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name that I suffered from two XXXX XXXX. She asked what they were I told her my illness are XXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to XXXX and read to me what the definition said. I told her that I wasn't able to work and I wasn't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did and she was of no help. The more I had to repeat my self over and over my XXXX begin to flare up. I advised both of them that my health issue were not going to get any better. I also asked for Validation of this debt and never received anything. I have also asked for an Assignment of Debt and haven't received that.
|
| 01/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX I failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. c/o XXXX and XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given.
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed.
Thank you
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I notice that there was a company Midland Credit Management on my credit report stating that I owed {$960.00}, I submitted a dispute with XXXX on XX/XX/2020, it came back verified and updated. So I sent a letter to the creditor on on XX/XX/2020 asking them to send me documentation bearing my signature. I never received anything from them, so on XXXX XXXX I sent a second letter requesting again, documentation bearing my signature. On XX/XX/2020 I sent a certified letter to XXXX advising them that the Creditor Midland Credit Management failed to verify the debt and ask for the negative reporting be removed. Few days later I received a letter from Midland stating " they have opened a investigation regarding my dispute '' and it will take up to 120 days and they will report to all three agencies to delete the trade line. Well today is XX/XX/2020 and nothing has been removed. XXXX acknowledge that they received my letter that I sent on XX/XX/2020 and they have until XX/XX/2020. Midland Funding allegedly purchase this allege debt from XXXX XXXX without any proof that this debt is mine and is reporting on my credit report and I want to know how XXXX verify this with them, if there is no documentation verifying that this debt is mine. I will send the letter that Midland Credit Management sent to me stating they will have the trade line deleted to XXXX and I hope XXXX delete it right away.
|
| 11/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 04/05/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
On Sunday, XXXX XXXX , 2017, I, XXXX XXXX , received a telephone call from a debt-collection agent. The agents name was XXXX XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I, XXXX XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with XXXX XXXX lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( # **************** ). This account has been collect ed, [ unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.
|
| 07/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called Midland Funding on XX/XX/XXXX or XXXX to settle my debt. They were sending me to small claims court for {$1400.00}. When I called, I spoke with someone named XXXX XXXX and he told me that the only way he would negotiate my debt would be if I answered his questions. He wanted to know how much my mortgage payment was and my car payment and how much money I make and how much all my bills were and when I refused he said he wouldnt talk to me if I didnt give him that information. Then he told me that he would negotiate my debt down to {$1200.00} if I paid that amount by XX/XX/XXXX. He wanted me to give him my account information over the phone and I told him I would use the website and he kept trying to get me to pay over the phone but I refused. I then paid the {$1200.00} on Friday XX/XX/XXXX. The website said I still owed {$140.00} even though XXXX said my debt would be settled at {$1200.00}. He also told me he would send me confirmation in the mail which never came. Today I received a notification from XXXX XXXX saying Midland has increased the amount I still owe from {$140.00} to {$440.00}. This should be against the law because at this point they are asking for more money than I even owe. Not to mention the fact that I never entered into any agreement with this company in the first place. They are a third party agency. They also reported this information to XXXX and XXXX.
|
| 11/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona.
Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per XXXX cardholder 's agreement. Midland forced me into litigation when a clause in XXXX 's cardholder agreement protects any alleged consumer from litigation.
MY QUESTION TO MIDLAND FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process.
CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave Midland a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet Midland kept dragging me through it.
Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws.
WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
|
| 12/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX complaint to credit bureau of an account in the name of XXXX XXXX XXXX on my credit report.
XX/XX/XXXX same account reappeared on my credit report and put in a second complaint with XXXX
Current cease and desist at time of complaint.
Fdcpa violations Continues to collect a debt not owed as it is not in my name and someone elses. As well as attempts before cease and desist.
Improper contact or sharing of anothers account by phone and by mail. ( Only verification was using first name and last name and no other identification to validate debt with correct owner. ) Calls and mail collection harassment : continued calls and collection letters for a debt that is not in my name. Some robocalls or duplicate calls within a couple minutes of each other by the company in the begging of trying to collect. Even beyond the cease and desist. Current collection letter dated as of XX/XX/XXXX. And a call made on XX/XX/XXXX.
Discussion of another persons debt by a collection company to an individual not associated with that account by phone and collection letters.
Cease and desist with continued collection efforts by phone and mail.
Ftc report XXXX Also filed with XXXX XXXX XXXX and Illinois XXXX attorney office.
Collection company removed the middle initial on collection letters in the hopes of being able to collect from anyone with that name.
By midland credit company
|
| 06/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Before XX/XX/2023, Midland Credit Management send via XXXX a letter pertaining to a debt they purchased and offered to accept {$50.00} biweekly payments to pay of this debt. The letter states that the offer must be responded to within 15 days of the dated letter. This letter is dated XX/XX/2023. It however was received on XX/XX/2023. This would require a response within 3 days of receipt in order to be able to comply. This tactic is abusive to the consumer and does not provide sufficient time for the consumer to weigh the options and to properly budget for this payment into their routine. To demand a response within 15 days of the date of the letter, but to withhold it from immediately being sent to the consumer appears to be a common issue I personally have experienced as other letter which do not have direct tracking, have been received nearly an entire month after the date of the letter. These can however be verified with USPS informed delivery as daily emails are received with images of what is expected to be delivered that day. Several communications from Midland Credit can be proven to have been received by more than 21 days after the date of the letter, and after the stipulated " respond by '' date stated in the letter. This violates the rules and regulations set by federal lawmakers on the practices of debt collection and is a tactic that should be addressed immediately.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX, MCM reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I started receiving phone calls from various numbers on an almost daily basis. I screen my phone calls so I only answer calls from numbers I know but when I saw a flood of strange numbers, I started using XXXX to identify the numbers. I noticed a pattern of the calls were from Midland Funding, calling under different numbers maybe six or seven different numbers. They never left a message.
I know of Midland Funding, what they do, their reputation, etc. I know theyre a company I have no interest in dealing with. Since they never left a message, I have no idea if theyre even calling for me, they could be calling for a prior owner of the phone number. If they are calling for me, I have no interest in doing business with them, no idea of any accounts they could be harassing me over. Furthermore they are in violation of the Fair Debt Collection Practices Act, 1692g, as many more than five days have passed since their initial XXXX XXXX call and they have not sent me a validation letter, or any letter. I have no idea of an account number attached to this account, if there is one.
If they are calling for someone else on my phone number, I expect them to delete this number from their system. The phone number is ( XXXX ) XXXX for them to investigate. If their purpose in calling does involve me, I expect them to close the account in exchange for their violation of the law.
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I am writing to formally bring to your attention the concerning behavior exhibited by Manager XXXX XXXX during our recent interaction regarding the debt collection process.
During our conversation on Monday, XX/XX/XXXX at XXXX EST. XXXX XXXX displayed forceful and aggressive behavior towards me. Despite my acknowledgment of the debt and the challenging circumstances my family and I are facing due to maternity leave and my husbands job loss, XXXX XXXX repeatedly accused me of irresponsibility.
I explicitly stated my willingness to address the debt in due course, mentioning my plan to utilize my tax refund in XXXX to initiate repayments to all creditors, including Midland. However, instead of understanding or empathy, XXXX XXXX continued to employ threatening language, insisting on immediate repayment and threatening legal action.
His persistence in pressuring me, even after expressing discomfort with his approach and labeling it as abusive, was highly distressing and unacceptable. No individual should be subjected to such aggressive tactics, especially when attempting to navigate financial challenges caused by unforeseen circumstances.
I request an immediate investigation into this matter and appropriate action against such abusive debt collection practices. My aim is not to evade responsibility but to request a fair and respectful approach to resolving this debt issue.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I believe the information on the Midland credit management account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted midland credit management that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e.
I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file.
This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that midland credit management claim i owe and i demand that midland credit cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.
|
| 11/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # MIDLAND FUNDING LLC # XXXX. The company responded to XXXX but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC
|
| 06/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a form MC-012 from an attorney from an attorney representing Midland Funding, XXXX XXXX XXXX XXXX, State Bar no. XXXX, Midland Funding, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX, on XX/XX/XXXX, ( XXXX County Court case no. XXXX ). In that form, the attorney claims that I still owe Midland Funding {$520.00}. It also states in that letter that I have already paid {$2800.00}. I called Midland Funding at ( XXXX ) XXXX, on XX/XX/XXXX. The person that I talked to ( XXXX ) said that I have already paid {$3400.00}, but that I still owed {$560.00}. As you can see, there are discrepancies in these amounts. The second person that I talked to at Midland Funding also said that I had paid and owed the same amount as the first person that I talked to. I went to XXXX XXXX to inquire about the credit card acount in question. The manager at the XXXX XXXX CA, XXXX XXXX said that the credit card debt had been settled for {$2900.00}, but couldn't give me an exact date ( I believe this was in XXXX ). I believe that I paid this debt at least 6 years ago, and these guys have tacked on additional principal and interest, and are trying to collect on an old debt that is definitely older than 4 years ( statute of limitations is 4 in CA ). I also visited the XXXX County courthouse in XXXX XXXX, CA, and the clerk said that this document ( MC-012 ) had been filed back in in XXXX.
|
| 01/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. Midland has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
On XX/XX/18, XXXX responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by XXXX. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 08/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.
|
| 10/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called to see how much money was in my bank and found it was garnished by Asset Acceptance. They claim I owe on a debt that I already paid to XXXX XXXX, attorney in Oregon. I paid this off XX/XX/XXXX. Apparently there was a judgment for this paid off debt XX/XX/XXXX. I called XXXX 's office and they sent all the paperwork to Asset acceptance, who just garnished my checking account. I originally called XXXX in XX/XX/XXXX to see if I was making my last payment when I was told the account was transferred back to Asset Acceptance and was given the number. I called to make sure that was my last payment and was told I was not showing as owing anymore. Fast forward to today, I had XXXX garnished from my bank account and I am told I had a judgment and I still owe the full amount. My husband had to deal with this same company last year when they called everyone in the family and claimed to be a law firm ready to take our home, harassed the family and his work, for a debt he already paid. He got the money they took back but it took a month. How are they still in business and how can I fight this? I had no notice, nor contact with this company, so how are they able to garnish my account for something I do not owe? Please help!! How do I stop this. I talked to the attorneys doing the garnishment and notified XXXX 's office, but they said they sent all the copies to asset acceptance.
|
| 09/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
For a year now, Ive tried to work with all three credit bureaus. To date people have my information due to identity theft. I found out through XXXX, that I was sold on the dark web for years. Ive gotten so many disputes taken care of but then I go to XXXX XXXX, and they have not updated anything. And to date people are still trying to get credit.There are places of employment they said they verified thats not true because I never worked at these places. In XX/XX/XXXX and then all these other dates I know where I was that and I dont even know these places of employment. Though they say they verified it thats an impossibility. Midland funding, XXXX finally settled my dispute and shut them off, the other two have not. I have disputed addresses I have disputed false names I have disputed false phone numbers, and I have disputed all these hits on my credit that are not me. Id like to add that my bank account two months ago was emptied and Im still trying to deal with my bank. Ive been mirrored by an XXXX XXXX, they managed to mirror all of my emails, Im trying so hard to get them to listen to me to just hear me and they wont help. Every time I dispute they say no its accurate, no its a complete inaccuracies.I need help. These go back date wise so far even up to today. There are so many things Ive disputed Ive proven to be true, credit bureaus dont want to help. Please help me.
|
| 12/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 08/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX. Midland funding place a judgement on me without verifying any of my debt or giving me notice to dispute the cc. The cc charged me unfair fees. They started harassing me again in XX/XX/XXXX calling me 10+ times per days, swearing at me and threatening to take everything I have at that time I told them not to contact me by phone. I filled out paperwork showing I have XXXX children and a limited income and they where unable to garnish my wages because I didn't make enough to support us. The calls stopped and I have not heard anything from them since. I have since moved from my previous address. Yesterday XX/XX/XXXX I deposited my payroll check I to my bank account and went to the store to find out my card was declined for nsf funds. They drained my checking account and took all but XXXX. Of my fiance 's saving account ( we have a joint account and this was from his paycheck direct deposit ). I called this morning XX/XX/XXXX to talk with the collection agency and they notified me that they can do this without any notice even after 7 years. They had my old address on file when they asked me to verify my Info I gave them my new address. I have XXXX children to support, rent due in 2 days and they have taken everything without any notice or option to payments or ability to fight the actual charges they say I owe which is unfair fees I was charged. Please help me.
|
| 06/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/19 and spoke to one of their management team Ms. XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!!
|
| 05/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. Midland Funding who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what Midland Funding and XXXX XXXX XXXX had done to me. Even today today is the XXXX of XXXX and I called and XXXX XXXX XXXX a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.
|
| 12/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
DEBT WAS SETTLED IN FULL ON XX/XX/2013. LETTER OF SETTLEMENT OBTAINED.
Improper contact and sharing confidential information with people who are not affiliated with me in any business or financial or professional capacity.
Threatening to take legal action and improperly contacting and sharing this threat with people who are affiliated with me in any business or financial or professional capacity.
I had received NO prior written information OR phone messages prior to various friends and/or acquaintances with similar names contacting me with this information.
XXXX XXXX XXXX Debt Collectors Employee XXXX XXXX illegally contacted people other than myself, slandered and lied about my financial obligations to people other than myself.
XXXX XXXX XXXX Case # XXXX.
When I advised her that I had already settled the debt and pointed out that she and her firm has broken several privacy laws, her response that was I had provide that letter AND be prepared to present the letter for many years to come as her firm would also be " bundling and selling '' this debt back to the market place.
I told her I would be providing a copy of the Letter of Settlement to her and that it was only file with various credit reporting repositories.
This firm needs to be severely reprimanded and fined for their actions.
LETTER OF SETTLEMENT WILL BE ATTACHED TO THIS COMPLAINT, IF POSSIBLE.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I disputed a company by the name of " midland credit and XXXX has not requested this company to prove the collection account is mine. I do not know who this company is. The amount is XXXX dollars, and I had to ask XXXX twice to file a dispute. the first time I filed a dispute about this company the dispute number was XXXX, and when I called to check on the dispute they said they did not know what I was talking about. I filed another dispute XXXX, and they did not investigate, they just settled on non-information from this company " XXXX XXXX. I sent XXXX XXXX a dispute and they never sent me proof that the account was mine and the thirty days were up. And I disputed through XXXX and they did not do a proper investigation.
XXXX will not disclose to me how this company ( XXXX XXXX ) proved that this account is mine, I do not know who XXXX XXXX is. The other account is XXXX XXXX XXXX did not ask for them to send information that I owe that amount, the account number is XXXX, I do not owe this amount and I don't know who this is the company is, XXXX does not request a proper proof. both disputes are under XXXX. When I called the associate, the XXXX associate had trouble understanding XXXX and I tried my best to explain but the disputes are not properly being verified, and midland credit puts derogatory information on my credit report with XXXX every other week.
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/XXXX when checking my credit report, I noticed that I had a collection account appear from XXXX XXXX XXXX in the amount of {$6700.00}. I have never received any written communication from Midland regarding this alleged debt. Midland reported the account as opened in XX/XX/XXXX, but I have never opened any account with Midland. It has not been reported on my credit file until XX/XX/XXXX. I disputed the account with XXXX, but that went nowhere and I did not receive any written reason or criteria, etc. I received a letter from Midland stating that my dispute was being investigated but received no follow up. On XX/XX/XXXX, I sent a certified letter to Midland requesting validation of the account ( attached ) which they received per postal records on XX/XX/XXXX. To date, I have not received any communication or validation of my account. I understand that there is a period of 30 days after the first written communication from the creditor in which a consumer can request validation. However, given that I never received a written communication I was never given the opportunity. I only found out about this alleged account when it appeared on my credit file. I want to heavily emphasize I have never received any written communication about this account. I believe this account is invalid, violates the FCRA, and should be removed from my credit file with all three bureaus.
|
| 05/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Recently while conducting a monitor of my credit report I discovered that Midland Funding LLC has furnished some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Midland Funding LLCtorelease myinformation toathirdparty.
1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.
Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
|
| 11/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the XXXX XXXX store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything?
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ...
the company is XXXX XXXX and deb collector are call MCM midland credit management there account XXXX XXXX XXXX XXXX / XXXX XXXX account the amount balanced $ {$2500.00}
|
| 03/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015.
The company called using a XXXX number.
I noticed I had previously received calls from this number for a week or so.
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up.
When I answered this person very friendly and did not identify who she was until a little further into the conversation.
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency.
I closed that checking account and opened a new XXXX.
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to.
Is there anything else they can do to me because I closed that checking account?
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before.
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
|
| 12/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors.
Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside.
This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection.
Neighbors stated that they were approached by a female in a XXXX XXXX commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner.
These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
Since XX/XX/XXXX, I have attempted to have Midland Credit Management validate collection account # XXXX which is the account # listed on the letter I received from them until this moment they have refused to do so which is a direct violation of my consumer rights based on the XXXX Fair Debt Collection Practice Act, as well as the Fair Credit reporting Act. By providing a incomplete acct # is grounds to discontinue reporting on my credit report which I have submitted demands on numerous times. I have went so far as to write the management Board member XXXX XXXX XXXX on XX/XX/XXXX home office located at XXXX Camino de la XXXX XXXX XXXX XXXX XXXX, Ca XXXX I also wrote to the divisional management XXXX XXXX as well as XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Mi. XXXX until this moment no competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them.
The same has been with XXXX XXXX XXXX I have sent certified letters requesting validation allowing Midland Credit Management to report on my credit report again my rights are being violated XXXX is showing Midland Credit Management as acct # XXXX first they are listed as incomplete acct # which is a violation plus two different acct # for the same account. I feel like I'm powerless can you please help me? By removing this account from my credit report.
|
| 07/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by MIDLAND CREDIT MANAGEM # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with MIDLAND CREDIT, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
|
| 05/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Purchased a set of golf clubs from XXXX XXXX XXXX on XX/XX/XXXX Processed payment through my XXXX account. Received clubs on XX/XX/. Opened packaging on the 7 iron and hit a few balls. Did not like the feel of the club so put it back into its individual wrapping and put it back in the original box with the other clubs. Returned the set of clubs to XXXX XXXX by XXXX on XX/XX/. A few days later I received a call from XXXX at XXXX XXXX saying they received the clubs but one of the clubs was used indicated by the wrapping. Was told that a full refund could not be given because I used their prepaid return label which I was {$7.00}. Was told that the {$7.00} would be deducted from the total of {$1000.00} to which I agreed. Waited several days to get notification concerning my refund. Made several calls to XXXX XXXX and spoke to different people each time getting different answers. On XX/XX/XXXX, I wrote a letter to XXXX and disputed the claim online. On XX/XX/XXXX, XXXX acknowledged receiving the case # ( XXXX ). The reply from XXXX stated that additional info would be requested from XXXX XXXX. On XX/XX/XXXX, got email from XXXX saying my case was denied. I did not pay for the clubs that I returned. Attempted to purchase a home to find out that XXXX XXXX, by way of, Midlands Credit Management , Inc. had placed an amount of {$1400.00} on my credit report for collection.
|
| 08/06/2016 |
Yes |
|
|
|
Web |
|
|
I was contacted by Midland Funding LLC. They have filed a lawsuit # XXXX out of the XXXX XXXX # XXXX Judge XXXX XXXX in XXXX Texas, filed XXXX we have ahd this problem with XXXX concerning a different case. You have helped us in the past. We have a letter from the previous bank that reimbursed our account over {$5200.00} in XX/XX/XXXX. We have also have had credir card companies sending mail to XXXX XXXX. We have been married over XXXX years and XXXX does not get any mail for nearly XXXX years with the name of XXXX XXXX. The credit card company who sold the debt to Midland Funding was XXXX credit card. We never had a credit card of that name. I do not have the credit card # nor when it was issued. We only use our debit card when we do not write a check, we have paid bills on line with both our checking account and debit card. This has put us in an extremely difficult situation. We do not have the money to retain an attorney, so my husband is doing all the legal paperwork. Midland 's phone # is XXXX, the address is XXXX XXXX XXXX XXXX California, XXXX. Please help us if you can. My husband requested documents, ie signed application forms from XXXX and Midland Funding concerning where I signed the original application so we can prove that the signature will and does match my own signature.
Thank You, XXXX XXXX ( maiden name on credit card ) Married name XXXX XXXX
|
| 06/02/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I made a settlement with a debt collection agency. I paid them the agreed amount, registered mail the day after the agreement. They got their money. They have had my payment for months which should have closed my account and been put on my credit as paid. However I call and they say I still owe the difference of our agreed amount. I have talked with many managers who tell me they will manually fix my account. I have called this agency over XXXX times and always i get the same excuse or some new reason as to why they have n't closed out my account. I am a single mom with no job I need my credit fixed so I can move. I call them at least XXXX a week and they say, our manage has to approve this before we can close your account as paid. I spoke with various " managers '' and I was told two weeks ago that within 4 days my account would be marked as paid and closed. That I would receive a letter in the mail that it was paid. I have not got a letter yet so I called them again today. They told me that someone canceled my request to have my account closed and that I still owed the balance of the difference. We settled upon XXXX a difference of XXXX of my original credit debt. I sent them the money order within a week and still they keep lying to me. I get different excuses every time I call. Please I just need help in getting this account closed. I paid them their money.
|
| 10/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Starting back in XXXX : Midland Funding was calling me anywhere from 3 to 7 times per day trying to collect a debt I knew nothing about. They would call and ask for one name then call back and ask for another, then call again and ask for me by first name only. I had tried calling them and spoke to a woman that said she had nothing with my name through there company. and then again, phones calls were persistent for the next 3 years. I gave up answering and they never left a message. I only knew it to be Midland because I would call and ask who they were. All they would say is it was XXXX XXXX XXXX was the original creditor. I never knew to have an account with XXXX 's XXXX except for when XXXX XXXX XXXX XXXX had their XXXX XXXX XXXX through them ( to which that was paid with my IRS Refund ).
As of XXXX, I stopped receiving calls because I had paid my phone service provider to have Elicit/Spam/Etc callers blocked. Yet for the last 2 years, approximately 4 times a year, I get a random bills in the mail, which I just tossed in the mail. To which I have provided them documentation that the debt was paid. I also filed disputes with all 3 credit reporting agencies that I am not responsible for this account, unknown collection. Midland only ever sent notices no proof of debt.
How do I stop this? Do I need to hire a lawyer? If so, how do I get assistance to do so?
|
| 12/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.
|
| 06/08/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I called last week to discuss account XXXX. I asked for XXXX XXXX but he was not, as I was dealing with him over account. I was currently, speaking with a XXXX XXXX and I asked for clarification on information on account above for payment, as your system was down. He proceeded with stating that I was in a law suit with them that has been filed. I was confused and I asked for clarification I was not aware and for what over above account. He continued to state that this is for a account I believe he mentioned XXXX and that I had to pay over {$8000.00}. I told him I was not ware and for what this money is for. He continued to state that yes I did, and I had asked for dispute. I stressed to him that no, I did not and I only called about XXXX and nothing else. I told him I did not have any information or was mailed anything. He started to be pushy to force me to pay for something I was not aware of. I told him what the large amount of money was for ( details ) and he did not want to answer and stated " MCM only files lawsuits we do n't have any other information ''. I repeated what he had just told me and he hesitated with any other information. He only stated I am in a lawsuit and I would get into in the mail in 2 days. Two days have passed and I have not received anything about his threat. I did not appreciate the bullying and threating behavior by this employee.
|
| 04/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Upon reviewing my credit reports I noticed a collection account listed by XXXX XXXX that I did not recognize. This account shows on my credit reports as owing {$570.00}. I sent a certified letter to XXXX XXXX dated XX/XX/XXXX disputing this debt and asking for validation of this debt with competent evidence bearing my signature showing that I had an obligation to pay this company. On XX/XX/XXXX I received a letter back from XXXX stating they were uncertain of what I was disputing, and also sent a billing statement that I have never seen before. They did not include what I was asking for, validation the account was mine bearing my signature. Also the amount they are now claiming I owe is different from what they reported to the credit bureaus. I then responded with another certified letter informing them they they have failed to provide me with a copy of any viable evidence bearing my signature that the account is reporting accurately and also asking for proof that I have some contractual obligation to pay them the money they are claiming that I owe and asking them to delete this account from my credit reports if they can not provide a contract with my signature. I received a response dated XX/XX/XXXX stating again that they are uncertain of what I am disputing and providing no other information, and no evidence bearing my signature that this account is mine.
|
| 04/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Mother has put myself down as a co-sign with a bank credit card from XXXX XXXX Bank with intentions to help my credit in XXXX Credit card was closed out in years of XXXX by XXXXXXXX XXXX Bank which we , my mother and I, made a phone call to them to make sure the credit card was closed with a XXXX balance. XXXX XXXX Bank has no documentation of this since its beyond a 3 months span.
Midland Credit Management ( debt collector ) claims the card reopened and is attempting to collect a debt with the amount of {$2900.00}. Midland claimed a payment was made on XX/XX/19 for the amount of {$150.00} under my name. Midland was not able to provide accurate account information the payment came out of, along with purchases made when asked.
Midland Credit pursued a civil summons attempting to collect the debt in the month of XXXX. I have taken action and responded back to Midland that I do not owe/unaware of this debt which may be the result of a fraudulent attempt with my information by another individual.
I did not reopen the XXXX XXXX Bank card, I do not owe the amount of {$2900.00} to Midland Credit Management nor XXXX XXXX Bank, and have not made any payments towards the amount listed above on a bank card from issued by XXXX XXXX Bank. There is no evidence that the payment came from my current nor previous bank statements dating back to the time of this claim.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XX/XX/2023 contact debt collector midland credit management with intent to pay full balance. Debt collector stated that they would take off 30 % of full balance. I was assured that it would not affect reporting and it would be a deletion. Asked for a settlement letter as well. I was advised that it would be removed from the account and that they would furnish a letter to confirm agreement. Received settlement letter with amount that was agreed upon. Week of XXXX XX/XX/2023. No validation of payment or payment a letter stating it was paid in full. Call mcm for the receipt of payment and also the fulfilling agreement of deletion. Debt collector also stated that there wasnt a payment. Debt collector told me to shut up and that I keep saying the same thing over and over again. Until I told him I have a copy of cashed check distributed. Which he quickly found. Mcm reported that it was still in collections XXXX XX/XX/2023 and wasnt paid. The debt collector threatened with legal consequences to pay the 30 % off and also that they would continue reporting the accounts as he wish due to me disputing with credit bureaus. I advise debt collector that I was going to make a complaint for false information them reporting open accounts open with owing over {$580.00} for the month of XXXX also, report the threat of legal action and refusal to honor terms of deletion.
|
| 07/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS.
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE..
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXX ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED MIDLAND CREDIT MANAGEMENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a balance owed to Midland credit management llc on XX/XX/XXXX around the amount of {$1200.00}. I had paid down the debt to {$660.00} by XX/XX/XXXX which was reported on time by midland credit management on time. A conversation I had with a manager that urged me to want to pay the account off as soon as possible because he was threatening to sell my account elsewhere. By XX/XX/XXXX I had paid down the debt to {$0.00}. This action has yet to be updated and yet to be reported to the three major credit bureaus by midland credit management. XX/XX/XXXX I reached out to the company to resolve the issue and to see if they can update my paid off status to the credit bureaus. They declined saying that I had to lift my dispute first in order for them to help me. I feel that I do not need to list my dispute that is based on the truth in order to resolve this issue. They went on to even report an accurate information to the credit bureaus even after the dispute was made. Further destroying my credit. They have on my credit report that {$660.00} was the original account balance and that is not true. I paid the balance down from {$1200.00}. They are also saying that I owe {$660.00} as of today that is not true. They sent out a email XX/XX/XXXX saying that I owe {$660.00} and that it will be automatically taken from my account. I do not owe {$660.00}. I owe {$0.00}.
|
| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American, Servicemember |
|
I was contacted by Midland Credit Management XXXX Inc. out of California on a debt that has passed the 7 year Pennsylvania statute BUT I do not owe this debt ( see letter ). Because I DID NOT receive the service but DID receive the XXXX XXXX little white phone jack attachments in a box in the mail I DID try to resolve the issue with them for a sum of {$50.00} as I read the internet and saw they were leaches and thought sending them something would resolve the issue. Unfortunately, they said I 'm not " working with them '' to resolve the issue EVEN THOUGH they ca n't provide me proof that any SERVICE was ACTUALLY provided ( which it was n't ) since my wall phone jacks were not compatible with their little white things ( whatever they are called ). Please help resolve this issue, MIDLAND wo n't provide me with definite proof that I owe any money whatsoever. All they send me is their " reference material '' telling me that is the PROOF. Their " reference material '' is NOT what I asked for but they wo n't send me the proof I want because they evidentally do n't have ANY proof. They also ask ME for proof that I do n't owe money. If I never had the service, HOW can I provide any proof? It is a vicious circle. I think they feel I will get sick of them sending me letters and pay them which I wo n't. I decided I wo n't pay any money for a service I never received.
|
| 11/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. XXXX XXXX XXXX was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX I filed a dispute with XXXX concerning a collection account on my credit by Midland Credit MGMT Inc. that states i owe {$1200.00}. On XXXX XXXX I was denied credit because the dispute was still being reported over 3 months later. I spoke with a supervisor at XXXX on XXXX XXXX They resubmitted my dispute and had no reason they could tell me why this dispute was still being reported. So, they filed a new one. The XXXX dispute confirmation number is XXXX. This is their reply to me.
The results are : This creditor has verified to OUR company that the balance is being reported correctly. Historical account information was deleted from this account. Charge off amount {$0.00} How can XXXX say it is proven to them i owe this amount almost 6 months after first filing a dispute? If there is no historical info how was it proven to them? Why was I denied credit because of a dispute left on XXXX almost 4 months after filing it. This was a XXXX credit card originally with a credit limit of {$500.00}. I was working with XXXX, making payments. This collection agency has made up an amount, left it on my credit report and XXXX wont listen to a thing I say. Their own letter telling me it 's resolved makes no sense. These people are horrible to deal with. hard to understand with thick accents. Please help me. I have gotten no where with XXXX. They wont listen to reason
|
| 05/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In I believe it was XXXX, I filed a complaint against XXXX for not knowing who they were. I reviewed their response to this bureau, and they removed their listing on both XXXX and XXXX, but they failed to remove it on XXXX.
I got this long response about how the case had gone from here to there, and at the end of the day, they got this case in XXXX after it had been charged off by two companies in XXXX, and it was opened in XXXX. However you look at it, these two bill which were taken off my credit report last fall by the original companies, is over 7 years old, but due to the redaing of the XXXX account. theyd like to keep it on my report longer.
I had expected to see this company off of my XXXX report as it was taken off on the other two, and I was surprised to see that they think they can keep it on, but I am not shocked, as this is how they have answered letters previously sent to them with Xmas card like offers, etc.
I have copied my XXXX report as it is today. This appears to have been ignored in XXXX, they say they couldnt get a hold off me, and that in XXXX, its still due.
If the companies have had the original debt drop off for reaching the 7 year mark, so should the collection agency.
I asked for very specific information from this company in my letter, and it has never been recieved. The information being reported is not correct.
|
| 05/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On Monday XX/XX/XXXX, my wife XXXX received a call from a representative at Midland Credit Management ( legal account number XXXX for {$1900.00} ). She tried a payment arrangement that would have worked but could not come to an agreement. The MCM representative was asking for " {$200.00} the first month, and {$100.00} each month after. '' That is an obscenely high amount with our family 's budget. I tried calling at XXXX this same day and was met with similar resistance. I recommended {$19.00} a month as that was the previous payment arrangement and the last payment made was in XXXX. We are not hiding from this debt but it would be in the Midland Credit Management 's best interest to agree to our payments of {$19.00} a month. Why? In the state of Florida there is a head of household exemption. This debt is solely my wife XXXX 's responsibility. I work too but this is not my debt. That being said, she is eligible for this exemption and here 's why : she provides more than 50 % support for our XXXX XXXX and makes less than net income of {$750.00} a month. Can we come to an agreement that {$19.00} a month is more preferable then no money? XXXX/mo versus XXXX/mo? All we want is piece of mind, no more calls, and no surprise Writ of Garnishment/frozen assets. I've provided links/sources for your education.
XXXX : //XXXX.XXXX/XXXX-XXXX-XXXX-XXXX/ XXXX : XXXX
|
| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
hello. yesterday was the XXXX of XXXX I was sitting with my family when a gentleman knocked on my door hand to me an open package telling me there is a lawsuit against me for a certain amount. I was shocked cause I didnt know that I owed money to anyone or buy something I didnt pay. so, when i open the package and start reading though i do not understand everything about it. the little i understood seemed like there was a credit card open on my name which I know nothing about and being used and now I am being prosecuted to paid off.
I remember on XX/XX/2019 I was forced to purchase a timeshare resort on XXXX, couple day after I call and keep calling to find someone to cancel it never reach someone to assist me. now they persecuted me to paid it off and threating me all of that messing up my credit. all of this are XXXX over my head.
I literally was forced to purchased and being told later on if I am not interest on it i can always return it, or if I want to sell, them they will sale it for me, when I finally find someone to assist me on this case, I have been told I have to stick with it and make payment on it every month. i feel like my personal identity is in problem I am looking to help anywhere to help me get those people of my back.
i wanted to upload more of the files but the webpage don't let me to, is there any other way to upload more files
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As of XXXX of XXXX, I had begun receiving harassing mail via XXXX from Midland Credit Management with threats to take this matter to court from the time that the original company had sold this debt to this company. Midland Credit Management had always intended from its ownership of the debt to take this matter to court. I called Midland atleast 3 times to settle the debt and to handle the matter. Midland never reported the debt at any occasion until after it was paid, despite what their response implies to the consumer financial protection bureau. I had been checking my credit, and I had also had credit inquiries conducted upon my account, this account under XXXX XXXX XXXX took all parties inquiring myself by surprise as it had never been reported to credit bureau agencies by Midland Credit Managment until after the debt was settled. How can Midland Credit Management report that I owe the company a debt that had already been settled after it was settled and claim that it has the authority to continue to report this spurious claim until XX/XX/XXXX, because it has a dubious policy that it claims gives it the right to falsely report this settled debt as still outstanding? Government agencies must be vigilant about this company that is inaccurately reporting false information and harming individuals ' records because it deems it has the authority to do so.
|
| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notification from XXXX regarding a package being delivered to an address where I haven't resided for over 13 months. Concerned about this, I promptly contacted XXXX to inquire about the package 's contents. They provided me with a contact number, which ultimately led me to MCM ( Midland Credit Management ).
Upon speaking with a representative from MCM, I shared my concerns and requested validation of the accounts associated with me. The representative initially attempted to verify my identity solely using my birthdate and then informed me about multiple accounts they held in their office under my name. In response, I reiterated my request for written communication and validation of the debts, emphasizing that I had not lived at the address they were sending information to for over a year.
Despite my polite explanations, the lady on the phone appeared dismissive of my concerns and persisted in urging me to make payments. I informed her of my job loss last year and my current full-time commitment to college. I kindly requested, once again, validation of the debt, copies of all credit card statements, and a copy of the card agreement with my signature.
Regrettably, the lady on the phone continued to disregard my requests and remained insistent on immediate payment. Frustrated with the lack of cooperation, I decided to conclude the call.
|
| 05/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
My Daughter and I went to a XXXX XXXX in XXXX, WA. XXXX XXXX XXXX had a booth and a sales rep that basically made a HARD Sale. I purchased one of the beds and the mattress cover that was required in order to not void their warranty. The next day my husband and I decided to cancel the purchase and contacted XXXX XXXX. The bed was cancelled and we thought the entire purchase was voided. A few weeks to about a month went by when we received a package from XXXX XXXX. It was the mattress cover ( s ) for the bed we cancelled. We tried to deny the package, but the driver wouldn't take it back. I called the XXXX XXXX I had used before but was told they were not returnable. I never understood this. I attempted to contact another number but never got anyone that would explain why the entire purchase wasn't cancelled since I called the next day to cancel the entire purchase. I still have the mattress cover ( s ) unused in the original shipping box ready to send to anyone from XXXX XXXX. Instead of accepting the covers back, they chose to add additional charges and send my account to collections where we now have debt collectors from other companies harassing us daily. The original amount for these covers was {$260.00}. Now after looking at my credit report it's ballooned to {$500.00}. All I want to do is return these unused mattress covers for a bed we never got!
|
| 12/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted CFPB about a debt collection notice I received from Midland Credit Management. The account they were trying to collect on was fake. It was for a XXXX credit card that I never opened. I filed the complaint with CFPB. Midland responded that they purchased the debt from XXXX and insisted I contact them to resolve the debt. XXXX later responded acknowledging that the account was falsely opened and stated that they would recall the account from Midland Credit Management. Both also CLAIM that they have not damaged my credit.
