Date Received: 2022-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter XX/XX/2022 with a court case on it. I called my local municipal court and they let me know it was for a debt owed, and not from the company i received the letter from. I was not served.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The original creditor XXXX XXXX XXXX ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management. The law states : Consent is Required A contract can not be valid or legally binding unless consent is given. Consent, essentially, occurs when two parties mutually agree to form a contract with each other. Consent can not be given under pressure. If one or both parties provided their consent under duress, the contract will not be legal. Therefore, this amount that Midland Credit Management is trying to collect on is not mine. They made an account unbeknownst to me. Account no. XXXX. I have written to this company four ( 4 ) times to ask them for the original contract I signed and authorized with Midland Credit Management. ( Please see attached ). Also, they have been threatening to sue and that's against what Congress set as laws to protect the consumer. ( Please find attached ). XXXX False, deceptive, or misleading representations or means
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/22 I received written notification that my account with XXXX XXXX is now own by Midland Credit Management , IncXXXX for the amount of {$710.00}. I received an email from Midland Credit Management on XXXX/XXXX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX and Midland Credit Management has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX on my consumer reporting file. I need some help with matter.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have requested via certified mail for this company to send me a document bearing my signature showing this debt is mine. I have no knowledge of this debt as it does not belong to me. To date, I have only received threatening letters stating they will sue me. This is violating my rights and is illegal. Cease and desist all communication with me. Furthermore, delete these inaccuracies off my credit report.
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was told that there was a credit card that I owe {$2800.00} for on my XXXX credit report that is not mine. And theres an account number of XXXX I called Midland funding who has it in collection trying to collect for me and I told him it was fraudulent and they were asking me for a affidavit fraud affidavit to send them.
Company Response:
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX received Postal Mail around XXXX XXXX. I open it and realized that it was from a Debt Collector XXXX, XXXX XXXX XXXXXXXX. The letter was dated XXXX, XXXX XXXX, and I only received it on the weekend of XXXX, XXXX XXXX. I immediately call XXXX and they were closed the weekend, I reached out again on the XXXX, XXXX and XXXX of XXXX and I spoke to Account Representative XXXX XXXX. I communicated to her, I just received the letter and I am responding because I just came back from XXXX XXXX from XXXX XXXX my sister Funeral. XXXX XXXX, threatened me that I was passed 10 days to respond. Even though I explain to her that I just received the letter from the P.O and I responded immediately, And if by " Argument sake " that the P.O delivered the letter on time, I still couldn't response because I had a Life Crisis death emergency that I am dealing with. XXXX. XXXX insisted in a Badgering demanding stern tone of voice it was my responsibilities to keep up with the payments or change of address. Which I was surprise told her, that my Payments are " Automatic process through my checking Bank Account which still the same from since I signed up on XXXX to present. A monthly fee of {$50.00}. was taken from my checking account every month, even during the World Crisis Pandemic and my bank was still paying my automatic payments and paying my bills so my Question to XXXX was? why you took a year and 28 days to send me a letter purposely knowing that I will received the Harassing letter after the 10 days noticed so I can Purposely Default as a consumer in convicting me that I have to pay the Original balance of {$9000.00}. I only owed as the letter stated {$550.00}. of an 18 years old Debt. XXXX XXXX answer the question that they XXXXXXXX XXXX XXXXXXXX was at fault because of an IT Computer Glitch on their end, kept on insisted in a Harassing 's Rude, nasty tone of voice yelping at me that I owed {$9000.00}. After we were not going no where! I asked for the Original Creditor information which was XXXX XXXX and Midland Funding LLC bought over the original debt. I went to the Court House in XXXX XXXX XXXX, the next day in XXXX to file an Order to show Cause why I couldn't answer the Debt Collector letter of XXXX because it was sent late and I had a family member my sister died emergency. The Clerk check the computer and asked if that was the first noticed because she didn't see any filed in the court Records and I should work it out with Midland Funding I call Midland Funding LLC 5 times to work out, negotiate to pay off the balanced of the {$550.00}. and explained why and I tried calling XXXX XXXX XXXX 3 times after which they automatically hang up the phone on me knowing. that I am calling. The last represented of Midland Funding informed me the reason why XXXX not returning my phone calls is that I had to removed the " Legal Stipulation '' and they will call to work something out. That was a Business Lie... That was a misdirected information, false statements and misrepresentation if I removed my legal " Don't Call List number '' that XXXXXXXX XXXX XXXXXXXX will work something out. XXXX did not work nothing out but kept harassing me on the same tune by another Accounts Representative XXXXXXXX XXXX phone number, XXXX ext XXXX. That's is Misleading misinformation and Misrepresentation I call Midland Funding to explained the situation and to speak to a manager XXXX XXXX whom I told that XXXX didn't work anything out after I was Convinced by them Midland Funding that they XXXX & XXXX will do so and now Both Companies are Finger Pointing and leaving me the Consumer very confused & XXXX. I believe Midland Funding, by giving up my phone number legally to give XXXX XXXX XXXX XXXX XXXX for the Debt negotiation with me but which I am caught in a " Stand Still currently They refused to Uphold to the Original Negotiation for the balance of $ XXXX as per Taped conversation twice that in Admission that it was their Fault because of a their Computer IT Glitch that Stop the Automatic Payments Agreement.
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management is collecting on behalf of XXXX. I had a conversation with someone in XXXX that informed me that all of their representatives are based in XXXX. I do not want someone in a foreign country having access to my information or my wife 's information. The account is in my wife 's name, they have called me about it numerous times. I have told them numerous times that I ONLY want U.S. based representatives contacting us or having access to that information. They have refused.
Company Response:
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I entered into a settlement agreement with Midland Credit Management, on which I was to make monthly payments of $ XXXX until the debt was paid in full. I gave this agency my banking information and they were taking my payments, as agreed, from my checking account. I even listened to their recorded version of their terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I gave them my full name, to be included with the automated commitment to pay. I changed banks in early XXXX, and called to notify them of the change, provided them with my new banking information, listened to their recorded terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I was operating under the assumption, based on what I was told by the telephone representative, that they would begin to use my new banking information, to finish out the payment agreement. I received a statement from Midland Credit Management, via USPS, showing the payment amount due, the payment due date, and the plan balance. I reconciled the automated drafts, showing on my bank statements and found that they had not taken my payment for XXXX, XXXX, or XXXX. In XXXX I received another call, which resulted in my giving all of my information to them, in the identical way that I had originally entered into the agreement. I had another call, XXXX, and this call was identical to the calls in XXXX and XXXX. I gave them my information again, exactly the same way that I had done when I called to advise that my banking information had changed. Now it is the end of XXXX, and I received a blocked call, which went to my voicemail. I listened to my voicemail and found that it is another call from Midland Credit Management. At this point I am extremely suspicious over what they may be using my personal information for, since it obviously isn't for taking the final installment, which would result in the account being paid to a XXXX balance and satisfy the terms of my original contract with this company.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dont know this company never had any contract with them and its saying its open.also XXXX XXXX was paid off and XXXX and still showing on my report would like removed
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A