Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have asked for a debt violation time and time again. Pursuant to 15 U.S.C 1692 ( b ) upon receipt of this rescission i am not liable for any of these charges because there is no violation, and this account has been charged off which i have not benefited from this.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland funding, LLC At XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland funding LLC At XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Has been sending me collection notices in the amount of XXXXthe collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland funding at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland funding at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I owe a 10-year-old debt for < {$1000.00} to XXXX XXXX XXXX, XXXX XXXX. When Midland Credit first started calling ( about one year ago ) they stated that they were with XXXX XXXX XXXX and that this was a current debt that needed to be paid or I would be sued for {$1600.00}. I was confused because I did have a current card with XXXX XXXX XXXX, but it only had a {$500.00} limit. So, they claimed that it was on my current credit card and that they were filing a lawsuit was very confusing. So, I started asking specific questions, what company are you with? They answered XXXX XXXX XXXX, so I told the representative that was impossible because my current credit limit was only {$500.00}. He said that with late charges and over-the-limit fees it had increased. I told him that I wanted to speak with a supervisor. He put another man on the phone who I asked if he were in-fact a supervisor and if he could confirm everything that the representative was saying was accurate and he did. I told him it couldn't be accurate, and he was just high-pressure, threatening to ruin my credit, that I would never be able to own anything, that they were going to file a lawsuit etc. I asked to speak back to the representative. So, the man claiming to be a " supervisor '' picked up and said " Yes, how can I help you. '' I recognized his voice. I said, " Yes sir, are you a supervisor? '' He answered, " No I am representative, what can I help you with. '' He forgot which line he had picked up, so I said, " So you lied on a recorded line and you're NOT a supervisor at all? ". He responded, " I will not answer this. '' I happened to remember just then about the 10 years ago debt with XXXX XXXX XXXX and let them know that they couldn't sue me because the statute of limitations has passed. So, the representative responded, " We here at Midland Credit report you every 2 weeks to the agencies and we'll ruin your credit. '' Really, because that's illegal as well for a 10-year-old debt. They got frustrated and hung up on me when I pointed out their lies and fraudulent scams. Ever since, they call 6-10x/day even though I've asked repeatedly for them to not call during working hours because my boss has already threatened to write me up if they don't stop. I've asked Midland multiple times to please not call during my working hours of XXXX, but they still harass me daily threatening to ruin my life, credit etc. I don't know how to get them to stop. Especially, all their lies and fraudulent claims and behaviors. What can I do? I have never received written correspondence regarding this debt from Midland Credit.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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: I've disputed collectors due to misinformation & violations of rights. The collectors were supposed to remove the blemished marks off my credit report & have failed to do so. In accordance to the FCRA a number of my federally protected consumer rights have been violated. My right to privacy & confidentiality has been violated under 15 USC 1681 as stated in the FDCPA. Rights such as 15 USC 1681 sec 602 ( a ) states a consumer reporting agency can not furnish an account w/out my written consent. 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing items of information, any other adverse items of information records if convictions of crimes which out dates the report more than 7years. I've addressed this matter with XXXX XXXX, XXXX, XXXX XXXX XXXX midland credit management. The blemishes were removed ( XXXX XXXX ) on only one account through XXXX. They were both expected to be removed/deleted from my credit report both XXXX & XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On or about XX/XX/2021, I wrote a letter to Midland Credit Management asking them to stop calling me, and to stop calling my friends and family about a debt I do not owe them. I sent a letter to them at the following address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX. However, over the past several months, I have continued to receive abusive calls and letters from them demanding payment. This company has also contacted my daughter and her husband about me, which I know they should not do, even though I am elderly. Please tell them to stop harassing me about this debt I do not owe them. Thank you. Kind regards, XXXX XXXX
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
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: I have asked Midland Funding numerous amount of times, both in writing, disputes through credit reporting agencies and verbally on the phone to provide proof of debt. They have not sent the requested documents. I have disputed the item multiple times and they continue to send back that it is verified when it is not. They have also sent comment that debt is currently in the care of a lawyer which is untrue. The debt is past the statue of limitations in the state of South Carolina. Credit debt has a span of 2 years, after which the collection agency can no longer sue and can not threaten lawsuit. This company has also broken FCRA regulations when it comes to debt collection and has been sued and found guilty of such. This company has attempted to try and collect this debt from me by threatening to have me served, at the time of the threat they did not inform me that this was a time barred debt they were attempting to collect on. When I asked for verification of debt they claimed they had mailed that to me 30 days prior. I have informed delivery on my mail and would have seen this attempt. I informed the rep on the phone that I did not receive it and will need it mailed it again. She stated that it may have been lost in the mail and that they would not send it again and will have me served. The rep then hung up on me and blocked my number. This company has numerous reviews listing their predatory ways of attempting to collect a debt. The debt they are attempting to collect from me is a XXXX XXXX credit card. I have told them multiple times that I know nothing of owing this company. I have requested that they send me proof that contains my signature where I agreed to a credit card with the ORIGINAL company. I also requested proof of activity on the card showing or adding up to the balance that is being reported. The company has not sent any of those items. This request was made in XXXX of this year and again in XXXX of this year. Both requests have been ignored. I will attach the final judgement and order that was placed on the company in 2020.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A