Date Received: 2022-11-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit management company has repeatedly sent mailing notices about an alleged debt. I have received multiple mailings over the last few years. I recently started to keep them. The notices also, state they can not sue me but will continue to effect my credit until I pay them. Dates of their letters : XXXX XXXX XXXX XXXX XXXX I also have a letter from when they tried to sue me, but it was dismissed. I sent validation letters to the credit bureaus asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I do not have dates for these letters. I did not know I was suppose to keep track of this information. But I'm sure they have record of the disputes on file. The alleged debt amount is {$2300.00}.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This is pertaining to Midland Credit Management , Inc. - Account # XXXX Under the Midland Credit Management Forgiveness and Hardship Guidelines found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question. Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading MCMs Consumer Bill of Rights, but to no avail. I am still unemployed and actively looking for work, however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores. This account is now over XXXX XXXX XXXX, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, MCM has continued to add interest, further damaging my credit score. In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at MCMs Consumer Bill of RIghts Article 1. I have conveyed that I not only can not afford to pay the balance, because I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question. God Bless, XXXX. XXXX
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC XXXX. XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX. MIDLAND CREDIT MANAG {$1800.00}
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account does not belong to me if you have a signed contract you must show it, the FDCPA Law 15 USC 1692 Sec 809 indicates that it is illegal to report without foundation
Company Response:
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Spoke with MIDLAND CREDIT MANAGEMENT in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I lost my job back in XX/XX/XXXX and immediately activated the XXXX XXXX ( XXXX XXXX ) insurance coverage linked to my XXXX Credit account. Each month I was required to submit a benefits application along with proof of my continued unemployment and in turn the minimum monthly payment due on the XXXX account would be paid. Benefit applications were submitted for the months of XX/XX/XXXX to XX/XX/XXXX. In reviewing my account statements, it appears benefit payments for the months of XX/XX/XXXX thru XX/XX/XXXX werent posted, despite the required documentation was submitted. I first attempted to contact XXXX by telephone regarding the missing payments in XX/XX/XXXX but wasnt able to speak to anyone. The country was under mandatory lockdown due to XXXX and XXXX representatives werent available. I followed up on XX/XX/XXXX by mailing copies of all of the required documentation relating to the missing payments and requested they be posted as quickly as possible. In XXXX terms and conditions for unemployment benefit coverage it states once the maximum number of payments, which is twelve ( XXXX ), has been reached and if unemployment continued, the XXXX account would qualify for a balance waiver, and the remaining balance on the account would be paid in full. From XX/XX/XXXX to XX/XX/XXXX, XXXX had issued a total of nine ( 9 ) benefit payments to my XXXX account. XXXX was made aware once the missing payments had been issued I also would have met the requirement to have the remaining balance waived and paid off. Once the lockdown was lifted and business operations were back to normal, I assumed XXXX fulfilled their responsibility by posting the missing payments and paid off the balance of my account because I never received any further communication about my claim or my credit account from anyone until I received a letter from Midland Credit Management sometime in XXXX indicating my XXXX had been charged-off in the amount of {$1500.00} and they were attempting to collect payment. Since my contractual agreement on my XXXX account was with XXXX XXXX XXXX reached out to them directly in writing informing them an error had been made on their part and requested it be corrected immediately. A copy of my letter was sent to Midland Credit Management with a cover letter stating I was not acknowledging or accepting their claim that I now owed them any money but wanted to bring to their attention XXXX had been contacted for a resolution. In addition to the missing benefit payments along with the balance on the XXXX account not being waived, I discovered XXXX failed to credit my account in the amount of approximately {$170.00} plus tax for XXXX items that were ordered in XX/XX/XXXX but never received. XXXX was contacted about the missing items and I was instructed to complete and submit an, Affidavit of merchandise not received. Credit for the missing items was never received after the form was submitted. Despite all of my previous communications with XXXX, XXXX, XXXX XXXX and Midland Credit Management my account appears to have been allowed to continue in the collection process to where it was turned over to an attorney who in turn filed in small claims court attempting to collect. This XXXX account should have never reached the level that it has. All parties involved, despite