Date Received: 2022-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management , Inc. has sued me in XXXX XXXX XXXX XXXX relating to a credit card debt claimed to be owed to its predecessor in interest, XXXX XXXX Midland Credit Management , Inc. has sued on only one cause of action, " ACCOUNT STATED '' and alleges that " the parties agreed upon a resulting balance '', " There are no unresolved billing disputes made in response to receiving the account statements '' and " By using and/or making payments on the subject account, the Defendant accepted the resulting balance ''. These statements are all false. I, XXXX XXXX, disputed the debt as fraudulent at every opportunity. I disputed it with XXXXXXXX XXXX via phone, within days of the charges, as soon as the charges came to my attention. I disputed the debt in writing when it was acquired by Midland Credit Management , Inc. and I disputed the debt with the attorneys for Midland Credit Management by letter when they contacted me prior to filing their lawsuit against me. I also never used the credit card account or made any payment on the account after the disputed charges were made. All of this was known to Midland Credit Management , Inc. prior to their filing suit against me. Their suit was in bad faith and relies on false statements in their Complaint. Midland Credit Management , Inc and their counsel, XXXX, XXXX, XXXX XXXX XXXX, XXXX are bad faith actors that abuse the process of the legal system. I have been required, so far, to attend Court proceedings three different times and it is more than obvious that their legal counsel is not in the business of practicing law, but is really in the business of taking defaults. My initial Court appearance was mandatory mediation where I observed Midland Credit Management , Inc. take the defaults of people who did not appear. I basically told Midland Credit Management and the mediator to go jump in a lake since I didn't owe the debt. Had I not shown up, I would have lost by default. Then, despite this mediation, Midland Credit Management , Inc. filed a motion for another mediation, which was granted by the Court. After that, there was a mandatory Case Status Conference whereupon the Court reiterated the order for the next mediation. No other business was conducted at this hearing. Once again, had I not shown up, I would have lost the case by default and the Court indicated to Midland Credit Management , Inc. 's counsel that his other appearance was taking a default. Now, Midland Credit Management , Inc., gets a third opportunity - at the mediation on XX/XX/2022, to take my default if I don't show up. The system is rigged in their favor. They file false allegations that they know to be false. Their counsel does not actually practice law and has made the most elementary mistakes in the litigation. That's because this is a collection mill and not actual practice of law. This is filing suits with inapplicable boilerplate knowing that the system will grind most ordinary people down. These are not lawyer, they are default takers. And the court is their ally because the court would rather have endless appearances instead of an actual trial. So the system works to deprive Defendant 's of their rights. All participants in this system should be ashamed of themselves. Especially XXXX, XXXX, XXXX XXXX XXXX, XXXX. They are a slimy collection mill, losers who don't deserve the title of attorneys.
Company Response:
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management and the XXXX XXXX of XXXX XXXX are both equally horrible companies. First off I wrote back when initially receiving my letter from Midland Credit Management and a letter after stating they bought my debit. I asked for debit verification as I believe the amount to be lower than stated. While waiting for that to come I did space paying this or being on top of it. They never responded and then this last Sunday I got served papers about a judgment. In that judgement they stated I was notified more than 10 days before. I was not. They have XXXX proof their letter even left their building. They state they have XXXX in the computer, but took no such steps as to validate it was actually mailed. I had no clue my account was even with the law firm or else I would of once again asked for the proof for a second time. To include with the business shady acts, I asked on Tuesday XX/XX/XXXX if I Could get in writing they would not move forward with garnishing wages if I did a payment plan. The man I was speaking said they do not do that and only give verbal commitments. He said they wouldn't move forward with garnishing but would not put it in writing. Which I said well every government site says not to pay unless you get what's agreed in writing and I needed to do research. HE then proceed to say I can do more research but tell me why I'm wrong as a act to dissuade from me researching. I then ask if I could record that, he said yes. While trying to turn on voice memo and the speaker phone, the call got disconnected. I then called back immediately with a call recording app, stating I was on a recording line and the new lady helping me all the sudden when I asked if they could do something written, she said yes I'll send you this document that we will file stating you want payment agreement and we will not garnish your wages, etc all you got to do is sign it and send it back. I still have the voice recording file but there's a buzzing over the whole call. With how shady this company is, I would not be surprised they have some sort of recording blocker. I'm sure they can find the calls though as they record everything. I know this to be a fact as when my wife tried to contact the lawyer on my paperwork, she stated she could not talk about it because it had to be a recorded line. When my wife asked about documentation on Wednesday, XXXX XXXX XXXX representatives said that was a question for Midland Credit Company. So my wife calls midland, and repeadtly gets told she needed to call the lawyers. Eventually they relented after my wife saying multiple times the lawyers said to come to them for that question. When asked about proof of debt, they said they have to speak to someone and will call back. Guess who did receive a call back? Us. She also asked about receiving writing from XXXX XXXX about paying in full and dropping lawsuit. Once again she is told they don't do that and only give verbal comitments but if we choose pay the debt in full, they would discontinue the judgment process and not charge fees. Their site won't even let me make payment on XX/XX/2022. They also have tried to tact on extra legal fees without even receiving a judgment, which can be proven by listing to their call. I once was XXXX with my credit but I work hard to take care of it now. Midland and XXXX XXXX have no intention to be honest or work with someone.
