Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This card was opened in my name and I had no knowledge of it at all
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I had a XXXX XXXX credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with XXXX and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them because the harassment has to end. This complaint is pointed toward Midland Credit Management.. All details and correspondence are attached to this complaint. I have no business or obligation to this company and the abuse has to end. I have attached a letter displaying a full detailed timeline and events that took place. I have been so stressed and I wake up with anxiety headaches in reference to their harassment.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Accounts Account Name : Midland credit managem Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: My complaint is against Midland collection agency collecting for a debt for ( XXXX XXXX i used impersonate because midland isnt the one i might have this debt with, and how did midland take control of this debt how was it purchased im asking for the contract between midland collections and XXXX XXXXXXXX making midland the owner of this account and how can midland collect on an account they never were a part of, and give them the rights to report there involvement to the three main credit reporting agencys and reporting it as a new account a account they never owned 15usc1681 reporting act. Its greed in violation of my consumer rights and each violation come a fine of {$1000.00}
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Was threatened to be sued in court. Multiple calls made during midnight, ( Hawaii Time ). They are trying to collect By someone who could have stolen my identity. The name of the person they are trying to collect on debt on is shown as : XXXX XXXX. My full legal name is : XXXX XXXX XXXX is also not the same per documents that were given by debt collector. They are also Illegally collecting interest and frequently reporting the change in amount every single month on my credit which harms my credit score every single month!!
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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: Hello : MRC Receivables CORP sent me a later stating I owe money from a old debt back in 2005. XXXX XXXX, 2005, MRC Receivables CORP. Court costs {$2900.00} Failure to comply will result in arrest. It is a violation of the Fair Debt Collection Practice Act for a debt collector to sue me or threaten to sue me if it knows the statute of limitations has passed. The statute of limitations has passed and this file has been deleted from my credit report.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A