Date Received: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: During a pandemic or in XXXX I was never contacted thru the debt company or never had a letter from Midland Credit to confirm if the debt amount is true or correct. Fast forward to XXXX, I contacted midland credit and told them that this is the wrong amount and I never own that money. They started threatening me that you have to pay this $ $ or else we will come after your paycheck, etc HOW CAN I PAY WRONG AMOUNT?? This is a threat to the community and unethical practices.
Company Response:
State: IL
Zip: 60074
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management DOES NOT have first-hand knowledge of the account and failed to furnish the original wet ink signature of the assumed debt. Midland Credit Management is NOT in compliance with the Fair Debt and Collection Act. Midland Credit Management violates Federal 15 USC 1681-B. They DO NOT have permission to access my personal information such as my social security number. Midland Credit Management Inc. violates Federal Law according to 15 USC 6802 which states that a financial institution may NOT sell any personal information to a third party or affiliate. Midland Credit Management is reporting illegal activity when reporting my personal information. Midland Credit Management provided insufficient information ( per my request ) prior to the last hearing and was unfairly given another opportunity by the Judge to provide said information again which they failed to do.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The companies thats reporting on my report are : XXXX XXXX XXXX XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: MIDLAND FUNDING debt collection reported incorrect information to the credit bureaus after I refused to pay off debt. In XX/XX/2022 I spoke with the company in trying to resolve debt and I could not pay what they were asking at the time. The company changed the balance to increase by {$1.00} ( {$950.00} to {$960.00} ), reported a recent late payment of {$0.00}, and changed status of account to open instead of closed. This is in retaliation for me not paying off debt and repeatedly asking them to verify debt.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Credit Management sued me for a credit card debt from XXXX XXXX XXXX, prior to the summon they sent me, i contacted the organization via calls to send me validation ( the signed agreement ) of the alleged debt, but they declined my request. When i received the court summon from them through XXXX XXXX, i wrote XXXX letters to both MCM and their representative requesting the same document, they replied with only statement, bill of sale and was missing the agreement on the card. They kept on referring me to each other. I made several efforts to request the signed agreement all to no avail. Prior to the hearing, in late XX/XX/2022 i called Midland Credit management seeking to speak with a customer service and requested the signed agreement on the card, the individual could not provide any definite answer to my request but instead i was transferred from XXXX department to another. After spending long minutes on the call, i was transferred to a XXXX with XXXX accent, who asked for my NAME, DOB, ADDRESS AND SSN to authenticate me, i refused to give her because i was skeptical and asked her to provide me the information instead. She read out all my PII which i confirmed and asked her for the signed agreement on the alleged debt which mentioned she doesn't have the document. She informed that the call was been recorded for debt collection purposes. During my conversation with the lady to me, i asked her if she can transfer me to her supervisor or manager to request the debt validation document, she said " yes '' and placed me on hold for like XXXX minutes, only to come and notified me that there is no supervisor available at this time because of time zone. I was amazed and out of curiosity asked her where she was located because i placed the call during working hours here in United States, she replied and said she lives in XXXX and was working for Midland Credit Management from there, i asked her the same question the second time to be sure, she confirmed her employer is MCM and she works for them from XXXX. Then, i asked her what rights she has to access my information from outside the country when i did not sign any document with MCM to that effect, she was shivering and i immediately requested i must speak to someone here in the MCM in the XXXX to know what my information was doing abroad. She quickly put me on hold and went away. That was when discovered and realized that Midland Credit Management has been routing their customer service number and calls from the United States to XXXX, ( probably for cheap labor ) exposing consumer 's Personal Identifiable data outside of the XXXX without notifying us or receiving any authorization from the owners of such data or the banks they bought those debts from, which is violation of CFBP and other privacy law. At that moment, i connected the dots that scamming attacks i have been receiving of text messages from different phone numbers, threatening voicemail that my SSN is fake i need to call a certain number or i will get arrested was probably due to their carelessness. I have attached to this complaint the XXXX letter i sent to Midland Credit Management to explain why my data was sent outside of the United States without my authorization, i never received any response, the only reply i got from them was the bill of sale, few statement on the alleged debt. They are only interested in pressuring consumers with their demands while neglecting their responsibility to protect the data they acquired from banks as the law required. I mentioned the data mismanagement issue to the judge at the hearing, he informed me i can appeal his decision. The judge awarded them {$1400.00} in judgement, only for XXXX XXXX to write the judge they want full amount on the debt. I received the second judgement from the courthouse. Due to my struggling financial situation, i apply for an appeal and filled out a waiver for payment, it was not granted and i was out of town that was how i missed the appeal application deadline, I have plan to pay the judgement and will also get to the root of my privacy violation. A complaint was filed against MCM to XXXX XXXXXXXX XXXX, they were contacted only to reply with bill of sale, statement and an agreement without my signature or name on it. They were asked to address my concern as to why my information was in XXXX, they dodged the question only to reply they take the allegation seriously without providing any straight answer to admit and fix the