having been made aware numerous times there was a problem, have simply chosen to ignore or take steps to resolve it. I have again attempted to get this matter handled by contacting XXXX but was told to contact XXXX, who said they no longer had my account and directed me to XXXX, the servicer. XXXX said my account was now in the hands of Midland Credit Management who told me I would have to speak to the law firm assigned to handle my account. None of the parties ( XXXX, XXXX XXXX Midland Credit Management ) whove had a role in the handling of my account have taken any interest in assisting me with this matter, despite each having reported it negatively to the credit bureaus. The credit bureaus wont do anything stating by law only the reporting creditor has the ability to take action on an account that has been reported on my credit file. I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this issue. I want Midland Credit Management to delete their negative reporting of my account permanently with each of the credit reporting agencies. I have copies all benefit applications and proofs of unemployment and the affidavit of merchandise not received that were submitted to support my claim.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have informed them that these debts are not mine and they submitted inaccurate information. They continue to harass me and call me from blocked numbers. They have even called my parents and served my parents at their home and then lied to the courts stating they served me. They also called my brother and his wife and a previous employer. They have lied and caused me a great deal of humiliation and embarrassment and mental anguish. Because of them, I can not get a home or a vehicle. I am living with family members and no longer have a vehicle. My life has been ruined and destroyed because of their tactics and I feel helpless. They keep insisting I pay for this debt that I do not owe and have resulted to continuously send letters to my parents residence and they keep trying to push me to settle with their attorneys. Their attorneys have called and left multiple voicemails which I have on my phone and am able to produce. they claim they do not have to remove the debts when the statute of limitations is up but they indeed do. They are trying to ruin me financially and they are discriminating against me because of the XXXX of my skin. They attached a letter to the last response stating I am a XXXX XXXX. I have seen where others have been discriminated against them due to race. They purposely try to ruin minorities. Please see attached letter. I will not be paying these debts because I DO NOT OWE THEM so I request they stop sending letters requesting I pay them and work with their attorneys and remove the collections at once. I am currently working with an attorney to file a lawsuit against them.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was illegally threatened by debt collector, Midland Credit Management ( MCM ), on XX/XX/2022 regarding an alleged debt in the amount of {$2400.00} from received by postal mail. The message stated : " If we don't hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney. '' I have reason to believe I do not owe this debt because the alleged debt is inaccurate information and MCM is using emotionally violent, deceptive tactics, and illegal practices to collect the alleged debt. To support my case- this same MCM debt collector was removed from my credit report after filing disputes to prove the inaccurate information a couple of months ago. Below are details of the additional information provided to support this complaint in an attempt to cease these illegal practices and eliminate all ruthless harassment contact from this debt collector : 1. The amount of the alleged debt : {$2400.00} 2. The full name and mailing address of the original creditor for this alleged debt : XXXX XXXX, Division Supervisor, Midland Credit Management - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX - Phone XXXX - Online www.midlandcredit.com - Hours of Operation - Mon-Friday : XXXX XXXX XXXX/XXXX and XXXX : XXXX XXXX - XXXX XXXX/XXXX XXXX. Documentation is provided to show the illegal threat letter. I am seeking judgment as I believe MCM is in violation of the Fair Debt Collection Practices Act and want to cease all threats. Additionally, the debt can not accrue fees or interest beyond what is allowed by state law or by contract with the original creditor.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX had a judgment entered against her on XX/XX/XXXX for {$1900.00} in favor of MRC Receivables Corp. We have been trying for weeks to get a hold of someone at this company to secure a pay off letter to pay off this judgment so she can sell her property located in XXXX XXXX Virginia XXXX I am XXXX XXXX XXXXXXXX handling the sale of her property. There does not seem to be any contact information for MRC Receivables Corp on line. I believe they are a XXXX corporation. I also think their parent company is Encore Capital Group. I can not get a hold of anyone there and other subsidiaries of that entity have no record of this debt. We need a pay off letter, good thru XX/XX/XXXX so she can sell her house on XX/XX/XXXX XXXX per her real estate sales contract. Can you assist? XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX or Cell XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Midland Credit Management # XXXX XXXX {$3200.00}, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A