Date Received: 2023-03-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: So this goes back to XX/XX/2022 I received a letter in the mail that they were gon na take me to court and sue me if I did not pay debt by the end of the month. I waited till the end they didnt take action they just kept calling me and harassing me I have screen shots of the numbers they have many phone numbers. Midland credit XXXX is the name of the company. So they never sued me it was just a threat come XXXX I got tired of the harassing phone calls so I was contacted by Two different Numbers the same day by midland credit I have a XXXX so it says midland credit and then the number XXXX XXXX I have them screenshot and also in my notes I wrote down XX/XX/XXXX at around XXXX XXXX I was contacted by midland I told them that I wanted a debt validation letter and they said they didnt wan na go that route, they want me To pay in a payment plan, I said XXXX no we wont go the route you want we are going the route I want and she got upset they told me they were audio recording my call so I know they got that on file well after that I didnt receive a letter 30 days latter I waited and waited till pass three months and now I receive a letter again in the mail for a payment plan that I could do payments as low as XXXX $ a month and have till XX/XX/XXXX to respond honestly I am so frustrated and cant be in peace that they are after me for a debt that they can not validate on me if I have to I will sue them For reals for harassment and playing with my rights this is abuse and I hope you guys cant do something about it I have a lot of photo evidence against midland credit XXXX they are a bunch of rats I have paperwork from up to a year ago they can not really provide validation only the bought information
Company Response:
State: WA
Zip: 98296
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was affected by the pandemic for a couple years from XX/XX/XXXX through XX/XX/XXXX. I was unemployed for the first time ever during that period because of the pandemic. Now I'm attempting to repair my credit and in doing so I noticed a creditor popped up on my credit report. Midland Credit MANAGEMENT. XXXX XXXX XXXX. XXXX XXXX, California XXXX. XXXX. This debt is being reported as if it is something recent. It was reported in XX/XX/XXXX which shows on my credit report. I told the Creditor that I was not familiar with this and I believe that if it is something that I owe or owed in the past, that is something very old likely over 7 years old. Note that this has not ever been on my credit and is just showing up. I believe that they are misrepresenting by reporting this as a recent debt. I am in the process of disputing this but wanted to report this as a tactic that this company is using by reporting false information.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection that reports as open on my credit a collection cant be a open account. Also I do not owe any collections to anyone. I request this company to delete this account from my credit reports asap
Company Response:
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection that reports as open on my credit a collection cant be a open account. Also I do not owe any collections to anyone. I request this company to delete this account from my credit reports asap
Company Response:
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX XXXX credit card. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.
Company Response:
State: CO
Zip: 80127
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I am writing to dispute an item on my credit report. The item in question is a debt of {$880.00} from an original creditor called XXXXXXXX XXXX that was turned over to Midland Credit Management Services. I have no information or recollection of this debt owed to XXXXXXXX XXXX and I have not received any communication from them regarding this debt. To my knowledge, I have never had any business or financial relationship with XXXX XXXX Furthermore, I have reason to believe that Midland Credit Management Services has acted inappropriately regarding this debt. Not only did they send false lawsuit letters to my house, but they also made false statements to my county tax department. In addition to these false communications, a representative of Midland Credit Management Services made a false claim that he served my wife at our residence before filing a lien on my property at my county office building. It is my understanding that Midland Credit Management Services has a history of using these types of tactics. I am requesting immediate assistance in resolving this matter. I have already contacted Midland Credit Management Services to dispute this debt, but I have not received a satisfactory response. I ask that this issue be resolved as soon as possible, and that the item in question be removed from my credit report.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally 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 ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. Each fraudulent act has been reported to the XXXX as a complaint against all rogue actors as well
Company Response:
State: MI
Zip: 49444
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this debt collection agency the amount of {$970.00}. It is on my credit report illegally because there is no written contract or written notice that validates the debt that I supposedly owe Midland Funding LLC. I would like to request that this is removed from my credit report.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Repeated phone calls for debt collection when I have no debt whatsoever
Company Response:
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They send me a Warrant in debt in the mail and threaten to take me to court, I have a court date already issue to me XX/XX/2023 and they went further and issue me a warrant document of debt to my house. Midland Credit Management
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A