Date Received: 2023-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt was already resolved before and you guys never provided me with the original agreement with my wet signature as requested. You guy go against the Fair Debt Collection Practices Act
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: MIDLAND CREDIT MANAGEMENT FILED A LAWSUIT AGAINST ME IN THE XXXX DISTRICT COURT IN XXXX XXXX MICHIGAN ( CITY OF XXXX ) FOR {$1900.00}. I have NEVER had an account with Midland Credit Management and I have never received any notification or correspondence from MIDLAND CREDIT MANAGEMENT until a court server served me lawsuit paperwork stating that I owe them nearly XXXX XXXX dollars. I have submitted a response ( answer ) to the XXXX district court as well as a written answer has been sent via certified mail to midland credit managements lawyers XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX, stating that I do not owe said debt and have never received any correspondence from Midland Credit in regards to the debt and I have never held an account with them. Upon filing my answer with XXXX district court I was informed by the COURT CLERK that MIDLAND ATTEMPTED To swindle me by using an old case number for the documents they sent me of XXXX ( WHICH that case WAS DISMISSED IN MY FAVOR- to have me think that an ANSWER reply was not needed which would have then automatically given them a default judgment ) - the correct and new case is XXXX- which is the case that had I not filed an answer I would have been forced to pay a debt I do not owe- I am claiming that midland is practicing and attempting to collect an illegal debt as well as they have illegally placed a collection account on my credit reports via XXXX, XXXX, And XXXX which has caused my credit scores to plummet as well as this lawsuit has caused emotional and financial distress. Under the Fair Debt Collection Practices Act ( " the FDCPA '' or " the Act '' ), 15 U.S.C. 1692et seq ) Midland Credit Management is violating my rights as a consumer due to me not receiving proper notification of owing any said debt, not being allowed to dispute said debt, not being allowed to request their licenses and documentation showing if they can collect debts in the State of Michigan, as well as by placing a frivolous collection account on my credit reports and lastly filing a lawsuit in an attempt to collect on said debt.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company started contacting me in XXXX in which they would call multiple times a day 4-6 at least on various numbers on everyday of the week. Their phone calls left me in tears on numerous actions due to the never ending harassment despite attempting to resolve the matter. Thus sending me in emotional distress due to their manipulative practices. I informed them that I lost my job due to the federal shut downs of COVID as the tanning salon I worked at was closed due to Governor XXXX mandate. Additionally leading to the store closing therefore I was on a limited income and could not consent to a payment plan at the time. They were relentless in their harassment. They contacted my grandfather XXXX XXXX as well as my XXXX XXXX XXXX various times as well revealing my debt owed and attempting to solicit my information. They were informed multiple times to stop calling by both my grandfather and aunt as the matter did not relate to them. They coerced me into a payment plan threatening to sue me if I did not consent to a payment plan. They would claim the accounts were in different departments transferring me numerous times leading to hour long phone calls trying to resolve the matter. Despite suggesting in their mailed communications and on their website that they will work out budget repayment plans and work around hardships this has been quite the contrary. They forced me into a payment for two accounts beginning in XX/XX/XXXX in which they received payments from me until XX/XX/XXXX. The are falsely reporting my balance to the credit unions which is impacting my credit score preventing me from finding some where to live. They are also falsifying the balance in a claim to XXXX XXXX XXXX XXXX. I had a starting balance on account Midland Credit Management XXXX XXXX XXXX XXXX of {$810.00} however I have made payments from XXXX and the balance should be at {$360.00}. I have another Midland Credit Management account # XXXX the balance started at {$1400.00} however there were payments made from XXXX and the balance should have been reduced to {$860.00}. I have attempted to communicate with employees such as XXXX XXXX and XXXX at midland as well as countless others who have been complete rude, belittling, and deceptive. They attempted to deny the multiple payments despite myself previously receiving payment plan contracts in email and paper coupled with my bank records showing their payments were taken out. This company falsely claims to work to resolve the debt yet they do not reduce the amount report to credit unions and try to pursue legal actions despite receiving payments. This combined with the never ending harassment of myself and my family members is completely unacceptable and a violation of protection laws. This company is the only company I have issued resolving my debt with. I have filed a dispute with the credit reporting agencies regarding my credit report. I am concerned that the company will continue to harass me and pursue legal action despite my attempts to resolve the debt. Even if I pay them the full amount I am concerned they will attempt to falsify information and continue this harassment as this has been going on for 3 years the company still is not telling the truth, falsely reporting balances, and harassing me by means of fear through threats to sue me. The company falsely suggests consumers can work through their website however no contact information can be updated. When payment plans are updated through the portal the following payment ends up not being pulled despite a confirmation popping up. They falsely state on the phone and through mail communications that their website may be used to manage the account however it does not list all of the payments that are made and while having a tab for Mcm documents there are never any files uploaded for receipts of payment, communications between debt collector/consumer, etc. in attempt to hide if the consumer did in fact attempt to resolve the debt. The only documents listed on their site are from the original creditor this making it appear as if the consumer never attempted to resolve the account. XXXX XXXX XXXX informed me as well that to dispute the balance I would have to cancel any payment plans therefore leaving it to appear as if I have not paid or am not attempting to resolve the debt.
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Under duress and extortion from Midland funding, the company agents threatened to take my disability income and social security income and told me i have to ACH funds automatically to avoid my social security and disability from taken away from me. I just read that it is illegal what midland threats and extortions. I have been suffering from XXXX XXXX XXXX and sadness. I cant afford to pay my necessity bills as that {$100.00} is ACH. Please help me as they took so much money from me over {$900.00} already. thru duress. I am so so sad. The bill is in my husband 's name XXXX XXXX and I attached the evidence.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : MIDLAND CREDIT Original Creditor : XXXX XXXX balance {$1700.00} I am not liable for this debt and I do not have a contract with : Company : MIDLAND CREDIT Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent MIDLAND CREDIT. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland Credit Management Inc sued me on XX/XX/XXXX about a credit card where the last payment was made in XX/XX/XXXX. The statue of limitation for Utah is 4 years. I am living solely on VA XXXX benefits.
Company Response:
State: UT
Zip: 84721
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit. Attached police report below of legal proof I didnt open those accounts.
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Funding won lawsuit against me for not showing up in Court. My original Debt to comenity bank was for less than 3,000 dollars. They sold the debt to Midland Funding. They kept adding interest and fees where my debt became over 12,000 dollars. They started garnishment of my wages, but still adding a high interest rate. I tried calling them on XX/XX/2023 to ask why my debt keeps going up when I'm paying my debt, am I still incurring interest? The woman started scolding me that I'm not paying anything and that I'm basically scum, the court is paying them. I just thanked the lady, wished her a good day. I'm paying 30 % of my wages to them and incurring extra interest is punitive.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i never did business with this company and furnishing false reports about me and they violated my right to privacy Your company shared statements as evidence and a copy of a consumer contract as evidence of the debt, but as per judgement with Pacific Concrete F.C.U vs. Kaunanoe, a copy of the consumer contract is not sufficient evidence of the debt. I demand you have original signed documentation of the alleged contract or signed credit card statements you also need, and competent fact witness to attest to the validity of the alleged debt.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2021 a collections agency collected a debt that was in dispute of {$460.00}, breaking these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1592C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A