Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 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.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g I request that you provide to me verification of this alleged debt verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter have first-hand knowledge and must be notarized.Since this debt disputed pursuant to the fair credit 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 Herby inform you that you do not have my consent to communicate with me through any medium. Furthermore I do not consent to you having any of 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 sgencies
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: scam collection place on debt I dont owe and they are not legal to collect.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management Inc/ XXXX XXXX XXXX /started lawsuit without prior notification- despite denial of debt existence. XXXX purchases writed off credit card debt for XXXX cents on dollar and on basis of shody evidence initiated lawsuit. Theirs business model is utilization of taxpayed courts to obtain default judgement, followed by utilization of sheriff office to satisfy default judgement. Contract have arbitration clause and should not be subject to court. Starting lawsuit cost Midland credit management $ XXXX {$200.00} Arbitration cost is {$5000.00} paid by junk debt buyer
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I opened up this original line of credit at or about XXXX from the original creditor XXXX XX/XX/XXXXdba XXXX XXXX. I opened it as the XXXX of a California XXXX called XXXX XXXX XXXX, not as an individual. My corporation settled the debt with XXXX credit in the middle of XXXX for 50 % of the original amount for approximately {$18000.00}. The debt buyer, Midland Credit Management, bought an invalid debt.
Company Response:
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: 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.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: 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.
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: 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???
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A