Date Received: 2023-05-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The man called 6 times today and left messages after Ive asked them to stop. He calls constantly. The business name he leaves is MCM.
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent certified mail for the company to verify the debt, verify they are legally able to collect the debt. They failed to send any verifiable information with my legal signature. They only sent a downloaded copy of one of my mailed bills
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management , Inc has violated my consumer rights and I have proof of these violations. Reporting invalidated information to XXXX, XXXX, or XXXX may constitute fraud under federal and state laws. I will be filing a complaint to the FTC, my state attorney general, as well as reporting identity theft. You have stolen my nonpublic personal information and violated my right to privacy. I do not consent to my information being used. You can not lawfully purchase my personal information. I am under no legal obligation as a consumer to pay you for an alleged debt. Below is a list of violations of my consumer rights. This alleged debt was not validated according to my rights as consumer found in 15 usc 1692g. I am the original creditor, a natural person who can extend credit. Not a corporation. It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. You violated this law. 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. Violation of 15 usc 1692b ( 5 ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Violation of 15 usc 1692j ( a ). The false representation or implication that any individual is an attorney or that any communication is from an attorney. Violation of 15 usc 1692e ( 3 ). Multiple FDCPA violations including, 15 usc 1692e ( 2 ), 15 usc 1692e ( 10 ), 15 usc 1692c, 15 usc 1692b ( 3 ), 15 usc 1692e ( a ), 15 usc 1692d, 15 usc 1692b. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( a ) ( 2 ) ( a ). My federally protected consumer rights have been violated on multiple occasions and my character has been defamed. As you can see by the dates and the note at the bottom of each letter, I have already mailed certified, a cease and desist letter and Midland Credit Management Inc. have continued to send threatening debt collection letters multiple times after. I request this account and all comments be removed from my consumer credit report immediately.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received multiple calls form this company, provided my name and asked what the call was in regards to. They request that I provide information DOB or last 4 of social security number, so I disconnect the call. I received an email stated they will take me to court and sue me if I do not pay by XX/XX/XXXX. I tired through their site and chat to have information mailed to me and they require me to provide my information again and I refused, so they said they cant help me. I call and spoke to two reps who request I provide information asked for a supervisor and he asked for me to confirm the information he had on file. He provided my information and I confirmed that was correct information for me but was unaware of the debt. I asked for him to send the information in the mail to the address he had on file and to include the original contract and itemization. The supervisor XXXX refused and said he does not have to provide that information to me but as a courtesy I can view it in their website. I informed the site requires me to accept their terms and I do not feel comfortable doing that. The supervisor stated that is the only way and they will not mail me the information.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland credit management has ignored my disputes and my FTC identity theft report, and for months has had a fraudulent derogatory collection they are reporting and it has crippled me and my family. Ive faxed over the identity theft report, Ive spoke with some very unfriendly agent, Ive disputed online. This {$850.00} collection has hurt my credit score big time and enough is enough. This is my final attempt to try to get them to follow consumer laws before I file charges against them. Ive warned them, Ive quoted FCRA, and they think the laws do not apply to them. Either show me the original contract that i signed with midland credit management, or IMMEDIATELY REMOVE this harmful unjust collection from my report. Even after sending identity theft report you do nothing, and I wont tolerate it any longer
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from Midland Credit Management and I responded to the letter via chat and their online dispute portal. I had to respond by XX/XX/XXXX, which I did. I requested several pieces of documentation to help me fully verify the alleged debt and help me determine their authority to collect on said alleged debt. I sent them the following online request on their dispute portal : I am requesting : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. XXXX XXXX I only received partial information back by mail. I would like to receive full the verification as requested for the two alleged accounts. Currently, the accounts are not on my credit report. I am requesting to receive the requested information so that I can make the most informed decision or Midland Credit Management needs to delete this account from their records. I feel the information I am asking is valid and acceptable under the FDCPA and I feel what I was sent they are denying me or proving they do not have the authority to collect on this alleged debt. I attached a copy of what I actually received.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is ridiculous! Midland funding is trying to sue me for a debt that doesn't even belong to me. This is a fraudulent lawsuit and they shouldn't be able to treat consumers like this. They submitted 2 exhibits to the courts that were copies of invoices. First of all, that's not even a form of debt validation. Secondly, the CFPB has addressed them about fraudulent lawsuits so why do they keep doing this to consumers. This is abusive behavior and they are misleading the court system with false information and it's a violation of the FDCPA! This lawsuit needs to be dropped immediately! I am requesting that they provide the following information : Please provide the following information XXXX. Name and address XXXX. Name on file of alleged debtor XXXX. Alleged account # XXXX. Address on file for alleged debtor XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Dates ( this alleged debt became payable ) XXXX. Date of original charges or delinquency XXXX. Was this debt assigned to a debt collector or purchased? XXXX. Amount paid if debt was purchased. XXXX. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grant Midland Funding the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. - All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Midland funding, in case legal action becomes necessary : Authorized Signatures of Creditor : _________________ Date : ______________
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: after reviewing my credit profile I discovered a discrepancy on my credit profile listed under midland credit management with the account number being XXXX validation of this debt has been requested on several different ocasssions and to no avail I first requested debt validation on XXXX of 2022 then I requested it again on XXXX XXXX 2022 this account is still showing up on my credit report and it has not been validated or updated do not belong to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. my most recent attempt to get this debt validate was on XX/XX/XXXX and I still haven't received any debt validation yet and I sent them all certified and enclosed is a copy of my latest attempt to get this debt validated.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern, Re : XXXX XXXX XXXX, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They have failed to VALIDATE ANY DEBT
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A