Date Received: 2023-02-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ill start by naming an original Debtor, was a XXXX XXXX Bank XXXX. XXXX! It was their credit card that they added a bunch of nonsense fees too and then said in XX/XX/2020 they would not be able to help me pay them I didnt qualify for any fee waivers or covid relief and send it directly to MIDLAND CREDIT company and i am not sure if you ever heard of this company but they dont care who you are what you owe they called already XXXX times this morning and its before noon! Relentlessly! XXXX XXXX credit cards are loaded with illegal add ons and they know it!
Company Response:
State: MI
Zip: 48125
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit management XX/XX/23 threatened me. To take legal actions against me. They call multiple times in a week.
Company Response:
State: NJ
Zip: 07026
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management over the course of the past few years has continually violated my Consumer Rights by illegally reporting incorrect balance information to the credit bureau. They claim I owe them a balance of {$530.00} from an original creditor XXXX XXXX XXXX I have requested validation of the debt on several occasions and have not recieved validation. I have also requested an investigation by the 3 credit bureaus into this debt and they have claimed to have validated the debt. Midland has been illegally raising and lowering the balance by {$1.00} without any payment or interest charges being made to intentionally harm my credit and force a payment from me. I contacted Midland credit management back in XXXX over the phone and spoke with a supervisor which claimed the credit bureaus were the ones raising and lowering the balance. I also was in touch with the Credit bureaus which also denied any responsibility in the raising and lower of this collection account. This is a violation according to my FCRA rights and I would like this to be deleted from my credit report or else I will be looking to sue Midland and the 3 credit bureaus.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There should be one reference number but I was informed there are two reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser. It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor. Where is the original account with my signature so I can view it for myself?? This is hearsay and validation has not been provided. I continue to request validation of this account and I have yet to receive it. Furthermore this alleged account has already been deleted from my credit file through XXXX. As I looked further, I see the other two credit reporting agencies are still reporting the alleged account. The reason they are still being reported on the other two is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. Midland has not validated this alleged account and can not continue to report inaccurate and inconsistent information. I am submitting exhibits to show that Midland did not report accurately and consistently. You will also see " terms frequency '' is inconsistent between the three major reporting agencies. The " loan type '' is inconsistent. I see that this alleged account is being reported as closed and as a collection across all three major credit reporting agencies. It should report the same all across the agencies. I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported. I am requesting that Midland be removed from the two remaining major credit reporting agencies immediately!
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive calls from " Midland Credit '' once to twice a day, at least 2 to 4 times a week. I always screen the call or let it go to voicemail, but they never leave a voicemail or respond to my screen. They have called from these numbers the last 4 times they have called this year : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am sure they use different numbers every time they call.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Violation of XXXX on XX/XX/23 and XX/XX/23, incoming calls from Midland Credit at XXXX and XXXX. Company has confirmed my phone number was on file and associated to an unknown XXXX party through previous conplaint however said the calls were not made despite my phone number on file and attached screenshots with the merchant name and phone number. Refused to disclose business name, refused to answer return call. Image attached includes call record of MIDLAND CREDIT at phone # XXXX with call times and dates as previously listed.
Company Response:
State: OR
Zip: 97225
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a notice from Midland Credit Management on XX/XX/2023. On XX/XX/2023 I sent a letter with tracking number for them to cease any further contact with me. I also informed them the original creditor, XXXX XXXX charged off the account and according to my credit report it is showing a XXXX balance. I also told them they do not have a legal binding contract with me ; therefore the debt is no longer owed because the original creditor has charged off the amount owed I no longer owe the debt. On XX/XX/2023 I received a missed call from Midland Credit Management at XXXX violating my request to cease all contact with XXXX
Company Response:
State: WA
Zip: 98604
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934. c. an adverse claim found at UCC 8-105 ( b ). d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING. e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation. f. violationof18USC1956 - Laundering of monetary instruments. g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity. h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements. 1. violation of Truth and Lending Act Section 1640 ( h ). J. violations is Anti-trust laws. k. violation of the Uniform Deceptive Trade Practices Act. 1. violations in bank fraud. m. violations in wire fraud. n. violation of the Consumer Credit Cost Disclosure Act. o. violation of False Advertising. 15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. ( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt. 15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have have contacted this company by certified mail to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. They are listing the items in question to credit bureaus from : XXXX. XXXX Bank XXXX. XXXX Bank XXXX. XXXX XXXX This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit. I have never gone into a signed agreement or contract with this company and do not owe them for any debt. I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I am requesting that they discontinue reporting and remove all negative information that they have reported to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name. Best, XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit Management Inc. has been attempting to take actions against me in the amount of {$7500.00}. It is showing on my credit report that the account was opened XX/XX/2020. The original account was opened with Capital XXXX. Someone took over my card, copied down the numbers and made multiple purchases and cash advances using the credit card. I tried to inform the original creditor, Capital XXXX, of this and they refused to reopen the account or remove the fraudulent charges, even after being notified of the fraud.I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay Midland Credit Management , Inc .
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A