Date Received: 2022-09-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: MidLand Credit Management has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a student who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day. Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. Midland Credit Management has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Company Response:
State: CA
Zip: 93955
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I sent a letter asking to validate the debt they were reporting to my credit report, but I never receive a response. Then on XX/XX/2022 I asked Midland Funding LLC for more details regarding the account to which I again didnt get a response. This has been very stressful. I have right but they are violating them without consequences.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Original Credit Card Company, XXXX XXXXXXXX, has removed debt off of credit report due to being expired according Statue of limitations law in Illinois. Midland Credit Management has unlawfully used tactics to contact me and threaten me to pay a debt that has expired through the original creditor. Company has violated the statue of limitations, violated the fair credit reporting act, and violated Fair debt collections practices act.
Company Response:
State: IL
Zip: 61109
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
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: No knowledge of account or debt with company reporting to credit bureaus.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Creditor contacted XX/XX/2022. Amount listed owed on credit report is the wrong amount ; entered into an agreement on a lower amount with two payments made in XX/XX/2022 ( {$49.00} and {$50.00} ). Current balance is {$590.00}
Company Response:
State: MI
Zip: 48917
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: For the last two years XXXX XXXX has tried to charge me for goods I did not order. XXXX sold the bad account to Midland Credit. the Manager of the company stated that I owe XXXX. The rep got up set because I told him that I have a XXXX account and it is active with a balance of XXXX. I told him the account he was speaking on was not mind. the manager then told me while he was mad at me that I was a fraud and he was going to report me and put it on my credit report. in addition he stated I'm going to have you investigated right away and sue you after he took it off recording. While off being recorded he said I will pay for this and i wouldn't hear from him anymore. I asked him prove I had or owned this account. on XX/XX/2022 I received a XXXX letter from that manager threating me that he was going to get a lawyer and sue me. I have proved several times and have provided my XXXX XXXXt open account number of my real account. but they keep putting this on my credit report.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: The amount they asking me to pay is incorrect much & the date is wrong, they called me asking me about the money when I refused she threaten me to share my personal info & she will issue a warrant for my arrest..
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been receiving collection notices for a credit card opened in my name, from someone in another state. I have spoken to collection co. Several times asking them to send me paperwork with my signature, anything to prove it is mine. I just received a bank statement copy which has no personal info.I was told by the collection, to file notice here. Cr.Card - XXXX XXXX XXXX amt of {$880.00} act. Was opened in XXXX. Never received a statement from the bank at my address. The person who opened the act.is in XXXX, XXXX. I have never been there, lived there.I have been at the same add. Since XXXX. The same job for 21 yrs. Collection co.MCM.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, I wrote to each credit bureau about the inaccurate reporting of collections by Midland Credit Management and XXXX Collections. Per FCRA, Section 609, I requested all information related to collection accounts listed on my XXXX, XXXX, and XXXX credit reports; including the original credit application and contracts containing my signature. Per FCRA Act 15 U.S. Code 1681i Procedure in case of disputed accuracy ; Para ( 5 ) Treatment of inaccurate or unverified information shall promptly be deleted from my credit file. The collection agencies nor the credit bureaus did not fulfill my request by providing evidence these accounts belong to me. Additionally, it appears that my consumer rights were violated by the party that the collection agencies obtained my information.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a membership at XXXX XXXX but the card I was using expired without me knowing. I stopped going to the gym and forgot but they kept charging my expired debit card somehow and by the time I knew it they sent my account to collections and sold it to debt collectors
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A