If XXXX is acknowledging that the account is fake and that they're recalling the account from Midland, why is Midland claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!
|
| 06/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased a mattress from XXXX in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from XXXX. I never again used the XXXX XXXX MasterCard and called the XXXX credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with XXXX that the credit card had any current unpaid balance. I received a letter from Midland Credit Management this week that said my XXXX MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from XXXX or XXXX to notify me of three separate fraudulent charges on my credit card. Midland Credit told me today when I called them that my card was used fraudulently three times in XXXX XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my XXXX MasterCard once to purchase my mattress. Midland Credit advised me today that once my XXXX XXXX Mastercard was charged off and closed that it would not show up on my credit report. XXXX at Midland Credit told me it was the policy at XXXX to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX XXXX, MO. XXXX, XXXX and Midland Credit Management are attempting debt collection on fraudulent charges.
|
| 06/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
back in XXXX we were not aware of a credit card open in a frauduent name husband name for aspire credit card, we found out in XXXX when my XXXX husband was notified in mail by a summons for a judgement of XXXX then I started to let them know that it was not ours and we had no knowledge of any credit card. I received no response from midland funding debt collector. I called and they would not listen. in XXXX we get another summons by them but noticed it was taken out of collections so we had not idea it was in public record for XXXX we proceeded to try to settle with them but they wanted XXXX I offered XXXX then I offered XXXX but they wont settle, they know my husband is XXXX years old and XXXX and XXXX but midland funding just keeps sending summons in our mail box and I keep writing to them stating we are willing to pay for just to get it off but at this point I do n't want to pay I want to take them to court to get this off and tell our side of the situation. they are rude and lie and say they will draw up a contract of payment so I can review it and move forward, so I have disputed it with the XXXX and XXXX to vacate the public record and get it off we are still awaiting, midland funding is a 3 rd party debt collector being sued by a class action law suit I would like to see justice done with them.
thank you. attached are letters I tried to offer.
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
Midland Credit has been sending me letters and calling dozens of times a day for months. I have disputed this debt multiple times with both credit bureaus and have gotten absolutely nowhere as they just send the exact same documents to me and state that I am responsible for this debt.
I am NOT responsible for this debt and I have notified them multiple times over the past 2 years. I am now being sued in court by a lawyer and have a court date on the XXXXXXXX XXXX XXXXXXXX. I am a XXXX percent XXXX XXXX and only collect my XXXX benefits. I have no other source of income. They do not " investigate '' the dispute, they just send the same documentation accusing me of a debt that is not mine.
I have been threatened with legal action AND now have a court date. I can not afford a lawyer.
I can't dispute the debt anymore than I already have with continuing to be ignored in my disputes and then threatened legal action and to take my XXXX pay.
This is not my debt as I have communicated this over XXXX times now. I do not work and only have my XXXX benefits so on top of hundreds of phone calls and letters, to include letters from a lawyer, I have not only been threatened with legal action, I have had it taken against me for a debt that is not mine and have to go to court for this.
I have also had the sheriffs department show up at my door and serve me.
|
| 02/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail.
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested.
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
|
| 07/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX received letter from XXXX XXXX our account was sold to Midland Credit Center for nonpayment XX/XX/XXXX @ XXXX XX/XX/XXXX spk/w XXXX to explain problem XXXX XX/XX/XXXXspk/w XXXX re same as above XXXX XX/XX/XXXX spk/w XXXX re same XXXX XXXX spk/w XXXX XXXX XXXX re same XXXX XXXX spk/w XXXX XXXX XXXX Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call ended @ XXXX.
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill.
XX/XX/XXXX received a welcome from Midland Credit Management. Also sent CEOs of XXXX XXXX and XXXX a letter describing our plight. Received calls from both. Described plight again. XXXX said bill returned by USPS unknown at address. When asked what was purchased, XXXX said no. When asked if we could see the returned envelope, XXXX XXXX XX/XX/XXXX again said no. XXXX also stated no further bills were sent nor any phone calls made regarding this now cancelled account.
XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}.
XX/XX/XXXX received letter from XXXX stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.
|
| 05/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I XXXX contacted XXXX by certified letter in XX/XX/XXXX requesting debt validation including : Name of the original creditor, including account number.
Original amount owed, including a complete payment history, starting with the original creditor.
Finally, Documentation that indicates that I agreed to pay someone this sum of money.
XXXX responded with a letter dated XX/XX/XXXX on company letterhead just stating that they are unable to determine the nature of my dispute and that they are closing the investigation. None of the information I requested was provided. I contacted XXXX as a final attempt by phone sometime around XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor.
Copy of the contract that states I promise to pay this back from the original creditor.
I was told by XXXX 's collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections which he said was XX/XX/XXXX. I am confused by what he said. I am simply asking XXXX to provide me the information I requested to complete my validation.
|
| 11/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company has been communicating with me without my expressed consent. I had told them to stop and they continue which means that they do not care about violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that midland credit has chosen to continue to communicate with. All this is for the following account XXXX Furthermore they have stated that they only need to honor direct communication which is complete disobedience to federal law and complete willful violation of my right to privacy. In my dispute letter I made it clear that I wanted no more contact from this company unless it was to respond to a cfpb complaint or to send me a copy of the entire purchase agreement ( which they have not ). I demand them to cease because if they do not I am prepare to litigate. Additionally they have not validated the debt as they can not because I did not endorse a contract with midland credit pursuant to UCC 3-203, all they did was just purchase a contract and attempting to collect on it which violates federal law. This is also why they do not want to send me the entire purchase agreement ( not just the bill of sale ) and other validating data pursuant to 12 CFR 1006.34.
|
| 10/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX a credit card was opened in my name from my phone, I did not open this account nor was it authorized to be open. My wallet came up missing a few times but always came up my truck window was broke around that time I forget being a soccer dad a lot of moving parts leave my wallet on the seat a few times. I think someone stole my information because I had no cash either time but my social and driver license. I had no knowledge of the until recently I joined XXXX XXXX. For over two decades my brother has use my name his aka is me. Please help with this manner I have had a lot of fraud on my account over the years. Also on XX/XX/XXXX fraudulent charges occurred from XXXX. On the date this card was open from my phone there were many people over at where I live visiting friends and family many people used my phone all my personal info has been compromised etc. People have stolen my money wallet phone etc. over the years. I have XXXX XXXX. and XXXX from all the abuse. I have been XXXX twice from him using my name and stealing my identity mailing court paperwork to his home address. I have given you possibilities please help me with this manner this is not my account. My information has been out there for a while. I disputed with all agencies and then XXXX deleted it but then it came back as a collection. Didn't understand that?
Sincerely
|
| 05/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2011 I applied for a XXXX loan online in order to pay off a bill that was about to go into collections the next day. I filled out the necessary information and got a call saying I was approved and needed to send in a voided check to process the loan. I asked about paying off early and was assured that this would not be a problem. They told me if I did not pay on time I would be charged every two weeks XXXX dollars until the debt was paid. I paid off my bill and three days later paid the loan off early online. I didn't think anything of it until I noticed my bank account was lower than it should have been. I tried calling the number they called me on and it was disconnected. I tried calling the number the bank provided and no answer ( I called at least 10 times that day ). They wound up taking XXXX dollars from me before I was able to switch accounts. Now 7 years later they have turned this over to a debt collection agency that is the fifth one or so that has tried to collect. Every time I explain the situation to them I get a cease and desist on my account which goes well for about a year before it goes to another agency. This last one actually provided me details and amount as well as what I suppossedely currently owe ( XXXX now ). I'm tired of this and just want it to stop. In my XXXX and still trying to save more than XXXX bucks a week
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
On XX/XX/XXXX a alleged court officer claimed that there was seizure order on my vehicle from a fraudulent case XXXX where a company I had no contact with XXXX XXXX XXXX filed a case in XXXX. I called XXXX XXXX XXXX Police they came checked for warrants found none but still allowed clearly fake court seizure. For some reason neither my legal service, nor any lawyers would defend me. I filed insurance claims called lawyers and received strange responses including mailed request, This had been a year where constant bank errors, XXXX XXXX, credit cards being cancelled without cause, constant calls requesting another person etc. I filed response and finally another law firm sent me s certificate of Satisfied judgment from a Midland Funding LLC for another fraudulent case number in another court area I didnt live in, case number XXXX in XXXX XXXX XXXX XXXX A case was dismissed with that case number for fraudulent filing. In spite of several companies being involved with proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd several credit card and XXXX XXXX XXXX Police, my Civil Liberties was being violated and monies stolen in phone calls from XXXX and XXXX and Xfinity were clearly being redirected. I have documents to prove items but with is very much Shady event as a result many agencies seem to be trying to protect reputations instead of my rights.
|
| 05/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identityA copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
|
| 04/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I spoke with a representative named XXXX from Midland Credit Management , Inc on XXXX XXXX , XXXX . I requested a Validation of Debt because as a consumer it is my right. Instead of honoring my request, the " supervisor '' got on the phone and started asking questions about why I would need that information. On XXXX XXXX , XXXX , I sent a request for a Validation of Debt letter because I was disputing the debt. That information is stated in my letter. I sent the letter certified mail with a return receipt to the address provided on the back of the collections letter where it states to direct all disputes. I received my return receipt back with the date stamped XXXX XXXX , XXXX signed by XXXX XXXX . I am still receiving collection calls up to XXXX calls a day. Some from unknown or unlisted numbers. Also during the call on XXXX XXXX , XXXX the supervisor stated that if she did not get this matter resolved they would have to " forward this information over to their attorneys, '' which to me is threatening when she simply could have provided information as to where I could send my XXXX letter. I would also like to add that when the supervisor got on the line she did not state that she was on a recorded line. I did not record the phone conversation, but the call took place on XXXX XXXX , XXXX at XXXX EST.
|
| 02/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2020 around XXXX XXXX., I was contacted by Midland Credit Management , Inc. , by its representative, XXXX XXXX regarding an alleged past due credit card bill. The collector started off by telling me that the company plans to bring this account into ligation. Which means is planning on suing me for a past due charged of debt that I am making attempts to resolve. I questioned him and ask why is this sounds like a threat. I felt uneasy, but continued the call. I remained respectful and explain why I fell behind on several credit obligations.
Be advised that Midland Credit Management bought this debt from XXXX ( also known as a XXXX XXXX XXXX XXXX ). MCM by its representative is threatening to take legal actions and bring this matter into litigation. XXXX XXXX 's supervisor got on the phone to approved a potential payment plan and I mentioned that I was uncomfortable with giving out my banking info at this time that I'd need to think and review some things first. He became very disrespectful and very condescending. For someone who is trying to resolve such matter, I did not think this type of disrespect was called for.
I request that Midland Credit Management would cease and desist immediately.
Further, I pray that MCM learn how to speak to people who actually plans to pay their pass due bills, if indeed they do owe.
Thank you, XXXX
|
| 01/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am fearful that Midland Credit Management ( " MCM '' ) is using deceptive practices. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation through certified mail. It was received and signed on XX/XX/XXXX. Yesterday, XX/XX/XXXX, I received from them a threatening pre legal notification. I have two concerns ; first, the letter is dated XX/XX/XXXX and came in an envelope that is not postmarked. Secondly, under the Fair Debt Collection Practices Act, when validation is requested the Collector must cease all activities ; including credit reporting after a validation request is sent. With this in mind, Midland Credit Management ( " MCM '' ) has violated this law. They have yet to respond to my affidavit of notice for demand of debt validation ; yet, sent a pre-legal notification letter -falsifying the date of the letter, while still in the 30 day validation period I allowed them. Their falsification of the date can appear as if it was sent prior to my affidavit of notice for demand of debt validation and I would like to go on record ... with proof that this is a direct violation of the Fair Debt Collection Practice Act and Defamation of Character as they are still reporting inaccurate information to the credit reporting agencies. I respectfully ask for assistance with this matter. Please see the attached proof of my complaint.
|
| 10/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
At XXXX XXXX XXXX on XXXX/XXXX/17, I called XXXX to contact them regarding notices of three debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.
|
| 08/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
XX/XX/20 I received a call from your Midland Credit Mgmnt, a debt collector. XXXX stated it is a XXXX XXXX visa account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements.
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact XXXX XXXX
The same day, I contacted XXXX XXXX and sent them a letter and to this date, have not heard back.
Mid-XXXX, I received another call from MCM, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM.
We heard nothing until today. A call from XXXX XXXX at MCM. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges.
I am now frustrated beyond words and is requesting your assistance in this matter.
|
| 12/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
The company I am reporting is XXXX XXXX for a debt in the amount of XXXX. I had paperwork to submit to Midland regarding a hardhsip appplication, due to me being out of work. I was told they couldnt communicate with me and contact the law firm at XXXX. After numerous of calls I finally got an answer from an secetary who inform me that Midland has to negotiate with consumers involving settlements and hardships. ( Of course Midland will tell you I didnt call the lawfirm as usual=-but I did ). Recently tried to resolve the collection with XXXX XXXX before and only have been giving the run around or no response. I sent a certified letter ( signature required to show proof it was received ) and I have gotten no response from this company. I trying to settle with this company to pay off the debt and have it removed from my report. However it seems like they are denying payment offers, but continue to report debt. I request that the issue be throughly investigated and documents sent to address on file for hardship.
If the matter can not be acknowledge and no payment is being accepted, please remove the collection from report immediately.
Attached is a copy of the letter sent to Midland, and a copy of the last letter I have received from Midland showing proof that they are owners of the account and to conact them with issues ( But No response ).
|
| 11/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Midland Credit Managment contacted via phone on XX/XX/2019 saying they were trying to collect a debt for XXXX XXXX ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box .
I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. MCM never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called MCM on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 XXXX to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from XXXX XXXX. That in no way validates that they actually bought the account.
I need validation that they have the authority to collect this debt before I make any promises for payment to them.
|
| 02/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
|
| 09/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On, or about XX/XX/21 I received an email from XXXX XXXX XXXX stating that they closed and charged-off my XXXX account then sold the fraudulent debt to Midland Credit Management XXXX Inc. , despite ongoing litigation.
On, or about XX/XX/21 I called Midland Credit Management XXXX Inc., but the representative I spoke with said, Midland was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if Midland does take possession of the account, Im going to name Midland Credit Management , Inc. as a defendant during litigation as well.
On, or about XX/XX/21 I received an email from Midland Credit Management XXXX Inc. stating that they had purchased the fraudulent XXXX account from XXXX XXXX Bank, despite our previous conversation. So, once again, I called Midland to explain the situation, but I was blown off by the representative I spoke with. The representative did say, Midland Credit Management , Inc. will investigate my claim and get back to me. Then, with some prodding, I got a response date of withing 90 days.
So, holding true to my word, I am formally naming Midland Credit Management , Inc. a defendant.
Midland Credit Management , Inc .
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.midlandcreditonline.com
|
| 07/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In the month of XX/XX/2018, I sent a {$47.00} money order to XXXX XXXX to pay off the debt in full for a collection account I owed. According to XXXX XXXX Policy on their own web site, it states once a bill is paid in full, Midland will then remove the collection from the credit report. I sent the money order certified mail with return receipt. I was recently shocked that on my XXXX credit report they increased my balanced owed to XXXX dollars on my experian credit report. On my XXXX report, the balance is now showing XXXX dollars. For the past year, my account balance has been XXXX dollars. Now all of a sudden, when i choose to pay the debt off in full, XXXXXXXX XXXX changes the amount I owe. They are committing fraud by changing my balance constantly so I will keep paying..They purposely created their own accounting records and make up fictitious balances so that I would have to keep paying in a never ending cycle.I would like Midland to be fined for creating false accounting documents for my account and I would like it removed from all my credit bureau reports immediately . I would like XXXX XXXX to show the original instrument that shows I owe the debt, I want full accounting records showing my methods of payment for this account, and I would like Midland to provide documents that show they own the debt from the original creditor.
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.
Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
|
| 02/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear MIDLAND CREDIT MANAGEMENT Account # XXXX ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing this letter due to the actions that Midland Credit Management XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to.
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation.
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company.
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Midland Credit Management XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor.
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report.
Sincerely yours, XXXX XXXX
|
| 05/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to Midland Funding/ Midland Credit Management on multiple attempts to validation this alleged debt. The initial contact was XX/XX/2020 disputing this alleged debt asking for a contractual agreement with my wet signature showing I was in a contract with Midland Funding. They sent a return letter asking me to provide contracts documents and bills or statement to further THEIR research. Midland Funding has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.They are hurting my credit report and has shown no proof that I owe this alleged that to them. All three bureau have three completely origin date which is another inaccuracies when they can not provide ME with no contractual agreement between myself and Midland Funding. This is embarrassing and defaming to my character. I expect this to be removed immediately.
|
| 03/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In mid 2019 I became aware that midland funding was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. Midland Funding is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.
|
| 03/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was sent a letter that was misleading. It states that I have a certain amount of time to dispute this and then there is another date on the back that states a different date. I disputed this right away asking for more information. I sent them a Debt VOD letter I didnt hear anything in response to that letter because by the time they could have received they sent one 2-day air stating they were going to sue me. They didn't give me any time to dispute this they also have been harassing me at work and at home. They have called my job they have sent a letter to my office. They have called my husband Millions of times asking about me. I have asked them to send more information on who they are and what they want they will give me nothing I have asked for. I called them after receiving threats they are going to forward my information to a lawyer. I don't know what personally information they have sent over to another person. I do not want them to send this information without my consent if they are who they truly say they are I would like them to verify my information me before I start giving them my hard-earned money that is not too much to ask. And if they could not jeopardize where I work That would be great. I feel like my back is up against the wall and these people are taking advantage of people that arent aware of what they are doing.
|
| 02/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midland Funding LLC was awarded a judgement against me ( XXXX County Court/NJ Docket # XXXX ). The judgement was from a debt back in XX/XX/XXXX, I satisfied this debt in accordance with said judgement in XX/XX/XXXX. I moved shortly thereafter and the address on file ( XXXX XXXX XXXX XXXX NJ ) was outdated. There was no mail correspondence forwarded to my new primary residence ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) so I never received the documentation ( Warrant of Release ) required by law in order to file with the court to have this judgment reflect " satisfied/closed ''. I am in the process of getting final approval for a mortgage and need to correct the status of the judgement in question with the court prior to closing. I have reached out multiple times to Midland Funding LLC and have received varying answers from " they show it was mailed '', " they do not provide copies '', " in my state they don't file the warrant with the court that the debtor has to '', and " they did what they had to do with the court ''. The last one is inaccurate because my last call was to the actual court and they informed me Midland Funding did not in fact file any warrant with the court in regards to the judgement being satisfied. I find it extremely unprofessional that nobody is on the same page and can not provide proper guidance and required documents.
|
| 12/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written to this company on multiple occasions to get this issue resolved. I have never had services with this company, and I am not aware of who they are. They are claiming that I owe a debt for services or merchandise that I have no knowledge of. I have informed this company that this is a case of fraud and identity theft, and I have asked them to cease reporting this fraudulent information to the credit reporting agencies. They have refused to remove this from my credit, and now I am prepared to seek litigation for monetary damages. This fraudulent entry on my credit report has caused me great financial distress. Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you XXXX again for your time and I look forward to having Midland Credit Management removed from my credit file.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022 approximately 6 months ago XXXX XXXX XXXX, the original creditor opened an or placed an account for collection without my knowledge! I was receiving phone calls after phone calls from a collection agency that at the time I had no knowledge of. On XX/XX/2022 MIDLAND CREDIT MANAGEMENT revealed themselves on my credit report with a balance of {$480.00}. I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!
|
| 03/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My first knowledge of this debt was when I get court papers stating that I am being sued. When I look at the documents provided by Midland credit management I find that the statements provided were from a person who shared a similar name and a different address. I dont know how these attorneys got hold of my address to sue me. Since I am already in court and have to send an answer I let the court know in my response that that is not my credit card account and that is not my address. I have lived in my current address for the last 15-16 years. I dont know any one in that address not even in that town. I send a copy of my response to the Midland attorneys as directed by the court. As a result I begin getting requests from midlands attorneys to provide to them all my personal information in order for me to prove it is fraud. Why would I do that if they are supposed to have that information if they claim I opened a credit card and owe money. I am right now waiting for the hearing in the coming month but I am unemployed and dont have an attorney and the court could not provide one for me. Midland has no proof that I possess that credit card and are making the papers in the court look like I received those statements, misleading the court. I requesting that they stop this unfair law suit and stop asking for my personal information. Thank you
|
| 06/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a letter was sent to me from Midland Credit Management claiming that I owed {$500.00} for a a XXXX XXXX XXXX XXXX 's account. Per the FCRA, I should have had 30 days to dispute these claims but the letter gave me until XX/XX/XXXX, however didn't even receive the letter until after that date. I sent in my dispute and it was received within 30 days of the date of the original letter on XX/XX/XXXX. I included tracking and signature required on the dispute letter to Midland Credit Management. And the proof of delivery on XXXX 's website, states it was delivered to their mailroom and signed for in XX/XX/XXXX. I did not hear back from Midland Credit Management regarding the dispute and none of the information I requested was received. The only thing I have received from Midland Credit Management was another debt collection letter dated XX/XX/XXXX. From the date my dispute letter was received by Midland a credit Management XX/XX/XXXX to the date I received my next credit collection letter ( not verifying the debt ) on XX/XX/XXXX. that is 55 days. The FCRA says that if a debt can not be verified in 30 days then all collection activity must stop until it is verified. Midland Credit Management violated my rights by sending a second collection notice on XX/XX/XXXX without first verifying and responding to my dispute on XX/XX/XXXX.
|
| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My initial communication with MIDLAND CREDIT MANAGEMENT LLC was on XX/XX/2022, where I requested a validation of this alleged debt. The reporting of this alleged debt is a result of identity theft. I did not initiate any transaction with MIDLAND CREDIT MANAGEMENT LLC. I requested LEGAL proof that I have an obligation to MIDLAND CREDIT MANAGEMENT LLC. Also, in XXXX of 2022 I sent a Cease and Desist. Cease and Desist means ALL forms of communication including credit reporting. The amount of this alleged debt is {$2600.00} and due to the reporting of this false debt my credit score and credit worthiness has dropped immensely, currently affecting my ability to apply for a new home. I have not granted MIDLAND CREDIT MANAGEMENT LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt the claim I owe. In your companies response to my previous complaint you stated, " Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. '' You clearly left out the word LEGALLY when referring to the new third-party purchaser because you do not have the legal right. Delete this account from my consumer report or I will file suit against you for theft by deception and identity theft.
|
| 08/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Midland Funding , LLC ; BY ITS SERVINGS AGENT ; MIDLAND CREDIT MANAGEMENT INC XXXX CA XXXX, XXXX XXXX XXXX XXXX LAW FIRM ; XXXX WI XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt.
Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees.
I have informed them of this XXXX times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone.
|
| 09/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX ( again restricted ), XXXX XXXX, and XXXX XXXX from Midland Credit Management. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to.
The person who contact me anonymously on XX/XX/2019 at XXXX XXXX EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to XXXX XXXX and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing this complaint against Midland Credit Management. Midland has failed to provide me with requested information about the alleged debt. I have made several attempts to rectify this by written dispute letters to them and the credit reporting agencies. All of my efforts in sending certified letters to them were of little or no avail. On XX/XX/2019, I received a demand letter from this debt collector Midland, stating they were " uncertain of what you are specifically disputing ''. In my disputed letters, I clearly and respectfully ask in my letter for documentation of the following : ( 1 ) The signed copy of the original consumer contract, a contractual agreement that you say I owe and agreed to pay you ; ( 2 ) Any receipt ( s ) of sale ( s ) of the alleged debt ; ( 3 ) Copy of your debt collection rights, license or any proof that Midland is licensed to collect this debt in the state of Florida. Midland 's demand letter never included any of the requested information that would show ownership of this account. Let it also be mentioned, that failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the alleged debt. I hope this matter can be resolved soon and that it be taken care of amicably as my credit has taken a hit because of it.
|
| 06/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report.
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.
2. Proof that you have the right to collect this debt in my state.
3. Proof that your company carries a bond.
4. Proof of how your company assessed the outstanding debt.
5. Payment history from the original creditor.
6. Name and address from the original creditor.
7. Copy of the original contract bearing my signature.
8. Chain of title on this debt.
9. Proof that you can collect this debt from me.
10.Do you own or is this debt assigned?
11.Copies of all letters sent to me from you and the original creditor regarding this debt.
12.How much did you buy the debt for?
13.When was the last date a payment was made on this debt?
14.What fees/interest was tacked onto the debt?
15.How were the fees determined?
Thank you for your time and cooperation.
|
| 04/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I never received anything by mail no written Validation notice or a phone call if they called my phone they did not leave a message. I just found out about this debt thorugh XXXX when I received an email stating there were changes to my credit report. I checked my credit and saw my score had went down I saw that this company Midland Funding LLC was on my credit report saying I owe XXXX. I called the number on my credit report XXXX The gentlemen that answered never announced the name of the company just picked up and said this call may be recorded or monitored. He could baily speak English he could not under me I could not understand him I got so frustrated I hung up. I took this as being a scam. I looked at my report and saw that the original creditor was XXXX per my credit report that acct has been closed-charged off as bad debt showing amount past due {$0.00} Last reported by XXXX XX/XX/2016 Midland Funding is showing XXXX open date XX/XX/2016. It looks as though Midland Funding brought this acct. How can you but something on my credit report with an owed about that is incorrect and never contacted me or sent me anything by mail I am very upset about this. I will be contacting the credit Bureau to have this removed from my credit report and I will be contacting the Better Business Bureau. Please attached supporting documentation.
|
| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I ACH payment with XXXX XXXX on XXXX of XXXX of XXXX although the balance was XXXX as my credit line was XXXX we spoke on several different times concerning my account. As I had insurance to cover the credit card as the payments where being paid every month for six months. Next XXXX XXXX blocked my card. I never charged anything although the statement said a charge was made on my card electronic. When I asked about it XXXX XXXX just asked for money. Now Midland Credit Management as of XX/XX/XXXX is bringing my credit score down as if XXXX XXXX has my credit card open by {$1.00} decrease causing my credit score to drop by XXXX points. As of XXXX I then again went on Midland Credit Management and paid another XXXX online. As Midland Credit management continues to bill me by mail as if I didn't have a confirmation number with the payment online with my information. Next I noticed Midland Credit management has two different personalities one in XXXX XXXX, California and another in XXXX, Mi playing one location against the other over and over again on my XXXX when I disputed a few times before it was deleted and here Midland Credit management again. And the same things happened with the XXXX XXXX XXXX XXXX as over XXXX people are filing complaints similar to what happened with my credit card with XXXX XXXX XXXX secured credit card.
|
| 12/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an account with Midland Credit Management, they are handling an old credit card that I had through XXXX. I went to make my monthly payment online and the XXXX system was down. I tried again the same day to make the payment online and was able to do so. However, I received a late fee. I disputed this fee but XXXX would not removed the fee. I refused to pay the fee due to this not being my fault. The fee 's kept building there after. Midland Credit Management took over my account and I disputed this charges once again. I then received a warrant in debt from Midland where I had to appear in court. I paid the account off in advance just to not have to go to court and possibly jeopardize my job. I stated that I disputed my account before the lawsuit, how could they sue me? I have paperwork showing that my account balance in {$0.00}. I just got a statement from Midland Credit Management stating that I owe them {$120.00}. Nobody with MCM can tell me anything about this debt owed now. I have paid all debts, I don't understand how you can sue someone if they are disputing the account and fee 's and the company wont even take a look at the account. I have suffered tremendously because of this company. They have put my job in jeopardy, caused unwanted stress, ruined my XXXX, and yet I cant even get help or an answer from this company.
|
| 12/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
On XX/XX/2023 a server arrived at the home address to serve paperwork. Another adult at the house accepted the paperwork while I was on the phone with him. The summons stated that " On XX/XX/2023 at XXXX in the XXXX XXXX XXXX, XXXX XXXX, Colorado, if an answer is not filed, the Court may be asked to enter judgment against you as set for in the Complaint. '' On XX/XX/XXXX, I signed up with XXXX and created a " Motion to compel arbitration and stay proceedings '' As it is a requirement of Midland Credit Management , Inc . Terms and Conditions before any court proceedings.
On XX/XX/XXXX, I went to XXXX and mailed out a certified letter to be signed by the attorneys who created the paperwork that was served to the address and later given to me. I then went to the XXXX XXXX XXXX who stated Midland Credit Management did not file anything and couldn't take my motion since there was no court case and asked for me to return tomorrow.
On XX/XX/XXXX, I went back to XXXX XXXX XXXX who stated again there was no case. Two county clerk admins looked for my information and went through active cases and summons and failed to find my information anywhere. They have provided and sealed such paperwork stating there was no record. The motion that I have certified sent to them is being still delivered and don't know what that would mean on my end.
|
| 04/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX I was served a summons for payment on a debt. I signed and agreed.
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt.
XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done.
XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.
|
| 07/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.
|
| 02/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent documents to Midland Credit Management telling them I don't owe the alleged debt and they keep harassing me by sending me letters in the mail and calling my phone saying I owe. I don't know what is going on right now. They keep saying I owe {$13000.00} and they are falsely reporting to the credit bureaus. XXXX and XXXX show {$13000.00}. I am so confused This corporation has violated the CFPA and FDCPA before.
Midland Credit Management , IncXXXX ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} billion and annual net income exceeding {$75.00} million. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty
|
| 12/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was opened an XXXX XXXX XX/XX/XXXX.
Card was sponsored by XXXX XXXX : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XX/XX/XXXX. The Only 1st and last Purchase I have ever done on that card.
I made full payment on the exact amount on XX/XX/XXXX with XXXX because they said, they have't received the check i mailed to them. XX/XX/XXXX.
On XX/XX/XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties.
XX/XX/XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from XXXX XXXX.
At the end of XX/XX/XXXX, I have contacted XXXX XXXX Department, but they told me the account was sold to Midland.
I only Made one transaction on that account and it was {$36.00} which I paid in full.
They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history.
on XX/XX/XXXX, I wrote a letter to _ XXXX / XXXX XXXX and XXXX XXXX, On XX/XX/XXXX, I received letter from XXXX XXXX Stating this account / matter relating was sold to XXXX XXXX XXXX, on XX/XX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}
|
| 05/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me with this time is XXXX statement that dont have my full legal name and an address that I never live at. To this Alleged account that you can not prove is mine. I know this account is not mine because you showing me my XXXX XXXX address we have the same name.
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or Original Purchase agreement. Said contract or Original Purchase agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. Please include all the terms and conditions that are in this said Contract or Original Purchase agreement.
XXXX non fit XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You MIDLAND CREDIT XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX non fit XXXX
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021 my credit file took a XXXX point hit for a collection on a debt by Midland Credit Management attempting to collect a debt for XXXX XXXX. I called the collection company and spoke to a manager who I assured this is a mistake. I also sent a Validation of Debt on this date. Every 7 days after the company reports to the credit bureaus which is damaging my credit trustworthiness. On XX/XX/2021 I took another XXXX point hit and I contacted the company again and they advised me that I needed to submit a police report for consideration of the debt to be removed. I told them the only police report related to my credit is a ex significant other using my XXXX XXXX credit car in XXXX. They told me they could not help. On XX/XX/2021 I took yet another derogatory mark from the debt collection company. I contacted them and advised them that they are almost of for the validation of debt which and gave them more information on the denial to obtain a report that didnt directly describe the account in question. I contacted the credit bureaus immediately after and found addresses, hard inquires and other suspicious activity and had them flag my credit activity as fraudulent activity. Midland Credit Management is now 6 days over the 30 days to provide me with a validation of debt and continues to falsely report to the credit bureaus.
|
| 03/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am XXXX XXXX a federally protected consumer and I am making another complaint against Midland Credit Management regarding an account that they purchased from XXXX XXXX I have sent your company several correspondences, however, they always seem to be returned to me, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Midland Credit Management any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I still have not validated any alleged debt with Midland Credit Management and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX, MIDLAND CREDIT MANAGEMENT, and myself, giving Midland Credit Management any right to collect on this alleged debt. It is my belief that Midland Credit Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA. Please see attached documents for reference.
|
| 07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
before the pandemic i stared i got a contract with XXXX XXXX on XX/XX/2020, but 2 month after covid stared and i stared having a lot of financial problems cause my income went lower, i call them to ask them to please stop the payments explaining the situation, the also opened an credit account and instead of they stop with the payment even i make a few of the payments the increased from {$500.00} to almost {$800.00} dollars, they send me to collection from the same company and i called them to ask them to stop cause im not willing to take vacations for now, I'm a healthcare worker and this is not the right time to be taking any type of vacations cause we don't know when this is going to stop. i called the credit card collectors and i ask them to stop calling me and to removed the balance cause i never used the services of XXXX XXXX the only thing i did was paid and looses money. The collector continues calling me at least every 5 minutes in the entire day i have blocked many numbers but they call and call. i dont want to deal with them and i don't want their services cause they are very desconsiderates this is a pandemic they should do exceptions with the clients if is that they really want the people to go and uses their resorts, this is the worse experience ever. i don't want them to keep calling me.
thanks for your help.
|
| 11/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and you reported you confirmed the account as valid with a copy of a BILL STATEMENT. I asked for VALIDATION. I do not believe we have any relationship with this collection agency. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt VALIDATION not VERIFICATION, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 04/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
This XXXX i receieved XXXX phone calls from seperate numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX ) ] and seperate people claiming to represent a company called Legal Recovery Solutions. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " XXXX XXXX ' XXXX '', which is a legitimate debt.
At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from XXXX XXXX XXXX had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
|
| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
UCC1-308 ALL RIGHTS RESERVED NON-WAIVED MIDLAND CREDIT MANAGEMENT WAS NOTIFIED BY A CEASE AND DESIST DATED XX/XX/2023. XX/XX/2023, LOOKING AT MY MOST RECENT CREDIT REPORT, MCM HAS VIOLATED THE CESE AND DESIST. THIS IS NOW SUBJECT TO LEGAL ACTION. NOT ONLY THIS HAS HAPPENED, WHO IS THIS COMPANY AND WHO ARE YOU REPRESENTING BECAUSE I HAVE NEVER HEARD OF YOU. ITHIS IS AGGRAVATED IDENTITY THEFT TO THE HIGHEST EXTENT BECUSE THIS ACCOUNT DOES NOT BELONG TO ME.
MIDLAND CREDIT MANAGEMENT HAS COMMITTED SERIOUS VIOLATION ( S ) WHEN IT PERTAINS TO MY CONSUMER RIGHTS. MCM IS IN VIOLATION IS IN VIOLATION OF : 1.5.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 2.15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 3.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 4.15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 5. 18 USC 1028- AGGRAVATED THEFT 6. 15 USC 1692 e ( 8 ) - FALSE OR MISLEADING REPRESENTATIONS 7. 15 USC 1601- TRUTH AND LENDING ACT MCM ALSO VIOLATED A CEASE AND DESIST ORDER ( CEASE AND DESIST SENT XXXX ) EVERY VIOLATION THAT HAS BEEN COMMITTED, I WILL BE SEEKING {$20000.00} PER VIOLATION. YOU HAVE 3 DAYS TO RESPOND AND REMOVE OFF OF MY CREDIT REPORT ( S ).
UCC1-308 ALL RIGHTS RESERVED NON-WAIVED
|
| 04/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against MCM for their failure to properly verify a debt that they claim I owe. I have already requested verification of the debt in writing as per the Fair Debt Collection Practices Act, but MCM failed to provide me with the necessary documentation.
I received a response from MCM, but the verification of the debt did not include a signed credit card agreement, which is required under the law to prove that the debt is valid and enforceable. Without a signed agreement, I have no way of knowing if this debt is legitimate.
I have attempted to resolve this issue directly with Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX ID : XXXX ), but they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act.
Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX.
|
| 10/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.
|
| 02/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XXXX I enrolled into a debt counseling program. I gave them all my credit info. And never opened any new accounts due to wanting to get out of debt. In XXXX or XX/XX/XXXX I received a call from the debt counseling company asking if I wanted to add the new debt of XXXX. I advised them i never opened any new credit cards nor had I had any new debt. They gave me the number of the company claiming I owe them XXXX. I called the number which was Midland credit management XXXX XXXX XXXX. They would not.give me any information on the account I told.them I never opened an account with them and wanted to know who opened the account. They just kept transferring me over and over. Never giving me any information just wanting to collect money from me. So I ignored this fraud claim thinking they got the hint I was not going to pay them any money. So, today I checked my free credit report and noticed this company is on my credit report it had the date the card was opened how much is due. So I called them again to let them know I never opened this account and asked for information on who opened the account and again I was transferred over again. Also, when I call they answer the phone as if they were home and not.in a professional setting. I dont know what to do and how to dispute this fraud. Any help would be greatly appreciated.
XXXX
|
| 07/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
RE : Cease and Desist MIDLAND CREDIT MANAG currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : XXXX XXXX - MIDLAND CREDIT MANAG within 30 days from receipt of this notice.
|
| 01/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Midland Credit Mgt ; XXXX XXXX ; cfpb ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 03/26/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX has reported a {$2500.00} account in collection on my XXXX credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as XXXX for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in XX/XX/2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency XXXX have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.
|
| 10/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my second complaint because I 'm very dissatisfied because I still do n't have any proof of validation and You closed my case. My prior complaint # XXXX. The only thing provided was an old statement from 2014 from XXXX XXXX. I have sent them a certified 609 letter to validate and Midland still has not done so. I have copies of all my documents and receipts sent. I demand it to be removed immediately!
And according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Midland Funding is required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and/or reported on a credit report.
And has not done so!!!
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for this account.
Under the FCRA, unverified, invalid accounts must be removed.
Midland Funding, has been unable to provide me with proof.
The law is very clear as to Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) since Midland has failed to comply with the Federal Law.
I demand this collection removed from my credit report!
|
| 11/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I, XXXX XXXX am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic. I also requested that Midland immediately cease any further communication regarding debts allegedly owed by me in my original CFPB complaint submitted in XXXX of this year, however I continue to receive threatening letters in spite of my request to cease all communication. This is harassment and a violation of the FDCPA. I am a senior citizen and in poor health and this is taking its toll on me. It 's unfortunate that Midland can get away with completely ignoring my complaint and requests. This debt collector is clearly predatory and takes advantage of unknowing victims. I am asking one last time for a dignified response and for Midland to take action to close and disassociate any accounts tied to my name or social security number.
|
| 07/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND CREDIT for committing theft and threatening to take legal action they have no grounds to take pursuant to 15 USC 1692i ( b ) I never gave MIDLAND CREDIT permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I was also contacted by phone in which I requested to be put on the do not call list in which they threaten me with a lawsuit. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until MIDLAND CREDIT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen.
Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score?
Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices!
I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management/XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.
|
| 02/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this!
I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen?
I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am requesting proof of validation for this account. I am requesting the following information : The original SIGNED contract signed by myself, XXXX XXXX Proof of ownership of this account According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Please provide method of validation detailing the PAST DUE balance of {$1900.00}. According to XXXX XXXX guidelines, this is inaccurate and needs to be removed from my consumer report IMMEDIATELY.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I am now demanding a Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request.
|
| 05/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midland Funding was collecting money from me, as stated in a response from them, they have collected XXXX $ on an account THAT then WAS transferred, WITHOUT REFLECTING THE UPDATED BALANCE OR GIVEN REASON THEY SOLD MY ACCOUNT. One account that they bought was a result of Identity Theft and since the investigation of identity theft began they sold this second account they were handling, the first company they sold it to was called, XXXX XXXX XXXX XXXX, i contacted the 3 main credit bureaus about this account and due to their investigation, they deleted it, shortly after telling Midland about it being deleted, it appears that they got the account back and sold it to a new company. I am unsure as to why all of this happened and why they collected money from me to just sell it twice, with not reflecting all what i had paid on this account, but the more this goes on, the more i am concerned that this account is as well a result of Identity theft, as well as the other account they were handling. Attached is the police report regarding one of the other accounts that was closed due to identity theft and also attached is when XXXX deleted the account, as midland referenced, account number XXXX, was deleted from my credit report, and lastly attached is Midland 's response when they deleted the main account due to identity theft.
|
| 12/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I came to an agreement with midland on a payment plan that satisfied both parties. The last copy of a document I received was after I made a phone call to set up my payments automatically which states I would pay {$100.00} on XX/XX/XXXX and then subsequent recurring payments of {$100.00} beginning XX/XX/XXXX and last payment of {$100.00} on XX/XX/XXXX. I have made all agreed upon payments which were taken automatically and electronically from my account ending in XXXX as per the agreement. I have upheld my end of the agreement and I no longer owe midland anything for the account they own which was previously an express credit card owned by comenity bank. Midland is showing on their website when I log into my account that I still owe {$230.00} and that my account number with them changed and shows no payment history nor allows me to check my old account number. They sent absolutely no correspondence that my account number was changing. Now they are incorrectly reporting this debt and it is still showing on my credit report and harming me when I have done the right thing and worked hard to repay this debt. I called early XXXX and a specialist said the account was paid off, and did nothing else about it. I have since tried to contact midland multiple times to which I have received zero response and no contact whatsoever.
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I continue, for the past two years, receiving invoices from Midland Credit Management , Inc. ( a debt collection company XXXX XXXX XXXX, XXXX, account number ending XXXX XXXX XXXX XXXX XXXX - Amount : {$340.00}. I tried contacting XXXX at the XXXX number on the invoice over a year ago and when I gave them the last four digits of the Acct. #, they promptly asked me for my social security number ( the person answering the number had a foreign accent ). I hung up realizing the invoice was a SCAM. I pay all my bills on time and do not owe anyone any money and never had a credit card or other account with the four digit account number given on the invoice ( XXXX ). They continue to send me invoices each month, with three options to pay off the {$340.00}, 10 % off, 5 % off or build your own plan. What I find very odd, is they put this invoice each month in a different type of envelope, sometimes big ones, sometimes colored ones which makes me not know who the mail is from, which requires me to open it rather than toss it as SCAM. Please arrange to look into this company. If anything were to happen to me, my estate would think I owed the money, and I do not. I want these scam invoices to stop being sent to my address. There is no return address on the incoming envelope, making it impossible for me to " return to sender. ''
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This communication is in reference to the lack of response after the Affidavit of Truth Ive sent in order to address the violations of my rights MIDLAND CREDIT MANAGEMENT in violation of FDCPA and FCRA for the following : Failure to respond within 30 days of receiving of dispute letter ( 15 use 1692g ) ; Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.
MIDLAND CREDIT MANAGEMENT also doesn't have the right to furnish any information on my consumer credit report ( 15 usc 1681b ( 2 ) ) There are XXXX account being reported on my consumer credit report for this alleged debt.
Attached are the documents that were sent out on XX/XX/2021 via certified mail
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Midland Funding also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Midland Funding is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
|
| 02/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I am writing to dispute an item on my credit report. The item in question is a debt of {$880.00} from an original creditor called XXXXXXXX XXXX that was turned over to Midland Credit Management Services.
I have no information or recollection of this debt owed to XXXXXXXX XXXX and I have not received any communication from them regarding this debt. To my knowledge, I have never had any business or financial relationship with XXXX XXXX
Furthermore, I have reason to believe that Midland Credit Management Services has acted inappropriately regarding this debt. Not only did they send false lawsuit letters to my house, but they also made false statements to my county tax department.
In addition to these false communications, a representative of Midland Credit Management Services made a false claim that he served my wife at our residence before filing a lien on my property at my county office building. It is my understanding that Midland Credit Management Services has a history of using these types of tactics.
I am requesting immediate assistance in resolving this matter. I have already contacted Midland Credit Management Services to dispute this debt, but I have not received a satisfactory response. I ask that this issue be resolved as soon as possible, and that the item in question be removed from my credit report.
|
| 03/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 - Mailed certified letter asking for validation of debt on 4 accounts.
XXXX XXXX XXXX - Certified mail delivered XXXX XXXX XXXX - Letter sent from MCM for verification - only sent a computer generated print-out of the total amount they claim is due, which may not be accurate. Furthermore, they have failed to provide an executed credit contract proving liability of this debtor on the amount claimed, as per my validation request.
XX/XX/2021 - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call.
XX/XX/2021 - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.
|
| 12/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from Midland Credit and they were calling about a Debt with XXXX XXXX. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from XXXX and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from midland credit.
|
| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
ReceivedReceived letter from collection agency ( MCM ), XXXX XXXX, 2016 requesting payment of {$360.00} debit with XXXX. Responded to MCM via certified mail XXXX XXXX, 2016 requested itemized of charges related to debit, copy of any signed contract and proof they were licensed to collect debit in SC. ( I am disputing to total bill ).
Received letter from MCM on XXXX XXXX, 2016 ; letter explained they reviewed notes on account and determined the debit to be valid. I responded, with certified letter to MCM again requesting itemized charges for billed amount, copy of any signed contract and explained I was disputing the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested.
Received another letter from MCM stating the information they have is correct and they are uncertain what I am specifically disputing and asked for written explanation and documentation demonstrating any errors in their account information.
I will be responding to this last letter via certified mail and state in simple language I am disputing the total amount billed, and a simple explanation I do not believe I owe the amount being billed. I will again request itemized charges for the amount billed and copy of any signed contract from the original creditor.
|
| 01/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND CREIDT MANAGEMENT INC. PUCHAED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANS ACTION.
MIDLAND CREIDT MANAGEMENT INC. has been sending me collection notices in the amount of {$2200.00}. They have been threatening to sue me if I do not pay them, and have been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft. Pursuant to18 USC 1028 whosoever during and in relation to any felony violation enumerated in subsection c, knowingly transfers, processes, or uses, without lawful authority, a means of identification of another person shall in addition to punishment provide sor such felony, be sentenced to ter of imprisonment of 2 years. Whoever, during and in elation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or false identification document shall, in addition to the punishment provide for such felony, be sentenced to a term of imprisonment of 5 years.
|
| 04/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2019 I contacted XXXX XXXX bank to locate the owner of my debt. XXXX XXXX sent me a letter ( attached ) with the name and address of the Creditor. It was Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX CA, XXXX ( XXXX ) XXXX. XX/XX/2019 at XXXX PM EST, I contacted the creditor at the above telephone number. I spoke with an operator named XXXX.I told XXXX that XXXX XXXX had stated that they owned my debt and I was calling to settle it. I stated that I was not willing to make any payments over the phone, however I will make a payment at a company website. After he verified my contact information, he stated that the company did not offer online payments. So I asked him to send me an invoice and I will return the bill with a check or money order for the full amount. He told me that they will not send anything without a payment agreement delivered over the phone.I asked for a manager. An XXXX XXXX stated that they would not send anything to me unless I make a payment agreement over the phone. I stated that I dont make any business transactions over the phone. I asked him if he was refusing to accept payment from me and he stated that they will not send me a bill or written explanation of the debt without a payment agreement delivered verbally over the phone.They are preventing me from settling this debt.
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Im at just now receiving information from my employer about garnishment of wage for a debt I never had. I have never received any documentation in mail for any type of debt. Im disputing this claim because I have no knowledge of said debt being collected or created. If I have received any type of documentation in mail I would have disputed it as soon as found out. Im just now learning that someone has created an account under my name and stole my identity and created this debt. I am not the person who submitted any type of debt for this account. My identity has been stolen and someone have made fraudulent charges using my name and account. I want these charges dropped and account closed because they are trying to take money from me about a claim Ive never had knowledge of until now. Again this is the first Im hearing about any charges, only due to my employer sending me the case files and claims. Ive never received any information in mail, and want to dispute these claims and have them taken off my records. The only record I have is what my employer sent and its from Midland Credit Management for the amount of {$8500.00}. Apparently there was a case on XX/XX/2023 and I have absolutely no knowledge of it. Im just now hearing because of my employer. The address and company on claim Ive never heard of or resided at.
|
| 02/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.
|
| 05/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received collection calls about a XXXX debt from Midland Funding / Midland Credit for about {$1300.00}. I told the person at the time that I don't know a XXXX debt, that I don't have any credit card debt for that amount, that I have been dealing with stolen Identity and requested proof of debt.
They told me they purchased the debt and said they would note my account as disbuted, I have never received any documentation. To date I still don't have details.
In the meantime, I have since found out that my identity was stolen from an anesthesiologist office prior to 2016 and am now a monitoring member of the class action A week ago I was served with a summons that I am being sued for said debt in XXXX county. Today I contacted Midland about the suit and they confirmed that the account is listed as and currently disputed and gave me the Attorney 's office number which I contacted and also explained above, he said he will note the account as disputed, when I asked what it meant for the law suit he just said he couldn't give me legal advise. So tomorrow morning I have to go to the courthouse to file a response over something that was disputed and never substantiated.
The person I spoke to at Midland today confirming the account is listed as disputed is XXXX XXXX and the person at the attorney 's office was XXXX
|
| 01/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My ex-husband is a XXXX in XXXX, CA.
We have been divorced since XX/XX/XXXX.
Back in XX/XX/XXXX XXXX XXXX XXXX, XXXX stole my identity, and I had to contact the FTC ... file a formal complaint, and it took years to fix.
His whereabouts are kept ( all his bills are being paid, etc ... ) secret by XXXX XXXX XXXX, as well as his younger brother who is XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. ( extremely XX/XX/XXXX. has FAILED to hold up to his oweth as an XXXX XXXX XXXX XXXX ).
Now I am receiving NEW letters via USPS from collection agencies and attorneys who state that I am in default of payment to credit card companies, yet AGAIN.
My credit score shows 3 different credit card balances which were NOT opened by me ; XXXX XXXX XXXX, XXXX uses the unique spelling of my name, and has copies of all my personal data. He waits until I go to great lengths to fix my credit, and then re-applies for whatever credit card company he's able to trick into giving him a line of credit in my name, under my social security number & date of birth.
He is a dnger to the community. A hopeless XXXX, and has been allowed to thumb his nose at the Judicial System for over 25 years, thanks to his immediate family.
He is in default of his court ordered child support which dates back to XX/XX/XXXX.
What is wrong with this country?
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was contacted by Midland credit and allowed my Financial advisor to take power of attorney to speak with midland credit mgmt. My advisor told me to pay them and I did. During this time I paid the debt in full as it was a debt they bought from XXXX XXXX. I was then told by my financial advisor the debt has been paid and it was not on my credit report. So I caught it in time. Then two weeks after paying the debt the collections from the collection agency has shown up and reduced my score and showed a balance. This was not there prior and I have proof of this. We asked during the payoff and info on how to pay if they will delete this collection if it has hit my credit report and my financial adviser told me he spoke with a nice lady that said she would accommodate that. Later we called and asked for the deletion letter and was told after waiting on hold and with someone in customer service that they would do it in 2 years. This was not something I would agree to. And the collection was bought back in XX/XX/2021 for a debt that was only six months old. I paid it promptly and I paid all the collection fees as well and interest in full. I feel like I have not only been denied credit trying to refinance my house and buying more property but it also hurt my credit beyond repair. My credit prior to this was over XXXX.
|
| 02/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
in XX/XX/XXXX, I filed a garnishment compliant with cfpb. I.D . XXXX, against Midland Credit on behalf of Asset Acceptance. As a result, Asset Acceptance stated they would stop garnishing my wages temporarily until XX/XX/XXXX ; and as of this day, garnishment is still being deducted from my payroll. The hardship form that I received from Midland Credit was dated XX/XX/XXXX ; which they requested the form back within ten days ; which I received the form on XX/XX/XXXX. I filled out the form, mailed it back to Midland Credit on XX/XX/XXXX by first class mail so I could be able to track the delivery. I have called Midland Credit several times ; and each time, I receive different misleading information from their credit managers. Midland credit claims that they emailed the stop garnishment request to the XXXX circuit court, civil department, but when I contacted the circuit court ; it was stated that NO stop request information from Midland credit has been received on my behalf. XX/XX/XXXX is less thank thirty days away ; and garnishments are currently being processed from my payroll ; which leads me to believe that Midland has no intentions of standing by their answer to stop the deductions that should not have been allowed in the first place. I will take this matter of complaint as far as I have to. Please advise.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX XXXXXXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX.
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail.
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit.
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX Retail Store confirmed that in their system show I have 1 account in good stand they are fail to provide any information.
I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 accounts or t
hey need to delete the second account.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear CFPB, On XX/XX/2023 Midland Credit Management INC / acct : # XXXX FALSELY updated this account to incorrectly report Paid Collection to my XXXX Report.
I am requesting a reinvestigation of Midland Credit Management INC / acct : # XXXX Because This account is NOW Knowingly Falsely reporting : Remarks : - PAID COLLECTION- On my XXXX REPORT ( ONLY ).
This is COMPLETELY INACCURATE, AND FALSE because I have NEVER paid this company or this account, nor have I EVER had ANY, scheduled payment arrangements with this company, which would mean there is no way possible for this account to be a PAID COLLECTION.
Furthermore MIDLAND CREDIT MANAGEMENT INC ACCT : # XXXX is reporting a DIFFERENT BALANCE for the same account to the other 2 CRAs : XXXX XXXX {$0.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XXXX XXXX ) If this account was accurately being reported on XX/XX/2023 to XXXX as a Paid Collection, then on XX/XX/2023 it should have been reported the same way to XXXX, and XXXX.
This is Willful Negligence and it is a FCRA Violation for a debt collector to use any false representation or deceptive means to collect or attempt to collect any debt.
According to 1006.18 ( False, deceptive, or misleading ) this includes : ( i ) The character, amount, or legal status of any debt.
|
| 06/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
.I am requesting that XXXX XXXX ( MCM ) verify there method of verification. MCM reported to CFPB on XX/XX/XXXX. That the account furnishing to the three major credit reporting agencies is accurate. I reviewed my credit report dated XX/XX/XXXX ( enclosure ). MCM is reporting inaccurate information. The credit report states in the credit history before the dispute and after the dispute that the original amount of the account was {$3000.00}. This is a continued violation of MCM. MCM gave false information to the credit reporting companies. MCM called my home on XX/XX/XXXX when they was instructed not to call my home in writing ( certified ). I was told that the account will be deleted since it is old if I pay half of the account. I asked for it to be in writing. I countered with {$100.00} for deletion since I am on a fixed income and a XXXX veteran. I am not agreeing that I owe this account. I want this inaccuracy to be resolved. MCM disagreed with my counter. MCM raised the credit history reported {$3000.00} original credit amount and lowered my available credit percentage.
I am requesting that MCM verify the {$3000.00} credit history or delete the account with all major credit bureaus. MCM has a pattern of behavior of violations that has become a premeditated organized deceit in order to pressure me to pay.
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by Midland Credit Management on Behalf Of XXXX XXXX, XXXX & XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And XXXX XXXX Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX Back On My Account Im only reporting fraud On The accounts Midland Credit Management keep bothering me about ( XXXX & XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the Midland Credit Management to complain ... I also just received the police report of my car being stolen from the front of my house!
|
| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2021 I settled a debt owed to XXXX XXXX XXXX, who was claiming to represent Midland Funding. I have the confirmation documentation of the payments receipt.
Upon negotiating and receipt of payment it was understood that XXXX XXXX XXXX, would inform their client, Midland, of the payment received and under Midland 's standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of XXXX XXXX.
On XX/XX/XXXX the account remained. I contact XXXX XXXX of XXXX XXXX who informed me that the fault is on Midland. She told me to call Midland. I called Midland who claimed they had no information on the account and no record of payment and told me to call XXXX.
I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence.
As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client Midland.
-Midland as a result is refusing to mark the account as paid and remove from the credit bureaus.
These actions are preventing me from obtaining a home.
|
| 07/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I am writing you about a response I received from MIDLAND CREDIT MANAGEMENT. I Disputed an account that was charged off on my credit reports with the XXXX major credit bureaus. It was charged off on XXXX. I am filing an complaint because Midland Credit Management is requesting the XXXX major credit reporting agencies report this account they have bought of mine that is over seven years old -- as " DISPUTED ''. They requested this as of XXXX. This Dispute is OVER 30 days old. They continue to request it as an ongoing continuous dispute. I am no longer Disputing this account as inaccurate. I NO LONGER want Midland Credit management to keep processing this dispute. It is well over 30 days past my initial dispute. I want to pay debts and resolve problems, unfortunately, MIDLAND is holding my credit report hostage to dispute notations -- - that are old disputes that should have been resolved in 30 days. Otherwise, I could pay more off with better credit reports. If they keep reporting as disputed, I will have to take legal action. I know you can assist me with this considering Midland 's legal trouble and history.They are no longer legally allowed to investigate my OLD dispute. This account is # XXXX. I am NO LONGER DISPUTING THIS ACCOUNT WITH MIDLAND CREDIT MANAGEMENT , INC . ADDRESS : XXXX, CA, XXXX.PHONE : XXXX
|
| 08/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report.
Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ).
Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened.
I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them.
I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.
|
| 08/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Midland Credit Management they are breaking FCRA Laws. Some of their variations of names are : 1. Midlandcre 2. Midlandcred 3. Midland Credit Management 4. Midland Credit Management Inc.
5. Midland Credit Management LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage.
On XX/XX/2022 my credit score plummeted over 100 points. Midland Credit Management for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans.
SEE ATTACHMENTS
|
| 07/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
A credit card debt I had went to collections XX/XX/XXXX and the amount of {$3400.00}. I never received notification of the original court date. This judgment never showed up on my credit report and I have finance automobiles applied and received more credit cards.
On XX/XX/XXXX the balance is {$8800.00}. Midland funding LLC turn the account over to a law firm in XXXX Florida XXXX, XXXX, XXXX XXXX.
In XX/XX/XXXX I received my paycheck and it was {$420.00} short and my pay stub said debt reduction. I contacted my employer state of Florida and was informed that they were served with papers for garnishment.
The state had to file back and is deducting my wages {$420.00} every 2 weeks. I had no notification I would be garnished or that Midland funding LLC would pursue this after 14 years.
I'm XXXX woman single income and can not think about retirement because of this debt.
{$900.00} taking out of anyone 's check monthly is catastrophic.
I contacted the state of Florida and they were unable to give me any legal advice, I did contact the law firm XXXX XXXX and XXXX who told me there was nothing they could or would do.
I explained the devastating hardship and I feel that this has been deceptive practice and taking advantage of a senior citizen.
The case number filed in XXXX county Florida court is XXXX XXXX.
|
| 11/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American, Servicemember |
|
I am a XXXX XXXX veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on XXXX/XXXX/2015 but was told not sent to legal dept until XXXX/XXXX/2015. Court is in a small town so should not be a problem of the court being too busy. 30 days is here and only get run around when calling. First you get someone in a foreign country that you can not understand and it takes up to 30 minutes to get connected to the United States to talk to someone that you can understand. I have only been able to talk to XXXX department that will not give number to legal department or transfer me. They took my money very fast but now I do not seem to be a concern to them any more. Not a good way to treat people. This could cost me the house and my earnest money when it is an easy fix. Wife very upset as I have severe XXXX. When told them today that I was not happy with their service they said it might be 60 days. Not a good answer!
So any help is appreciated!!
Thanks
|
| 04/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Midland Credit Management XXXX XXXX, was sent 2 negotiable instruments, one was received XX/XX/XXXX and credited on the account for {$3000.00}. They ( Midland Credit Management Inc., continued to send and call stating the debt was still owed. The instrument ( a bill of exchange ) was never returned. I sent another instrument ( bill of exchange ) for {$650.00} received XX/XX/XXXX, also credited on the account. They kept the instrument and continue to state the debt is owed. They have also reported to my consumer report on XXXX, XXXX and XXXX as in collections, further harming my credit score 15 U.S. Code 1692 - Congressional findings and declaration of purpose, ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022, I sent Midland Credit Management a notice informing them of inaccurate information being reported on my credit report. I also informed them of why I needed the incorrect information corrected for Tax filing purposes. The company has listed this account on my XXXX and XXXX Credit Report as a charge-off, however, they never sent me a 1099c which is what the IRS informed me I should have fact received so that I may correct my Tax return. This is being reported on my Consumer Report as a Debt that is owed when it is in fact income. If this is the case, I requested the 1099c from Midland directly however, I have yet to receive a response with the information requested and that the Internal Revenue Service informed me to request. This can not be correct and therefore is inaccurate as it can not be debt and an income at the same time and how it is currently being reflected on my Consumer Report. This account Midland Credit Management is furnishing needs to be removed as soon as possible. Additionally, I sent out notices to XXXX and XXXX advising them that this account is inaccurate as well and the account still is being reported more than 60 days later. If this can not be corrected at this step with CFPB and Attorney General, I'm forced to turn this over to my Attorney to pursue this issue further.
|
| 03/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
They do not have my correct social security number, but are using my name and address to validate accuracy. The company that they are representing is XXXX XXXX, in which I did have an account previously see below, but is is paid and closed. They account they have had a credit limit over {$5000.00}, which I never had the luxury of ever having. This account has never reported on my credit file either.. This account is fraud.
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - XXXX XXXX - XXXX - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements -
|
| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT Hello I have been harassed by the midland credit management collection company, this company sent me multiples letter threats me with legal action about the credit card debt, the last letter was sent it XX/XX/23, so I did multiple calls to try to verify that the debt XXXX XX/XX/23, XXXX XX/XX/23, and the last call was XX/XX/XXXX XXXX, this company refuse to validate this debt, due this company no respond me, I decide sent a validation request letter on XXXX XX/XX/23, XXXX XXXX XXXX XXXX received by XX/XX/XXXX XXXX, and this company fail to provide the documentation requested on the 30 days that is allowed by the law and this company persist sent me multiple letters and this point and decide to create this complain After previous complaints, this company still did not provide the documentation to validate the debt and still sent me a letter to collections I would like the company to stop harassing me and delete this account
|
| 07/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact Midland Funding about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from Midland Funding, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports.
I have attempted to call, Midland Funding representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX Midland Funding still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. Midland Funding has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from Midland Funding pursuant to state laws and FCRA laws and Midland Funding is not trying to resolve this issue. Please help me.
|
| 09/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called midland funding llc to validate a debt listed on my credit report. They told me the account was with their company XXXX. I called XXXX XXXX and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called midland again and emailed XXXX XXXX requesting validation of the debt. I didnt hear a response back, so I called midland this morning and told them that I have waited 5 days to hear back and all they said was that XXXX XXXX was supposed to call me later and that it was a miscommunication about the debt. I called XXXX XXXX again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
|
| 10/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
So a couple things wrong. The credit card company is capital one, who midland credit funding claimed they reached out to. I had reached out to Midland Credit Funding because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.
|
| 01/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
To who this may concern, I am submitting this complaint to the CFPB in regards to XXXX XXXX threats to sue for an alleged debt that they have yet to prove belongs to me. They have been using abusive and deceptive practices in trying to collect on this alleged debt. I have written this company several times asking for proof that this debt belongs to me and they have failed to provide such proof. XXXX XXXX has not done that. Instead they continue to send threating letters to sue without having proper license to collect in my state of GeorgiaXXXX I've asked them to send proof of debt and they sent an old bill and a bill does not substitute as proof that a debt is valid. I also asked them to provide me proof that they have the authority to collect in my state and that was not provided either. I demand for this company to STOP all collection attempts and remove my information from their database. I also am seeking remedy for emotional stress due to their threats. I will attach a letter that was sent to me back in XXXX as I am unable to locate the letter they sent in XXXX. I live in the state of Georgia in which XXXX XXXX does not have the license to actively collect in this state. I am seeking {$1000.00} remedy and my information permanently removed from their database immediately.
Best Regards, XXXX XXXX
|
| 03/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.
|
| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Midland Funding representing XXXX RANDOMLY called an individual they assumed or hoped might be family member ( s ) to get in touch with me, ( while I was out of town ). I never gave consent to Midland Funding XXXX to release my financials to anyone other than me. I never gave XXXX or Midland Funding consent to release my financials to anyone other than me. Midland Funding and XXXX gave ASSUMED family members confidential information about me and my financial information with their company to this particular individual on or around XX/XX/XXXX and XXXX of XX/XX/2019. This was not the first time. XXXX and Midland Funding claim they spoke to my husband. Ive NEVER been married!!!!!! Midland Funding XXXX confirmed they spoke with my husband and gave him all my details about the account. Again, I have never been married. I never consented ; I never agreed in writing or by phone to Midland Funding XXXX to randomly contact individuals they assume might be family members or friends and give MY personal information about my personal or business finances with XXXX to someone other than me - I asked the customer service rep HOW or WHERE did they get this information on me. I was transferred to the manager in the case. That manager was not in office. No response. Im told they will look into the matter. UNBELIEVABLE
|
| 07/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Over the past year, usually in bursts Midland Credit Company has called me four times a day from several numbers. Any attempt to actually answers these calls is met with complete silence, following with the caller hanging up after a few seconds. No messages are ever left, so I am unable to find what this is even for. I never received a mailed notification of collection either.
Before I list the numbers and times of contact for the last few weeks, I would also like to point out that the only debts I have would be my student loans, which I am not required to make payments on as I am still a full-time student. I do not have any credit card debt, and my credit history would seem to corroborate this.
XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called at XXXX. This is the most recent, and I'm expecting to receive 2-3 more calls today, given the trend.
To finish, I am on the do not call registry, and again, have not received ANY communication, written or verbal, on the nature of this collection attempt and these calls.
|
| 12/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2020 I pulled my credit reports from the bureaus and they contained innacurate personal information and social security number variations that did not belong to me. I contacted all bureaus to confirm security freeze on my files and update my personal information and dispute all inaccurate information. I disputed a Company MIDLAND CREDIT MANAGEMENT INC for {$2000.00} ( original creditor XXXX XXXXXXXX credit card ). After sending dispute to both Midland and the original creditor, XX/XX/2020 I recieved a letter from XXXXXXXX XXXX that they recieved my dispute and attached a document. The document attached was a letter from the original crditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to MIDLAND CREDIT MANAGEMENT INC. XX/XX/XXXX, I sent a second written request to MIDLAND CREDIT MANAGEMENTINC for validation of the debt requesting original signed contracts and an agreement from me that consented to the sale of this debt and any contracts connecting me to this debt. I recieved no response. I continued to recieve harrasing phone calls several times a day from various numbers to my cellular phone from MIDLAND CREDIT MANAGEMENT INC and at my place of employment even after the request to cease and desist was included in dispute letter # 1 and 2.
|
| 06/21/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
Threated to take legal action again after the case is closed.
I was sued by Midland Funding company on XXXX/XXXX/XXXX and went to court and talked to their lawyer XXXX XXXX, and XXXX XXXX and agreed to pay {$150.00} per month until the debt is satisfied. I made my monthly payments for 3 months in a row and then I received a letter in the mail asking to call. I called and spoke to XXXX XXXX and he told me that {$150.00} is not longer the agreed amount and now they want {$300.00}. I told him I can not afford to pay {$300.00} a month. He than said that they would garnish my wages up to {$400.00}. He refused to work with me and kept telling me there was nothing I could do about this because it is all legal. XXXX. I have XXXX and was XXXX without work. This is why I got behind on my bills. XXXX said that getting a lawyer for myself would do nothing. He told me that I can do nothing about any of this. I either pay {$300.00} or they garnish my wages for around {$400.00} I also called Midland to get the date of the original debt and they told me I would need a letter stating that I am not represented by an attorney. The original debt was XX/XX/XXXX and Midland received the debt in XX/XX/XXXX. Why are they telling me I can not get an attorney and have not right to dispute anything that they want to do to me.
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
6. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
9. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
10. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
13. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
14. Identity Theft XXXX Account Number : XXXX This is not mine.
15. Identity Theft XXXX Account Number : XXXX This is not mine.
16. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
|
| 04/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
|
| 01/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear MCM ; Midland ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 05/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/2021 at approximately XXXX XXXX I attempted to settle a debt of {$610.00}. Please note that I do not acknowledge any liability for this debt in any form and I retain my right to request full and complete debt validation from your company. I spoke with a representative by the name/alias of XXXX XXXX. I was informed that I would not be able to settle the debt of {$610.00}. I immediately asked for a supervisor and I was informed that there were no supervisors at that current time to help me and that the debt would not be able to be settled.
As of XXXX and XX/XX/2021, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money.
Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me.
|
| 07/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This company repeatedly harassed me for years then sued me. The only way I found out about lawsuit is because I started to receive notices from lawyers in the mail and checked states local court records. AFTER responding to them by court they had someone to come to my house to deliver documents because in my response I advised I was not notified. After my response I still received harassing calls for payment although we were in litigation. The state was going to dismiss their case due to no response from midland and the day before set to expire they filed a response and sent by mail which I did not receive until AFTER court day. So of course by default they won suit. I have called several times these people make it so difficult to setup payments representatives are argumentative. I call to setup up payment arrangements set to be paid in full by XX/XX/23. I was advised I could not set up any arrangements but they would rather garnish my wages unless paid in full which of course would RESULT IN ME PAYING MORE INTEREST. I give in and make the payment and they refuse to provide a receipt. Stating they will send a letter in 10 days but will not give me any proof of a XXXX payment I made!!!!!! so after YEARS of harassing me and I finally give in CANT even have confirmation of the payment for my records.
|
| 06/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists.
I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I requested a complete payment history of these accounts for me to review the exact date on which the late payments and collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING MIDLAND FUND ACCOUNTS FROM MY REPORT IMMEDIATELY : MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$470.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$690.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX A ) XXXXBalance {$780.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX XXXX ) -XXXXBalance {$840.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$530.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$370.00} MIDLANDMCMXXXXBalance {$370.00} MIDLANDFUN-XXXXBalance {$840.00} MIDLANDFUN-XXXX-Balance {$840.00} MIDLANDFUN-XXXX-Balance {$690.00} MIDLANDFUN-XXXX-Balance {$470.00} MIDLANDFUN-XXXX-Balance {$530.00} MIDLANDFUN-XXXX-Balance {$780.00}
|
| 12/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Under the Fair Debt Collection Practices Act ( FDCPA ) I have the right to request validation of the debt that you say I owe you. Your offices have failed to provide any information tying this debt to me. I have yet to receive any proof of documentation that proves that there is some contractual obligation that is binding me to pay this debt. Your offices have continued to report invalidated information to the three major credit bureaus and in such, this may constitute fraud under both federal and state laws. I have disputed these claims and your office is telling me that this is mine. How is that? If anymore action is taken that is considered detrimental to any of my credit reports, I will seek legal counsel. Once again, please provide the following : Please identify the original creditor.
Please provide the original contract from the original creditor and I showing my signature.
Please provide the assignment contract between your office and the original creditor.
Proof of licensure to collect in the state that I live in ( TX ).
Provide line by line accounting of the original account.
Proof that you are in compliance within the statutes on limitations for the state that I reside ( TX ).
If the debt that you say I owe cant be validated, then I ask that you remove this from my credit reports.
|
| 05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I owed debt to XXXX XXXX in late XXXX. When the pandemic hit in early XXXX XXXX I lost my job and had to stop paying all my credit card accounts. I have been able to work with all of them but this specific account was sold to Midland Funding who NEVER sent me a letter and have continued to call my old job which has THANKFULLY reopened and rehired me even though I have told them to STOP calling me work and they hang up. They show up to my home with their phone cameras filming me asking what my name is and I say who are you from and they tell me they can not say who they are. And today for a 3rd time someone showed up at my home and threw documents at my front door took photos and left the documents at my front door? I have this all on on security camera. This is complete fraud and they are trying to scare me and bully me. I need some sort of protection from this please. The documents they left claim that they have sued me XXXX XXXX XXXX on XX/XX/XXXX? I was NEVER notified of this, when I look it up on the court website theres no records of this? This is fraud and the people who are coming to my home are starting to scare me and my family. Please help me. The documents I have attached were thrown at my front door today XX/XX/XXXX by a large man with his phone out filming everything. This is NOT OK.
|
| 03/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Case # XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number : Do not give the account number supposal I debt Re : Collection Practices of : XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX.
XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : I would like to file a formal complaint against XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. for actions taken while trying to collect a debt. And submit garnishment against salary or wages and another situation is as follows : I have received your CALLS regarding an overdue amount for {$8000.00} and try to contact you, but nobody helps me because my info does not match with your file and it is impossible give more information. A request in Court file GARNISGMENT against me.
You are charging the wrong person in your file you do not have my correct name My social security does not correspond.
My date of birth corresponds to a person much older than me.
Filing lawsuits that are fraudulent and inaccurate.
Filing lawsuits against me who are not the owners of the debt.
Filing lawsuits that are past the statute of limitations for Florida.
