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 ( according to my caller ID ) has been calling me non-stop since XXXX. After receiving the first call on XX/XX/XXXX at XXXX PM, I sent Midland Credit Management a cease and desist letter specifically asking them to stop the phone calls. I mailed that letter to their address which I found on XXXX. Since then, I have received countless calls from them which are in direct violation of the FCRA - especially the call I received while I was in CHURCH on SUNDAY, XX/XX/XXXX at XXXX. This is pure harassment at this point. I have retained all phone calls and am weighing legal options.
Company Response:
State: IN
Zip: 46902
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: A accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response:
State: AL
Zip: 361XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 08234
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 status incorrect
Consumer Complaint: I have done Disputes about in accurate information on my accounts
Company Response:
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have tried on numerous occasions to have inaccurate accounts removed from my credit report and also in accurate late payments applied. There are also many accounts reflecting in collections thats are inaccurate. I have disputed these items multiple times with no resolve.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Third party debt collector ( MIDLAND CREDIT MANAG ) has incorrect information on report. Last reported date on my credit report by third party is the XXXX XX/XX/2022 but last activity is XXXX of XX/XX/2022 XXXXThird has not provided any form of validation. Third party is also suing me for debt.
Company Response:
State: KS
Zip: 664XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit is reporting that I owe money to them. I have filed disputes with XXXX asking that their claim be validated. They can not verify that I owe a debt with them but continue to send me letters next day air threatening to sue me if I dont pay them.
Company Response:
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland credit company, I do not know who these people are. They call from random numbers from early morning around XXXX XXXX until late at night approximately XXXX XXXX. They won't say who is calling me, they just say your name and expect you to confirm who you are without identifying themselves. Over the past 18 months or so I have had to block at last XXXX phone numbers. Now I am getting letters threatening lawsuits for around XXXX dollars and they still have not told me who this is for, they continue to say XXXX XXXX however, they are not XXXX XXXX I have a few credit accounts with XXXX XXXX and I don't have a problem with those accounts. I sold my home in 2019 and moved and settled a debt 100 percent with these people and everything was cleared up and it was for XXXX XXXX. Now they are harassing me again, calling from different numbers and locations without identifying who they are. I would work it out if I indeed owe anything because I am completely caught up with my bills and I work constantly to keep my bills paid and this is negatively affecting my credit score.
Company Response:
State: NH
Zip: 03053
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have two credit cards with debt collector Midland Credit management. The first one is a XXXX XXXX card with a debt of {$6600.00}. The second is also a XXXX XXXX card with a debt of {$3600.00}. I recently have become able to pay these debts off, so I contacted Midland credit management by phone on XX/XX/2022. I was put in touch with a Senor manager, named XXXX XXXX who I negotiated with a relative 's help down since we were paying them off in full. For the first debt, we negotiated down to {$4200.00} and the second down to {$2500.00}. I was sent an email to accept electronic communication which worked fine and then was supposed to receive an offer letter via email with the verbally agreed upon negotiated amount. Once we would receive those, we were going to make payment. The emails never came even after repeatedly checking my spam folder and refreshing my email. XXXX said he sent them, but we never received them. We called him back later that day to let him know this and to have him resend the emails. Once again, they never arrived, and when we called the second time, the phone line was so bad, we couldn't communicate. We were transferred to another manager whose line was also very difficult to hear. We began reading reviews about this debt collector and saw the awful record they have with customers either being defrauded or paying off debt and never having it properly credited. I was horrified by this, and although I am committed to resolving this debt, I am afraid that if I pay them, it won't be properly resolved and will remain on my record. The correspondence with them has made me uneasy. The bottom line is that I would like to have someone help me communicate with them so that I can properly pay this off and be free of this debt so that I may get my credit score back on track.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing this letter due to the actions that Midland Credit Management XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Midland Credit Management XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. Sincerely yours, XXXX XXXX
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A