Date Received: 2022-11-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: MIDLAND CREDIT MANAGEMENT , INC ( MCM ) has continued to defame my character, causing mental and physical anguish including but not limited to, stress, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX adverse action from lenders including the credit unions I bank with. I have no contract nor have I ever signed a contract with MIDLAND CREDIT MANAGEMENT , INC ( MCM ) for ANY debt, and sending me a copy of an alleged credit card statement from an alleged creditor does not constitute as an alleged original contract between me and the alleged creditors. The alleged creditors do not give debt buyers the authority to go after consumers for the alleged debts, and also in a lot of situations the alleged creditors can not verify the accuracy of the information that is being purchased. MIDLAND CREDIT MANAGEMENT , INC ( MCM ) has violated several FDCPA rules as follows ( SEE ATTACHED EXHIBITS ) : 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692b ( 2 ) 15 USC 1692j ( a ) 15 USC 1692d ( 1 ) 15 USC 1692e ( 2 ) ( a )
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For the past month, I have received over 11 phone calls from over 11 different numbers. I've listed the dates, times and various numbers used as of the past 30 days. XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/22 XXXXXXXX XXXX XXXXXXXX. They are trying to contact my husband in reference to alleged debts and have already been told by him to stop all contact via phone. He told them this through a service representative named XXXX on XX/XX/22 at XXXX XXXX via a call back to their phone ( XXXX ) XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: Thank you for your response to my XX/XX/XXXX complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX that was submitted through the portal. After careful review of your response to my complaint, I am still denying all allegations by you. In your letter, you stated that An investigation of this matter indicates you became the servicer of account ending in XXXX on behalf of purchaser Midland Funding, LLC ( Midland Funding ) on XXXX XXXX, however the letter that you attached to your response in the portal with the CFPB states that the account was purchased on XX/XX/XXXX. This letter has a date in the top right hand corner of XX/XX/XXXX. I never received any correspondence from XXXX XXXX ending in XXXX regarding this matter. You contend that the account originated on XX/XX/XXXX, however the statements provided begin with XX/XX/XXXX. You claim to have purchased the account on XX/XX/XXXX, but your response, includes a statement for XX/XX/XXXX from XXXX XXXX regarding this account. In your next contention, you stated you became the servicer of the account ending XXXX on XX/XX/XXXX, however the letter that you attached from XXXX XXXX ending in XXXX that as of XX/XX/XXXX you were the new owner of the account. The date this letter was sent is displayed in the top corner as XX/XX/XXXX, however your attachments included a statement from XX/XX/XXXX. For account ending in XXXX you state you became the account servicer on XX/XX/XXXX, and this information originated from XXXX XXXX with account ending XXXX. According to the letter from XXXX XXXX that you attached to your response, as of XX/XX/XXXX, you were the new owner of the account. This letter has a date of XX/XX/XXXX. You claim the account originated in on XX/XX/XXXX, however the statements only go back to XX/XX/XXXX. You attached a Trial Judgment to your response however, this judgment was never served on me. Also, your judgment does not indicate which account this is for. I pulled the case history from the XXXX XXXX XXXX XXXX, and there was never any service of this Judgment. I also noticed that there was a hearing listed on XX/XX/XXXX, but there is no Notice of Hearing filed for this date. How can someone appear for a case if they were never placed on notice? An Application to the court for an order and notice of any hearing thereon, not presented during a hearing or trial, must be served upon all other parties not less than XXXX days before the time specified for the hearing, unless otherwise unless provided by these rules or shortened by the court XXXX. XXXX XXXX. XXXX XXXX. I also have not received any copies of any of the pleadings that were filed in this case. Nothing was mailed to me or served on me by the Court or your counsel. If it was, then please provide the certified mail return receipt. You state that the service numbers have changed, and you have record of all of this, however, record was never submitted to me, nor was any original account information