Not having proper documentation for the debt, say I owe.
Please investigate this matter and have these practices stopped. You can contact me at XXXX or email me at XXXX or fax at XXXX.
Sincerely,
|
| 12/28/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I made arrangement with a XXXX over the phone a few weeks ago to start the process of paying back a debt we owe on a past credit card. I agreed to a {$31.00} payment to start on a monthly good faith payment of {$50.00} once a month. Then he asked for an additional {$300.00} and wanted my bank account number and routing number, I told him no, I do n't give that out over the phone or internet. He understood, and then I told him to call me the following week for me to see if we could pay that {$300.00} due to the holidays. They went ahead and took out that {$300.00} with out my authorization. I called them back right away and talked with a XXXX and he stated that they needed 7 working days for that to be put back into my account. This was on XX/XX/2016, we still have not received that money as of today XX/XX/2016. I even asked to hear the recorded conversation from my first agreement with XXXX just to make sure that I stated no on the {$300.00} and they could not and did not produce that recording for me to hear. I was told by XXXX I was being recorded. I currently have XXXX bank doing a Fraud investigation in this matter but wanted to file this too just in case we have to sue Midland Credit for poor business practice and fraud. This action put my wife and I in a bind for the holidays and our bills.
|
| 07/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.
|
| 07/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I secured a {$1900.00} loan with XXXX XXXX on or about XX/XX/2020, at the start of the pandemic. I was not able to pay the loan back as scheduled and when it was reported to the credit bureau, I noticed the APR for the loan was 159.57 %. Finance charges that would have accrued would have totaled {$1300.00}, making the total repayment of the {$1900.00} loan {$3200.00}. I did not realize the APR was so high, and disputed this with the XXXX credit reporting agency. XXXX then charged off the account and Midland Credit Management bought the loan. I was continually harassed and threatened with a lawsuit from this creditor, and made payment arrangements. I diligently paid on the agreed amount twice a month, with the exception of a month when I couldnt financially commit, and agreed to pay a lesser amount for that month. I requested on two separate occasions to settle for a lesser amount and Midland Credit would only reduce the amount by XXXX %, and no more. I settled for a {$100.00} reduction on a {$1400.00} + loan, yet my statements have not reflected the reduced amount. I have offered to pay 60 % of the loan all at once, but they would not agree to that. Ultimately, I would like this creditor to dismiss this account, as the charges accrued were from a loan charging an illegal APR rate of 159.57 %.
|
| 10/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I am attempting to get my credit fixed and have contacted the three credit reporting agencies about two accounts that do not appear to be legitimate. I just received the results back today from XXXX stating that the two collection accounts are accurate.
When I explained that they could not be accurate because of the dates both accounts were opened, the XXXX contact told me the company, XXXX XXXX, assured them in a certified response.
When I asked for a copy since it was obvious XXXX wasn't going to actually make XXXX XXXX prove I opened an account with them, the XXXX contact told me XXXX XXXX is not required to give them any proof of the account!
I asked to speak to a supervisor at XXXX, but after a long hold, I was told there were no supervisors available and they would have to call me back ; that was several hours ago and no call as yet!
It does not appear that disputing an account on your credit report does any more than cause the CRA to contact the company and asking them if the account is valid and if they say it is, XXXX takes their word for it.
I want proof that this company has something to show that I owe them money. I don't ever remember dealing with a XXXX XXXX. AND I KNOW FOR SURE, I HAVE NOT TAKEN AN ACCOUNT OUT WITH THEM OR ANY ONE ELSE IN XX/XX/XXXX OR XX/XX/XXXX!!!
|
| 07/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I paid my debt as requestedXX/XX/XXXXand was told that my account was satisfied and closed by Midland Funding ( the legal subsidiary ). When I called to check on my account with Midland Credit Management ( the consumer support division ), I was told they had no record of my payment and it was " in another system. '' This is a situation where I have paid as agreed and they are sending me from one company to the next, playing hot potato with my attempt to clear my account and remove their trade line from my credit report - which they indicate they must do per their very own website policies. I can never get a straight answer from anyone, any time that I call, regarding how long it will take and what steps need to be taken other than a very broad " can take up to 30-45 days '' each step and " you must wait, thats the way things are. '' All the while, their employees and supervisors take a smug and arrogant attitude and pursue shame and guilt as tactics to give themselves some unnecessary space from answering the question at hand. The point remains that I have no debt with this company and they are in no hurry whatsoever to resolve my claim and clear my name. They are hiding behind technical incompetence and " the way things are '' as opposed to having a positive outcome with a client of theirs.
|
| 10/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}.
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.
I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???
|
| 03/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XX/XX/19, I agreed to pay Midland Credit Management {$200.00} on XX/XX/19 and XX/XX/19. The auto draft did not take out on XX/XX/19. Each time I called, I was advised the representative handling my account was either closed or not available. I finally reached XXXX on XX/XX/19 in which he told me they were having " financial difficulties '' processing payments. When we first spoke he told me " ensure I have the funds in my account to process the payments '' which is why I told him no later than the XXXX or XXXX of the month so that I can ensure they are paid. My paycheck was cut short due to an HR issue in which I am waiting on a refund check via the mail. I have other bills I need to take care of now and when I told XXXX that he transferred me to his supervisor XXXX. XXXX said there was nothing he could do. I told him this has caused me nothing but stress and was unwilling to provide me with any other information other than " ensure there is money in my account ''. I asked when the payment will be taken as the contract that was agreed upon would take the money out on the first if the money was not there. I was not given an answer but only kept in a looped conversation. Highly frustrating and stressful to deal with when I work a full time job trying to get back on track with my bills.
|
| 10/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. Midland Credit Management is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed.. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts published from Midland Credit without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
|
| 08/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a XXXX XXXX XXXX account that is past the 7 year statute of limitations to report on my XXXX credit file. Midland credit management, the company which bought the debt, has re-aged the account to increase the time the can try and collect on the debt. Re-aging is not allowed under the FCRA and is a violation of my consumer rights. XXXX closed the account in XXXX and it was XXXX delinquent in XXXX of XXXX. The XXXX delinquency is the only date and standard for the 7 year reportable status. Based on this information, provided by XXXX XXXX XXXX, this debt is no longer reportable on my credit file yet MIdland is trying to report the first major delinquency as XXXX. This would be impossible as the XXXX account was closed in XXXX. A simple internet search will show, while Midland claims otherwise, that Midland has a poor track record of adhering to FCRA guidelines and has been subject to XXXX in fines. Their questionable collection tactics have continually violated consumers rights to maximize their profit. I Have filed complaints with the XXXX, CFPB, and California Attorney Generals 's office, yet Midland asserts that they do not re-age accounts. It only takes XXXX look at my documents provided by XXXX and XXXX to see that this statement is false and Midland has violated my consumer rights.
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I started to receive letters from Midland Credit a couple months back for a said amount of {$1400.00} that they claim I owe. I sent them a Debit Validation letter via certified mail on XX/XX/2020 to ask them to please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.
I mailed it out to the address that they have on file that says to mail any kinds of disputes there, which according to them is located in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX. I received the return slip that certified mail is sent out with and returned with a signature by XXXX XXXX showing that they indeed did receive my letter but they have not answered me with the information I requested to validate this said debt. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).
|
| 01/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Roughly 16 months ago I settled an account with Midland Credit Credit Management for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from Midland. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following creditors, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of Midland Credit Management.I demand MidLand Credit Management to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}
|
| 01/08/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have to choose XXXX of the XXXX options given in the form at CFPB to describe my issue, but I am not sure my issue matched any of them well, since my issue is related to a time-barred debt as described below.
Midland Funding LLC ( " Midland '' ) is deceptively collecting or attempting to collect from me a time-barred debt through arbitration at the XXXX XXXX XXXX ( " XXXX '' ), and thus violates the consent order issued by CFPB on XXXX XXXX 2015 against Midland ( and a few other debt collectors, defined together as " Encore '' in the consent order ).
On or about XXXX XXXX 2015, Midland via its attorney filed to XXXX a counterclaim against me in connection with collecting or attempting to collect from me a credit card debt. This alleged credit card account is a " debt '' as defined in the consent order issued by CFPB against Midland on XXXX XXXX 2015. I, as a natural person allegedly obliged to pay this debt, is a " consumer '' as defined in this CFPB consent order. Midland is a " debt collector '' as defined in the CFPB consent order. The alleged debt is beyond the applicable statute of limitations. Midland 's conduct violates the consent order about prohibition against deceptively collecting time-barred debt through litigation or arbitration ( Paragraph XXXX in the consent order ).
|
| 05/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX, # XXXX amount of {$790.00} the account was charged off for amount of {$790.00}. On XX/XX/XXXX the account was then turned over to Midland Credit ( MCM ) Management, Inc. MCM account # XXXX. The account was paid in full. but it is showing on my credit with {$0.00} balance showing that it was charge off. When I tried to received a loan or credit they tell me it not showing that I paid the charge off. ; it showing still as a charge off account. this account was settle on XX/XX/XXXX. the reason for this deliquency was a cut in my hours on my job. Why is it still showing as a charge off and not a paid charge off. I know that my race has a lot to due with this. I did not let this stay on my credit I paid it off. I am so sorry for not be able to pay my bill on time, but they cut my salary down to nothing. But I paid off all negatives with my INCOME TAX. I have called them several times they told me that it is going to show up as a charge off, I do n't understand, because it should say that I paid the charge. I had a rejection last week and they told me the same thing until I showed them the letter that MCM sent saying that I paid the charge off. I hope that someone can help me with this situation, if not I will purse other options. Thanks for your time please see attached letter
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I havent provided evidence in accordance with the doctrine, so you XXXX assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days.
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
|
| 11/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XX/XX/22 Neighbor ( old address from over a year old ) handed me 3 letters from MCM. Immediently went to website updated contact information for all 3 accounts. There was intake form, I specifically wrote Do not call, contact by mail only, please mail options. XX/XX/22, receive phone call while at work, very odd first ask for me then put me on hold then woman comes on. I have to ask 3 times for them to identify. I state I am at work and can not talk. That evening go to website, chat with representative, specifically ask them to mark accounts as do not call. Chat representative states done. XX/XX/22 receive a phone call from XXXX with MCM, I answer stating you've been given written notice to not call, she asks how do I know who I am calling. I believe the phone number tells you who not to call. Also neighbor hands me 6 letters today, 3 dated XX/XX/22 ( a month after I notified correct address ) and XXXX XX/XX/22. To add further confusion I received a XXXX yesterday to my correct address yesterday but only one of the accounts. Don't understand why they will not honor written request for no phone calls. Don't understand why they continue to mail to incorrect address after they have been notified. If I connect to the website and enter last 4 of SSN it has my correct address and has had it.
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND XXXX.
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. XXXX has not responded nor has the XXXX XXXX. On XX/XX/XXXX, I called XXXX. On approximately XX/XX/XXXX, XXXX added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX aka MCM to make them active. I found out XXXX is using unknown credit cards from 7-8 years ago and renewing the the active dates to harm my credit score. I opened 3 online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach XXXX personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning XXXX about XXXX XXXX resulted in an immediate 30 point drop in my credit the next morning with no explanantions. I have waited since XX/XX/XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.
|
| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I received notification from Midland Funding LLC, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX that was first reported as delinquent on XX/XX/XXXX.
I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from Midland Funding.
I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened.
I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't.
I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had.
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act.
I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have an old account closed by XXXX XXXX and sold to a third party debt collector Midland Funding LLC who has forwarded the account to their legal department.
This company has violated my rights under the FDPCA. I was informed by a friend that someone impersonating either law enforcement or some sort of legal entity came to their home at XXXX XXXX XXXX XXXX in XXXX GA with papers threatening to arrest me, harassing the individual as to whether I live in the home ( which I do not and never have ) and divulged that they were doing this to collect a debt. The friend called me immediately to tell me about the situation. He stated they badgered him accusing that I did indeed live there and he needed to give them more information on my where abouts, place of work and what time Id be home for someone to return.
At no point and time since this account has been sold from XXXX XXXX to this third party collector, have they tried to contact me. And their methods have directly violated my rights and several issues with following compliance laws under debt collection practices.
Initially I was even unaware that it was not a XXXX XXXX, and filed my original grievance against them. XXXX XXXX emailed me to state that they no longer own the account and were not responsible for the actions stated.
|
| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The full balance was paid in Full for the purchase of a XXXX. The payment was made by check and in one payment. We made it very clear to the lender that we wanted to pay the balance in FULL and have a {$0.00} amount to owe. I received another bill for XXXX the next month. I called and spoke to the account handler through XXXX and they said it was a mistake and would have it removed it was a computer/system mistake that automatically went through and was charged to my account and they had simply failed to remove it, it was a mistake and they would take care of it. I received a bill with XXXX late fees the next month and it kept adding up for 12 plus months. After calling customer service through Bowflex I was informed to send proof of payment in full. I sent XXXX a copy of the transaction from the bank account in which the money was taken out to pay the balance in full, Now this collection company keeps sending me a bill for {$340.00}. I spoke to a lawyer and told me not to pay it, because I had already paid the balance in full and the only other payment amount I could be responsible for would be the one month late fee of {$28.00}. even though the company acknowledged that to be a computer mistake. What can I do to get this taken care of. Thanks XXXX XXXX phone XXXX email : XXXXXXXXXXXX
|
| 02/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe.
I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.
|
| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
|
| 01/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In response to MIDLAND CREDIT MANAGEMENT : This company has obtained my information from XXXX XXXX unlawfully. I did not give them my consent to have access to my information. They received my information from XXXX XXXX XXXX which means they've engaged in aggravated identity theft. XXXX XXXX knowingly transferred, without lawful authority, a means of my identification. Furthermore, I am the original creditor of the account and I do not validate any debt that is allegedly owed. According to the FDCPA only a consumer can validate such debt, which makes their statement of me owing a debt and the debt being valid is very much an invalid statement. Therefore, the alleged debt is NOT valid nor owed by me, the consumer/natural person. They also state that they were advised by credit reporting agencies to furnish such information on my consumer report, which is a violation of the FCRA. This company did not have permissible purpose to furnish anything on my consumer report. They did NOT receive my written instructions to furnish such information on my consumer report and I have never engaged in ANY consumer credit transaction with them, therefore they are violating federal law. I have never had a contract with this company, therefore I am being taken advantage of by MIDLAND CREDIT MANAGEMENT.
|
| 12/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020
|
| 01/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
Midland Funding purchased an old credit card debt of mine in 2015. I was sued by Midland Funding on XXXX XXXX, 2015 for {$2900.00} and served a summons at my parents address ( listed above ) in XXXX XXXX. At this time, I was visiting for the holidays. I currently reside in XXXX. I understand this may be a violation of the Fair Debt Collection Practices Act, though I have waived my right to sue in a settlement agreement.
Both Midland Funding and XXXX XXXX XXXX have previously been successfully sued by the state of XXXX for violations of the FDCPA.
Prior to the lawsuit being filed, XXXX advised me that they would not consider a settlement on the account. However, after the lawsuit I was able to obtain a settlement of {$2100.00} from XXXX XXXX XXXX. I brought certified payment for the full amount to the offices of XXXX XXXX XXXX and asked that a dismissal with prejudice of the lawsuit be provided, in accordance with the settlement agreement. I was provided with a document that stated it was a dismissal with prejudice in the header but in the text stated " dismissal without prejudice. '' After having paid the settlement amount in full, I would have expected more attention to detail on behalf of this legal firm. After pointing out their error, I was provided with the correct document.
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from Midland Credit on XX/XX/XXXX stating theyre trying to collect a debt that not only in 2019 was ruled identity theft but reported to CFPB. There is also a case with CFPB on them for attempting to collect this debt in a few years back. Now its 3 years later and theyre illegally attempting to use scare tactics to collect one something not owed to them. There is a legal affidavit filed for this and they are still trying to collect. Not only was a complaint filed for this but also illegal debt collecting practices over the phone and a letter was sent out requesting Identity of the debt collector, including name, address, and phone number The amount of the debt, including any fees such as interest or collection costs What the debt is for and when the debt was incurred The name of the original creditor Information about whether you or someone else may owe the debt They clearly cant understand whats going on because in XXXX complaint XXXX with a ftc affidavit attached they stated please provide one which was given to them already and the company they claim to have gotten from. Attached is a copy proving this was attached. They were also physically mailed this in 2019, had an attorney general report and have the XXXX cases to prove this was all provided and reported
|
| 07/21/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX I and my financial advisor contacted XXXX XXXX requesting to close out my credit card. XXXX XXXX was the issuing bank for XXXX XXXX. On XX/XX/XXXX I made a payment of {$120.00} which reduced my balance to {$350.00}. My financial advisor pointed out that the statement dated XX/XX/XXXX disclosed that XXXX XXXX charged me {$200.00} in fees and {$56.00} in interest for the year up to that point. My credit limit was only {$250.00} and I had not used the card to do any purchases in quite some time. My financial advisor also pointed out that the disclosure of interest of 29.24 % per annum on purchases was deceivingly displayed when in fact the finance charge was strictly calculated on fees that XXXX had been charging me. XXXX did not comply with my request to close out the account and continued charging excessive penalties and fees and eventually charged off the account XX/XX/XXXX and assigned it to Midland Credit Management. The annual percentage rate when factoring the fees is probably over 1000 %. Midland Credit Management has threatened wage garnishment and as new owner of the debt needs to justify why XXXX XXXX refused to close out my account. My financial advisor is willing to sign an affidavit disclosing the date and person spoken to when I requested the closeout.
|
| 04/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I financed a computer through XXXX XXXX and eventually was late on multiple payments. After a final notice, XXXX warned me that my debt was going to go to collections. I then went online and paid off my debt to them, fearing my debt would go to a debt collection company. Some how, Midland Funding still acquired my debt and insisted I pay it. I told them that I had already paid the account off with XXXX and that they needed to verify their information with XXXX, but they obviously never did. I proceeded to get calls from them for the next 2 years over this issue, but I eventually began ignoring the calls. In XXXX 2016, I was sued for the amount of the debt by Midland Funding. I acquired proof from XXXX XXXX so that I can prove that I did pay it off, but I am worried about how this will look on my, already hurting, credit score. I honestly do not know exactly what to do in this situation, but I do not feel that I was treated fairly. I paid off a debt that I had owed, but yet I still have to go through the time and effort of proving I paid it to Midland Funding. Do the debt collection companies not have to verify they have a right to the debts before they sue people for them? And do they have the right to continually harass people for money that they are not even sure is owed to them?
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This is now our XXXX complaint against Midland Credit Management.
The prior details can be seen in complaints XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ) We have attempted to resolve the debt with the company. However, we constantly get bounced from department and department. Are told conflicting and contradictory information. Told we would be called back, and would not be.
Upon learning of the CFPB lawsuit and settlement with Midland Credit Management, and feel we may in fact be covered under this case.
We are unsure if we have ever received the complete and full documentation on my wife 's case. However, my wife was never served in this matter. The proof of service they have is for one XXXX XXXX, who she does not know nor did not reside with. We have informed Midland about this multiple times. A simple address look up will inform them that no XXXX XXXX resided at the residence on the service. Despite their fraudulent statements and filing knowingly false information with the court we are willing to negotiate based off the original amount of the debt. Midland 's failure to notify and give proper service is their fault not ours. She was never notified of the case until XXXX, and never had a means or chance to provide a defense due to their negligence.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for 211 treasury omb forms to audit consumers account.
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
|
| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}.
I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor.
This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports.
According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application.
This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation.
|
| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 09/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 07/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 07/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 05/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again.
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine.
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''.
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company.
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.
|
| 01/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
MCM midland credit management attempted to take me to court for account # XXXX in the amount of XXXX. I called on or approx XX/XX/XXXX to ask about this account and referred was to a law firm who attempted to collect it back in XXXX and the case was dismissed legally in the court of law. Failing to prove this debt was owed by me or the account. The law firm XXXX XXXX XXXX i was advised that they case was closed. Upon discovery even after legally being dropped/ dismissed and sued without proper notification validation or anything from MCM I attempted to offer 20 % XX/XX/XXXX. As well as today 10 % XXXX XXXX they declined. I advised them before going through the hassle of legal courts and fees I would offer again to close the account and we part ways amicably. I am a victim of identity theft in the past and have a feeling of the family member who may have opened this account. I expressed my concern of unfair debt collection activities and the lack of proper notification and the court ruling supersedes any companies policy and it stated closed/ dismissed. I would like to have this account closed and dismissed and removed immediately from all credit bureau.
Disputed : equifax # XXXX what I disputed is the same unfair practices with legal court documents case dismissed and closed
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have sent over my bank statements via fax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reflecting the amount ( {$200.00} ) that is not showing on the account. I have called Called on XX/XX/XXXX was advised that its no problem and to fax to XXXX attn XXXX XXXX but just subtract that amount and they will update the account and make a payment.
Called on XX/XX/XXXX XXXX XXXX and explained that the amount wasnt correct and that its missing {$200.00} I was then advised to send over a fax with a bank statement ( fax sent ) Called on XX/XX/XXXX XXXX XXXX and explained was advised that my account is not credited and then was advised that to wait 10 business days.
XXXX-Rcvd correspondence stating that the amount is correct.
( do not have date believe on or before XX/XX/XXXX ) Called again and asked for fax number to send over bank statement along with online statement.
Called on XX/XX/XXXX XXXX XXXX and was advised they recvd my fax and that they are looking into it and to follow up in 10 business days Called XX/XX/XXXX XXXX XXXX and they are not showing a fax and repeated tried to get me to pay the amount of XXXX. I explained again that this amount is not correct and I have sent over my bank statement I am not making another payment until this account is update. I was then hung up on
|
| 09/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account has age off my credit report and still reporting negative remarks to this day on XXXX. I know this account does not belong to XXXX XXXX XXXX I have asked for proof. to this day I have not yet received any notice of this account. I request the following.
The name and address of the original creditor, the account number, and the amount owed.
Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
Please also note whether this debt is within the statute of limitations and how that was determined.
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This account was settled in full with Midland Credit Management on XX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to Midland Credit on XX/XX/2020. Midland sent over a letter on XX/XX/2020serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within XXXX weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of Midland Credit Management reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. Midland Credit Management and XXXX XXXX XXXX knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XX/XX/2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. Midland utilized XXXX XXXX XXXX attorneys to resolved this matter XXXX.
|
| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
According to my credit report, MIDLAND FUNDING LLC purports they have the right to collect {$1500.00} from me. They have been reporting this amount since 2017.
After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Midland Funding regarding my name or an alleged account.
This means Midland Funding, LLC has been verifying information illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus.
They need to be reminded that, according to the FDCPA, Debt validation includes the following : 1.Who was the original creditor on this account, and what was the account number?
2.What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3.Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4.What was the original date of delinquency for this account?
5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6.What did you pay for this account, and how did you calculate the current amount owed?
|
| 05/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX XXXX XXXX. Have been calling my job numerous times a day, my cell phone and leaving messages at multiples XXXX for me numerous times a day ( I work out of many XXXX ) when you first answer the first, XXXX never identify his self. He asks for me as name and poses as a parent I work with. Or a parent inquiring about something. When I ask where he is calling from is when he identified his self. When I finally asked them to stop calling my job because I got in trouble I was told that they will sue me and had a very nasty attitude and was aggressive with me on the phone. After the man XXXX was done with me he place XXXX on the phone who tried to be nice but was nasty as well. I repeated myself for the 7th time to contact me via mail only and do not contact any number for me and they she proceeded to tell me that a lawyer will be involved and will be calling me. She doesnt understand if I was able to pay a bill for 4 years what happen. And they can take everything else from me.
After that comment I was highly XXXX off. I said to her I dont owe her an explainatation and will like all the information they have on this account to make sure that I am the one that actually owe this debt. I am not sure if they will be contacting me again but I asked to be contacted via mail.
|
| 12/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a voice message from XXXX ( identified as United States ) stating the message was for XXXX XXXX XXXX, requesting a callback at XXXX. I called the number provided spoke to " XXXX '' who stated the matter would be investigated and they would continue to attempt to collect the outstanding debt from 2017 from a pay day lender ( XXXX XXXX ). I informed " XXXX '' I had never heard of XXXX XXXX, she then asked me if I knew " XXXX XXXX '', which I replied no, she asked if I knew " XXXX XXXX '', I once again replied no. When I attempted to ask her for the documentation she hung up on me. Irritated, I called the XXXX number again and spoke with " XXXX ''. I retold the story, he asked me to confirm the last 4 digits of my social security number when he read them off. I confirmed and advised I had no knowledge of such a debt and to please provide me written documentation. He asked if a very old address was my current address, I advised him that his information was incorrect. He also then disconnected the call. I believe this is a collection company called Midland, they are clearly using improper tactics and not providing full details when they are making these accusatory telephone calls. I attempted to call the XXXX number again, only to discover it was now " Out of Service ''.
|
| 08/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXX XXXX decided to send my account to yet another collection agency : Midland Credit Management. I submitted a letter to XXXX, to Midland Credit Management, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to Midland Credit Management at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. Midland Credit Management says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get Midland Credit Management to comply!
|
| 10/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account is stating incorrectly on credit report previously account was stating as a collection, derogatory and charge off all at the same time with XXXX XXXX and XXXX XXXX was not reporting any data account on credit report. Requested to verify or delete as I do not recall having this account open. I did not receive any documents verifying debt as mine rather results to investigation came back still reporting incorrectly. Account is now removed from collection to back to a open account type. XXXX is reporting comments of collection yet records payments on payment history Stating as OK as agreed all the way from XX/XX/XXXX to XX/XX/XXXX with120 days late on XX/XX/XXXX where previously account had no history whatsoever. Completely forgetting to record payments on date last payment. XXXX is reporting consecutive charge off from XX/XX/XXXX all the way to XX/XX/XXXX as if it was some sort of payment method. Date last active is incorrect stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX. This account is a total mistake there is no possible way that account can go from collection to back to an open account reporting no payments to adding payment history on one bureau and then the next bureau reports the whole opposite no doubt account is a mistake itself.
|
| 04/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I receive a letter from Midland Credit Management in regards to a XXXX 's XXXX XXXX account that I did not open. The letter dated XX/XX/XXXX stated that I owed {$1200.00} that had not been paid. I have never in all of my XXXX + years, shopped at XXXX XXXX XXXX. This is the SECOND time that I have had to DISPUTE charges from XXXX XXXX and XXXX XXXX XXXX. The last time was just in XXXX I filed a police report then too. When I call ( MCM ) to inquire about the debt, they always ask for the last 4 digits of my social security number and I don't even feel comfortable giving it to them, considering my history with them. I did reluctantly provide the information to Midland Credit Management and they finally indicated that the date of birth of the person that opened the account was in XXXX, XXXX. That is not my date of birth. The social security number, and address all match, but I did not open this account. I am retired and on a limited income and do not need this fraud to continue. I have spent my entire life paying my bills on time and I have excellent credit. I have worked hard with little income, to be a responsible bill-paying citizen. I do not, nor have I ever, shopped at XXXX XXXX XXXX. I am filing a police report and I have also filed an Identity theft report with the FTC.
|
| 07/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.
|
| 08/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The XXXX case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is XXXX XXXX XXXX, XXXX violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX XXXX XXXX Claims Division on XXXX XXXX, XXXX? Massachusetts Statue Limitations, Chapter XXXX, Section XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.
|
| 05/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I did not consent to nor authorize, nor benefit from the account XXXX of Midland Credit Management , Inc.. Block and Remove account XXXX.
XXXX XXXX President/CEO and XXXX XXXX Division Manager of Midland Credit Management , Inc . is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All of Midland Credit Management , Inc. management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. Midland Credit Management , Inc. are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.
As in violation to 15 U.S.C. Section 1692 ( a ), Midland Credit Management has no right to commit fraud and send my information to debt collectors. My request is immediate removal of all Midland Credit Management from my personal credit report. Thanks!
|
| 01/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Midland Credit Management was paid in full on XX/XX/2020. On XX/XX/XXXX, I called to request a receipt for payment, because one was not provided at the time of payment. I was then informed, though my balance is {$0.00}, that the business doesn't provide receipts for payment and that I'm not " eligible '' for a letter documenting the full payment until ten days after the payment was made ( two days before the hearing date ). The warrant of debt was received by courier ten days after the date recorded on the document. The mailed legal documents, dated XX/XX/XXXX, were deposited in my mailbox twelve days after the date printed on that document, on XX/XX/XXXX. When I contacted Midland to ask if they intended to continue pursuing a lawsuit on a {$0.00} account balance, MCM 's representative responded XXXX twice ), with only, " Well, you do still have a [ lawsuit ] ( paraphrased ) ''. Now, I'll go to court to defend myself from litigation over a debt that is no longer owed, without a receipt, having only a printed screenshot of the payment confirmation and my bank record of payment, because Midland Credit Management says it's not their " policy '' to provide receipts for payments made to them. Incidentally, I originally took on the debt ( now, finally paid ) in order to get food.
|
| 07/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter, certified mail return receipt, to XXXX XXXX ( MCM ) letting them know that three debts reporting on my credit report, in the amount of {$560.00}, {$660.00} and {$850.00}, by their company was a result of ID theft and fraud ; therefore, I asked them to verify the debts. The company did not verify each debt as stated in my validation letter.
XXXX XXXX/MCM is not giving me due process at law. For some reason they failed to provide proof that I had signed any contract for the alleged debts ; however, they sent me a copy of a bill, a portion of a contract that I have never seen and a statement claiming they did not understand what I was asking them to verify. On XX/XX/XXXX I sent a second letter, certified mail return receipt, letting the company know they had not properly validated the debt as belonging to me, so please remove it from my credit file. Most importantly, I attached a FTC ID theft report.
XXXX XXXX ( MCM ) continues to get favor from the credit reporting agencies, causing them to initiate reinvestigation, but I do not have proof of the validation I have requested. The back and forth process between myself and the credit reporting agencies actually began late XXXX, and MCM continues to report the fraud accounts to my credit report.
|
| 08/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a Credit Card from XXXX XXXX back in XXXX. I purchased XXXX items. I moved so therefore I did not know how much was bill was for. They stated they sent statements to my old address. I received and continuing to receive debt collections notices from Midland Funding. I wanted to clear this debt but the amount they stated I owe is not correct. I contacted Midland Funding to get the original creditors information a young man by the name of XXXX stated they do not have this information which is false information they would have this information. I told him I was going to get the XXXX to look into this he stated he did not care who I get. I contacted XXXX XXXX, I spoke with XXXX, XXXX, and XXXX who are Senior Manager 's. They stated they sold my account to Midland Funding and my record is deleted from their system. They said Midland Funding would have the bill. Midland Funding only send out letters, they do not send out itemized bill. I do not know what I am paying for. I wanted to get this off my credit. I can not not pay bill without an itemized bill that is the law. If someone request an itemized bill from the original creditor they must provide it. XXXX XXXX stated they deleted my files. How do I know if I owe it. I spoke with both companies on XXXX XXXX XXXX XXXX
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX
|
| 03/30/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I have an account that was placed with Midland Credit Management for an XXXX credit card. On XX/XX/2017, I set up an arrangement with Midland to pay off the debt via an automatic charge of {$9.00} per month for 120 months. I have the letter here stating that they agree to these terms and conditions.
I receive on average 4-6 calls every day concerning this debt from Midland Credit Management. It has surpassed the point of harassment.
Today, I decided to call back and ask, " What do you want!? ". I was informed by my " Account Manager '' that my account was in the pre-legal status and that he would not guarantee that my account would " stay in his department '', which one would only assume, based on the stated status of my account, that it would be transferred to their legal team or a lawyer. I asked him if he was stating that they were no longer willing to accept my written agreement, and he stated he would not confirm nor deny, but that my account was in the Pre-Legal status and the only way that I would be guaranteed that it would not be sent to another department is if I made minimum {$100.00} per month payments.
I consider this a threat to pursue legal action on an account that I am actively paying on, and am also harassed by them on a daily basis.
PLEASE HELP!
|
| 12/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was sent an agreed judgement for biweekly payments of {$11.00} starting on XXXX the paperwork was not received till after the XXXX. When i contacted them to get a revised agreed judgement they insisted i sign the one that has a date that has already passed. I have since also received a letter saying i am now in default of said agreement. i contacted someone to explain that i will not sign something with a back date that shows i did not keep my end of the agreement and that i would need a revised agreed judgement with a future date and they advised that they will not do that. their practices are misleading and malicious. I told them i would start the payment in XXXX to allow them time to send me a revised agreed judgement with that date and that i would be happy to sign that. They will not do that. they are trying to make it appear that i am not willing to pay when i am but i will not sign a legal document showing i was supposed to make a payment on XXXX when the document was not received till after that time. i believe they intentionally sent it after the due date to they could continue to proceed against me legally and not honor the payment agreement that their website initially let me set up, auto deducted payment from my bank account and then automatically took off.
|
| 10/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, your company responded to my cease and desist through the CFPB. The company stated account number ending in # XXXX was placed with your Internal Legal Department. In this response I was given two options on how I can contact Internal Legal shown in Exhibit A. On XX/XX/XXXX, I sent Midland Credit Management - Internal Legal an Affidavit of Truth regarding this alleged debt with XXXX XXXX tracking number # XXXX. On XX/XX/XXXX, the communication I sent to the Internal Legal Department was returned to sender due to forward expired as shown in the attachment.
Since I am unable to reach your company via mail, I have attached my Affidavit of Truth to this CFPB complaint along with Exhibits A, B, and C showing the numerous FDCPA and FCRA violations Midland Credit Management has violated. I, XXXX XXXX, consumer and affiant has first hand knowledge of the facts stated in the Affidavit of Truth.
As stated in my Affidavit, I demand compensation for each one of the violations that I have listed and I also demand deletion of this derogatory account from all credit reporting agencies since this company violates consumers and does not follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Attached is an invoice for the company 's violations.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is reporting an alleged account. I have disputed this account on numerous occasions. XXXX keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. XXXX is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all XXXX different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}.
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.
Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American, Servicemember |
|
For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me.
What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency.
This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later.
The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me.
My credit score has a result been bouncing up and down from good to fair or worse.
e.g. Last month my credit score went from a XXXX to XXXX ( 90 point drop ).
Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute.
The name of the collection agency currently showing this item is XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX.
Midland Credit - address?
|
| 04/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have agreed to settle my XXXX XXXX debt for a single payment of {$1000.00}. I have documentation supporting a single-payment transaction. Midland Credit Management debited my account twice for {$1000.00}, leaving my balance at only {$89.00}. I contacted MCM on Sunday,XX/XX/2019 and a supervisor advised me that they were experiencing a glitch in the system. He assured me that the funds would be returned to me in 48-72 business hours. The supervisor stated that I can call the following business day to confirm when the funds would be returned. I called MCM again on XX/XX/2019 to advise them that both transactions officially cleared from my bank account and I still have not received a refund. I then spoke to a new supervisor who advised me that they are trying to fix the issue and it can take up to 30 business days. I informed the new supervisor that this was not the information I was given two days ago. He just apologized and said that there was nothing he can do. I requested to speak to a manager. I waited on hold for 15 minutes to be told that they would look into it. I agreed to a single-payment of {$1000.00} and was ripped off an additional {$1000.00} with no guarantee that the funds would be returned. I am currently XXXX weeks along in a high-risk XXXX on bed rest.
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
|
| 09/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midland has updated a negative tradeline on my credit report for a past debt. They have updated it since I originally disputed this tradeline via XXXX credit reporting. Midland has the right to add a negative tradeline to my credit report, I am not disputing that. However, I am disputing that they keep updating the negative tradeline on my report countless times since XX/XX/. I did submit a dispute XX/XX/ ; however, I did not continue disputing the negative tradeline since then.
What has now occurred, is my credit number has gone down into the XXXX 's when it was in the XXXX 's.
I have attached a copy of a portion of my credit report reflecting Midland 's updating the balance ( which is actually never been updated ). They did this balance update in XX/XX/XXXX and XX/XX/ ( attached ). This has been happening to my credit report since XX/XX/. Multiple updates made by Midland to the negative tradeline. Midland is violating my consumer rights and not abiding by the Fair Credit Reporting Act via FTC ( Federal Trade Commission ). They may only list a negative tradeline once on my credit report, and they may update if I dispute, but it does not give them the right to update the negative tradeline several times a month since XXXX XXXX They are in violation.
Please help.
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2019 I had a {$150.00} XXXX XXXX Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 XXXX XXXX sold the Debt. to Midland Credit Management. Since MCM has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that Midland Credit Management should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies.
