Date Received: 2022-12-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: At the close of my house on XX/XX/22 I had the attorney pay off 2 accounts with Midland. After receiving their payment they sent me a letter stating the debt was paid in full. One was XXXX and one over XXXX. When I saw they still have full amounts on my credit and they are going up a few dollars a day I disputed them. XXXX came back and said I was correct however midland changed my amounts owed and didnt XXXX my accounts out.
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-12-07
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: Midland Credit keeps calling me asking for a XXXX or a XXXX XXXX, neither of these people have ever had my phone number and I have had this mobile since XXXX when my father left XXXX for work, and my mom gave me his phone/and number so we could contact each other while she was at work because I was only XXXX XXXX XXXX at the time. Almost 20 years, I'm almost XXXX XXXX XXXX now, I've had this number. They have been calling me for half a year now, never leave any voice messages, and when I am able to answer, I keep telling them they have the wrong number, these people don't own this phone number and to remove my number from their case file. Today XX/XX/XXXX, they have called me twice in less than two hours. I couldn't pick up the first call at XXXX XXXX because I was working, next call at XXXX XXXX, I picked up in the middle of a work call and told them to stop calling me and remove my number. I pay my bills on time or way before they are due, I have never owed collectors ever in my life. They keep calling from different numbers.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing. The four companies are : 1. Midlantic Funding XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. Your time and thoughtful consideration are greatly appreciated. Thanks, XXXX XXXX XXXXXXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MIDLAND CREDIT MANAGEMENT account with a balance of {$200.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit continues to call and harass me about the debt of someone whom I DO NOT KNOW and have informed it of such on the first call to XXXX. Despite me telling its reps that I DO NOT KNOW WHOM THEY SEEK AND TO CEASE CALLING, they still continue to harass me with calls from various numbers, including XXXX ; XXXX ; XXXX, just to name a few. The latest call was on XX/XX/22.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The midland credit management company is contacting me about an alleged debt. Remove this from my credit file now. 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX {$1700.00} Credit card was opened fraudulently
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted credit bureaus and continue to get send proof of address and identification. That I did the credit bureau is not removing information from a collection agency midland credit is reporting XXXX days late on a collection account its not legal because I have never had an account with them. Another collection company is reporting to the credit bureaus and I havent had an account with them. I gave proof that they are also not legally to conduct business in my state.
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX partake in a consumer credit transaction on XX/XX/22 and XXXX/XXXX/202. The first response was that the information was verified, but no method of verification was provided. So I made a second attempt and got no response at all which are violations of my consumer rights. Violations are but not limited, 15 u.s.c 1692 ( g ) validation of debt, 15 u.s.c 1692 ( a ), 15 u.s.c 1692 ( e ). Letters were sent out to XXXX, XXXX, XXXX,
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A