Date Received: 2023-02-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: REPEATED PHONE CALLS MULTIPLE TIMES A DAY, ACCORDING TO XXXX MIDLAND FUNDING LLC ISN'T LEGAL AUTHORIZED TO CONDUCT BUSINESS IN THE STATE OF GEORGIA.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This is not my account never applied or consent for this to be open it is open by fraud
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been trying to dispute this debt that I have nothing to do with for the past 5 yrs. I have spoken to the collections company and asked them to verify that the debt is mine, but none was ever sent, all I get is these annoying phone calls from them and it's on my credit report. I would like it removed from my record. If you look at my report I am only acknowledging my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX thats it!. And all of them are in good standing and no problems. I have disputed this debt using XXXX 2 times because when I call the collection company to ask for proof i get nothing. I would like to have this debt removed. I don't know if this has something to do or done by the same individuals that emptied out my bank account back in 2008 or something I don't recall the date but it's with XXXX XXXX XXXX XXXX XXXX. The bank acknowledge fault and refunded my money because of a breach or leak of information, I am not aware or was informed on how it happened. But since then I closed that account and rarely use my credit card. Please Help
Company Response:
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from midland credit managment with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with XXXX before this went to collections but got the run around tried to make a payment but was told numerous time by XXXX not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have TWO accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I, XXXX XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC. 1692g ( b ), give notice that : 1. The debt, or a portion thereof, is disputed. 2. The Consumer requests verification of the debt. 3. The Consumer requests the name and address of the original creditor. 4. The Consumer requests validation of the debt, to wit, the chain of title to the debt and a history of charges and payments thereon. I have disputed this account previously and received a written response that the account was under investigation as a result of my dispute. However, it does not reflect the ACCOUNT INFORMATION FOUND ON CONSUMER REPORT I also have a recorded transcript in which the Debt collector threatened me and continued to interrogate me although I told her she was causing me stress and anxiety.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The amount of debt of {$4200.00} is not accurate. The company, Midland Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I don't know this company or signed a contract or agreement with this company ... company needs to show proof with my wet signature.. company needs to show payment history and none payment history.. company needs to show original Contract and proof of ownership for authorization to collect from XXXX XXXX
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have contacted MIDLAND CREDIT MANAGEMENT many times trying to get this debt removed thats bringing down my credit badly. They have failed to respond and I would like that debt removed off my credit.The credit amount is false and I never took out credit with this company.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive contacted Midland Funding, LLC multiple times, asking for documents regarding the money they are saying i owe them. They keep requesting i pay them without telling who they are or why they are charging me this money.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A