Date Received: 2023-06-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland has used multiple numbers, which includes spam numbers. Calls, after being told to stop contacting me.
Company Response:
State: NC
Zip: 28607
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My check is getting garnished right now, they have already taken out well over {$1000.00} for a debt they claim was over {$900.00} and I asked them to give me the account number that was supposedly mine. It was suppose to be a XXXX Account that I defaulted on and the debt collector who purchased the debt is Midland Funding. I have contacted Midland Funding and requested my account number associated with the debt. The account number they gave me has been verified by XXXX to not even be a XXXX Account number. XXXX has verified my actual account number and said the CURRENT DEBT HOLDER of my account is not even Midland Funding and the actual amount is only {$410.00}. I have already emailed and called Midland Funding and their lawyer who is representing them to request the bill of sale from whoever they purchased the debt from and just anything to verify that this debt even actually belongs to me, they have yet to verify anything.
Company Response:
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I received a lawsuit from Midland stating that I owe them a debt from the original creditor XXXX Bank. The lawsuit included the bill of sale, an affidavit from Midlands legal team, a document from XXXX stating they the documents were accurate. They also included two billing statements absent the transaction history page for me to verify the correct balance owed. I responded to the lawsuit compelling arbitration and to dismiss. Attorneys for Midland then responds stating that arbitration is not mandatory and a suggestion basically. Not only do I not agree with the balance, Im unsure how one part of the contract be binding and another be a suggestion. Midlands attorney then told me that it was my responsibility to initiate arbitration. Ive disputed this balance with XXXX, Midland and the major credit bureaus.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit management MCM XXXX called leaving messages. I am on the do not call list. They are harassing me. Please tell them to cease and desist all contact and calls with my immediately. Contact by mail
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Account opened without my consent. Fraudulent.
Company Response:
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 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.
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made over XXXX dollars in payments, and company refuse to change my balance.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was used to get a credit in XXXX from Midland Credit Management and the XXXX XXXX Department just sent me email about it for the first time XX/XX/XXXX. I was told I'm owing a balance of {$1800.00}, which was used to purchase something from XXXX XXXX XXXX XXXX I called the XXXXXXXX XXXX yesterday and let them know I know nothing about this whole transaction and it's identity theft. I told them know my ex wife may likely be responsible for this without my consent. Just the same way she did during pandemic, which I filed fraud report with bank XXXX XXXX and police, and i have docuuments and case number to each. The agent I spoke with from XXXX Collections Department advised me to report it under federal trading commission and the will also flag it fraud on their side, so proper investigation can be done
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A