Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I tired to write Midland Credit Management several times regarding a debt they said I owed. I have asked for the original signed agreement and/or contract from the original creditor to be sent to me. I have also requested them to provide the last statement from the original creditor and have not been supplied that either. They have not done anything but continue to send statements saying I owe XXXX and this number has changed numerous times on my credit reports to XXXX then XXXX several times. Wrote a letter with this request on XXXX and prior times but would need to go through records more to find the additional dates, but with this request I still get statements only.
Company Response:
State: AL
Zip: 36092
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have several accounts that does not belong to me and I need them removed from my credit report. I am listing the accounts below. XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX. MIDLAND FUNDING XXXX {$2200.00} XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX {$0.00}
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attempted numerous times to remove XXXX collections from my credit report with no luck. The accounts are XXXX, XXXX XXXX XXXX XXXX XXXX, and Midland Credit Management .
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have spoken with, on a number of occasions this year as well as the past 2 years to two agencies about their reporting practices. I've asked both Midlan Credit Management and XXXX to STOP REPORTING without my consent. I don't know who they are nor have I agreed to contracting with either company. Furthermore, I haven't given my consent to anyone to share my personal information.
Company Response:
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Notice of Dispute. On XXXX Midland Credit Management defamed my character, slandered my Credit and Invaded my Privacy to all the main Credit reporting agencies and several of the junior credit reporting agencies. I don't have a contract with this company, nor do I owe them any alleged debt they claim to be owed. I have been injured by this company and demand full redress from this unlawful act.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had Consumer loan to fix my XXXX. I paid the entire loan on time, but they erroneously placed a retroactive amount of {$1600.00} on my record. They were automatically debating my checking account and they had the control.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from them stating that they will sue me. I responded asking them to provide the proper documentation proving that the debt is mine. They responded and said the debt is accurate and they are uncertain of what I am disputing. I wrote another letter specifically asking for a substantial proof and I was very clear about asking for my consumer rights of validation of debt. They sent another letter saying that they sent all the proof to the credit bureaus and didn't provide me with anything that I previously asked two times. I also sent a letter to the credit bureaus asking for an investigation and for documentation that proves that account is mine and they didn't send anything just a generic letter stating that the account was verified as accurate. I have attached the two letters I received from them asking for a validation. This shows they are failing to validate their claim and are violating my consumer rights.
Company Response:
State: NV
Zip: 89503
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland credit Management Amount : {$830.00} Opened : XX/XX/2021 I have called to have this removed as this is identity theft.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A