Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management is in violation with a collection account amount increase. No collection accounts amount owed can increase. This has happened several times. Ive reported this on several occasions. Every time I report on this collection account. The collection amount increases on XXXX Credit Report. This account was removed on XXXX and XXXX Credit Reports. I have a recent complaint about this account. Now, a few days later. This collection account on XXXX Credit report. Has increased again. I know a collection accounts amount can never increase. This is a clear violation of FCRA. Why hasnt the CFPB? Done something about these clear violations by Midland Credit Management?
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I was contacted via Postal Mail on XXXX XXXX about a XXXX credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by Midland Funding Inc XXXX XXXX XXXX XXXX MiXXXX ( Judgment Creditor ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included XXXX XXXXXXXX XXXX ( the true creditor ) out of XXXX Ohio. Judgment : {$980.00} on XX/XX/, total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with XXXXXXXX XXXX with the last payment made in XX/XX/. I visited the Local XXXXXXXX XXXX Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to Midland the debt collector also.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to delete the following information on my file. The items I need deleted are listed on my report. I XXXX be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: midland Credit {$680.00} and I have no knowledge of this account. I have not gotten any information of this accont. I have contacted them and of course no response I would like for them to stop harrasing me about account that they can't verify. Then it says XXXX XXXX and when I call them they say they have no information and now I have a credit report with this name one here and it isn't mine, I also asked how did you purchase a debt and they can't verify that either. MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX ( XXXX ) XXXX
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent out letters to the credit bureaus and the creditors on : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im getting scam calls and texts for MCM debt collectors. They have fake websites XXXX : XXXX other websites stating that the websites arent fake XXXX XXXX XXXXXXXX # They have you call XXXX and Im sure other numbers as well. They asked my name and then immediately for my social security number. They couldnt tell me what my debt was for.
Company Response:
State: UT
Zip: 84037
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Credit Management- IS not licensed to practice debt collection in the State of California . Midland Credit Management has listed their debt collection license as pending as of XXXX It appears that they have been convicted and accused for unfair debt collection practices by consumers. I received a summons from them although they are being investigated for FRAUD. Midland Credit Management also functions as Midland XXXX XXXX which is a direct violation of the FCDPA- False and misleading deceptive practices. The process server from Midland Credit Management sent to my home walked around my house and spoke to my neighbor regarding debt. Process server refused to identify herself and called repeated after leaving my home. This summons does not have a true bill attached. Payments and charges are not listed. I had insurance on this account also, which was ignored. I have found at least 20 FDCPA violations in their complaint. This company is disgusting and should never be allowed to exist on this planet.
Company Response:
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My wife handled all of our bill paying up until she XXXX last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), Midland Credit Management XXXX XXXX Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I recieved a phone call from XXXX XXXX XXXX XXXX asking if I was the wife of XXXX XXXX. I asked who was calling they repeated there Company name, then proceeded to tell me his date of birth and that they were a debt collection agency calling me in regards to a debt that he incurred before we started dating that I had no idea about. Then asked me how was I going to handle the debt by making a payment. Not only did they give out his date of birth to me, they told me about his debt, how much it was and what Credit Card it was for and the year he took it out. I explained that what they did was wrong, they can not call me giving out his personal information and debt information without any real verification of whome I really was, about a debt he had before we even started dating that i knew nothing about, especially when he also has a family member with the same name as mine. They proceeded to argue that what they were doing was OK, and if I had said I wasn't who I am they wouldn't have given me all his personal and debt information. I then asked to speak to a supervisor who also decided to argue with me, I asked for their consumer hotline and he gives me a phone number to customer service for complaints. I call the number given and the person who answers immediately asked for XXXX XXXX. Even though I called them, and from my phone as if they rerouted the call back into the same office, so I asked the representative why he would ask to speak to XXXX XXXX if I called them at a number provided. He responded by asking how he can help me. I don't know what this company is doing, but this can't be legal.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am beyond outraged that XXXX XXXX XXXX is falsely reporting on my credit and violating my rights under the Fair Credit Reporting Act. I have never had any accounts with them, yet they are falsely reporting to my credit as a debt collector, in violation of 15 U.S. Code 1681d - Disclosure of investigative consumer reports. They have not clearly and accurately disclosed to me that an investigative consumer report may be made, and that disclosure was not made in a writing mailed or delivered to me not later than three days after the date on which the report was first requested. To make matters worse, they are displaying a supposed closed account with a balance of {$3400.00}, which is a violation as per my research, charged off accounts should display a zero balance. This is not only inaccurate but also defamatory and a violation of 15 U.S.C 1692g. This is a violation of 15 U.S. Code 1681 and I demand that the account be deleted at once. I have no contract with XXXX XXXX XXXX and have never done business with this company, nor have I given my written consent to any financial obligations. I have sent two letters to them on XX/XX/2022 via certified mail and have yet to receive any proof of this alleged debt or any instrument bearing my signature with XXXX XXXX XXXX. I demand that they provide proof or delete the inaccurate information from my credit report immediately. I remind them that they have 30 days to complete their reinvestigation as per federal law and that time has passed. I will seek {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. As in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXT is liable for their willful non-compliance. I will not rest until this is rectified and justice is served. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I am beyond angry and will not tolerate this violation of my rights any longer!
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A