Date Received: 2023-05-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My debt is to XXXX I gave notice to cancel service in XX/XX/2021. They continued to charge me. We all know one may not continue service, we would be disconnected after a month of non payment. The hardware was not working, which I gave them notice but they continually charged me. Apparently 2 months after I moved I was charged installation fees as well. I was pretty much homeless. I moved my address to a relatives so I could receive mail XX/XX/2021. Midland Credit has simply refused to acknowledge my calls. I will not give my social security number for the sake of security. They ( several employees ) refuse to work with me after I've given them the account XXXX XXXXXXXX. This is ridiculous, at best. I've tried to reason, as I think, possibly, the new tenants may have used my name to continue service. Now, my wages are being garnished for equipment that is out dated and didn't work and the account should have been closed months prior. I'm willing to agree to {$250.00} for the services I MAY have owed but no more. I'm being financially XXXX. Midland credit management is a disgrace. If they were a reputable company they would have sent the information I had asked for.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is no legal contract or agreement between My all caps Name and This Company, I requested a Validation of this debt but they failed to provide, all I received was a bank statement for the 2nd time. 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 ) Last attempt to solve this matter 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.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: calls from Midland fuding LLC different numbers all times of the day. spam mail I also asked for original documents from from original creditor and was not given one. I need this off my credit report asap
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. Midland funding is actively and aggressively making attempts to collect this debt, in direct violation of state law. Please Remove this inaccurate account in it's entirety ASAP per FCRA.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management is harassing me with repetitive phone calls even after asked to stop. They have called me almost everyday since XX/XX/2023, but always from an unknown/private number. The first phone call was answered on XXXX at XXXX. Advised the representative to mail documents pertaining to the debt in question be sent to the address listed on the account and not to call me again. I then received calls on : XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX and XXXX. I answered the second call on XX/XX/2023 and spoke with XXXX. I advised him that what they were doing was harassment. I had already spoken to prior representatives and told them to mail the documentation and to stop calling me. I also advised that the repetitive calls were illegal and I would be filing a complaint.
Company Response:
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management filed a small claim lawsuit against me for an account that was allegedly purchased from XXXX XXXX. On XX/XX/XXXX I received a summons to appear in court for a Pre-trial conference on XX/XX/XXXX via XXXX in which I did. At this hearing, a mediation date was given for XX/XX/XXXX, again via XXXX. I attended this hearing as well and requested that I receive validation of the claims. I never received any of the information in which I requested to receive. I have since learned, ( XX/XX/XXXX ) that a garnishment has been issued. Upon reviewing the information received from my employer, it has been discovered that all ( excluding summons ) court dates were sent to an address in which I had not resided at in almost 20 years. It is with great concern that this was a deceptive practice as summons was served at my correct address.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I contacted Midland Credit Management in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, Midland Credit Management nor XXXX XXXX XXXX. XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXXXXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, Midland Credit Management, or any factoring company. In addition, I also sent a copies of these letters to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have provided proof many times that I was out of the country and an unknown third party took out many accounts in my name without my knowledge or consent. Despite this, Midland Credit Management illegally posted an old account that does not belong to me on my credit again to attempt to extort money from me.
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX received notice of a debt. On XX/XX/XXXX sent demand for validation and proof of claim. On XX/XX/XXXX they sent the same notice. The debt was not validated. on XX/XX/XXXX and XX/XX/XXXX, they continued to send notice to collect the debt without validation. On XX/XX/XXXX, I sent second demand of validation and proof of claim. Both times they were given 30 days. On XX/XX/XXXX they sent the same notice. On XX/XX/XXXX I sent a Notice of Fault and Opportunity to Cure. The sent the same notice on XX/XX/XXXX. On XX/XX/XXXX I sent an Affidavit of Notice of Default. On XX/XX/XXXX they sent the same notice that included statements from XXXX XXXX. The law states they can not use statements to validate a debt. They NEVER validated the debt. However, on XX/XX/XXXX, they furnished my credit report with a collection without my permission. I also provided them with evidence that I and the Secured Party Creditor and they totally ignore it. I also own the copyrights to the name and they continue to use it without my permission.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A