Company Response:
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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 sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: First of, my English language is not fluent so a neighbor friend is helping me put into words what I want to say. She also helped me download recently a XXXX XXXX XXXX to monitor my credit because I have been a victim of identity theft before. And found out that there was another fraudulent account open and charges on an account that went into debt collection that I don't even have any knowledge of till 3rd quarter of this year XXXX. Called the debt collector company to inquire and dispute this account and they said the account in question was opened on XX/XX/XXXX with my name and social security but the address was of an old address where I used to live. I am currently living in a new area for about 4 years now since XXXX so that could not have been me opening that account and racking up whatever amounts it was stated it went up to without paying. I only have one credit card that i have opened and is currently still using which is a XXXX XXXX account. I disputed the collection on XXXX and XXXX also and I just got back a response from XXXX that investigated and it was proven to be of fraud and that they are taking steps to remove this credit history collection off my XXXX XXXX XXXX. And Im still waiting on XXXX investigation to conclude. But I have called up the debt collection company ( Midland Credit Management ) and they told me I needed to write to FTC website about this and get an affidavit? which transferred me to this cfpb website and this is where i am at the moment. Thank you for helping me out regarding this matter.
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2020 Date Credit Card was opened XX/XX/2020 Transaction date {$400.00} Location XXXX XXXX # XXXX ( XXXX, Arizona ) The address used to open the account was not my current address. I was never in XXXX, Arizona. I never made any online purchases from any Walmarts in Arizona. I never received any bills from XXXX XXXX XXXX because I did not live at the address used to open the account. I never received any emails, phone calls or any form of communication from XXXX XXXX XXXX about the account. I was later contacted by Midland Credit Management about the account almost 2 years after the XXXX XXXX Credit Card had been opened and used. XXXX XXXX {$560.00}
Company Response:
State: SC
Zip: 29690
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, midland credit, to arrange payment. I had set up an agreement with XXXX XXXXXXXX XXXX a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted Midland of this on multiple occasions and attempted to pay the debt. Midland refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXXXXXX XXXX XXXX that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both Midland Credit Management and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.
Company Response:
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently reached to Midland Credit Management about some accounts # XXXX, XXXX, they are reporting to the credit bureaus without my consent, signed SSA 89 Form, and are also due to identity theft/fraud. I never received documentation nor opted for any of personal information to be shared while never having any contractual agreement with Midland Credit Managment. This inaccurate reporting has since caused future and previous denials of credit and is having a significant impact on my credit worthiness. Due to my privacy and consumer rights being violated which is clear form of Identity theft/ ( MY PERSONAL INFORMATION BEING USED ALONG WITH MY PRIVACY BEING EXPOSED WITHOUT MY CONSENT, I am requesting these accounts to be removed immediately from credit report.
Company Response:
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for
Company Response:
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In 2019 I discovered a XXXX XXXX card, a XXXX XXXX XXXX, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to jail for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Around XX/XX/2022 my boss received several phone calls from Midland Credit Management on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.
Company Response:
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A