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.
|
| 08/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with XXXX XXXX. Not sure how they are authorized because in the disclosure it states the binding agreement is with XXXX XXXX, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Default date XX/XX/XXXX XXXX charged off XX/XX/XXXX Total Due XXXX XXXXXX/XX/XXXX This debt has been disputed for 15 + years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original acc.statements has been requested by me from Asset Acceptance Recovery services llc on XX/XX/XXXX by certified mail ( have all the proof ) and so with other previous debt collectors.Check all your files it is all in there, sofar all my complaints, disputes and request for complete validations have been ignored also all my complaints with the XXXX, CFPB nd FTC.The debt aint mine.
Why is Midland Credit Management Inc.knowing all of this with no proof of any kind trying to collect in behalf of Asset Acceptance , LLC. with no proof of any kind ever provided and so did none of the others. Your all in violation of the fair debt collection act. the fair credit act. and defamation of charather.I demand a immediate respond to my complaint knowing all of this i will also consult my legal counsil for suit.I will also file another complaint with the FTC, XXXX and the Attorney General ' s office .A COMPLETE FRAUD.
|
| 09/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report.
|
| 12/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
The Debtor has an account on my credit report, I have disputed the debt with all 3 credit bureaus and they have failed to fully investigate. I recently received a letter from Debtor stating the everything is correct, but it is not. A judgment was made without my knowledge by a court or my permission, and I was not summond or notified, Nor did I sign or give this Debtor any permission at all to obtain any of my personal information. According to Fair Credit Act Law, a case has to be filed in the state where you reside, or, where you signed contract. while filing disputes with all 3 credit bureaus the Debtor has not provided my signature in wet ink which I asked for, for proof of debt or proof of permission to have in their possession my personal information. If it is on my credit report, they must provide proof of contract in wet ink, signed by me, and also proof I have givin them permission in wet ink, to obtain my personal information. They have not provided any documentation, which by federal law is fraud, for them having possession of my personal information, and making false, fraudulant, statements on my credit report without any possession of my signature in wet ink, or, permission with my signature stating, they have permission to have my personal information.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit.
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA XXXX for non- compliance reporting of items on my credit report. I request this item be removed.
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
|
| 11/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I DOOOOO NOOOT HAVE AN ACCOUNT WITH MIDLAND CREDIT MANAGEMENT THIS IS ILLEGALL!!! I DOOOOO NOTTT HAVE A CONTRACT SIGNED FROM ME TO YOUR COMPANY. YOU ADMITTED TO ILLEGALLY BUYING A CONTRACT THAT ILLEGALLY WAS NOT BOUND TO ME. I DO NOT KNOW YOU COMPANYYYY I DO NOT HAVE ANYYYYY SIGNNNEDDDDD DOCUMENTS BETWEEN XXXX XXXX AND MIDLAND CREDIT MANAGEMENT. I DO NOT OWE SOMEONE I DO NOT HAVE SIGNED CONTRACTS WITH!!!!!!!! THIS IS AGAINST MY RIGHT LEGALLY!!! NOW YOU THREATENING TO FORWARD THIS TO AN ATTORNEY!!
15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOTTTTTTTTTTTTTTT I REPEAT I DO NOTTTTTTTTTTT have contracts with XXXX XXXX XXXX NOR MIDLAND CREDIT MANAGEMENT, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction.
|
| 05/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern, My name is XXXX XXXX. XXXX # XXXX XXXX Midland Credit Management Inc XXXX MCM is suing me for a credit card debit. I was served on XX/XX/XXXX and was summon to show up in court on XX/XX/XXXX. Then I received a letter stating that the court date has been moved to XX/XX/XXXX.
I have a dispute and have requested information from a creditor Midland Credit Management Inc. I have not received any information from this company and I requested this information on XX/XX/XXXX. We have a court date of XX/XX/XXXX and I still have not received any information. I have a post office receipt showing that the company received my letter.
The following information is being requested from MCM.
**a signed copy of the contract/agreement with my signature stating that I have an agreement with Midland Credit Management XXXX copy of all documentation/paperwork for the XXXX XXXX account showing how the charge amount totals to {$6200.00}.
** signed documentation showing that I give XXXX XXXX permission to sell my personal information XXXX a copy of the bill of sale and the purchase price that the debt collector paid for the debit and the date the debit was purchased.
My contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Thank you XXXX XXXX
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
On approximately Saturday, XX/XX/XXXX I was served with a summons stating I was being sued my Midland Credit Management for {$1800.00}. I have never received notifications from this company in reference to this debt. I received a phone call from a debt collector but they never stated their name therefore I did not speak to them. The summons stated to provide a written response within 14 days of this date and I sent a certified letter on XXXX XXXX denying the debt I was being sued for and requested the contract that I should have signed if it was my debt. Neither the court or Midland Credit responded that they in fact received my letter.
On Saturday, XXXX XX/XX/XXXX, I received a default judgment against me stating I owed this debt. I was never sent a trial date, therefore Midland Credit won the suit by default. I have checked all 3 credit reports and nothing of this value is being reported as a collection item or charge off. I did notice that Midland credit did in fact run my credit against my knowledge four times in XXXX.
This is not my debt and now due to a default judgement against me I am having to pay Midland Credit Management for the amount of {$1800.00} plus 5 % if not paid in full. If I appeal the decision the amount is estimated to be roughly {$3900.00}.
|
| 07/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
On XXXX XXXX, Midland Funding LLC entered a Lawsuit in XXXX County , Tx Cause Number XXXX Against the Respondent XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I sent a Certified Return Receipt Letter with the U.S.P.S. to 2 different Addresses listed on the Original Petition asking for Full Debt Validation and all Account Level Documentation/Consent Order for Any and All accounts in my Name. On XXXX XXXX, A CONSENT ORDER File No XXXX was issued in a Administrative Proceeding.`Also Cause No XXXX XXXX XXXX. COMPLAINT FOR PERMANENT INJUNCTION AND OTHER RELIEF, And on XXXX a STIPULATED FINAL JUDGEMENT AND ORDER.See Attached Exhibits.
Midland Funding Failed to Respond to My Written Request For all ( OALD ). ORIGINAL ACCOUNT LEVEL DOCUMENTATION/Attachment Rule, Within 30 days.
On XXXX XXXX I also emailed Attorney XXXX XXXX Listed on the Petition.once Again Midland Funding Failed to respond According to the Rules set into Federal Law with the Consent Order.Midland Funding LLC has not Presented OALD to Date and is Suing Me with the Knowledge that I am XXXX with only Benefits of 100 % XXXX Veteran/VA and SSDI Benefits which is also Protected, My Home is Homestead.Midland Funding is in Violation of the above and Not Limited to the Above Mention Consent Order.
XXXX XXXX XXXX XXXX
|
| 03/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I received a " pre-legal '' notification in the mail from Midland Credit Management attempting to collect a debt dated XX/XX/2019. This letter advised that I needed to provide a response by XX/XX/2019.
My concern is that I am being threatening with forwarding my account to an attorney but I don't have any idea who Midland Credit Management is. I've never applied for an account with this company, they have never extended credit to me and I've never agreed to do business with this company.
This is the first correspondence that I have EVER received from them. Their documentation doesn't tell me anything about how they obtained my personal information or why they are contacting me.
After googling the company it appears that they are a debt collector but the documentation that they have sent to me doesn't indicate that they are attempting to collect a debt nor did they advise my right to dispute or request validation of the debt. They stated that they've sent a previous letter to me but I have NO RECORD of ever receiving anything from them.
I would like to file a complaint against this company for violation of the Fair Debt Collection Practices Act. If this company is reporting any derogoratory information on my credit report I would like it immediately removed.
|
| 10/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midland Credit Management is attempting to collect a debt on behalf of XXXX XXXX for {$870.00}. On XX/XX/2019 the alleged debt was sold to MCM. My first attempt, I sent a validation notice delivered on XX/XX/2019 certified with return receipt. My notice was ignored and MCM sent a Pre-Legal Notification dated XX/XX/2019. My second attempt I sent a Fault, Notice of Non-response, Non- Negotiable with an Opportunity to Cure delivered XX/XX/2019. My Notice was ignored and MCM sent another Pre-Legal Notification dated XX/XX/2019. My third attempt I sent a XXXXease and Desist notice on XX/XX/2019.
Midland Credit Management is NOW harassing ( name )!
Midland Credit Management are debt collectors and has failed several times to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. Midland Credit Management did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm.
Midland Credit Management claims to be the current owner ( HOLDER IN DUE COURSE ) yet, Midland Credit Management has failed several times ( certified mail numbers provided ) to provide ( name ) with THE ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.
|
| 12/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago.
According to the records obtained by Midland Credit company, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by Midland Credit Company. I never received a credit card statement because of the fake address and never even knew this happened until Midland began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report.
I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by Midland have taken a toll on me and my family emotionally and caused undue stress on us all.
|
| 02/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I paid off a debt in XXXX 2009 to Midland Funding. I contacted them 20 days ago to get this cleared up. They had me pay for a debt ... not sure it was the same one, but I paid it. We then found out that the court house actually has a copy of the judgment being paid in 2009 but the release of judgment was never filed by Midland Funding nor its attorneys. Midland funding says this will take a minimum of 30 days to resolve. I am trying to get housing for my family and this is hindering us to do so. Midland funding says they will not speed up the process. This is not fair. This should have been completed in 2009.
When I talk to them, they are unresponsive. I have read that the fair credit reporting act and that should protect me from this abuse. I am requesting Midland funding to expedite this request and reimburse us for the {$1300.00} paid XXXX/XXXX/2009.
This being on my credit since 2009 has been detrimental to my family in not being able to obtain credit and housing. Please intervene and ask Midland Funding to expedite our request and not give the old standard line ... .it may take 30 days ( not longer than 90 ) To our family, this is not acceptable and we may lose the ability for housing if not completed within 15 days. I would appreciate your assistance.
|
| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Midland Credit has not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( XXXX ) and 15 USC 1692 ( f ) in this alleged matter.
XXXX ) What is your authorization of law for your collection of information?
XXXX ) What is your authorization of law for your collection of this alleged debt?
XXXX ) Please evidence your authorization to do business or operate in the state of Florida.
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
|
| 06/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested that this company validate the debt they claimed is owed over 30 days ago and they have yet to do so. The debt is not valid to my knowledge and the company is continuing with the lawsuit and derogatory accounts on my credit reports. Listed below are the actions taken by both myself and the attorney office that is representing the company.
XX/XX/2022 A Complaint submitted by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against myself XX/XX/2022 Summons Mailed Notice submitted by Case Management XX/XX/2022 Answer uploaded by Case Management Staff submitted by Defendant stating that this debt is not valid to my knowledge XX/XX/2022 REQUEST TO ENTER DEFAULT JUDGMENT submitted by PAPADELIAS, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against Defendant XX/XX/2022 Trial scheduled for XX/XX/2022 XX/XX/2022 Motion to vacate submitted by Defendant XX/XX/2022 debt validation letter sent to plaintiff via certified requesting information to validate debt that is claimed to be owed XX/XX/2022 no response from plaintiff with documentation XX/XX/2022 REQUEST FOR ADJOURNMENT submitted by XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC .
|
| 03/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this off in full and provided the company with the wire information but they put this account in collections and continue to contact me. This is illegal. They have not provided anything saying this debt is still a debt. It was paid in full and proof was provided. What theyre doing is illegal They tried to to collect charges in addition to the debt unless they are allowed by the contract or state law Communicate with you about a debt by postcard Use any language or symbol on an envelope for correspondence with you ( other than its address ) that indicates it is a debt collector Tip : Keep good records of your communications with a debt collector.
This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing.
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This current debt that is trying to be collected by midland credit is the result of A fraudulent charge that I reported to XXXX XXXX XXXX on XX/XX/2018.
My credit card was stolen and used. I called into XXXX XXXX XXXX and for some reason there wasn't a fraud department to dispute charges. They instructed me to write in to a specific address to dispute the charges in writing. I did so the next day. NO investigation was completed after that. In fact they continued to call me and threaten me to pay my balance that I did not charge to my card. Even one person had the audacity to call me cheap if I couldn't pay for the small XXXX XXXX XXXX wanted me to pay the balance that I didn't charge to my card. Attached is the letter I sent with no response from XXXX XXXX XXXX.
I have now have a negative charge on my credit report for these charges that I did not complete. These negative charges are keeping me form getting the current job that I am eligible for. This is a formal complaint to MIDLAND CREDIT and XXXX XXXX XXXX that I will take legal actions based on the XXXX law prohibiting me to accept a job based on a negative credit remark. Legal actions of incorrect reporting to all credit agencies that are simply false and for putative damages up to {$500000.00}.
|
| 11/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Midland Credit Management has called me numerous times throughout the day since the beginning of XXXX I have already complained to the supervisor "XXXX regarding the aggressive behavior of my account manager, XXXX XXXX and requested that my account, be transferred to another person without success. I have spoken repeatedly to XXXX and explained that I am experiencing financial hardship. My family was affected by the XXXX XXXX fire and my son's father suddenly stopped paying child support in XXXXr which has make bills tough. I spoke to the Supervisor on more than one occasion and expressed that I would need more time, which he allowed but I continue to get aggressive calls from XXXX despite the fact that I informed him that I had already spoken to his supervisor and that he was going to allow me more time due to financial hardship. When I would speak to XXXX he would talk over me, reading from a script, interrupt me, and make snarky remarks.Calls have been made to me on the following dates and times in the last week.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A few years ago upon checking my credit report, I noticed a collections account listed by Midland Funding LLC with a " placed for collections '' date of XX/XX/XXXX. At that time my credit score dropped due to the listed collection ( which I deny owing ). Up until XXXX of XXXX my credit score had been at XXXX. At that time, I received notification from XXXX XXXX that my credit score dropped 53 points in one reporting period to XXXX. When I researched the reason for this precipitous drop, it showed that Midland Funding LLC had removed the collections account and reinserted the account as a " new account in collections '' in the same period under Midland Funding ( minus the LLC ), thus causing my credit score to plummet. This has caused my credit to drop below XXXX which will make renting an apartment or obtaining auto financing ( which I will need to do in the next few months ) very difficult. I contend that this is wrong, including the fact that Midland claimed the account in collections back in XXXX only to now reinsert as a " new '' account in collection and only removed the LLC from the listing despite it being the same company. This devious tactic should be reversed immediately as well as the collections account being removed permanently from my record.
|
| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company has garnished wages without providing verification of debt and without notifying the courts they are collecting the debt on behalf of XXXX XXXX for account XXXX, Ive spoke to a legal representative and requested for her to provide validation of debt and she said theres already a garnishment in place so they can collect on debt owed which is actually from XXXX XXXX and not XXXX XXXX. This company has also refused to oblige by their pledge to stop collections efforts on accounts suffering from financial hardship with documentation. I have provide FMLA paperwork to XXXX XXXX more than once, this information was taken into consideration with their collection department but not their legal department and this company is suppose to be one entity. The representative Ive spoke to stated that I DID NOT MEET THE CRITERIA with the legal department but the criteria was met with the collection department. He did not request for additional information and said he can not disclose what else is needed. This company practice unlawful acts when collection from consumers, and although the accounts are suppose to be cease and desist I was still contacted by mail from this company and not through law which is a violation of 33-18-1004 and subject to civil penalty.
|
| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the Area Aging Agency in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.
|
| 03/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My XXXX balance paid off XXXX card had a fraudulent cash advance in XXXX and XXXX of XXXX. This charge was done online by stealing my login, my physical address, email and phone number were changed on the account so I was not notified. The person tried to pay off the charge with my linked bank account and this was when I was notified as I did not have the funds in my bank account. I reported this with XXXX XXXX and they told me all was determined fraud. I was told by XXXX that since my address was changed and I flagged and closed the account they could not send me this determination of fraud in writing.
The fraudulent {$9600.00} {$9000.00} principal {$450.00} interest {$170.00} fees I was also told by XXXX that the fraudulent party opened a checking bank account under my social linking the accounts on line. They closed all these accounts after I alerted them.
XXXX XXXX then sold my account to a debt collector in XX/XX/XXXX to Midland credit management. They did this after they told me I had no responsibility to the charges and it was all marked fraud.
I do not have the statements that were fraudulent as my contact info was all changed. The address they altered is a XXXX XXXX dollar home, and not mine. I live in a lower income dead restricted address.
|
| 11/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Hello.
I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency.
Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area.
Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID.
And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I was called on XX/XX/XXXX I was left a voicemail by a compliance officer and a case number saying there was a pending case against me not stating what for but threatened to have someone come to my place of residence or employment to sign papers still not stating what for when I returned the call the man stated that they were a debt collection agency attempting to collect a debt owed from a company called midland funding I have a collection on my credit for a midland funding so I thought this was the debt and when asked I said yes that is a debt I owe he then proceeded to say it was for a payday loan I received in XXXX. I asked for proof of this debt as I dont recall and he told me that is what the compliance officer is going to give me when he finds me at my place of residence or employment. They have apparently called me multiple times and now they have left that voicemail again not stating where they are calling from and what the debt is until I returned the phone call and still he didnt provide me with adequate information so I can confirm this debt is me. If Im not mistaken they are required to let me know who they are in the voicemail they left that was threatening which they didnt do and I dont believe they are allowed to come to my job for that.
|
| 06/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. XXXX XXXX, XXXX mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can XXXX XXXXXXXX XXXX allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
|
| 04/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
MIDLAND FUNDING LLC promised me that if I went with their service, they would pay off my credit card, take a small payment every month, and nothing would show up on my credit report. I made EVERY payment through autopay without issue. In XXXX, the debt MYSTERIOUSLY showed up on my credit report. Every time I called, I'd spend hours on the phone being transferred from one call center to another without any help. The call center in XXXX would berate me, one man even told me " women can't handle their money! '' and hung up on me. Meanwhile, they were falsely reporting the debt amount and that I missed a payment on my credit.
To make it go away, I paid the amount in full and was told that the debt collection would be removed from my credit report. It hasn't been.
I have asked them numerous times, called countless times to rectify this. They do not help me and I end up in the XXXX call center even when I ask for domestic. The men in the XXXX call center blatantly discriminate against women and have insulted me several times.
Meanwhile, I've paid this off in full to XXXX balance.
This company has no integrity, and I'm very angry they continue to report fake numbers on my account and mar my credit despite my paying every payment on time without issue.
|
| 09/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, XXXX I received a letter from XXXX/XXXX, XXXX which I will attach. This letter is a notice of a debt collection for their client, Midland Funding, LLC. The original creditor being XXXX , XXXX XXXX
I have never in my life even heard of Midland Funding. I have never in my life acquired debt from XXXX.
I went online and read the long history of problems and deceitful practices by both XXXX, XXXX and Midland Funding.
I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this.
I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone.
I am frankly fearful to even call this XXXX XXXX company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX.
I responded in writing to XXXX within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously??
Please help!!
|
| 07/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Midland Funding, LLC. properly investigated this account because there are obvious inaccuracies.
The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is IQ Midland Funding , LLC 's job to make sure this information is correct by conducting a proper investigation.
Midland Funding, LLC. has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to.
Midland Funding, LLC. has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to.
I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
|
| 07/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I was notified by mail On XX/XX/XXXX that a writ of garnishment was being filed on me. I do not know who the original creditor was. The letter seemed to be from the XXXX XXXX County Clerk of Court in XXXX XXXX, FL. The amount that is being garnished from my account is {$2000.00} dollars. The letter stated that I had 20 days to reply to the letter before any action being taken. Along with the letter was a claim exemption form that I needed to fill out and send to the Garnishee ( My Employer ) and the Attorney for the Plaintiff which I did within the given time frame.
I received a second letter that was dated five days later stating that the garnishment went into effect immediately without them waiting for the given time frame to expire and without getting my response or claim exemption form first. As I checked my pay stub, it shows that my paycheck was garnished {$240.00} for the pay period. I am furious, and disturbed that this can happen to the head of a household that earns less than {$750.00} per week. I need help and answers. The Plaintiff that is garnishing my wages is XXXX XXXX.
* To further make matters worse, the correspondence that was sent to me has my first name misspelled. This may not even be a debt that I owe or that is even my own.
|
| 05/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is an old Secured XXXX XXXX card from XXXX , it was sold by Midland fu nding, whom can not verify this account as I was told it was sold an d i would have to deal with the purchaser. Midland Funding can n ot verify this debt and XXXX has no right to charge off a Secured Card and refuse to help. I will not deal wit h Midland Funding because they have no agreement from me to take over th e account and the balance also has interest added to it, they can not charge me interest on a charged off account, I did not apply for this card through midland funding and as they do not have my application, they have no authority to collect this debt, they are not a Bank and i have no agreement with them. they reported this to all credit Bureaus as a charged off collection account, yet they have no authority to report it and they know this debt can not be reported by them as they can not prove i owe THEM! XXXX told me Midland Funding Bought this account, but i do n't recall selling it to them. and since they can not send me a copy of my application, the y need t o delete this from their files. it is nearing 7 years old, s o it should be removed anyway but i want them to know they have no rights to collect a debt secured by my savings account.
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Received communication in late XXXX early XXXX from Midland Credit Management and could not communicate with the agents to understand the debt or try to resolve the debt. The agents would over talk me and I could not asked or get a question answered the agent would get louder. So, I stop trying. It was frustrating to XXXX XXXX I asked them to only communicate by mail. They had my most recent address and my previous address and my current address. They sent a court order to a XXXX XXXX XXXX address whose occupants I was not in contact with. After garnishment was started and research was done I found out where the paperwork went. The court records were researched to find what was being filed against me. This company received {$2000.00} for a debt that has yet to be clarified for exact amounts. And, the debt release was received in XX/XX/XXXX and they still have not refunded the total amount of overage in 5 months The court clerk was contacted for copy of original documents and it has different monetary amounts from what I was told on the phone was the debt owed. {$510.00} is still outstanding and these are checks that were supposedly mailed back to my employer in XX/XX/XXXX. I have dates, names and times I tried to clarify this issue starting in XXXX.
|
| 07/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had made a purchase totaling {$39.00} on a XXXX XXXX credit card on XX/XX/XXXX, half of which was delivered to me via mail at my address at the time. Prior to the purchase, I had changed my address with XXXX XXXX, online on their website, which clearly went through, as I began receiving catalogs, and my ordered merchandise, at that address.
In XX/XX/XXXX, I received mail notification from Midland Credit Management ( MCM ) that I now owed {$310.00}, on the original unpaid {$39.00} purchase. The agency handling the billing for XXXX XXXX, XXXX, had been sending my statements to an old address from XXXX, despite my having changed the address with XXXX XXXX in XXXX. On XX/XX/XXXX, I called MCM to dispute the charges, and offered to immediately pay the original amount due, which I was told was unacceptable to them. I never received the billing statements, sent to my prior address, as my forwarding had run out 24 months before. Somehow between XXXX XXXX, XXXX, and selling my debt to MCM, my current address had been dropped. In the meantime, I had purchased thousands of dollars worth of home furnishings from XXXX XXXX, paid by XXXX, and was clearly good for the original purchase. I do not believe I should pay for their clerical errors or database merges.
|
| 03/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
None of the choices were about my complaint but it made me choose one. I am reporting Midland Credit Management for continuing to report inaccurate information on my credit report. I agreed to pay my FULL BALANCE of what I owed to a past credit card. I had a balance of {$1500.00}. I have been paying {$150.00} a month since last summer and have paid down my balance to {$380.00}. Every month they report as though this is a new debt with the high balance being each months new balance. This continues to NEGATIVELY impact my credit score because they are FALSELY reporting my HIGH BALANCE and then what the remainder is. I have contacted them and basically was told tough luck, thats the way we report. This is unfair and should be IMMEDIATELY remedied. I did not shirk my responsibility nor negotiate a lower debt to pay, even though I could have chosen those options. The LEAST they can do is report my debt and payments correctly! Every month I get a notification that my debt collection needs attention because they change my high debt amount to the new balance owed. I am sick and tired of this company getting away with improper and unfair reporting and wish for a complaint to be filed against them and my account to be reported fairly. Thank you for your time.
|
| 04/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, This is my second request and complaint.
Your company reporting a collection account ron my credit reports. According to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety, and you need to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature that I have with this company A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
ALL statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If you can not provide everything I ask for to validate the account, then you are to remove the collection account from my credit reports. If you will not remove it. I am a litigious consumer and have every intent to sue for violations of FDCPA.
|
| 01/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company is passed validation period of 30 days to validate two debts. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting the debt and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debts are mine. I have disputed these debts several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember these debts are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditors are the debt collector. By law it is the burden of the Collector to show I legally owe the debts and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debts must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
|
| 02/01/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
Midland Funding is reporting an account that was closed in XX/XX/XXXX by XXXX as a Opening date of XX/XX/XXXX and XX/XX/XXXX, which means that this debt will remain on my credit for until XX/XX/XXXX b/c it reflects the account being 1yr and 1 mo old. This is a incorrect date b/c XXXX closed it in XX/XX/XXXX and it should start from that date. I disputed this account thinking that someone stole my information b/c of the dates that were reported as being " opened ''. When I called XXXX XXXX they were unable to find these accounts by my ssn. After doing some digging in their systems they confirmed that it was sold to Midland but it should not show up as a opening date of XX/XX/XXXX and XX/XX/XXXX. The lady submitted a dispute with their credit department to have it removed. After doing my investigation midland is re-ageing this account and which they cant do that by law. I called Midland and the rep stated that the date of XX/XX/XXXX and XX/XX/XXXX should not be showing as an opening date on my credit and it should be converted back to the date in which it was closed by XXXX. I explained to her and read what was on my credit report. She said she would document the account b/c its already in a dispute status b/c this is the 2nd time I am disputing this.
|
| 01/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
On XXXX XXXX, XXXX, at XXXX XXXX., I received a phone call from ( XXXX ) XXXX from someone identifying himself as a representative of Midland Credit Management or Midland Funding. The call lasted 4 minutes, during which he verified my personal information and asked me to verify a debt. I told him I was not sure what he was referring to. He also asked if he was contacting me on my cell phone, and I told him yes. He asked if he had permission to continue contacting me on my cell phone. I told him no. I received the following calls at the following times : XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX.
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX.
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX., XXXX XXXX, XXXX - 1 call - XXXX XXXX.
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX.
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX.
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX.
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX.
XXXX XXXX, XXXX - 1 call - XXXX XXXX.
According to my phone records, they have attempted to contact me 19 times on after that initial phone call on XXXX XXXX, XXXX, during which I told them they did not have my permission to call my cell phone.
|
| 06/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This issue began when Midland Funding LLC, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that Midland Funding verify the debt owed with documentation ( not their bills which proves nothing ).
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them.
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files.
I was contacted from XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement.
I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.
|
| 01/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to get all credit bureau to get this collection agencies to verify that I owe the debt multiple times, by having this collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from this agencies showing proof NOT a bill or last statement as previous.
This collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
What is their authorization of law for their collection of information?
What is their authorization of law for of their collection of this alleged debt?
Please evidence their authorization to do business or operate in the state of New York.
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is proven and complete the to my and law satisfaction, I will be continue to seek proof of such debts from collection agencies.
|
| 09/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Without any indication or notice, on XX/XX/2018 my personal checking and savings accounts were both frozen. My bank passed along the only information that they were given. I was told to call the provided number to speak with a Midland Credit Management lawyer. I swiftly called the provided number, it belonged to my local Sheriff Dept. After talking with the Sheriff I learned only that MCM had frozen my accounts, and they were pursing a " sheriff sale '' of my personal items to pay owed debt. After multiple conversations with both my bank and MCM I felt pressured to pay this owed debt ASAP! MCM told me the easiest and fastest way to solve this issue was to pay debt in full via XXXX. XX/XX/2018 I went to my local XXXX location and paid MCM my debt in full {$1700.00}. A month had gone by and my accounts were still frozen. I contacted MCM in hopes of getting a resolution. MCM told me " yes, debt is paid in full. Attorney has paperwork on his desk. When he gets to it, your accounts will then be released ''. Now here it is 2 months later and my debt is paid and my accounts are still frozen! Beyond frustrated at this point and I do not know where to go from here. Please help/guide me in a direction to solve this once and for all.
Thank you for your time.
|
| 06/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received notification from XXXX XXXX XXXX that I owed a debt previously owned by XXXXXXXX XXXX that I believed to have been settled ( believe account was settled for approx. {$900.00} payments reflected on old bank statements ). I sent a certified letter to the address on the notification asking for an account statement or complete history reflecting name, last four digits of the account number at the time of charge-off and the charge off balance or claimed balance including any post charge off payments. As well as other information such as transaction history and evidence of the transfer of ownership. The reason I asked post charge off payments because this company falsely reported payments to lengthen or reactivate debt. I never received the requested information but was served a summons. Even the exhibits that are attached to the summons do not include the alleged payments I was supposed to have made. Exhibits shows two statements. One from XX/XX/XXXX showing payments I did in fact make ( shows on my bank statements ) and another from XX/XX/XXXX showing no payments. Company falsely reported I made payments on this account in XX/XX/XXXX after they supposedly acquired account in XX/XX/XXXX. Also sent someone to my house to photograph my property.
|
| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
For the pass, several mouths I was receiving a debt for my same first name, but a different last name, so I threw them away. I then had someone come to my door and deliver an open letter stating that Midland credit was suing that name. I had already checked my credit report before, but I check it again. This time the debt was showing up on my credit report. I contacted them and said that I would have to file a police report, which I did. The letter that they sent out to me said that the account was opened in XX/XX/XXXX, and that Midland purchased debt on XX/XX/XXXX. I was divorced from my first husband in XXXX, with the name that was on the debt. But I legally change it back to my maiden name. A few years back, which could have been in XXXX, I had noticed a CC on my credit report that was opened and was not my card. I reach out to the company, and they said that they would close the account. They said that the people that opened it were out of XXXX. All they did was close it, and it was taken off my report. I feel like this might be the same card. I did not open this Credit Card. Somebody used my SS # to open an account in my old last name. This is fraud against me and my SS #. I have my divorce papers, and my marriage certificates to prove this.
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My complaint is with Midland Credit phone number XXXX XXXX XXXX XXXX.
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX XXXX, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam.
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open.
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, Midland Credit does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you
|
| 10/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To : Consumer Financial Protection Bureau My name is XXXX XXXX and I would like to file a complaint. I have been blind-sided by a company named XXXX XXXX XXXX. Unbenounced to me I have started being garnished for a bill that the XXXX XXXX XXXX XXXX paid for me aroundXX/XX/XXXX - XX/XX/XXXX. These bills that they are trying to collect on are 20 years old and most importantly, have already been paid by the XXXX XXXX XXXX XXXX. In addition, I am being garnished by a company I know nothing about. This Midland company came out of nowhere and started a case against me that I just learned about three weeks ago when the garnishment started. I have not received any communication ; no phone calls, no mail correspondents, etc. But my main complaint is I dont owe this bill that they are trying to collect on.
I have done some of my own research and found that XXXX XXXX XXXX has several names and several lawsuits against them for illegal business practices against consumers. Is this company a fake, are they scan artists, or are they just getting away with stealing money from consumers. I WANT MY MONEY BACK THAT THIS COMPANY HAS STOLEN FROM ME! And how is it that they have lied to my employer and got pass them to garnish me on a fake claim.
XXXX XXXX XXXX
|
| 08/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XX/XX/2018. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XX/XX/18bat XXXX XXXX. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. XXXX XXXX XXXX sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.
|
| 09/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Client was sued by Midland Funding in XXXX XXXX on an account stated. Midland Funding, in its complaint, stated that the date of default was XXXX XXXX. It also alleged that defendant last made a payment on the account in XXXX XXXX. When Client asked for discovery, she was provided with XXXX account statements. The final statement, dated XXXX XXXX, XXXX, states a {$0.00} balance. No evidence is provided that Client made a payment after XX/XX/XXXX, other than a single sheet of paper that looks like it was printed from Midland Funding 's own records which simply provides a summary of the account and says that the last payment was in XXXX XXXX. Client believes this case is barred by the statute of limitations and has several other affirmative defenses. There was also no substantive evidence provided that Midland Funding owned the account.
This case is still ongoing despite the consent order issued earlier this month in which the CFPB was involved and which describes such behaviors as being illegal and directs Midland Funding and its agents to cease its wrongdoing. This case should never have been filed and appears only to have been filed in the hopes that Midland Funding could continue its abuse of our justice system to obtain a default judgment.
|
| 05/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received a motion to transfer letter from XXXX, XXXX, XXXX XXXX XXXX XXXX on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted XXXX, XXXX, XXXX XXXX XXXX XXXX regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the first letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - Midland Funding LLC. This letter regarding motion for transfer is the first correspondence received from XXXX, XXXX, XXXX XXXX XXXX XXXX at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement.
I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
|
| 05/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I would like to have an investigation opened in regard an account on my credit report that does not belong to me.I was notified through a housing counselor while attempting to purchase a home, that there is an outstanding balance for a credit card that I never had had. The counselor advised me of the negative accounts with this one in-particular being an issue. I have since rectified one and am having difficulty getting the last one laid to rest. The account in question is from Midland Funding. The amount is {$810.00}, which from my last look at my report today has occurred new amount as of today XX/XX/2021 of {$810.00}. I have have taken the liberty of contacting the credit card company once I had the name ; I spoke directly to a supervisor to get clarity on the matter. I was notified that the account was sold. I let the supervisor know that I was not aware of this fraudulent activity until recent. I would like for a fraud case to be opened on my behalf. The account I feel should be opened for more than three reasons. # 1. Inaccurate information and dates. # 2. Identity theft and # 3 Inaccurate documentation.
In closing I would like for the CFPB to investigate please and thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX
|
| 05/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I filed for Chapter XXXX Bankruptcy in XXXX. My lawyer filed all qualifying debts with my paperwork, notification was given for any debt collectors who wanted their piece with a deadline, all rules within Washington state were followed. I meticulously followed my court ordered plan and all debts were discharged at the end of my plan. One credit card company had kept popping up that had been denied their payment by the court trying to go around the bankruptcy and come directly for me with their collections. My lawyer kept shutting them down. Now here we are in XXXX of XXXX, chapter XXXX has been discharged since XXXX of XXXX and I get served with paperwork from a company called Midland Funding LLC. They filed to garnish my wages and got a judgement against me with a judges signature from TWO MONTHS ago and Im just now being notified on an OLD DEBT THAT HAD BEEN DISCHARGED. The original debt is listed at XXXX. After filing fees, service fees, court costs, and accruing interest the total amount owed is {$1000.00}. This is completely illegal. It is that companys ( Midland Funding ) job before they purchase a debt to research if its even a legally owed debt before they pursue it in court. Thats their mistake and their loss on legal fees. Not mine.
|
| 04/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Midland Credit Management is a scam company that tries to collect debt that is way past the statute of limitations. I owe them nothing, I owe the company they bought the debt from nothing, and they state as much in their postal correspondence to me. They actually write on there " This debt is past the statute, we will not sue you, paying this debt won't go on your credit report '' NONE of this is on my credit report anyway, but even if it were, I'm not paying these guys on a ten year old debt.
They somehow got my phone number, I'd really like to know how, and call me every morning. I answer and they hang up. If I don't answer they don't leave a message. I called them back on a different number and told them not to call me number. They agreed, on XX/XX/XXXX that they would add my number to the " don't call '' list. Today, XX/XX/XXXX, they called again, and hung up when I answered. So I called them back and AGAIN told them not to call me. They wanted the last four of my social for " verification '' AFTER they already told me what my name was. I said " no, I'm not giving you anything, stop calling me, stop calling my number. '' These guys are criminals, they are everything that's wrong with collection practices, and this constitutes harassment.
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A collection agency called Midland Funding, which legally is named Midland Credit management XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016.
Midland Funding refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX which was included in the bankruptcy discharge included debtors.