which I repeatedly asked for. You purchased account number XXXX provided by XXXX XXXX ending XXXX and state the account originated on XX/XX/XXXX. As stated previously, you have yet to provide any original account information, which I have once again repeatedly asked for. You claim to have purchased this account on XX/XX/XXXX, however the letter you attached shows you became the owner of this account on XX/XX/XXXX. The date of this letter is for XX/XX/XXXX. The letter shows XXXX different balances. Once again, the statements have issues as well. A copy of this letter and corresponding evidence has been submitted to the CFPB and the Texas Attorney Generals office. I encourage you to remove all accounts at once or face legal action against you. You have not provided accurate information and your evidence along with the letter you submitted to the CFPB shows this. I will move to have the Judgment thrown out due to a violation of due process. A copy of this letter will be sent Certified Mail Return Request Receipt to the address on the attached letter that you submitted. The statute of limitations has also run out on all negatively reporting XXXX XXXX accounts on my report so I ask that these be removed as well.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Was sued by Midland Credit Management in XXXX of XXXX, they alleged that I owed a debt that they purchased from XXXX XXXX XXXX. I sent notice to court with intent to defend, on the court date Midlands attorney XXXX XXXX had me meet prior to the trial, where I was shown documents of the alleged debt and convinced to make a settlement or face trial ending with a judgement of twice the amount. Midland had prepared the records and hired the services of XXXX XXXX, I was not convinced that the debt belonged to me but under the pressure paid the settlement amount and signed the document presented to me by XXXX XXXX. Court document of settlement is attached as well as USPS records of delivery to confirm receipt of payment and cancelled check showing confirmed payment as per terms of the settlement. Per the advice of legal counsel after the settlement a letter was attached with the payment, stating that Midland Credit Management would show the account paid in full and remove all negative information from my credit reports. One year later and Midland Credit Management is reporting that I still have an open account and balance. Attached is a copy of my credit record with XXXX XXXX showing paid as agreed. Midland Credit Management sued and fraudulently collected on an account and will not remove or stop reporting a balance to the credit reporting agencies. It is clear that Midland Credit Management is in violation of FCRA rules. If there is no resolution I have attorneys prepared to file suit.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I DOOOOO NOOOT HAVE AN ACCOUNT WITH MIDLAND CREDIT MANAGEMENT THIS IS ILLEGALL!!! I DOOOOO NOTTT HAVE A CONTRACT SIGNED FROM ME TO YOUR COMPANY. YOU ADMITTED TO ILLEGALLY BUYING A CONTRACT THAT ILLEGALLY WAS NOT BOUND TO ME. I DO NOT KNOW YOU COMPANYYYY I DO NOT HAVE ANYYYYY SIGNNNEDDDDD DOCUMENTS BETWEEN XXXX XXXX AND MIDLAND CREDIT MANAGEMENT. I DO NOT OWE SOMEONE I DO NOT HAVE SIGNED CONTRACTS WITH!!!!!!!! THIS IS AGAINST MY RIGHT LEGALLY!!! NOW YOU THREATENING TO FORWARD THIS TO AN ATTORNEY!! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOTTTTTTTTTTTTTTT I REPEAT I DO NOTTTTTTTTTTT have contracts with XXXX XXXX XXXX NOR MIDLAND CREDIT MANAGEMENT, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/22, Midland Credit Management stated the account that they were contacting me about would be marked " cease & desist '' but they are still contacting me & threatening legal action. they have stated the account belongs to someone with the last four of their social being XXXX, which is not the last four of my social security number. mine is XXXX they continue to violate my consumer protected rights with the harassment of an account that has never belong to me. very unprofessional. their process of finding their customers is not reliable obviously. this is my second complaint against them through the CFPB so now, i will move forward to legal action.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
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: This account through Midland funding was previously deleted through my XXXX credit report and experian is still showing that it is my account it was deleted due to being fraudulent and they keep updating this account it is not my account I do have proof where it was deleted off of my credit report through XXXX
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A