issue. I conducted online research about Midland Credit Management, there were several lawsuits and class action against them in different states because of their predatory, malpractices, harassment against consumer 's. Even, the XXXX XXXX XXXX sent me a letter that they have been sued in XXXX before because of their bad practices and got a judgement against them. The XXXX XXXX office offered to intervene, that i should give them a lump sum of {$1000.00} to their representative here in MN which they refused and insisted that i pay more than the judgement assigned to them in installment or pay {$1500.00} lump sum onetime payment and must sign agreement. In the document of agreement, their representative wrote that after i made the payment of {$1500.00}, i'm forbidden to discuss the breach and mismanagement of my data to anybody or organization. That i will release Midland Credit Management and XXXX XXXX from any future legal action, of which i replied them i cant sign my rights away because i must get to the root of the violation of my privacy and what has been done to address it. Also, the agreement they proposed indicates the admission of guilt of my claim against them. If Midland Credit management wants to dispute my claim of data mismanagement, kindly request the recorded conversation i had with their organization on that day which is untampered evidence directly from them. Also, I plan to contact XXXX XXXX XXXX who sold them the allege debt to file a complaint and other finance government agencies in the country until Midland Credit Management resolve my concern. I lived in XXXX, they bought the alleged debt in the XXXX, they took me to court in XXXX, why is data mismanaged and expose by them to XXXX, i need answers. I will use every legal tool available to defend claim until it is resolved. Kindly, investigate the business practice of Midland Credit Management as there may be other consumer 's data affected by their malpractices and take necessary action to deter future occurrence. Thanks.
Company Response:
State: MN
Zip: 55421
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill from Midland Credit management that i did not recognize so on XX/XX/XXXX I sent them a letter requesting validation pursuant to FDCPA 15 USC 1692g. I requested a Creditor/Debt Declaration ( a form was attached to letter ) documents and information and requested that they respond within 30 days or request the account be deleted and removed from my credit file and a copy of deletion request be sent to me. On XX/XX/XXXX I received another statement without validation or documents. Then on XX/XX/XXXX I received a XXXX envelope that contained another statement and pamphlet on debunking collection myths. I didn't know why they would spend money on XXXX without sending any documents. At this point i called them, and the 1st person i talked to claimed they had sent me the documents and information but it was sent to the wrong address even though they had my address, he said he will connect me to " regional support staff '' who said they sent me the information in XXXX and said since i didn't get it he would send it to me again now, I told him no that at this stage I wanted him to remove the information from my credit file, and to cease and desist all communication with me. ( I still have the recording of the conversation ). On XX/XX/XXXX i again received correspondence from them dated after i asked them to cease and desist. So I sent another letter also requesting that they cease and desist, this time with a return receipt which they stamped XX/XX/XXXX ( although it was delivered on XX/XX/XXXX at XXXX XXXX ) And again, today XX/XX/XXXX I received some more correspondence dated XXXX XXXX. It looks as though they closed the account on XX/XX/XXXX and the information is still apart of my credit history as a closed account or collection account.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX has sold my personal information to MIDLAND CREDIT MANAGEMENT , INC and they have sued me for an alleged debt they have no right to collect, now they are garnishing my wages. They are purposely injuring me the natural person. I had no credit transaction with MIDLAND CREDIT MANAGEMENT , INC
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: MIDLAND CREDIT MANAGEMENT is furnishing an account to my consumer report without providing me with prior consent via certified mail giving me the opportunity to dispute the debt or opt out of any relationship with their company. This is a violation of my consumer rights. I demand MIDLAND CREDIT MANAGEMENT cease and desist all communication regarding this alleged debt through ANY medium ( including my consumer report ). Failure to comply will result in legal action being taken.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND CREDIT MANAGEMENT , INC., are indeed third-party debt collectors under the very definition of a third-party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ) and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid, you would not be sending me a collection letter assuming the debt was valid now, would you? Pursuant to 15 USC 1692c ( C ), MIDLAND CREDIT MANAGEMENT , INC., is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See Ayala v. Dial Adjustment Bureau , Inc., Civil No. N-86-315 ( EEB ) ( D.Conn. Dec. 4, 1986 ) ; Riveria v. MAB Collections , Inc., 682 F. Supp. 174, 175-76 ( W.D.N.Y.1988 MIDLAND CREDIT MANAGEMENT , INC. , gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; MIDLAND CREDIT MANAGEMENT , INC. , have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with UCC 3 302 . See Gearing v. Check Brokerage ; Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT , INC., have committed several federal violations against me, a private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) IDENTITY THEFT ; obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy. SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. MIDLAND CREDIT MANAGEMENT , INC., DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General SSA and file a report with the federal authorities. I demand they provide the following documents immediately if they continue to use the fiction name for their entitys personal commercial gain then ; Send a copy of their Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of their bond ; provide name, address, and phone numbers of the owner ( s ) of MIDLAND CREDIT MANAGEMENT , INC. ; Provide name, address and phone number of their insurance company. Furthermore, reporting false and misleading report to the three major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion. Conduct yourselves accordingly
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A