As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that Midland Funding has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports.
please refer to the XXXX complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I made a final payment agreement with Midland Credit Management ( MCM ) by making a payment of XXXX on XXXX from my banking account. They agreed that they would report to the credit reporting agency that debt was settled for less and closed. MCM has not upheld their agreement by reporting to the 3 credit bureaus correctly. I have copies of the letter. XXXX I contacted MCM to advise it has not bent properly updated. No one would assist. I reached out to XXXX reporting to them that the account read incorrectly and sent copies showing debt was settled. XXXX states they contacted MCM and was told that the XXXX balance was correct, account is still open and only updated the date of payment for the XXXX made on XXXX. I called MCM back because court records show that MCM closed to small claims court case on XX/XX/20 as a dismissal since payment was made and check cleared. Still no solution and my credit reporting is incorrect 4 months later. MCM viewed my credit credit report activity constantly and used that information to take me to court demanding payment for a file they purchased from another vendor. Called my line and sent numerous letters the least they can do is uphold their end of the deal and update my report to reflect the proper status
|
| 01/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
They called me in XXXX about a XXXX XXXX credit card that was in my name that someone else apparently had been paying on or never paid on. Me myself had never gotten a statement from them at my current address that I been living at forever they never contacted me on the phone about this card until XXXX and obviously I was never linked to this card or they wouldn't have contacted me at this point and I assume they got my number out of old records after XXXX XXXX sent them this information because I've done business with Midland Credit Management through other companies. XXXX XXXX never contacted me not have I ever in my life had a XXXX XXXX Credit card. I told them all of these things and they even asked me if there was someone on my family that I know of that would have used my information. Clearly if I knew that I wouldn't be having this problem but they continued to harass me they repeatly called me just recently here in XX/XX/XXXX harassing phone calls and some in late XXXX after I told them Stop calling me, I never had that card and I'm constantly working over the road as a XXXX XXXX so that gets irritating I've pretty much reconciled all of my debt since I been driving so if that was actually my card why wouldn't I have reconciled that.
|
| 03/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Called XX/XX/2022 at XXXX XXXX from XXXX XXXX to discuss possible debt. After listening to the disclosure and the amount claimed I owed, I said I had not received any written notice and would like to dispute the claim and to please send something written so that I can verify the charges. After repeatedly stating that I would not be making arrangements, the agent made no attempt to begin disputes process. Instead went on a sales pitch asking me about when I last looked at my credit report and threatening that if I didn't make arrangements today, I could have my account turned over to a lawyer " that it could happen after we get off this call '' and mentioned possibilities of consequences such as liens and garnishments to paychecks or properties. I repeated that I would not be taking actions until I received a statement that I could verify and that until that time there was nothing else to talk about, then asked to end the call. He held me on the phone to " be honest with me '' he couldn't send me anything by mail ; it was online and I could verify right now. I took a moment to try to compose myself while I heard him talking about how silence wasn't going to help my case and if it wasn't resolved my case could go to a lawyer and I'd be sued.
|
| 10/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I can't give you dates because these people ( Midland Credit Management XXXX XXXX XXXX ) have called me up to 3-4x a day since XXXX of last year and I have requested that they QUIT calling me NUMEROUS times. I have also been called at XXXX, XXXX, before XXXX, you name it, they've done it all.
I block their numbers, they come back with literally 50 more, probably using a XXXX phone pool of rotating numbers. I think I reported about 20 of them the other night.
They also refuse to announce who they are, only claiming that they're calling about a " Business venture '' in which I made a caller slip up on a call because she failed to claim our call was being recorded until AFTER I called her out on shenanigans in which she announced who they were and why they were calling.
I have had them tell me they can't stop calling me unless I send a written letter, this is also a lie. When I tell you " Stop harassing me '' and you continue to do it, that's legal grounds.
Listen, I'm fed up and these stalkery, creepy people with a bad business plan aren't my responsibility. Buying debt is XXXX. They can go under and deserve to.
Tell them to take it up with my strawman account while you're at it. Americans aren't playing this fake debt game anymore.
|
| 10/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the XXXX XXXX XXXX in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is Midland Funding LLC from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.
|
| 03/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Re : Midland Funding , LLC Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}.
I found out about this debt while looking up my name in the XXXX Superior Court case information website.
I contacted Midland Funding , LLC ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that Midland Funding LLC would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days.
I paid {$1400.00} to Midland Funding in XX/XX/XXXX, over the phone.
Midland Funding LLC stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.
|
| 02/13/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I took out a best XXXX XXXX card and it went into collection. in XX/XX/2015 I got a payment notice from them and said I was unemployed and could n't pay them any money because I was n't receiving any unemployment and my wife and I were barely getting by on what she was making. I sent them a check for {$25.00} along with a letter explaining our situation and that as our situation allowed we would start to pay small amounts towards the debt. I also asked that all communication be in writing.They never cashed the check and they did n't communicate with us for a year about setting up a payment plan. I did n't hear from them until last spring. They filed a lawsuit against me for a little over {$2500.00}. I tried contacting the collection agency to set up a payment arrangement and they had no record of the account let alone that it had gone into litigation. My wife and I ended up moving and again we had n't heard from them until XXXX where we got a court order for them to take my state tax return that was dated XXXX. I called them last week and explained again that I had been unemployed and just got to the point to where we can start paying on this bill. They wanted the full amount right then. They were n't interested in setting up payment plan.
|
| 02/04/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recieved a undated notice from Midland Credit Management on or about XX/XX/XXXX stating that I have a current balance owed to Midland Credit Management in the amount of {$3400.00}. However this debt was settled in XXXX County Florida XXXX Circuit Court on XX/XX/XXXX for {$2500.00} with a payment stipulation/ obligation for me to pay {$50.00} on or before the XXXX of every month until the entire amount settled upon ( {$2500.00} ) was paid in full. I have never missed a payment. On my monthly Midland Credit Management statement, received XX/XX/XXXX, the balance owed is stated as {$320.00} with a {$50.00} payment due by XX/XX/XXXX, which I have since paid. Midland Credit Management is deliberately trying to deceive me into paying a different amount by listing inaccurate payments and balances with the hope I expect to deceive me in to paying the wrong amount and therefore negating the court settlement agreement which would put me in default of the settlement and allowing Midland Credit Management to charge me with the original debt balance to paid in full. I believe this notice from Midland Credit Management constitutes deceptive practices, false information and harassment. Please be kind enough to enter a complaint on my behalf. - XXXX XXXX
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX.
Midland credit management.
Amount XXXX Have already paid XXXX XXXX XXXX almost XXXX XXXX for a debt I didn't owe.
My identity was stolen from me without my knowledge my XXXX XXXX used all my personal information to do all these debts. At the time I was married to him I was a XXXX and was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX He took care of the financial matters. I didn't have a steady job. Inspite of reporting to the credit bureau XXXX XXXX and XXXX, I still am repeatedly harassed by getting letters in the mail that I owe all this debt .and phone calls asking to verify my personal information.my credit has been affecting me to even rent a place to live. I am a single mom trying to take care of my child with needs and can not hold a full time job because of XXXX XXXX XXXX XXXX XXXX
I barely pay my bills with my part time job XXXX hours a week. I have no family or any support.
In XX/XX/XXXX. My identity was stolen by a scammer online pretending to be an XXXX customer service representative.stole my identity this was reported to the law enforcement agency in XXXX XXXX WA.
The reference number for the police report is XXXX.
And for the identity theft reference number is XXXX.
Please help ASAP.
Thank you.
|
| 05/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This Debt collection agency has continued to report erroneous information on my consumer profile since XXXX of XXXX. I have written multiple letters to them as well as the Original Creditor regarding the dispution of this debt ( See Attachments ). I never authorized an account with the original creditor be opened in my name in the first place. The original account has been in a charge-off status for months, and now Midland credit Collection agency is claiming I owe them a debt of over XXXX XXXX Their negligence to fully investigate this matter and validate this alleged debt before placing this on my report has drastically damaged my consumer profile. This is Libel. Furthermore, the collection agency has violated my consumer rights under the FCRA by failing to report my account as disputed dispite their several written notices of my dispute. I have received multiple notices that my personal information has been involved in data breaches ( See attached document ). I have been working fiercely to clear my name of unauthorized accounts and any associated transactions. I have filed a claim regarding this matter with the Federal Trade Commission ( See Attached documents ). This collection needs to be removed from my credit profile immediately.
|
| 10/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had 2 accounts with Midland Credit Management , Inc. One account was roughly {$2700.00} and the other was maybe {$1200.00}. Around XXXX or XXXX of XXXX Midland turned my account over to the law firm of XXXX XXXX and XXXX XXXX proceed to file suit in the XXXX XXXX court of common pleas. I ended up settling both accounts and received correspondence from XXXX XXXX on XX/XX/XXXX that the accounts were settled in full and they are closing the files. I noticed that Midland was still reporting on my credit report but figured they would fall off. When they did not I disputed and LOST with Midland claiming that what they were reporting was correct and I owed them money. Fast forward to XX/XX/XXXX and me and my husband are trying to get a home equity lone and Midland is still reporting. I went to Midlands website and they are showing I owe on both accounts and even accepted payment for one of the accounts. They are illegally collecting on a debt that was resolved almost a year and a half ago. I called to have the payment reversed and was basically told there was nothing they could do on there end so I had to dispute the charge with my bank. I am furious because this mess up on their end is hindering me and my husband from receiving another loan.
|
| 10/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
|
| 07/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Midland Management sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. Midland Credit Management XXXX claimed that they bought the credit card account from XXXX and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX? This is hurting many working families in XXXX and I feel that it is causing more damage than the XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
|
| 06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX XXXX is reporting false information that is inaccurate and erroneous to the 3 credit bureaus that is not in compliance with the FCRA. I have never signed or opened an account with them. I have sent multiple letters ( see attached documents ) to XXXX XXXX and the 3 credit bureaus ; however, the investigations and re-investigations continue to come back as verified. XXXX XXXX is not a creditor ; however, they are reporting as if they are to cause maximum harm to a consumer 's credit score by providing informational changes on a monthly basis that pertains to an account status changing from installment debt buyer factoring company - other. In addition, the account shows as other on some reports and collections on another report, and they might change to show open or closed as well for the status of the account. In addition, they are reporting past dues and payment histories as if they are a creditor. Furthermore, under FDCPA 803 ( 4 ) - a party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. XXXX XXXX is not my creditor. I have never opened an account with this collection agency. Please find the information in the attached documents pertaining to my information and their findings.
|
| 07/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX.
XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX.
XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX.
XX/XX/XXXX - Received a letter from XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( MCM ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/MCM XX/XX/XXXX - Received a response from XXXX XXXX/MCM claiming the information provided by the previous creditor ( XXXX ) was correct.
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus.
XX/XX/XXXX - Received a response from XXXX stated : XXXX XXXX/MCM balance is correct and XXXX investigation is complete.
XX/XX/XXXX - Submit this complaint to CFPB
|
| 11/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
|
| 07/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Referencing back to complaint XXXX on the date XXXX Referencing back to complaint XXXX on the date XXXX.
This is an existing issue that still has not been resolved by MIDLAND FUNDING LLC.
On XX/XX/2022 I, the consumer sent MIDLAND FUNDING a debt validation letter. On XXXX XXXX I, the consumer sent MIDLAND FUNDING LLC a cease in desist letter ; in response to your letter XX/XX/2022 you wrote that a cease and desist restriction only stops phone calls and mailings but in fact the law defines " communication '' when ceasing communication pursuant to 15 usc 1692c ( 2 ) " the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As I stated to you before my consumer report is in fact a medium so MIDLAND FUNDING LLC is breaking the law. On XX/XX/2022 I, the consumer sent MIDLAND FUNDING LLC an affidavit of truth via certified mail of all violations against me. On XX/XX/2022 I, the consumer sent a Fraud/aggravated identity theft letter to MIDLAND FUNDING LLC for not having my written consent nor permission to have my SSN which is aggravated identity theft in accordance with 18 U.S.C 1028A. As the original creditor I did not extend credit to MIDLAND FUNDING LLC.
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I complained over three times, midland ( MCM claims they closed out since they never got info on more detail back. MCM claim they sent out letter recently XX/XX/2020, never came. reported another issued but they are all lies. In mean time they fraudulent report about a {$440.00} debt from XXXX. they MCM was asked to show us proof of debt. the web site information show zero evidence of debt. its too easy to pretend letter was sent and not send letter. I told them to certify letter, to fax to email and they refuse to comply to my simple demand. Bottom line is I paid my debt. XXXX billed me for magazines I never ordered. XXXX was notified yet they billed and punished added interest all up to {$440.00} of extortion, which I thought was illegal. I thought it was being criminally bullied. Please help me survive this insane attack.
Unrelated case this same con artist company tried the same thing with a debit of {$310.00} from XXXX XXXX. after years of false reporting they stopped reporting. they continued to still collect on debts in XXXX XXXX what debt? I want this issue dealt with. I want a separate apology for this unscrupulous business practice. Also a penalty fee of the same {$310.00} MCM was trying to steal from my family # CROOKS.
|
| 03/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Encore Capital/Midland Funding LLC Encore acquired the account ending XXXX XXXX in XX/XX/XXXX going into may according to XXXX XX/XX/XXXX there was never no letter sent to me about the said debt. I also have the copy that I sent XXXX back in XX/XX/XXXX of the said dispute in which XXXX 's kept telling me some one was working on it. If need be my XXXX bill has the calls to XXXX regarding the issue that was at hand. There is this about XXXX 's giving the run around. I see why XXXX is bankrupt due to there customer service. My next issue Encore Capital bought the said debt with no letter or the parent company going back to XX/XX/XXXX of the said bought debt. My next issue will be not to send me no back dated letter in regards to this account. As I said I sent a dispute well befor this account got bought and was in dispute status. I'm also filing with the US Attorney office of consumer rights on this matter. MCM/ Midland Funding/ Encore Capital or who ever owns the account I'm filing on all companies of no letter to dispute and what address it was sent to if there was a letter. XX/XX/XXXX there was a letter mailed out US Postal certified to Midland Credit Management in which there was no response to the dispute or clearing up the debt.
|
| 12/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today XXXX I called XXXX XXXX XXXX XXXX XXXX to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment.
Legally are they not required to inform me prior to a garnishment being issued?
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void.
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here.
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate
|
| 12/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had closed my XXXX credit card down due not only an error they made with taking a payment out of my bank account to add to my secured credit card with a value of {$300.00}. When I tried to call to talk about their huge mistake a female customer service agent was less than professional and I said cancel card. At time, as I put {$250.00} down payment, the card had nothing owed, it was caught up to date. However, XXXX illegally sold the account to MCM MIDLAND debt collector who called me constantly and harassed me. I tried to discuss issue with MDLAND XXXX, XXXX credit reporting companies, and XXXX, XXXX XXXX, XXXX and many attempts by me were made for four years to prove my innocence. Enclosed you will find a letter dated in XXXX 2016 where MCM MIDLAND refused to even go over my situation yet again. But, in XXXX 2016, a letter was sent to the XXXX credit reporting companies that stated after 4 years of not XXXX company sending me proof of debt, that they needed to remove them as of identtity theft issues as well. Then as you see all of a sudden after 4 years MCM MIDLAND writes a letter XXXX 2016 saying that XXXX recalled card I actually owe nothing at all, as I tried for four years to prove to both companies and reporting agencies.
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently pulled my credit report, and noticed some errors. Please investigate and update as they are causing adverse harm to my credit report and good character.
( Midland Credit Management XXXX {$1200.00} - Unverified Account ) In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe to this collection agency, I have not received the following documentation from Midland Credit Management # 1-5 : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the 4. Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.
5. Payment history from original creditor
|
| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This Company Midland Credit Management act # XXXX has yet again Violated the CFPB guidelines by changing the reported balance on the alleged collection account. On the credit report generated on XX/XX/XXXX this account is reporting a balance of {$640.00}. On the report generated on XX/XX/XXXX this account has changed the balance to {$640.00}. This Inaccurate and a violation because it can not accurately be both and it is not possible for the balance to increase on a closed collection account, nor is it possible for an account that is considered a closed collection to obtain more charges or fees. Also this company has changed the Date Delinquency first reported to XX/XX/XXXX which is another violation. On all previous reports the Date Delinquency First Reported is XX/XX/XXXX. This company has changed the date and balance to attempt to make the account appear recent. Another discrepancy is the High Credit reported is XXXX on XXXX, which is lower than the Past due balance. The High Credit is the highest amount of credit ever used on a account. It is not possible to have a balance higher than the High Credit amount. Also the reported Highest Balance on XXXX is {$0.00}. Which is inconsistent with what this company is reporting to XXXX.
|
| 01/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
I was contacted via Postal Mail on XXXX XXXX about a XXXX credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by Midland Funding Inc XXXX XXXX XXXX XXXX MiXXXX ( Judgment Creditor ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included XXXX XXXXXXXX XXXX ( the true creditor ) out of XXXX Ohio. Judgment : {$980.00} on XX/XX/, total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with XXXXXXXX XXXX with the last payment made in XX/XX/. I visited the Local XXXXXXXX XXXX Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to Midland the debt collector also.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
-Midland Credit Management I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Thank you for your time and help in this matter.
|
| 12/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely, XXXX XXXX
|
| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Midland Credit took over the XXXX XXXX account since it was deliquent. This was then sent to XXXX XXXX XXXX XXXX XXXX. I contacted the law firm in XX/XX/2021 to settle the account. The account was then settled and they informed me they will send a letter to Midland Credit. My account has continued to show up as late/unsettled for the past 6 months. In XX/XX/2021 I called Midland Credit to ask why this is still reporting as unsettled. They stated I needed to call XXXX XXXX XXXX XXXX XXXX. I called the law firm and they reported this account was settled and letter was sent to Midland Credit in XX/XX/2021. I called Midland credit again, numerous times, and was told they would be requesting a letter from XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX again in XXXX XXXX and they are still showing a balance on a settled account. I asked what I needed to do and they asked I call the Law firm. It has been 6 months and Midland credit refuses to update my account. I have asked to speak to managers and have been refused stating they can not assist. Again, this account was settled with XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. Midland credit will not udpate my account so it can reflect on my credit.
The amount in question is {$210.00}.
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
i recently sent a letter to the MIDLAND FUNDING and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for Donald Trump. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the XXXX who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
|
| 03/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Statute of limitations in CT for credit card debt is 3 years, last date of action on account was XX/XX/XXXX. Court action was filed XX/XX/XXXX. The address on the lawsuit was an address I hadn't resided in since XX/XX/XXXX and mail was no longer being forwarded, so I did not receive notice of the suit or any of the resulting rulings. XX/XX/XXXX a default judgement was entered & on XX/XX/XXXX a motion for wage execution. The execution was served to my employer XX/XX/XXXX & forwarded to me by them postmarked XX/XX/XXXX ( 2 days before 20 day exemption period to ask for a stay of execution from the court ). XX/XX/XXXX I attempted to file a motion to open the judgement but was denied the fee waiver XX/XX/XXXX and because of wage execution have been unable to afford the fee.
As of today, the following amounts have been deducted from my paycheck : XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} Total : {$580.00} Total amount of judgement : {$1300.00} Total amount of wage execution ( w/ fees ) : {$1500.00} Total amount due after Marshal 's fees : {$1800.00} The company ( XXXX XXXX ) has a history of these behaviors and was previously served a consent order by the CFPB, along with its ' parent company Encore Capital Group , on XX/XX/XXXX.
|
| 12/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.
|
| 10/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I called the credit card companies and told them I was unable to make the payments due to financial hardship I was having. The representatives with whom I spoke with several times, told me I had to pay regardless. Therefore, I had to make a drastic decision and I stop paying. Then, the cards were charged off. I started receiving calls everyday to collect the payments on charge off cards. Then my accounts was sold to XXXX XXXX and XXXX XXXX has been calling me everyday, and on my job. When they called my job, the representative would ask for me, they would have have to be transferred several times, not only that but once they are transferred to me, they would still ask for me, and when I would tell them I am not allowed to receive calls on my job and I hang up. This company still call me on my job. Now, I have received papers stating this company will be seeking legal actions if payments is not received by this month. I did not sign a contract with XXXX XXXX and I do not owe this agency. I have been receiving calls from so many other advertising companies due to my personal information being sold, even through the mail. I have gotten to the point I do not answer my phone because I don't know who is who or who to trust due to this.
|
| 05/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I am continuously receiving phone c alls from MIDLAND FINANCIAL DEBT COLLECTORS from MULTIPLE phone numbers. I have REPEAT EDLY asked them to NO LONGER call me and correspond with me v ia U.S. Mail. They CO NTINUE to call me at ALL hours of the day from XXXX EST - XXXX EST. They repeatedly disregard my request to correspond ONLY with Mail and that they are harassing me. I have blocked every number from them. Here are a few of the numbers they have called me from with dates and times. This is just in the last TWO WEEKS : XXXX - XXXX XXXX , MI - XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX XXXX - XXXX , NV - XXXX / XXXX / 17 XXXX XXXX - Unknown Location - XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX XXXX - Unknown Location - XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX - XXXX / XXXX / 17 XXXX XXXX - XXXX , NJ XXXX / XXXX / 17 - XXXX / XXXX / 17 XXXX XXXX - XXXX XXXX , CO - XXXX / XXXX / 17 XXXX XXXX - XXXX , NV XXXX XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX XXXX - Unknown Location - XXXX / XXXX / 17 XXXX XXXX - Unknown Location - XXXX / XXXX / 17 XXXX , XXXX / XXXX / 17 XXXX
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a U.P.S. envelope dated XXXX was addressed to my current address.
The letter inside had different address, and stated that my credit card account, wrong acct #, with a balance of {$360000.00} was acquired by Midland credit management on XXXX.
Prior to receiving this statement, we were called on numerous occasions at all times of the day and night regarding this bill. We had told them that it was NOT my bill!!! I called XXXX and XXXX XXXX as to the status of my account, and was told I had a zero balance and do not pay any money to Midland!
After receiving the letter, I called XXXX XXXX and they cancelled my Account and issued me a new account It is now XX/XX/2021 and this issue still remains. I have disputed this bill with XXXX XXXX on XX/XX/2021 and is still in process.Est completion date is XXXX XXXX I am still rec. calls from Midland, telling me to file police reports fed trade reports and give them numbers.
THIS is all a mistake, the original address was wrong, the credit account number was wrong!!!!! The only thing that was rifgt was my name!!!!
Since midland has been involved my credit score has been lowered m bank has frozen my equity loan and I am constantly harrased with phone calls from midland!!!!
|
| 11/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX placed a collection account on my credit and sent me a bill in XX/XX/2021.
I did not recognize this account/original creditor as it was for a retail card ( A Store Card which I actually have, but is issued by a bank other than the one this company represents. ) On XX/XX/2021 I submitted a debt validation letter, specifically the one found on the cfpb website requesting proof this debt was mine I received back from Midland Funding a copy of several " bills '' or statements showing my name but a different address. They DID NOT provide proof of ownership as I had requested in the cfpb letter - ie. a signature on an application.
On XX/XX/2021 I wrote back to Midland Funding an offer to settle the bill to be rid of it, even though I do not recognize it. The offer was not accepted and Midland Funding has again contacted me demanding payment for the account.
On XX/XX/2021 I wrote to Midland Funding again, explaining that they have NOT provided proof of ownership of the account and as such, I request that they stop contacting me and remove their entry from my credit reports.
They have failed to remove the collection account or prove it was in fact my account. I request assistance in pursuing them for unfair practices.
|
| 02/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
I got a call from my HR at work to tell me my wages are going to be garnished, due to a court ruling lether he got. This blew my mind because I could n't for the life of me think who this creditor could be and how do they have the right to garnish my wages without me knowing a thing about it. My HR gives me the number to call and the company is midland funding which I never heard of ever and they said they got a court ruling to garnish my wages, because they sent several attempts to my address on file and no response, so I ask for the address on file and it 's my mom 's house in which I have not lived in for 11yrs, and my mom never got any mail to me EVER. If I knew it was a court order I would of definitely responded. I know the FTC filed a lawsuit against tribute credit card and I do n't remember ever having that credit card and they could n't produce any info to me but that they are taking my money. This is so upsetting, because I live paycheck to paycheck. This is not right that a court and company will make their own judgements, while the the other person does n't know a thing that is going on. These people are incredible, and the extent they will go to embarrasse you and take your money. As if I had millions. Please help.
|
| 10/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
false reporting under 1681 15 U.S. Code 6802 Violations of 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
I sent a letter to XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX and have not received a response to date but only results of continous violations reported to XXXX Wrong Addresses, invalid names and alleged debts parked on file by XXXX XXXX
These accounts are deliberately parked on my consumer profile by XXXX and unconscionable depicts actions of unfair, deceptive acts of stealing my identity and continous unlaw practices. XXXX XXXX, XXXX, XXXX and XXXX have flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices.
I am relying on your office to take actions against XXXX and demand the deletions of all these unknown accounts and alleged debts of all incomplete and erroneous data immediately.
|
| 05/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2020 Midland Credit XXXX bought my debt of {$400.00} from XXXX XXXX. Both Midland Credit XXXX XXXX XXXX XXXX have violated multiple federal consumer protection laws.
1. 15 USC 1681B - Midland Credit XXXX reported this information without the consent of the consumer. Which is XXXX XXXX, who is me the consumer, natural person, and the original creditor.
2. 15 USC 1681 [ A ] [ 2 ] [ B ] - Midland Credit XXXX furnished a report that was created from my social security card which is a credit card pursuant to the definition 15 USC 1602 ( l ).
3. 15 USC 1692J Midland Credit XXXX furnished a deceptive account on my consumer report. Trying to make me believe I owe a debt.
Both Midland Credit XXXX and XXXX XXXX are committing aggravated Identity Theft. Pursuant to 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation.
I demand that Midland Credit XXXX cease communication with me about this debt in all mediums including through my consumer report or I will be force to pursue litigation expeditiously.
|
| 08/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hi My name is XXXX XXXX XXXX, I would like to file a complaint concerning credit card debt. I open a XXXX XXXX credit card XX/XX/XXXX issuing bank was XXXX. Card no. XXXX XXXX XXXX XXXX. More than 10 years I was maintain this card well, suddenly I lost my Job and having problem to pay my bill in timely manner. Long time I paid minimum payment. I had {$3400.00} balance, I stopped to pay Individual credit card payment and gave to " XXXX XXXX XXXX, New York '' to handle my credit cards. By this time XX/XX/XXXX XXXX cards sold my account to Midland Credit Management , Inc. See the attached first letter from MCM XXXX it is not welcoming letter, it is threaten letter, you will see a line " Your Experience with MCM will be different, Period ''!!!!, XXXX XXXX XXXX communicated with MCM, they did not agree to settle less than they have balance in the statement. By calling different source I figure it out MCM bought this account " Penny on the Dollar '' and called MCM, I proposed to take 25 % of the total balance but they did not agree with me.
Now MCM sued me in the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, ph # XXXX, Cause No. XXXX Please help me out for make a negotiation to pay a affordable amount with payment plan
|
| 01/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midland funding llc filed a complaint against me in XXXX Magistrate court court in XXXX county south Carolina. I followed civil rules of procedure in which I had 30 days to answer ( served on XX/XX/XXXX ). According to civil rules of procedure I had 30 days in which to answer excluding the date of service, weekends and holidays. I filed an answer Today on XX/XX/XXXX in answer citing the CFPB consent order in which they violated the order. The magistrate court of XXXX XXXX refused my answer stating that I only had 30 days which included weekends and holidays. XXXX XXXX used the robo signed affidavit of account, attached a validation of debt letter directly to the complaint, never sent it to me to deceive the court that one was sent. XXXX XXXX did not have ANY account level documentation to prove a debt. XXXX XXXX violated the consent order and used everything that was prohibited including XXXX, FDCPA, Fair Credit reporting ACT, Abuse of process collected a default in excess, escalated fees. XXXX XXXX was the Law firm formerly XXXX. I do not owe them. XXXX XXXX is still filing these deceptive complaints ignoring the consent order and making a laughing stock out of the CFPB. I will send you a copy of the complaint and my answer.
|
| 02/14/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
Midland Funding LLC, XXXX XXXX XXXX and XXXX / XXXX, XXXX, XXXX XXXX
I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XXXX, therefore I was not receiving the notices. XXXX XXXX, XXXX I was served by a XXXX XXXX with a Small Claims Court notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX XXXX of XXXX and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XXXX/XXXX/XXXX I reached out to XXXX XXXX, Chief Compliance Attorney for XXXX to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XXXX/XXXX/XXXX that no further legal action will be taken. On XXXX/XXXX/XXXX I received a forwarded letter with a State of CT Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
|
| 01/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDLAND FUNDING LLC has stole my identity and are reporting fraudulently on my credit report. There is no contract binding me to this alleged debt, as it was In result of identity theft. 18 USC 1028 states they are violating my consumer rights by unlawfully transferring my authentication feature ( social security number ) electronically. I have token it upon myself to even request the validity of this account yet they never provided me with proper proceeders and policies that ensures the integrity of the account.
MIDLAND FUNDING has also used the postal service to defraud ME, the consumer. Furthermore 15 USC 1681c-2 states that ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
|
| 05/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
There was an overpayment made on an XXXX account I had with Midland Credit Management. To that effect, Midland Credit Management sent me a statement last month that shows I have overpaid them in the amount of {$140.00}. However, the company has never issued a refund check.
What's worst is when I contacted them today, their representative 's attitude seems to be, they will sit on the money for as long as they want.
This money is not there, they have no legal right to keep it, and they are blackmailing me in an attempt to make me pay on another issue using the {$140.00} overpayment as bait.
This is an example of the worst kind of business practice. Not only is it unethical it is illegal and quite frankly the CFPB should be ashamed. This agency was created to prosecute bad business practices. Instead, under the Trump Administration, it seems to be a placebo in an attempt to appeal to voters by saying they are doing something while they are actively doing whatever they can to benefit these bad business actors. Frankly, if someone were to use me that way, then they should at least buy me dinner first.
Midland Credit Management has 48 hours to cut a refund check to me for the {$140.00} overpayment or I will file a lawsuit!
|
| 07/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This year, when I filed my taxes for the XX/XX/XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, Midland Management was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XX/XX/XXXX for a XXXX XXXX XXXX credit card.
I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ).
I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference.
Thank you for your help.
|
| 06/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My XXXX XXXX XXXX was stolen. I went to XXXXXXXX XXXX XXXX to find out if there were any tickets etc., issued to under my name and found two cases that I had no idea existed. I filed for appearance to have them removed. The XXXX of XXXX I called the number listed to find out who they were but my S.S number did match and they would not discuss the case # XXXX. On the XXXX of XX/XX/XXXX, I learned from XXXX XXXX XXXXAsset Acceptance LLC. I was informed that my taxes were garnished twice. In XXXX for {$900.00}, and in XXXX for {$1000.00}. That I have no record of nor did I know I was garnished. I was then informed that there is still an outstanding balance of {$4300.00}. I have had credit disputes in the past because there was another XXXX XXXX on the same street. Companies confused the two of in the past, such as car repo companies, XXXX XXXX XXXX etc.,. However this debt does not belong to me. I contacted the Asset Acceptance/ Midland Credit Management , Inc. but no one can tell me details, application, items purchased, type of account, Proof of Service etc. I have sent certified letters but they only send the same information I already received from 36th District Court. I would like this debt removed and my money returned.
|
| 12/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To whom this may concern, I m contacting you guys in regards to a problem I'm having with Midland Funding LLC.
I have contacted the company several time trying to pay the debt owe on my account from XXXX XXXX XXXX ACCT # XXXX.
Date XXXX XX/XX/XXXX Balance updated XX/XX/XXXX I don't recalled receiving a letter from this organization or it may have inadvertently got misplaced.
I've been trying to pay and get some information in regards to my accounts and I'm been told that they don't have any information on file with my social security and my phone number. I was told that the company is updating file from Midland Funding LLC to Midland Credit. They should make provision so that I as a consumer should not affect me getting information regards to credit and also trying to resolved the issue. I was giving several phone # and spoke to several representative who did not help.I 'm trying to clean up my credit and I'm getting the run a run from the folks at Midland Funding and Midland Credit Management. I was also told that they can't help me if I don't have a MCM number and I trying to pay the balance owe so I can improved my credit rating. I have contacted there offices over ten times since yesterday and today with no answer.
|
| 03/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
After months of dealing with issues in working towards obtaining a short sale approval letter we finally received and deadline to close is XX/XX/18. However, we can not close because XXXX XXXX XXXX has a judgment against the property for the wrong person, they confirmed it was not my social security number.
We had our realtor and daughter contact MCM for proper release on XX/XX/XXXX and they confirmed it was mailed on XX/XX/XXXX, yet we did never receive. We called again on XXXX and offered to pay for the expedited service in additional to a fax or email of document to closing attorney for title insurance approval and closing by deadline -- MCM said they could not. Now i'm faced with possible foreclosure due to short sale deadline and MCM will not work with us in providing quicker service. Their best is to wait another 7-10 days for regular mail. Supervisor XXXX confirmed there is no escalation process and manager above him will not be able to help as well. When asked to speak to his manager, conveniently he was unavailable and no direct # to call back.
Furthermore, their website for service and complaints have been down for maintenance, it re-routes back to making payments only. Not as friendly as website portrays to be.
|
| 11/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Midland XXXX is on the credit report and on the XXXX reports, not XXXX & XXXX. Midland started this mess and now want to push it to another company. All this about their rights, what about my rights. This is XXXX debt that is XXXX XXXX XXXX and they are passing it around like it 's some kind of XXXX mine. This is wrong and they should not be allow to do this to anyone. It started off with XXXX, Midland, and now some company call XXXX XXXX XXXX this is crazy. I still the same person that feel like is so wrong, all these company is doing passing the buck around ; and saying they have the right to add more time to a XXXX XXXX XXXX debt. Who would want to keep doing this? This is crazy, I 'm a person that you are sharing my personal information to other third party company is not right and should be against the law to do the thing that your company are doing to a person. I did not give you person or your company permission to share my information with anyone. If you have any paper that show that you have contact about selling my information or given contacting me about you have this debt and I knowledge you about this account. The answer is NO we never spoke or have and paper work that say that I was aware you and your company.
|
| 03/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
Midland Funding sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I live in XXXX XXXX over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX XXXX. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX XXXX and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX XXXX, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by Midland Funding. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( XXXX ending XXXX ) and ( XXXX XXXX ending XXXX ).
|
| 05/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received a garnishment summons around the XX/XX/XXXX from ASSET ACCEPTANCE LLC COURT FILE NUMBER XXXX XXXX Virginia Court. for {$860.00}. I called this company before my first payroll check was to be garnished on XX/XX/19. I was told I didn't owe that amount instead I was told I owed {$490.00} which I paid the full amount that day with debit card XX/XX/2019 Withdrawal Debit Card MIDLANDCREDITMANAGEMNT - XXXX CA DateXX/XX/19 XXXX XXXX XXXX XXXX {$490.00}. I asked how long it would take for them to send a release to the court so my check wouldn't be garnished and was told they didn't know. My usual take home pay isXXXX. On XX/XX/19 my payroll check was for the amount of {$930.00}, {$350.00} garnished. My next payroll check XX/XX/19 {$930.00}. So far {$700.00} mind you I paid this debt off on XX/XX/19. As of today XX/XX/19 my payroll department has not received a release from the court to stop garnishing my checks. My next payday is XX/XX/19 and if nothing is done they will garnish that check to.
The wonderful people at MIDLANDCREDITMANAGEMNT told me I would be reimbursed for the amount taken out of my check after debt was paid. I don't belive they will reimburse me unless some type of legal action is taken against them.
|
| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in midXXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
|
| 11/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
MIDLAND FUNDING via my account being sold to them by XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes XXXX in one month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices. Midland Funding and XXXX claim they have been sending me bills to an address I have not occupied since 2006. I signed off on no new finance charges etc as they claim.
|
| 11/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Recently received mail solicitations for filed lawsuits against me for debt that was never validated/ verified by XXXX XXXX XXXX . I received one phone call from a representative that stated they wanted to collect on a debt. I informed the individual that it was highly unlikely that I would be paying anything that I hadnt verified nor received anything in the mail. I was told to expect the mailing soon and I could then make payments. I told the individual that I didnt have the resources to make any payment that I am unemployed with XXXX XXXX and had recently lost everything in a flood. I never received anything from that company, call, letter, nothing but I received notice of a lawsuit. When I called last week, I was told that the accounts were closed but if I need to talk to someone, contact the attorney. Now, from my understanding as it is clearly noted on their website Consumer Bill of Rights, that collection activities are suspended and accounts are closed due to medical and financial hardships. They didnt provide proof that I owed them anything but I was upfront with them about my financial situation and illness and now Im being sued! There is no fairness and a whole lot of misrepresentation in those Bill of Rights!
|
| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX XXXX charged off accounts and refuse to send a charge off letter. I spoke to them and they put me on hold and pass me to several people before hanging up. Before the hung up they said we dont have your account in the system, however, they had all account information including my social date of birth and address. They have created a product of my personal information and have began to sell it to multiple debt buyers like XXXX and XXXX. I had XXXX closed, however XXXX XXXX is enslaving me by holding my credit reporting XXXX, stealing my freedom in credit, after being fully credited. They do not want me to have what is lawfully mines, a XXXX and a charge off letter. I spoke with the company and they admitted they never sent a charge off letter, when the accounts were charged off last year. They have not deleted my personal information but instead are selling it to the highest bidder. Even though these accounts were fully credited, seek to be re-credited over and over again. Using the power of a large XXXX, they have deceptively used my personal information as a product of their company. They have never provided a signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX, they have not validated the debt.
|
| 12/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is NOT my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS.
