Date Received: 2022-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I attempted to submit a request for Validation and Debt dispute. I have XXXX and speaking on the phone to people causes me XXXX, I decided to use the chat feature and I found myself talking to a customer service agent who refused to acknowledge my request or document it on my account.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Never apply for any credit card for tha place the 2018 I was living in different Address
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Credit company called my spouse without my permission and demanded he payed the debt because he was my husband and a man should do that. They were threatening to sue him ( not his debt ) again without my permision and would not let him hang up the phone fear mongering him. They called him numerous times. Did not contact me once!
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They have called from numbers that are NEVER identified with caller ID. I have instructed them to cease & desist calling me. I do not owe this firm.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/2022 - I phoned Midland Credit Management , Inc to change the debit card information in their system. A payment plan had been set up to resolve this very old debt. The company employees became very uncooperative when I told them that I need to change the debit card number on the payment arrangement. The arrangement was {$50.00} per month for 3 months and {$100.00} every month after until paid off. The company told me that because I had filed a complaint with CFPB and they had until XX/XX/2022 to respond that they will not resolve the payment plan to change the debit card number in the arrangement. They told me the only way they would cooperate is if I withdrew my complaint. I said that I would not because I am looking for affordable payments for debt resolution.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls. I have advised them I am on do not call list. I do not have an account with this company. Midland Credit Management call on XX/XX/22 from XXXX no name identification on caller ID.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Foreign company as is apparent by their accents. I have repeatedly advised them I am on do not call list. They keep calling me. Call on XX/XX/2022 from XXXX with no name identified on caller ID.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi I am XXXX XXXX XXXX trying to build my credit but on my credit report it says I have an account with Midland Funding LLC since 2015 but in 2015 I was only XXXX XXXX XXXX so how could I have opened a credit account. My identity was stolen
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls from company calling itself MCM. It is Midland Credit Management. This call was from number XXXX. No caller ID information associated with number. Call was on XX/XX/2022
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A