Date Received: 2023-06-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name in XXXX. I havent used a credit card since XXXX.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I tried calling the company in XX/XX/ to let them know I did not open this account in my name.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is offending on my credit report & is not mine
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 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.
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Midland Credit Management send information by XXXX stating that they were going to take me to court on one account and served me paperwork on another account. I didnt purchase anything from this company.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management has called me repeatedly using " No Caller ID '' after I have asked them to stop contacting me, they call and even though my identity was never verified they assured me they " knew who I was '' and the debt they are claiming I, the person who never verified their identity, " would be taken care of '' whether I verified myself or not. I have received calls at XXXXXXXX XXXX and every hour or so after that from No Caller ID, the man on the phone admitted to doing this but said he " changed his number recently '' and couldn't help that it came up as No Caller ID. The number he gave me, when XXXX, comes up as being fraud and a scam on every link visible on XXXX. I am unaware of any debt I " owe '' and have never received any Debt Verification Letter.
Company Response:
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company called Midland has called me numerous times. I have advised them I do not know them and I don't have a debt with them. This company has placed this incorrect information on my credit report and had someone deliver some court information to a relative at my home when I wasn't there. I do not know this company and do not owe them anything and I feel this is harassment.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 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.
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT has furnished two accounts on my credit report without disclosure, notice, and above all, without expressed written permission from me. All of these are violations of the Fair Credit Reporting Act. This alleged debt is not mine. I dispute the validity and existence of said debts in amount of {$1000.00} and {$4200.00}. I refuse to pay a debt I do not own or owe. I have no knowledge of MIDLAND CREDIT MANAGEMENT. MIDLAND CREDIT MANAGEMENT has furnished deceptive forms and information regarding me to others which is, including but not limited to, Identity Theft, Fraud, Violation of Privacy, all are crimes punishable by civil and/or criminal liability.
Company Response:
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit management. I called the number and XXXX answered phone. I told his company to send me a confirmation of debt. This needs to be wet signatures of all the items they claim I charged. They sent me a bill statement which is not a confirmation of debt. XXXX claims this account was verified by his company. Then I said it was confirmed by who, where, how and by who. Was it confirmed by a lawyer etc. I need the name address and phone number of person. Then I asked if he was based in the United States and he said he was from XXXX. I am verifying he is a independent person who does not understand the rules of United States. This debt is not mine. If all debts are written off for tax purposes and the debt collector buys the debt isnt this double billing?
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A