ACCT # XXXX BALANCE -- {$1200.00} PLEASE SEE ATTACHED MY IDENTITY THEFT REPORT WITH ALL DOCUMENTS CONTAINING THESE FRAUDULENT ACCOUNTS .... PLEASE REMOVE I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
|
| 10/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to XXXX. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a XXXX account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX.
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a XXXX account. This also happened to my sister a few years ago with a fake XXXX account. She had to give them a list of addresses she lived in but the harassment finally stopped.
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s.
Thank you for your assistance.
|
| 07/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have submitted several written disputes with the collection agency asking them to remove the fraudulent information they have reported . Midland Credit Management is stating that I owe XXXX XXXX XXXX {$670.00}. This information is false. I have never had a account with XXXX XXXX XXXX . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureaus and Midland Credit Management requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from XXXX XXXX XXXX authorizing Midland Credit Management to collect t he debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following secti on 16 of the FCRA -Documented proof showi ng payments we re made by me on this line of credit -Documented proof showing the dates within the credit file are correct -Documented proof showing the debt collector is the second collection agency to purchase this debt following FCRA guidelines. Midland Credit Management has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
on XX/XX/XXXX around XXXX central time a XXXX XXXX called XXXX and asked for a XXXX XXXX XXXX told him he had the wrong number and hung up the phone.
He then in turned called back and asked for XXXX XXXX again and said that I was her. I said no I am not and please stop calling my phone. I then in turned called him back on my work phone number and asked him why does he continue to keep calling my phone asking for a XXXX XXXX. He then in turned said that he was with Midland Collections and that a civil complaint is going to be issued if the debt was not settled. I then said I am not that person and that you are telling me someones personal information and if you have that person address then you should send them mail telling them about that debt because I don't owe any debt from 2014. I then in turn said if that debt is 2014 it sounds like you are out of statutory time frame.
This person has continue to call my cell number XXXX and when I block the number he calls from XXXX he calls from a XXXX number where I have had to block that number today. the date is XX/XX/XXXX. I have asked this man from Midland Collections to stop calling my phone. I will have to put in a complaint about this company with you and with XXXX
|
| 09/17/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
We have a credit card through XXXX that closed in 2012 in the amount of {$6200.00}.
The account was sold to Midland Funding, and they have since been charging interest on the account as if it is still open, but we have documentation from XXXX that this account was closed. Since purchasing this account from XXXX Midland has added more than {$1000.00} extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra {$1000.00} that we do not owe. I have spoken to XXXX and this account was sold in XXXX of 2012 and Midland purchased it in XXXX of 2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to XXXX to have them give us all the information. Why are they charging more money when the account has been closed since 2012? Documentation from XXXX will be provided along with my credit record showing that Midland is charging on this account still.
|
| 09/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt.
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with!
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.
|
| 12/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been dealing with Midland Credit reporting false information to my credit report for the last 6 years. They said I opened an account while I was out of the country for 2 years and could not have possibly opened it. The person who did open it, didnt even provide the correct address. After 3 years of disputing through the credit reporting agencies, recently have been severely impact when the financial struggles have hit during Covid 19. I have not been allowed to increase my line of credit due to this fraudulent and illegal activity. I have tried to work with 12+ individuals and management staff to Midland Credit .
I have filed police reports in XXXX Washington, disputed the debt to all 3 credit bureau, and called to speak with them 40+ times in 5 years. They have given me the run around refused to provide me with information for my disputes and knowingly continued to report false accounts to my credit report.
Upon calling today XXXX and XXXX refused to provided me with any information I needed for this complaint. This company is the most unethical and poorly run business I have ever encountered. I am surprised the FTC still allows them to operate with this level of illegal behavior toward our communities.
|
| 06/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a levy notice last year from my bank that Midland Funding had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted Midland Funding. They informed me that they had purchased the debt from XXXX XXXX for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with Midland Funding last month.
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I requested that XXXX XXXX XXXX validate the alleged debt. I also request The last payment and the date of the delinquency.XXXX XXXXXXXX was informed that they are past the 6 years statute of limitation to process a collection in court. XXXX XXXX states XXXX XXXX questions whether the account is collectible due to the expiration of the statute of limitation ( SOL ). A review of XXXX XXXX records indicate that the statute of limitations expired XX/XX/2015.
I agree that XXXX XXXX can not acquire a judgment through a civil court process. Tennessee Code annotated Title XXXX XXXX. Tennessee allows 6 years SOL. The reporting of the information to credit bureaus is 7 years. One year after the SOL expires. Midland has past the legal reporting date approaching 2 years. This matter can be resolved by deleting the information from all three credit agencies. This will be in compliance. I believe that Midland is re-aging the account. and reporting it to all credit bureaus as accurate. Midland adheres to the SOL in Tennessee. Midland review there own records and concluded the SOL have expired in XX/XX/2015. Negative credit reporting is 7 years from the last date of activity. Midland conceded to knowing that the SOL has expired.
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
Midland Credit Management contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I also received a summons for this debt to the local court house with documents that were heavily redacted attached to include the loan amounts, account number, and even the signature line redacted so that I couldn't see if it was even a real debt. I couldn't even call to ask about the debt because there account numbers are redacted. There is no wet signature or any verification of this alleged debt. I have never received a validation of this debt or any notice of debt from Midland Credit Management nor have I ever heard of this debt collection company. I have never been provided any change to dispute these two alleged debts due in the amount of {$730.00} and {$490.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
|
| 12/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
The company simply calling themselves " Midland '' said they are calling on behalf of XXXX XXXX to collect a debt.
I received a voicemail from XXXX from XXXX XXXX that stated : " This message is for a XXXX XXXX, this is XXXX XXXX I'm a compliance officer with the state of Texas. I'm contacting you in regards to your pending claim that is being filed right now, I have to make you are that your file number XXXX is completed and it will become a matter of public record, there will be an order of vocation issued for you. I wasn't able to reach you by phone and I will have to contact your employeras it looks like this could be a possible place of location and due to the negligence on your own regarding this case Mr. XXXX. You to have the legal right to contact the office that is processing your claim and once your claim is officially filed all other options will be forfeited, the number to contact them is XXXX, you are being notified by telephone as a last resort. '' I contacted the number she left and it was a company called Midland. The person leaving the voicemail kept their description extremely vague as to avoid being tracked down I assume, I've left both phone numbers involved as well as attached the voicemail.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company listed below is in violation of the law.
MIDLAND CREDIT MANAGEMEN XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$410.00} past due as of XX/XX/XXXX.
Under section 15 U.S Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I did not give my consent or did any business with this company, they call me everyday harassing me, I can't work in peace!!
a debt collector is supposed to contact you only once during a 7-day increment.
Please have them stop calling me or I will press charges.
15 U.S. Code 1692k - Civil liability ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Please do not violate my rights to privacy!
|
| 01/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
My name is XXXX XXXX XXXX. In XXXX of XXXX I was a victim of Identity theft. When I applied for my unemployment benefits for the month of XXXX an unknown person had taken my identity, changed my email address and stole my benefits for the month of XXXX. I was unaware of the identity theft until I went to Career Link to apply for employment, and they noticed I had a second email address and a resume with false information that I did not recognize. I notified the PA Unemployment Office immediately. I was told that an investigation will be performed. In XXXX of XXXX, I received a letter from XXXX XXXX stating that I owed {$1100.00} to Midland Credit Management Inc, a collection agency. When I contacted Midland, they told me that they were attempting to collect a debt that was owed to XXXX XXXX Bank. I let them know that I have never owned a credit card from XXXX XXXX Bank. Midland gave me the phone number to call XXXX XXXX Bank. I also received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX of Pennsylvania stating I have to appear in court on XX/XX/XXXX, at XXXX. in reference to this debt that I never acquired. I was then told to report this to the Federal Trade Commission online and it has led me to this website.
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
15, United States Code ( 15 USC 1692f ), is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines various types of practices that debt collectors are prohibited from engaging in while attempting to collect a debt. It includes activities such as : Collecting amounts not authorized by the agreement or by law Accepting a post-dated check and then attempting to deposit it before the date on the check Communicating with consumers regarding debts by postcard Using any language or symbol on envelopes that indicates that the communication is from a debt collector Threatening to take action that can not legally be taken or that is not intended to be taken In summary, 15 USC 1692f specifies a range of practices that are considered unfair and abusive when collecting debts, aiming to protect consumers from inappropriate debt collection methods.
Unfair Practices 15 U.S.C. 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. For example, a debt collector may not : Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.
|
| 09/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XX/XX/2021 I received an offer in the form of a letter from Midland Credit Management indicating that the collections on my debt would be taken out of collections if I would contact them and make payment arrangements. On XX/XX/2021 I contacted Midland Credit and attempted to resolve my collections issues thru the offer I was sent in the mail by Midland credit. When I spoke with the representative from Midland Credit Management and indicated that I was ready to resolve the issue of debt collection with the understanding that as stated in the letter I received in XX/XX/2021 that the collections would be removed from my credit report as payment arrangement were made. I was told that they would not remove the debt collection off my credit report until payment was made in full. I stated to the representative that the letter clearly indicated that the collections would be removed while payments were being made as stated in the letter received on XX/XX/2021. The representative then became rude and aggressive when I pointed out the fact that the letter offer clearly said that the collections would be removed.
Now I getting phone calls before XXXX and after XXXX and have received letters threatening me with lawsuits.
|
| 04/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Account : XXXX Amount : {$1100.00} USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Midland Credit Management / Midland Funding LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
|
| 07/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to Midland and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX.
United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.
XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.
15 USC 1692 congressional declaration of purpose.
XXXX XXXX XXXX XXXX!!!
In accordance with the fair credit reporting act The principal debtor is responsible.
15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.
15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.
AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).
Remove the fraudulent XXXX claims.
Thank you.
|
| 03/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I received court documents in XXXX XXXX about being sued my Midland Credit Management. Although I did live in XXXX XXXX when I originally got that credit card, I have been living in New York since XXXX. My parents called to tell me I am being sued by them two weeks ago. I have called Midland Credit and they give me a different number to call because it is being handled by a " different department ''. I call the number I was given and the lady says I need to call yet another number but she doesnt have access to the number I have to call to work things out. That I should call again another day. I tried calling a second time, and after almost 30 minutes on the phone again, she has no " access '' to the number I need to call about this. I goodle the lawyer that has the case and call the numbers I find, and its disconected. I have a number on court documents and also try calling with no luck. Two weeks have passed and I cant contact anyone to let them know I am not even a resident there anymore. Im afraid of the court date getting closer and having a judge default to XXXX just because they either dont know what they are doing or refuse to do so, and have the court date come up without me there for a debt from XXXX.
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law.
The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.
A copy of this complaint will be sent to you by certified mail with proof of delivery and also become part of a formal complaint to the XXXX XXXX XXXX. This will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 01/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''.
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
|
| 06/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On Monday XX/XX/, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the XXXXXXXX XXXX account ( account number ending in # XXXX ) XXXX XXXX sold the original debt to debt collection agency Midland Credit Mangement , Inc ( MCM ). MCM is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation.
There are more violations : 1. I did not receive a written notice of debt from Midland Credit Management , Inc ; XXXX. With the summons I received, there is no conspicuous statement from Midland Credit Management Inc stating that I have the right to dispute this debt ; XXXX. I have not received enough information to verify this debt ; XXXX. Midland Credit Management Inc influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; XXXX. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.
|
| 07/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company reported an account from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
From a previous complaint that I have filed against this company through the CFPB under complaint # XXXX, I indicated the same complaint as above. The company responded that they sent a validation letter on XX/XX/XXXX and that it was not returned as " undeliverable ''. I dispute this as I have lived abroad since XX/XX/XXXX and I have not held a US address through a US based mailing service since XX/XX/XXXX. So it is impossible for Midland Credit Management to state they have sent me any notification. On XX/XX/XXXX, I was living in XXXX, XXXX, as per the XXXX long stay notice attached. No validation letter was received at my address in XXXX, XXXX from Midland Credit.
So again, this collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
|
| 04/17/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
On XX/XX/XXXX, XXXX XXXX XXXX sent me a credit card, which I never applied for, charging the XXXX 'XXXX RENEWAL FEE, ( {$57.00} ), BANK INVOLVED XXXX-My XXXX XXXX XXXX Mastercard I made a telephone call to XXXX XXXX, I was told that this matter would be resolved in three business days, I was provided with a ticket number XXXX, my membership was not renewed, ID cancelled, I had a guagantee on 4 tires installed 10 months before one got damaged, and they refused service because I did not pay the renewal fee. On XXXX I tried to find out what was going on and they told me that no information was available because the account was closed and sold to MIDLAND CREDIT MANAGEMENT, latter I have received a letter from this company I contacted them on the phone and latter by mail, first call on XX/XX/XXXX, last mailing was recived by XXXX XXXX on XX/XX/XXXX, I spoke to XXXX XXXX to dispute this debt, I got a reply stating that they have reached the conclusion that their records were correct. I am a XXXX years old man this is given me emotional duress, this is a matter of principle, you must investigate XXXX 'XXXX practices to collect renewal fees, also the 2 banks involved : XXXX XXXX XXXX and Midland Credit Management.
|
| 04/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Theres incorrect information on my credit report. I spoke with Midland Funding in regards to an collections account for XXXX XXXX XXXX, in which they advised me that XXXX XXXX was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at XXXX XXXX, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to Midland Funding, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys Midland & XXXX XXXX are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
midland credit acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reportXXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.
Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.
Failure to remove these accounts immediately will result in a {$1000.00} fine.
Note that a copy will also be sent to FCRA.
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called midland credit managment to see what amount I owed as they reported to my credit report on XX/XX/XXXX and the debt said it was 1 year and 6 months old. They stated that last time they spoke with me I said I was going to talk with an attorney and they marked on my account the name of a legal team I have never even heard of. They stated they can not speak to me or give me any information as I have an attorney. I told them that is false and I do not and they refused to help me or give me any info. The manager Got on the phone at my request and refused to help me and stated I had to send a letter to remove the lawyer info. I hung up. I called back and spoke with another representative that let me know the manager had marked my account to not receive any calls.I did NOT request that. He also stated there was a department that can remove the lawyer marking, as the management said that couldnt be done. I believe they have been harassing my account as an attempt to get back at me for who knows what. I would just like to know what debt I have so that I can dispute it and start payments. I have now spoken to 5 representatives and I still do not know my balance and still do not have an attorney as they stated
|
| 04/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
Midland Credit Management LLC started garnishing my wages on a default judgement. I received a notice from the court At the time Midland was involved in an civil suit with 42 other states for there collection tactics. Midland lost the case so there reliability as a trusted business was far below standards of practice. Is this robo affidavits like the 1400 other claimed in ohio I tried an failed to verify the debt do to the pandemic no response. I soon realized that 98 XXXX complaints in 2weeks I still ended up with a default judgment. Wages garnished no response from mid land credit contacted the attorney of there legal division for verification of who an what this 3rd party debt was no answer. In a time of a nation in crisis every state preventing garnishment an debt forgiveness and I front line defense an sole provider of a family of 3. I can not afford to be garnished. No date to appear in I owe the debt I would like a 609 form a call without a language barrier, no calls to my employer the writ was quite enough to tarnish my reputation of 25years of service. I have no other choice but to file complaints to XXXX the state attorney general of Ohio and whom ever else I can to get this garnishment removed.
|
| 12/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. On XX/XX/18 received a demand letter from creditor in response to consumers written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
Creditors demand letter did not include the requested information that would show ownership of the account by Midland. Failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights.
Acct. XXXX XXXX XXXX XXXX late 30 days XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
|
| 03/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notification from Midland Credit about an account that was assigned to them by XXXX XXXX XXXX. I contact Midland Credit and they threatened to garnish my wages so I set up a payment arrangement with them. I then reached out to XXXX XXXXXXXX because I realized I never had an account with them. I disputed the validity of the account and requested a copy of the application. They said to contact Midland because they no longer have it. I reached back out to Midland several times attempting to dispute the account but they refused the dispute. They directed me online to look at the documents. The only documents they have are statements and arent able to provide me a copy of an application either. Midland suggested completing a Police Report for an account they open in 2006 and I have no information to provide them. This account has affected my credit negatively and I need assistance resolving the matter. Ive also disputed it with the credit bureaus without success. The account number with Midland Credit is XXXX. They gotten my money under false pretenses and I want this account deleted from my credit, as well as my money back from Midland Credit.
Thanking you in advance for your assistance!
XXXX XXXX
|
| 04/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
ASSET ACCEPTANCE IS REPORTING INACCURATE, INJURIOUS INFORMATION TO ALL XXXX CREDIT BUREAUS XXXX, XXXX XXXX AND XXXX.
THE FIRST CONTACT I HAD WITH THEM IS WHEN I NOTICED THE INACCURATE INJURIOUS INFORMATION ON MY CREDIT REPORTS.I THEN MAILED A VALIDATION NOTICE TO THEM VIA CERTIFIED MAIL AND ASSET ACCEPTANCE RESPONDED STATING THAT THEY COULD NOT RECOGNIZE THE SIGNIFICANCE OF MY COMMUNICATION PERTAINING TO SECTION XXXX OF THE FAIR DEBT COLLECTION PRACTICES ACT.THIS COMPANY BASICALLY STATED THAT THEY DID NOT KNOW WHAT I WANTED THEM TO DO.
THIS COMPANY IS BLATANBTLY AND INACCURATELY ATTEMPTING TO COLLECT XXXX FROM ME AND I HAVE NO KNOWLEDGE OF THIS ALLEDGED DEBT.THIS COMPANY IS ALSO REPORTING THIS DEBT AS A " FACTORINGACCOUNT '' AS THE " TYPE OF LOAN " WHICH IS FALSE!
ASSET ACEPTANCE IS ALSO REPORTING THIS DEBT AS '' OPEN '' WHICH IS ALSO FALSE AND THIS COMPANY SHOULD BE HELD ACCOUNTABLE FOR REPORTING ILLEGAL, INJURIOUS AND FALSE INFORMATION THAT IS JEOPARDIZING MY CREDIT AND OVERALL FINANCIAL STATUS.I THANK THE CONSUMER FINANCIAL PROTECTION BUREAU IN ADVANCE FOR ITS ASSISTANCE IN WHAT IS A VERY FRUSTRATING SITUATION FOR ME AFTER HAVING TO FILE THIS COMPLAINT AND PLACE DISPUTES WITH ALL XXXX CREDIT BUREAUS.
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hi CFPB! Because you exist, there is hope for the future of ordinary people like me. I am hopeful that the inaccuracy on my credit report will be corrected as soon as possible as I am not able to gain meaningful employment, qualify for direct plus student loan for myself and especially, parent plus student loan for my kids. This complaint against Midland Credit Management ( MCM ) stems from XXXX XXXX XXXX store card. MCM told me that they will remove the tradeline upon receiving the full settlement payment. They received the payment, but they did not do what they promised they would do. Never mind my future or career, I need to be able to co-sign for my children 's student loans. And to do that, I have been paying off my debts. Had I known that MCM was basically misrepresenting that they will remove the derogatory tradeline, I would have just waited a few years to pay so I can use the money I paid them to pay for my kids ' tuition fees. Before the Pandemic, I had an excellent payment record witXXXX XXXX XXXX XXXX XXXXnd I am not disputing against XXXX XXXX XXXX My complaint is solely against MCM. I feel like I've been tricked to pay a lump sum at a time of inflation and tough job market - money is tight.
|
| 01/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Between the dates of XXXX XXXX and XX/XX/XXXX I documented 23 different phone calls made to Midland credit management Co. I want to settle a debt for approx. 800.00. I want a letter of satisfaction emailed to me and a line of satisfaction given to the court where there is a judgement against me. I have heard everything from we can't talk to you because you are from WV, which I'm not, to you have restrictions on your account and we can't help you. No one from the legal dept, customer support, resolution dept, countless managers could let me pay my debt. The computer system was also blamed. I was transferred 4 times where I was disconnected. I was told to call back in 1 day, 3 days, and most recently a week. I have attempted to pay my debt via online 4 times the week on XXXX XXXX with no success. XXXX XXXX I had an online chat with XXXX who told me she couldn't help me and gave me a number to call, which I have done more than once. What is going on? It has now been two weeks that I have tried to pay this very old debt. I want someone to accept my payment, give me a letter of satisfaction and remove the judgement Midland Funding LLC placed against me in court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX
|
| 09/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I returned a call to the collections agent, XXXX ( XXXX I believe is the last name ), the agent handling the account that he called me about. While on the phone with XXXX, he said that I would be taken to court and sued and that a summons would be delivered to my supervisor or manager at my job. After we went back and forth for a bit, I explained to XXXX that he would never find my supervisor or manager so he said that he would forward this case for litigation and we disconnected the call. I wanted to report him and his behavior to his manager. I called back and the switchboard operator said that she did not know who his supervisor or manager was so I called XXXX and asked that he connect me to whoever he reports to. He said that he was the supervisor and the manager. I asked him if he owned the company but he said no because if he was, he would obviously not be working. I told him that since he was not the owner of the company that there was someone that he reported to. After about 5 minutes of me explaining to XXXX that he must report to someone, he placed me on hold, said that he was getting a supervisor but came back to the line after about 10 minutes to say that there was not a supervisor available.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midland Credit Management refuses to report to credit bureaus the accurate amount of money owed according to our settled upon agreed judgement. My attorney XXXX XXXX successfully negotiated an amount of {$10000.00} to be paid in an initial lump sum of {$2500.00} and then monthly payments thereafter. Per the judgement agreement the monthly payments are mandated to be {$310.00}. Since entering in to the agreed judgement my payments have all been made on time and have exceeded the minimum amount. Despite my paying on time the website portal for payments still threatens legal action as though a lawsuit is pending when they have already sued me and my debt is getting paid while still being inaccurately reported to credit bureaus. In addition to reporting false information to credit bureaus Midland Credit Management has contacted me directly multiple times instead of my attorney. The website for payments towards the settlement amount takes days to update after making on time payments and the balances are still not accurately reflected. Midland Credit Management is a shady business that uses underhanded tactics to harass and sue consumers then doesn't have the integrity to report honest or correct information.
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The Original account was with XXXX XXXX and I was paying until I lost my job XXXX XXXX XXXX XXXX. My account came in arrears and some months or years later I was reached out through XXXX XXXX internal collection department and myself and the woman made an arrangement to pay XXXX a month. The balance then was {$600.00} with late fews and no payments made. I did that and did my full term of months to pay it off for them to waive the other {$300.00} or so and close my account as paid in Full. That didn't happen, once I paid my portion off they kept {$100.00} stating I need to pay it off. I didn't pay because I did my portion as agreed The account was opened XXXX, it's over 6 years and Midland Credit bought it and trying to collect the Erroneous amount that was sold to them. I'm unsure if they are even Licensed to collect in my state, they haven't Validated the debt of when it was opened and last pay amount made at all. Now my account has been flagged, I never spoke with them to provide ownership of the account at all and definitely didn't give them permission to my account for collection. It's a violation of this practice and I want them to Validate the amount with dates and proof of collection inky state.
|
| 05/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 I noticed a negative report on my credit report. Midland Credit Management indicated that I owed them {$620.00}. I contacted them and stated that I never heard of them. I was told the original creditor was XXXX XXXX. I indicated that XXXX XXXX closed and wrote off this. However, I have plan on paying the balance off. I was informed that Midland Credit Management bought this debit from XXXX XXXX and I owed them {$620.00}.
I disputed this debit with XXXX and XXXX and they found the amounts to inaccurate with Midland Credit Management.
I was then sent a letter from Midland Credit Management for me to provide them proof of what I owe. Now I am receiving Pre-Legal Notifications in the mail I have reported Midland Credit Management to XXXX and you. I have also wrote them and told them, by Law they are to provide me with written statements of the original purchase, what is was for, how much and when and how they came to this amount of now {$620.00}.
Companies buying old debit needs to be against the law as they businesses are harassing people and charging hundreds and thousands of dollars of what is actually owed.
I want this to stop and my credit wiped clear of Midland Credit Management.
|
| 09/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or about XX/XX/2018 i called XXXX XXXX to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
To whom it may concern, I have an issue with XXXX XXXX, XXXX, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that Midland Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my XXXX and XXXX reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to XXXX, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to XXXX, XXXX, and Midland, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. XXXX and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue.
Sincerely,
|
| 11/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Midland Funding received an AFFIDAVIT OF TRUTH on XXXX XXXX informing this company of the fraud and deception used when they collected on an alleged debt.
When they attempted to collect on this alleged debt, Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. coerced me into paying this alleged debt . Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. purchased these alleged debt while invading and infringing upon my privacy. You obtained information that should have never been disclosed in fact, I never signed a legal binding contract to pursue business with Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. Again, please forgive me for my ignorance of the law ; however, consumer is requesting in fact the bill of sale between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. will provide in fact the forward flow agreement and aggregated value of purchase between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX
|
| 06/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX, my neighbor was walking her dog by my house and she said she heard this guy was trying to serve me and she saw him taking pictures. I said let me do some research because I dont owe any pass debts. I said let me check my credit report and I see Midland Funding filed a case on my credit report on XX/XX/XXXX. So that means they had 3 years to sue me for a debt outside the statue of limitations. Maryland said you have a period of three years after the act which caused you the harm to file a civil lawsuit. Its XX/XX/XXXX so thats almost 4 years. My neighbor then said XXXX look like they try to take you to court on XX/XX/XXXX for a civil case in Maryland District Court. Not sure how she knew that but If that is true once again Midland violated the Statue of limitation because it now 3 years and 3 months since that last activity. No Im being harass outside the statue of limitations for a debt that I do net owe to Midland Funding. I never got any credit from them. Im not paying anybody outside the statue of limitation but I like to see the original documents where I owe them. If they have no proof of the original documents, therefore I dont owe them anything and they need to stop harassing me.
|
| 05/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midland Credit arranged a payment plan for me on a debt collection from XXXX XXXX XXXX, totaling {$1900.00}. The arrangement was as follows : - ACH payment of {$100.00} on XX/XX/2020 - ACH payment of {$650.00} on XX/XX/2020 - ACH recurring payments of {$390.00} on XX/XX/2020, XX/XX/2020 and final payment on XX/XX/2020 All payments have been made as per agreed. I was just notified by a credit monitoring website I use ( XXXX, XXXX, XXXX ) that {$410.00} is now being reported by Midland. I checked my account on the Midland website, to see that my old account, XXXX has disappeared, along with my payment history, and has been replaced with a new account number, XXXX. I have no other collections with Midland, and the new account shows as still being tied to the XXXX XXXX XXXX debt, which has been paid in full. I attempted calling Midland to ask what they are attempting to collect additional money for ( none of my payments were returned or bounced, can provide bank records to verify this ), and was bounced to several departments and then told to call back another day. I am refusing to pay anything over and above what has been agreed upon, and would like this information and these sums to be removed entirely.
|
| 01/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.
|
| 07/20/2015 |
Yes |
|
|
|
Web |
|
|
It appears that Midland Funding ( original lender ) has either sold the debt I incurred with them or has a collecting agency working for them. The debt is at least XXXX years old. I am currently in Chapter XXXX bankruptcy. XXXX XXXX ( asserting to have a corporate office in XXXX ) calls and their number comes up on my caller ID here at work as a local number ( XXXX ) XXXX yet there return call is ( XXXX ) XXXX, ext. XXXX, XXXX XXXX and the voice mails are they are going to serve me either at work or at home, once I answered the call and they wanted to speak to my supervisor. On another occasion, my attorney and I both called them to inform them of the pending bankruptcy and which they replied that pay day loans are not eligible to be listed in bankruptcies ... I 've faxed them a copy of my bankruptcy petition yet they continue to call and leave threatening voice mails. We 've asked them to provide us a mailing address and they have refused. Please contact them to verify the debt and advise them of the pending bankruptcy and they are violating the automatic stay afforded to me by the United States Bankruptcy Code. You can verify my case on the XXXX XXXX XXXX XXXX, XXXX Division, website, Case No. XXXX.
|
| 02/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The calls date back to XX/XX/XXXX. I receive/received repeated phone calls from XXXX XXXX XXXX , XXXX. Although the address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, the company is outsourced in XXXX. XXXX XXXX XXXX , XXXX is trying to collect money for an account from XX/XX/XXXX. All of my accounts with this company are outdated. The customer representatives have incorrect address on file, my accounts are passed to more than one person I continue to speak to different people regarding my information. When I ask to mail all of the information regarding my payments that are due, the response is " I only handle this account '' although my accounts are with the same company. One of the representatives was condescending and rude and some customer representatives were aggressive and wanted me to make a payment during the phone calls. When I asked to speak to a manager, I told him about the situation, the manager was rude as well. I think it's unfair for me to make payments on closed accounts. It's also frustrating to have multiple customer service representatives calling me and pressuring me to make payments for multiple accounts all at once/same time for debt that is over ten years old.
|
| 04/18/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
|
| 08/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Basically, I have received yet a third " Pre-legal Notification '' from Midland Credit Management a couple of days ago. They have received multiple cease and desist orders in both oral and writing format from me. I had also told them that I do not owe this debt and have never heard of XXXX XXXX XXXX XXXX until I did some research with the CFPB. This is the third time I have contacted the CFPB about this company and it is my confirmed allegation they are committing fraud and from what I have read and researched after my first complaint against them in XXXX of last year, after I received my first pre-legal notification from them, I found they had a class action lawsuit filed against them for trying to collect old and false debts. I had also told them that I am in a financial hardship due to a death in the family and later the pandemic. I would like to put a stop to this finally and get this debt which is not even my debt removed from my record and get them to finally leave me alone. I also notice that the division manager who is in charge of sending me these letters is a XXXX XXXX. I would like this case to go to my state 's attorney general and to the Department of Justice. I want to press charges.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. So i request that my account be deleted from XXXX, XXXX, and XXXX.
|
| 09/01/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I 've contacted MCM via certified letter on XX/XX/XXXX about the inaccurate information that was being reported on my credit. I ask for Validation of account, on the first attempt the sent me a letter with the creditor, account number, charge off date and charge of balance. In a second letter I explain that the the information that they are reporting is in accurate and incorrect. I received another letter on XX/XX/XXXX with a copy of a statement, with a previous balance of XXXX, pass due amount of XXXX, fees charges of XXXX and interest charged of XXXX The original credit limit was XXXX, but says new balance is XXXX. I asked that they show purchases when and where, payments made to the account, ect. They stated they have notified the 3 credit bureaus to change status to DISPUTED. Due to a government hack in 2016, I 've had to make sure all credit info and accounts are accurate an are my account. This account has been paid through another collection agency, but now I have MCM and another company trying to collect on the same debt. I just want the matter resolved, and handle. And my information to stop being sent to different collection agencies trying to collected on a debt that has already be paid.
|
| 11/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midland credit management contacted me by phone and by mail numerous times attempting to collect money from me regarding a charged off XXXX XXXX account that I have never had. They have sent me a pre-legal notice on XX/XX/XXXX stating that legal action would be taken against me if I did not pay this accused debt. I responded to the letter asking for debt validation because I did not know who Midland Credit Management was. My letter clearly asks the company to provide me with written validation of a contract between them and I so that I could understand why they were demanding me to pay them, and they did not provide that. They instead sent in one envelope including one letter from MCM dated XX/XX/XXXX stating the company was uncertain of what I was disputing and a second letter from XXXX XXXX dated XX/XX/XXXX stating that a credit card was cold to MCM. I contacted Midland Credit management via phone on XX/XX/XXXX and explained to them that I did not have a XXXX XXXX account and they needed to stop reporting the the bureaus that I owed them. They agreed to cease and desist the account but refused to stop reporting to the agency even though they have failed to provide non-generic debt validation.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FRCA Violation credit card XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN FRCA Violation collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX
{$850.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$540.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$380.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX.
{$1000.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$3100.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$2400.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away.
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.
I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.
|
| 11/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or around XX/XX/XXXX Midland Credit management obtained my credit report and filed a collection account on my credit report. Upon realizing later on that this account was filed and it did not belong to me, I submitted a dispute. The dispute was completed on or around XX/XX/XXXX through XXXX and around XX/XX/XXXX for XXXX and the credit bureaus found this account to be inaccurate and did not belong to me and resulted in a deletion. On XXXX XXXX, I was served with a lawsuit. I did not get any communication during the entire time from the date it was placed in my credit file ( which I noticed by being diligent with checking for errors ) following this lawsuit regarding an attempt to collect a debt. On XXXX XXXX I filed an answer in court that the account does not belong to me. I followed up with the law firm representing the collection agency on XX/XX/XXXX spoke to XXXX and she said that the account is in dispute ( for the second time ) and I have not been given any communication about the debt or dispute. I have proof that the original account they claim I have ownership of, is not mine and I have proof of the dispute. I would like to file a complaint. Please contact me regarding this issue.
|
| 05/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
I had financial hardship, and contacted XXXX XXXX XXXX last XX/XX/2019. They said they have reached out to all my creditors to make arrangements to pay each XXXX.
XXXX has refused to work with XXXX XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. XXXX, and their Midland Credit Management, have publicly shamed me, and inundated me with countless lawyers contacting me daily.
XXXX XXXX turned my XXXX XXXX debt over my to Midland Credit Management for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt.
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
|
| 04/28/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a payday loan of {$300.00}. They started deducting {$60.00} per week from my bank account. After about 8-10 weeks they were still deducting the amount only it was now {$95.00} a week. I had direct deposit that I did n't want to stop but I had no choice but to close the account. After some time someone from an agency contacted me & my employer threatening arrest so my employer wrote a check for over {$1400.00} for the loan & " fees '' to this agency.
I thought that was the end of it. In the past month, people from another agency " Midland Credit '' have harassed me and my daughter, sister & friend threatening me yet again. By this time, I had unfortunately suffered an accident which resulted in becoming an XXXX. The man who called " XXXX XXXX '' called me names and said that my daughter told him my situation. He said he did n't care who I was or what I suffered from but that I had to pay this debt. He switched me to " XXXX '' who proceeded to berate me and call me a criminal. I am at my wits end and want this harassment to stop. Who knows how many people they do this to a day? I asked for them to send me the paperwork and the " 10 day notice to appear '' and they refuse. Please help!
|
| 11/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Asset Acceptance claimed in court on XX/XX/XXXX {$11000.00} ... ... Balance as of XX/XX/XXXX {$3300.00}.
On behalf of Asset Acceptance, Midland Credit Management ( MCM ) has been garnishing my payroll wages since XX/XX/XXXX. Due to hardship, in XX/XX/XXXX, I filled an appeal against Asset Acceptance and was denied. The Asset Acceptance Representative present in court did not even look at the hardship documents that I brought to court in XX/XX/XXXX.
Now due to the pandemic, my work hours have been reduced ; being head of household, I called Asset Acceptance to ask if they would tenatively stop the garnishment until my working hours became regular again, and the answer was no.
Due to the dates listed above, Midland Credit Management ( MCM ), on behalf of Asset Acceptance, has been falsely garnishing my wages according to the statute of limitations on credit card debit ; while in court XX/XX/XXXX, they did not present any accout number, nor did they try to contact me prior to the court date. The Asset Acceptance Rep. forced me to go ahead and sign a document although I informed him that I was already under obligation paying a current garnishment ; and could not afford to pay anything else.
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a company by the name of Midland Credit Management that is being reported on my credit report. I have signed no contractual anything with them and have no clue of who they are. XXXX XXXX XXXX, they claimed to have verified the account, but attached no evidence XXXX documentation ) of such to support this claim and I believe they may be the people calling me and harassing me throughout all times of the time even when I am attending my appointments for my XXXX, actually especially during those times.
I have saved a long list of numbers and the time stamps, that I am ready to proceed legally on to end the harassments from a company or creditor or whatever they claim themselves to be.
PLEASE SEND DOCUMENTATION THAT WAS USED TO VERIFY how this account is linked me and the documentation showing that I legally owe Midland Credit Management anything.
I disputed via XXXX XXXX, but being this is my first time disputing anything as my credit history previous to COVID was pretty good.
I am also undergoing extreme hardship due to COVID. I am struggling to keep my house. I am struggling to find a job due to my XXXX and all of this is overwhelming and makes it harder for me as a XXXX XXXX.
|
| 01/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
|
| 03/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
There is a XXXX credit card on my credit report that I have been disputing since 2017. This debt was closed out by XXXX. The debt was purchased, without my knowledge, and I was never notified of this, by Midland Funding.
Midland Funding never made any prior written notification to me to make payment of this debt, which I dont owe.
I live in a secure building with a consierge and somehow someone was able to get to my apartment door and leave a legal notice. Then, two days later harassed the front desk staff who had to make him stand outside my building, and continually harassed me with phone calls even though I wasnt even home yet. The company servered back dated legal papers of XXXX that I received XXXX, suing for a little over {$580.00} at 12 % interest rate, on a closed disputed debt without any prior notice to me. They waited to serve these papers, didnt have me sign for them, making it difficult to file any court responses appropriately. The documents have no case number that I have been able to validate, it hasnt been signed by a court Clerk of any kind, and the license for this company to practice is out of Washington State. This is a clear violation of my consumer protection rights.
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.
|
| 06/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Notice of Warning for Any Delay in Processing by Midland Funding, LLC To whom it may concern.
I am aware of your attempts to delay the processing of many consumer disputes and challenges based on your belief that my disputes are duplicate Your delay is illegal, as it is the right of all consumers to receive ALL information concerning an alleged debt, and you have no legal basis for delaying the processing of those letters.
However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S.
Code 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist.
|
| 05/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called on XX/XX/20 on behalf of my husband to get written validation of his debt- the agent said that it was sent for not just one debt but a second one we didnt receive any notice for, confirmed our address, but when I asked that they be re-sent ( since we never received notice of this debt until today in a pre-legal notice, never received ANYTHING in regards to the second debt, and never requested the validation from them previously and have never made direct contact with them ), and specifically asked that they be sent certified mail, the agent was extremely hostile and aggressive, and insisted I give her an exact amount that I would be able to pay TODAY or face legal action- despite my insistence that I would need to see those validation letters to confirm the debts and the amounts, and speak with my husband about them before making any payments or promises to pay. She proceeded to badger me with personal questions like what my financial discussions with my husband were like. We still have not received these validation letters, yet am being told if we dont make a payment by XX/XX/20 we will face legal action, including one debt that we have received absolutely NO correspondence about.
|
| 04/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The above debt was originally due to XXXX, XXXX. However, due to job loss and economic down turn -- I stopped payments. In 2013, I went from working a 5hr job to that of an 8hr one. However, in recent years the above agencies Midland Credit Management , Inc. a subsidiary of Encore Capital Group have resulted in FULL out harassment tactics. They are having me surveillanced/followed in my daily comings and goings, especially to and from work!
I have been able to take some photos of some of their operatives. They are not shy about their efforts, often by walking in slow proximity, and looking back over their shoulders at me. In addition to sending " hasty '' text messages into their cell phones once they are sure of who it is they are tracking. Up and to a point, they were taking actual snapshots on their cell phones. It was n't until I spoke to a debt attorney over my cell phone, who clearly announced that they should stop it immediately. And yes my cell phones have both been hacked on top of everything else.
I will be contacting other Federal agencies in regards to these blatant violations. Thank your for your prompt attention to this matter. And look to hearing from you soon. Sincerely.
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
Midland Funding levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a retired and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX XXXX who charged off the debt in XX/XX/XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to Midland Funding in XX/XX/XXXX for pennies. Midland Funding filed a civil suit and never serve me and got a default judgment in XX/XX/XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on.
I contact Midland Funding and spoke to XXXX XXXX at XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without Midland Funding authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
|
| 03/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I received a bill from Midland Credit Management dated XX/XX/2019, to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with XXXX. A couple of years ago I received a fraudulent call from someone claiming to call from XXXX for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud.
Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX XXXX, the last thing I expected to deal with was identity fraud.
I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.
|
| 09/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent this collector a bunch of letters certified mail and they have never responded or provided any proof of the alleged debts they are reporting on my credit reports. I do not agree with the debts owed and i have asked them for an itemized bill so i could determine if the debt they claim is truly mine or not. Initially they were sending me collection letters stating that they were in Pre-legal review and that they were going to turn the case over to a lawyer to sue me. That was XX/XX/XXXX and they still have not sued me or provided even basic documentation to prove what they claim. They have violated 15 USC 1692 FDCPA and 1681 s2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent 3 certified mail letters and they have only responded with their standard computer generated letters stating that they received my dispute and will no longer contact me but they have never once provided even 1 account statement showing what was purchased or even showing i ever owed a bill. I am still disputing this debt and this is my last effort to get it resolved before filing a lawsuit in Federal court in the XXXX District Court of Pennsylvania
|
| 02/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Opened account with XXXX in XXXX. Closed account in XXXX. In XXXX XXXX I receive a call stating I owe money. I have tried to show that I did not make the purchase. I was told different information every time I spoke to the debt collection company. What I have learned is that a computer was purchased in XXXX with a change of address. I live in XXXX and have for over 30 years. The product was sent to XXXX. I am just hearing about this in XXXX XXXX! I have tried to explain that I have never lived in XXXX. I have even spoken with XXXX. After XXXX transfers I find out that the email and password to what was suppose to be a closed account was changed. That is how the purchase was made. I am trying to clear this debt without paying for something I did not purchase. I purchase all of my computer equipment through XXXX XXXX. XXXX says the account is now closed. However the debt collector is still sending me invoices of payment due. What do I do? I see no reason to pay for something I did not purchase. I am trying to cooperate. XXXX said they could not send me any invoice or statement of the purchase. I did receive a statement from the debt collector for XXXX XXXX. It has a XXXX XXXX XXXX address.
|
| 08/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now?????
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016????
Please help me settle this unfair debt!
|
| 10/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The debt collection agency that I'm dealing with is Midland Credit Management ( Midland Funding LLC ). The company has first attempted to contact me on XX/XX/2019 at XXXX and I accepted the call, but got no response from the other end. Since then, I have been receiving up to three calls a day or every other day over the period of four weeks. Sometimes they spam my phone with the same number, other times the company will use a different number.
On XX/XX/2019 at XXXX, I mailed a debt validation letter to Midland Credit Management instructing them to inform me of the debt that I supposedly owe them and the same debt they are calling me about. I also clarified in the letter that I am not to receive any more phone calls from them and that communication would only be done through traditional mailing. The only response I have gotten is more phone calls from the company spamming my phone and total disregard of my debt validation letter.
To this day, I still have not received any mail from them pertaining to what debt I owe them, my account information for their website to see the debt to make payments on ( account number, login information, etc. ) or where they have purchased the debt from.
|
| 03/23/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midland Funding has been calling me and mailing me for a long while claiming I owe them {$9200.00} on a XXXX account numbered XXXX. I have stopped paying all XXXX accounts as of XX/XX/XXXX due to facing devastating financial losses at the time. We know XXXX does not allow reporting to credit bureaus on delinquent accounts that are over 7 years old. I contacted XXXX, and they confirmed that no such account number existed in their systems. I have detailed stored information on my servers going back to XX/XX/XXXX and I attest that I have never had this account. I contacted Midland Funding and they had me on hold for very long times, and were not willing to send me proof of payment made by me on this account less than 7 years ago. I am getting declined on credit applications due to this derogatory information being reported by Midland Funding.
They have themselves admitted to XXXX on the attached report that the account was to come out on XX/XX/XXXX, yet they are not willing to remove from XXXX. I have disputed with XXXX, but they claim Midland will not remove.
I request the assistance of the CFPB to get them to immediately remove this false and damaging trade-in/collection.
Thank you
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have already disputed the account XXXX XXXXXXXX XXXX from opened credit cards accounts on all my credit reports XXXX, XXXX, and XXXX last year of XXXX. I noticed my credit being ran in XXXX XXXX on XXXX XXXX I contacted XXXX XXXXXXXX XXXX and told them no I did not open this account. This account was opened in Mississippi, XXXX is the county I think. I have never lived any where other than XXXX address 's or XXXX XXXX. They proceeded to ask me if I had an authorized user on the account and I told them no. I asked them who it was and they said XXXX XXXX who is my ex-husband of XXXX. This person is a con artist with no credit and has stolen my info. I have no communication with this person and did not give them any permission to open any accounts in my name. This was disputed and closed But then put in collects on my credit report as they sold the account to Midland credit management. I called them again because I thought this was cleared the first time. they asked for my address and then proceeded to change it on the account saying all info is correct when that's not true. I want the account removed from my credit reports and future reports on XXXX, XXXX and XXXX. Thanks you XXXX XXXX
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a credit card that was in great standing that I paid off every month. In XXXX of 2014, they thought there was an inaccurate charge on my account and closed my account. They then would not accept a payment and sent it to a collection company who then sent it to a lawyer. They closed and charged it off BEFORE I was ever even late on a payment. They wouldn't let me even pay it. They never let me verify the charges they thought were fraud. They literally just closed it without my consent when it was in good standing. I have spent years trying to get them to fix it but all they will say is they don't own the account. I have the statements from 2014 showing I was completely on time on the account and the next month they charged the account off. I am now applying for a home loan and getting denied only due to these accounts as it is still affecting my credit by over 50 points! I have requested verification multiple times which they have never provided and yet some how it still is on my credit report even though I have done everything that is within my legal right and they won't do anything they are legally obligated to. I can not lose my home due to their mistake that is not even legal!
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
CONTACTED COMPANY REGARDING OUTSTANDING ACCOUNT ON CONSUMER REPORT, SPOKE WITH AGENT REGARDING SETTLEMENT OF ACCOUNT, WAS ADVISED IN THE BEGINNING OF THE CONVERSATION THAT THE PHONE CALL WAS BEING RECORDED AND THAT THE ACCOUNT WAS OUT OF STATUTE AND THAT THEY WERE NOT LEGALLY ALLOWED TO SUE REGARDING THE DEBT SINCE IT IS OUT OF STATUTE. AS THE PHONE CALL PROCEEDED THE COLLECTOR WOULD NOT ALLOW ME TO SPEAK WAS CUTTING ME OFF AND WOULD NOT ALLOW ANY NEGOTATIONS AND WAS USING SCARE TACTICS MAKING STATEMENTS ABOUT HOW IF I DIDNT PAY THAT MY CREDIT WOULD CONTINUE TO BE EFFECTED AND THAT THE ONLY WAY FOR THEM TO REMOVE WAS TO PAY THE FULL AMOUNT THEY WERE REQUESTING ON AN OUT OF STATUTE DEBT. THEN THE COLLECTOR PROCEEDED TO TELL ME THAT I WAS LEGALLY REQUIRED TO PAY THE DEBT IN FULL AFTER I HAD OFFERED A REDUCED SETTLEMENT OFFER TO RESOLVE THE OUT OF STATUTE DEBT. I ASKED TO SPEAK TO A SUPERVISOR SINCE THE COLLECTOR STATING THAT I WAS LEGALLY OBLIGATED TO PAY WAS A VIOLATION OF THE FDCPA SINCE THE ACCOUNT WAS OUT OF STATUTE. WAS THEN TOLD THAT THEY DID NOT CARE AND THAT IF I DIDNT PAY IN FULL WHAT THEY WANTED THAT MY CREDIT WOULD BE AFFECTED AND THERE WAS NOTHING THAT THEY WERE GOING TO DO.
|
| 04/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX of XXXX, someone used my name to open a XXXX XXXX XXXX account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid.
I received a message from XXXX XXXX about an overdue balance around XXXX, XXXX. When I returned the call, the XXXX XXXX department couldn't find any information about an account matching the information I could supply. I told him it was an unauthorized account and to close it immediately.
I received a letter from Midland Credit Management dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. XXXX XXXX had closed the account and had sold it to Midland Credit. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date.
I filed an Identity Theft Report with FTC and sent an official letter to Midland Credit in XX/XX/XXXX with documentation. No letter from Midland.
I receive several phone calls from Midland Credit each day and want it to stop.
|
| 09/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received an order to answer interrogatories along with a letter dated XXXX XXXX XXXX, from the HR department at my job. It asked for salary information for a person with a name I've never used at an old address. I thought it was a scam and ignored it, because I knew that I would need to be served if anyone was suing me, and had never once had any communication about a debt or a lawsuit. Then they started garnishing my wages on XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a notice and a letter from the HR department at my job, dated XX/XX/XXXX, that my wages would be garnished starting with my XX/XX/XXXX paycheck. These are the only two communications I received, ever, about any lawsuit against me.
When I looked up the case number, this case has been ongoing since XXXX, and I have never once received any notice, have never been served, have never received a single letter or phone call about it. All the times the attached case summary shows I have been served are blatantly false. I don't know where this debt came from. I don't know what it is for. I do not believe I owe it, and I have never been given the chance to dispute it. I will be obtaining the services of an attorney.
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in XXXX Ordered a TV off XXXX for my wife in the nursery at the time, but it came damaged. XXXX sent replacement TV, and used my XXXX card for hold for advanced replacement. The TV was revived but the charge was not taken off the card. Contact XXXX was told it would be taken off, and told not to worry. I did not use the card after that and they closed it with the amount not refunded. I have contacted XXXX, the creditor repeatedly, disputed and fax MCM the info asked. They are continuing to change the balance and dates on. I have the return receipt from XXXX. The card issuer XXXX Card used has sold the unverified debt to a collection agency named Midland Funding and goes by MCM. MCM has been disputed, contacted and faxed all information on this but continuing to re-age the debt and amount. The balance was {$150.00} and has been turn in to {$460.00} and the date was XXXX has been changed to XXXX with it being open and late payment monthly. This is unverified debt that the original issue does not despite was inaccurate.
Please I have been trying to rectify this but am being extorted to pay debt I dont owe or have this affect me financially by other means. Thank you for your time.
|
| 02/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never recieved anything in the mail stating I had a debt with this company, i received my first call from them in XX/XX/2019 stating i owed a debt and was late and they would soon start reporting on my credit. I asked the man to please send a letter validating the debt since I had no knowledge of the debt he was referring to, he proceeded to tell me they had already sent it and it was sent back to them, which is impossible since I never sent anything back to them. So he said they would send it again. By XX/XX/2019 I still had not received anything so XX/XX/XXXX I called and requested again for them to validate my debt and the man said it was to late so I asked to speak to a supervisor and the supervisor then told me I could dispute the debt and that they will send me validation in the mail by 30 days, which they did not. So XX/XX/XXXX I called and was told that they were still investigating and then I was told he closed out the investigation while we were speaking and that I would receive documentation validating my debt. To this day I have not received anything in the mail from them yet they are still negatively reporting to the credit bureaus on a debt they cant seem to validate.
|
| 09/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A Warranty Contract was purchased on XXXX XXXX, XXXX, for a 1-year period, and paid in full by my check for {$470.00} into my XXXX account. The Contract was cancelled by the provider on XXXX XXXX, XXXX who also refunded {$320.00} into my XXXX account. No work had ever been done by the provider. No statements or bills were ever received. My XXXX account was sold to a debt buyer who specified a default amount of {$320.00} and expects payment. The debt buyer 's account terms were provided to me on XXXX XXXX, XXXX. I disputed the validity of the debt as well as the default amount and the " return mail receipt '' indicated delivery on XXXX XXXX, XXXX. I have requested detail about the debt charge components since the Warranty Contract had been cancelled. The debt buyer has never addressed any of my dispute points and insists that the amount owed by me is " correct '' per account notes and information from the previous creditor. I have never been provided with evidence that I am responsible for this debt or the details of the charges except the {$320.00} total.
On XXXX XXXX my credit report was flagged by the Debt Buyer as " Collections '' causing my FICO score to fall from XXXX to XXXX.
|
| 06/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2020 Midland Credit Management Received a Pre-legal notification today from above debt agency. Called to request a validation letter. Spoke with XXXX XXXX around XXXX. When I requested the letter he told me that they already sent out the validation letter in XX/XX/2020. Explained to XXXX XXXX that I never received the letter. He then asked, How is it that you recieved this notice but not the validation letter? Advised that is the question for the US Postal service. I do not control the mail. I asked again for them to send me the letter, because I need proof of the debt. He stated they can not send it to me because they are only sent out once. Advised again I need proof of debt, i.e original contract, proof of billing and credit. He said they can not send it. I advised I will send my request in writing and they have 30 days to provide me what I am requesting. If nothing is provided in that time frame, I will consult my attorney for guidance. XXXX XXXX stayed he will note that on the file. The call started off rocky, he was trying to force me to verify information I was not willing to verify. Address- I stated that is the address on the notice that I recieved. We ended the call.
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I believe I filed complaint against MCM or Midland Credit Management before.. They are one of several debt collection buyers who were allegedely collection debt on behalf of XXXX. I wrote to XXXX directly and receive and positive response. Stating that XXXX does not report to credit bureaus. So since when collection agencies have more to say than the original creditor? I read all the federal rules about reporting and collecting practices. I also noticed among several of my collection letters that that dates of last activity keep changing. I believe that 's illegal. This particular account according to XXXX XXXX letter only existed one month from XX/XX/XXXX - XX/XX/XXXX. The balance of {$1600.00}. XXXX includes activation fees, third party downloads, etc.. Also in another letter to MCM I attached a class action letter including my account as being part of XXXX fraudulent overcharges. Yet this debt buyer has the nerve to constantly herrasse me ( XXXX woman )?!! I will send you this official XXXX letter of or when needed. I have a claim with the government class action suit. So maybe they need to pay me for all the misery, hassle and worth ending of my health XXXX XXXX XXXX survivor ).
|
| 05/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received multiple calls form this company, provided my name and asked what the call was in regards to. They request that I provide information DOB or last 4 of social security number, so I disconnect the call.
I received an email stated they will take me to court and sue me if I do not pay by XX/XX/XXXX.
I tired through their site and chat to have information mailed to me and they require me to provide my information again and I refused, so they said they cant help me.
I call and spoke to two reps who request I provide information asked for a supervisor and he asked for me to confirm the information he had on file. He provided my information and I confirmed that was correct information for me but was unaware of the debt.
I asked for him to send the information in the mail to the address he had on file and to include the original contract and itemization. The supervisor XXXX refused and said he does not have to provide that information to me but as a courtesy I can view it in their website.
I informed the site requires me to accept their terms and I do not feel comfortable doing that.
The supervisor stated that is the only way and they will not mail me the information.
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT claims they have the right to communicate with me via my consumer report however Congress clearly states in 15 usc 1692c that the debt collector may not communicate with a consumer at any time or place to be inconvenient to the consumer. They claim they sent me a letter informing me of my ability to opt out of any sharing of my non public personal information but I never received such letter and this would have to be proven via a signed certitudes mail receipt showing I received such communication that is required by thE GLBA. In addition the debt collector must cease and desist ALL communication across ALL mediums. My consumer report is considered a medium of communication. MIDLAND CREDIT MANAGEMENT also claims communication does not include consumer reports which is false. IT DOES INCLUDE NOT COMMUNICATING THROUGH MY CONSUMER REPORT. I demand MIDLAND CREDIT MANAGEMENT cease and desist this deformation of my character on my consumer report or I will seek legal remedy that I am owed in the form of {$1000.00} per FCRA violation. This is my last time communicating this to midland before I file a civil lawsuit against you for damages caused by these actions.
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Today XX/XX/XXXX I received this voicemail from XXXX XXXX, Michigan ( XXXX ) XXXX : XXXX XXXX I'm calling to notify you I will be out to your residence or place of employment in the next business day you will need two valid forms of state ID and if it work I will need a supervisor present as a witness I obtain your signature if I'm unable to locate you at either location the documents will be sent back as a direct refusal a missed appearance if you have any questions pertaining to this matter before receiving these documents you can contact the plaintiff at XXXX I called the XXXX and an American male who identified himself as " XXXX '' asked if ( XXXX ) are the last 4 of my social security number. I told him yes. He explained to me that I have a delinquent amount from XXXX of {$2300.00} with XXXX XXXX XXXX. He named my city, mother, and daughter. I told him I have no such account so my identity must have been stolen. By the end of the call I accused him of trying to scam me. Afterwards, I realized the dollar amount and plaintiff he said I owed is the exact amount and plaintiff from a judgment I paid off on XX/XX/XXXX. The Certificate of Satisfied Judgment is attached.
Thank you
|
| 08/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt.
In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website.
No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.
|
| 01/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting XXXX XXXX XXXX office because as an XXXX they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that XXXX XXXX XXXX has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
|
| 12/22/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards.
I am really feeling harassed with no end in sight. Can you get them to cease and desist?
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Disputed unauthorized accounts being published on my credit reports with Midland Credit Management on XX/XX/2023 and XX/XX/2023. My request for validation of these alleged debts have been intentionally ignored. I requested the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Midland Credit Management with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.
5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.
6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
As of today, the unauthorized accounts are still being published on my credit reports and I have not received any communication from Midland Credit Management.
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to address a debt that has been reported on my credit report by Midland Funding. The company has stated that they purchased a debt that the original credit was a XXXX XXXX XXXX account that was charged off in XXXX. However, I would like to clarify that I did not have a XXXX XXXX XXXX account prior to XXXX. The name on the account in question is XXXX XXXX, which is similar to my name but it is not mine. I believe that someone may have used my identity to open the account without my knowledge or consent.
I have already informed Midland Funding that the account was not mine. However, I am disappointed to learn that they are still trying to collect from the account as if it belongs to me. This has resulted in the account being reported as a collection on my credit report, which is negatively impacting my creditworthiness and preventing me from obtaining credit.
Therefore, I kindly request that Midland Funding deletes this collection from my credit report as soon as possible. As I never had this account, it is unjustified and unfair for it to be reflected under my report. I would appreciate your prompt attention to this matter, and I thank you for your understanding.
|
| 10/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & XXXX Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding XXXX Validation Attachment XXXX.
I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response & XXXX Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
|
| 12/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX.
I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report.
Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.
|
| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The company has not provided the authorized agreement creating the debt 15 usc 1692f. Therefore if there was no agreement in place between myself and Midland Credit Management inc. that means i have no contractual agreement to pay them an alleged debt. This accounted has never been validated and I have no knowledge or relationship with the company. the debt collector has been notified it has been disputed and needs to be removed until they mail me the Original Purchase agreement or copy of judgement. I have not given this debt collector any consent to communicate with me Pursuant 10 15 usc 1692c. By them reporting on my consumer report this is communicating with me and is a clear violation of federal law therefore they need to delete this account.
I think they are trying to manipulating the statute of limitations because they are changing the balance and past due balance of the original amount every other month and they are reporting the payment status as 120 days late when be default collections are past due.
I have never Given 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
|
| 09/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The XXXX XXXX XXXX company sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call.
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me.
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information.
The resolution I am seeking is for this scam to be shut down.
|
| 09/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Asset Acceptance debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged XXXX XXXX XXXX credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work.
Asset insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end.
The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from Asset Acceptance, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive Asset Acceptance phone calls.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMEN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have disputed the debt shown by them on my credit report. After asking for a method of verification in which they have not responded to the bureaus request they have contacted current and previous landlords. They have also sent a letter requesting information on me from an attorney 's office as they have not verified the debts as accurate and mine.
The letter also shows my name as inaccurate as my name and only name is XXXX XXXX XXXX.
It is the law that this company reports this information accurately on my credit profile. In this instance this information has NOT BEEN VERIFIED, nor is it being ACCURATELY REPORTED.
Midland Funding has not been able to verify this alleged debt, the attorneys office does not state who they are working on behalf of, and Midland company is reporting this information on my credit profile without proper verification.
This is a VIOLATION and I expect this erroneous information to be DELETED from my Credit profile with your company.
Please see the letter I received from the attorneys office and the letter that I sent for verification of the debt.
Please send an updated copy of my credit report after you have made the appropriate changes.
|
| 03/13/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
Servicemember |
|
I asked for the full verification of this account and the company removed it and then put it back on a week later without giving me verification I called the company back and they keep giving me the run around. I told the company I was asking under the Fair Debt collection Practices Act and what I was told was they do n't have to give us anything but a bill they sent me from their company but we never dealt with their company which is midland credit company. I am waiting for a manager now. XXXX XXXX who is the manager had no information about the account and gave me more of the run around the company will not comply with the Fair Debt Collection Practices Act. I 'm now talking to XXXX XXXX ( id # ) XXXX and asked for information under Fair Debt Collection Practices Act was told he does not have the contracts to show me and does not have to have the contract. XXXX XXXX ( Id # XXXX ) she told me they can add money to the debt. the debt is XXXX but midland reported XXXX. XXXX XXXX ( id XXXX ) he does n't no you cant report interest. he also said just a bill was complaint with the Fair Debt Collection Practices Act law they sent me a bill and he said that 's all he 's required to.
|
| 02/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Midland Credit Management XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Midland Credit Management Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
|
| 07/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I know that XXXX is medical billing credit card. However, I do not know what services were provided, when services were provided or to whom services were provided.
Midland Funding has NOT to date sent me any and all monthly billing statements for my review.
Midland has NOT to date sent me any and all information to review that proves that this debt is mine.
Midland has reported inconsistent and incomplete information on my XXXX credit file regarding this account.
Please tell me what services were provided to the individual on this account to bring the total to current amount.
Please tell me when this account was opened, the payment history and what is the date of the first missed payment.
Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine.
Please provide documentation that shows Midland is authorized to collect this debt.
If this information can not be provided for my review, this account should not be reporting on my XXXX credit file. Failure to provide me this information is a violation of my rights.
Please either provide the information that I have requested or immediately have this account deleted.
|
| 08/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Had previously set up a payment plan with a withdrawal out of our joint checking account. A year later they claimed I still owed on the debt full amount. When I was contacted I was driving and told them numerous times I did not have the information in front of me. A month later, I received a notice from my bank stating they froze the joint bank account until the amount of {$260.00} was paid to close the debt. Then after waiting two weeks for them to unfreeze out XXXX account, I received a letter still stating we owed the full {$3400.00}. Also, this debt is from 2009. In their letter, it states that they can not sue me or persue me for the amount because of the age of the debt but can continue reporting it on our credit report.
The debt has been paid. But they misled me on the phone saying I owed the entire amount and never told me it was only {$260.00} that was left. Also by freezing my bank account it caused us numerous hardship because we had bills scheduled to be paid automatically.
Legally they were not allowed to collect the debt due to the age.
Do n't get me wrong, I 'm glad we do n't owe them anything but I do n't believe they were allowed to do it the way they did.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please note that I am the author of this complaint and all attachments.
The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.
The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I've contacted all 3 credit bureaus. I'm extremely upset with how XXXX and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with XXXX of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score.
Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt.
The debt collectors was Midland Funding, XXXX XXXX, and XXXX.
Midland Funding sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.
|
| 11/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 a summons to appear in court for a alleged debt from XXXX XXXX XXXX was found on my front porch, I had never received a bill from this company allowing me to request verification so I then requested validation of this debt via telephone as well as in writing. In return, on XX/XX/2018 I received a package addressed to me with someone elses personal information inside. I then wrote to the company telling them they violated someone else privacy and failed to send me the information that I requested in my name. I also included that I did not want them to handle any accounts of mine due to the untrustworthiness of the company in handling personal information. Whos to say that my personal information was not mailed to the persons information I received? On XX/XX/XXXX, the company sent me billing statements and a but failed to send me the original contract with my signature accepting the line of credit. This company has failed to send me everything I asked for in my request of verification including original line of credit limit, a contract with my signature accepting the alleged debt, and permission from the original creditor allowing them to collect on a debt in SC.
|
| 04/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received a letter from Midland on XXXX / XXXX / XXXX and asked them to validate an old cc collection that they stated I was owed. I had previously asked for validation before and all I received was a statement on XXXX / XXXX / XXXX . I proceeded to send a debt validation letter on XXXX / XXXX / XXXX that asked them to tell me what the money I owed was for, to show me how they calculated what I owed, to give me copies of any paperwork that showed I agreed to pay them what I owed, to give me copies of any contract that I had with them that contained my signature stating what I owed, to show me that they were licensed to collect in TN, and to stop contacting me regarding this issue until I received all of the above information. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt that they say I owe. I requested proof that I am indeed the party that Midland is requesting to pay this debt and that there is some contractual obligation that is binding me to pay this debt. The request for validation is made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Being that Midland did not respond, they are in violation of the FDCPA.
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midland Credit Management , Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety.
This was a XXXX XXXX account. It was a business debt, XXXXXXXX XXXX never produced a signed contract, it was not labile. Also, the account is being re-aged. I DEMAND : THE DEBT BE FORGIVEN AND THAT MIDLAND SENDS A RELEASE OF LIABILITY TO MY EMAIL.
Account information below : Account number : XXXX, date Opened : XX/XX/2020, credit Limit : {$2000.00}, original creditor : XXXX XXXX XXXX XXXX XXXX
I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Re-aging account Reporting account without a signed contract with original creditor. Negligence Unfair business practices Based on all the damages and violations that I have been through I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports and a release of liability.
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I owe money on a XXXX XXXX revolving account ( XXXX XXXX Card ). Covid hit and I had trouble paying it off. That being said the debt was sold to Midland Credit Management. Midland started to call me every day harassing me. From there I decided to set up a payment arrangement to pay off the debt over time at affordable payments. Unfortunately midland tried to scam me out of extra money. What I was told is all payments would be used to pay down the amount owed. But upon reviewing the agreement they sent me, upon laying the initial payment my balance would remain the same. Therefore they tried to get me to agree to something that we did not speak about, and tried to get additional payment from me. I cancelled the agreement after I had reviewed it. From there they threatened to sue me via a third party legal team. Now midland and XXXX XXXX XXXX XXXX third party legal team ) call me daily in regards to said debt. They are now calling family members of mine attempting to collect a list of assets and gather further information from them to use against me. The sad part is I tried to set up the payment arrangement to settle this matter but they tried to scam me for additional money.
|
| 06/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have a unverified account from MIDLAND FUNDING LLC. I have previously disputed this account several times as they have been illegally harassing me for many years at this point. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to immediately remove/delete this account from my credit report with ALL three credit bureaus and stop ALL contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST. This has been going on for far too long and has caused a multitude of stress for me and my family over the years. It needs to stop now!
|
| 06/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.
|
| 02/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.
|
| 02/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
I was served with paperwork in XX/XX/XXXX that I was being sued by XXXX XXXX XXXX for the amount of {$1300.00} for an old credit card account with XXXX XXXX. I was told I had to contact XXXX XXXX to prevent legal action from being taken. I immediately called and set up payments to them, with post dated checks. I made a payment in the amount of {$320.00} to be debited from my account on XX/XX/XXXX, and then {$150.00} on XX/XX/XXXX, XX/XX/XXXX, and then set up for a {$150.00} every month until XX/XX/XXXX, and then in XX/XX/XXXX {$100.00} to be debited and the debt paid in full. I received another notice in the mail on XX/XX/XXXX that a default judgement was entered against me in the amount of {$850.00} when the total I owe is only {$700.00} after these 3 payments have been made! I tried to contact them multiple times to find out why they are continually suing me after I set up a payment agreement with post dated checks, because the second judgement was for an amount less than what I owed in XX/XX/XXXX. I left multiple voicemails asking them to return my calls to discuss why they are continually suing me even though I have set up payments and they will not return my calls.
|
| 03/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDLAND CREDIT MANAGEMENT IS LISTING AN ALLEDGED DEBT ON MY CREDIT AND I DONT HAVE A CONTRACT WITH THEM AT ALL OR KNOW WHO THEY ARE. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law.
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 09/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was tried to re-finance with my XXXX new Toyota Prius with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and told I had been reported {$8400.00} in debt since XXXX, XXXX by Midland Funding LLC XXXX.
I came from XXXX and lived in XXXX XXXX, XXXX XXXX in XXXX, XXXX and moved to XXXX, XXXX XXXX in XXXX, XXXX and had never owed or loaned to anyone when I was in XXXX and my previous credit limit was not allowed to owe or loan that much money when I came.
I tried to call Midland Funding LLC XXXX XXXX XXXX and one of the Salesman told me he ca n't help me unless I hire him as personal agent or pay the full amount in order to get an answer how I owe the money of {$8400.00} with Midland Funding LLC XXXX. I also tried to get more information from him, but he just hang up my phone when I said I need to know the reason why I owed Midland Funding LLC XXXX before paying the money.
Because of the debts in Credit Report system so I ca n't get the car loan with XXXX XXXX XXXX XXXX XXXX. I really need CFPB 's help to find out why I ca n't directly get those information from Midland Funding LLC XXXX company and why there are so many difficulties even though I am the innocent victim.
|
| 06/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Hello, i am reaching out to you because i am being sued by a creditor named Midland Funding LLC, I received a summons from Midland in XXXX of XXXX and answered it. I was given a pre-trial hearing which i attended earlier this morning XX/XX/XXXX. During the hearing the Judge asked me and the Plantiff 's attorney to talk about the case one on one outside before he began. While speaking with Midlands Attorney he asked me what i wanted to do with the account? I advised him the Summons i answered did not have the original creditors name on it or indicate the amount or amount being claimed that i owe, I also asked him if he had record of the last payment made to the original creditor and he advised me the last payment made was in XXXX. I advised the attorney the Statutes of limitations for this debt appears to have expired based on New York State Law. He pretty much acknowledge this but stated he only goes by what he is given to work with? That said, he advised me he would ask the Judge to adjourn the case for 45 to 60 days for discovery, and i agreed. I am reaching out because i feel the Midland is suing even though they may be aware the Statutes of limitations has expired.
|
| 05/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
One year ago ( XX/XX/XXXX ) I started looking at my credit reports to see what was on it to see what needed to be done to get my score up to purchase a home. Upon doing this I came across a account in collection Midland funding LLC prior creditor was XXXX XXXX for {$560.00}. I had no idea what is was or who it was for so I disputed it telling them I didnt know what this was for and wanted it to be validated. They would just respond with a letter that said the account was valid. I disputed it twice. Now this month ( XX/XX/XXXX ) I decided to call XXXX to see if the could tell me more about what it was for since when I tried to find out I didnt get a informative response. The agent at XXXX told me it was for a store credit card, the store was XXXX and the original charges where done in XXXX or XX/XX/XXXX in Missouri. At that time I was actually in XXXX XXXX, Washington where there isnt any XXXX stores so I immediately reported fraud as it wasnt me. I have documentation that proves when I actually flew to WA and ended up residing there until XX/XX/XXXX. Had I taken the time sooner to look into everything on my credit report I would have most certainly reported it sooner.
|
| 05/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account with XXXX XXXX. Went to collections. Midland Credit Management is the collection agency. I paid them in full on XXXX XXXX, XXXX in the amount of {$580.00}. I have sent several dispute letters to the credit agencies because Midland is reporting inaccurately on my credit reports. It says that I failed to pay in XXXX of XXXX and XXXX of XXXX even though it says paid in full with a XXXX balance on the reports. They have tried fixing it but with no positive outcomes. They keep sending letters back that the information is verified. The only other outcome I desire is a removal of MCM off my reports. I have no other obligations with MCM. I am trying to get a mortgage in the next month or 2 so I can provide shelter for my wife and a XXXX we are expecting. XXXX XXXX removed themselves off my credit report for the said paid debt. I do not have time to go back and forth trying to correct a problem I have been trying to fix for the past 6 months. Its getting old and frustrating. When I call, no one can help me. I do not have the money to hire a lawyer and go into litigation with MCM. Its such a simple fix and everything can be resolved and I can go on with my life.
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Upon viewing my credit report in XXXX of 2015, I saw Midland Funding XXXX XXXX was listed on my credit report. They were collecting on a XXXX phone bill that was not my account. I disputed the account with the Credit Reporting Agencies XXXX CRA XXXX. Midland Funding verified with the CRA that the account was being reported accurate and was verified to be my account. I then wrote a certified letter to Midland Funding requesting the documents used to verify, specifically any documents to prove my liability for the account as well as proof of any payments made on the account from my financial institution. In response, Midland sent me a false statement created by them, made to look like a real statement with my name and address to serve as proof of my liability. They were not able to send any signed agreements or contracts nor were they able to show any previous payments made by myself on this account. Midland Funding is participating in illegal debt collection which is punishable by law. As a final resolution and to prevent future court proceedings, I am requesting proper debt validation to show my liability for the account or the account be removed from my credit report.
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from XXXX XXXX in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to Midland Funding. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky Court House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time.
XXXX XXXX
|