Date Received: 2022-08-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Original Creditor - XXXX XXXXXXXX XXXX XXXX Collection Agency - Midland Credit Management Date opened XX/XX/2020 Balance - XXXX This is fraud I have never heard of XXXX XXXX XXXX Linked information to fraud card XXXX XXXX XXXX XXXX XXXX, Utah XXXX Midland would not disclose the phone number liked to the account but confirmed that it was not my number. I have lived at XXXX XXXX XXXX XXXX Utah my entire life and never have received anything from XXXX XXXX or midland credit management. I was first aware of this fraud a year ago when applying for a loan at XXXX XXXX XXXX XXXX, I did not have the means nor knowledge to dispute this until of now. Most importantly I was Incarcerated in XXXX County Jail prior to XX/XX/2020 My email is XXXX My number is XXXX
Company Response:
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I XXXX XXXX have been having a credit card collection debt on my account. The credit card collection is using INcorrect opened account date that collection remains on my credit after 8 years meeting FCRA requirements. Information of account : Original account : XXXX Opened date : XX/XX/XXXX Closed date : XX/XX/XXXX Collections account : MIDLAND FUNDING LLC Opened date : XX/XX/XXXX Closed date : Remains open. The collection on my credit report should have been dropped off from my account as of : XX/XX/XXXX. The collection remains on my account as opened using the Incorrect opened date. Collections agency MIDLAND FUNDING LLC opened collections on XX/XX/XXXX as opposed to XX/XX/XXXX.
Company Response:
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: For the past few months, I've been harassed this company Midland Credit say that I owe money which I don't. They call and send letters in the mail which is very stressful. They have violated several laws of the FDCPA 15 us 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. I REQUEST YOU DISCLOSE THE FOLLOWING IN WRITING.
Company Response:
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Funding has violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXX XXXX XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Midland Funding violated my rights by furnishing information on my consumer report without the intent to coerce payment in the amount of {$590.00}. On my consumer profile this account they are aggressively attempting to collect on is listed as a collections account with the account type DebXXXX buyer. XXXX XXXX XXXX XXXX assigned and sold the alleged debt to Midland Funding. I am requesting Midland Funding to provide me with a forward flow agreement between the XXXX. I called Midland Funding to ask for a debt validation. They could not provide me with the necessary documentation proving they have the right to collect, harass, or furnish incorrect information to the credit reporting agencies. Midland Funding is purposely furnishing the amount of {$590.00} as a balance owed to all CRAs.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: The company Midland Funding collected on a debt that I did not have with them, stating that I owed this debt from a closed account whose original debtor is XXXX XXXX XXXX. XXXX XXXX XXXX wrote off my account in XXXX for a credit card that was {$250.00} and midland funding stated my debt was sold to them for collections. I did not know who Midland funding was because I have never signed anything with them. They filed a lawsuit in a county hours away from where I live and my employer received a letter for my wages to be garnished. As of XX/XX/XXXX they garnished {$1000.00} stating that I owed {$940.00} plus {$60.00} court fee. I didn't believe there was anything that I could do about it so I did not do anything. Then I realized my check wages were garnished again while I'm out on medical leave and here it is the same company again in XX/XX/XXXX garnishing my wages stating the I owed {$670.00} which includes {$480.00} owed to them and {$190.00} in court summons. I don't understand how they are able to keep garnishing my wages and I don't owe them anything nor have they presented any paperwork that shows how I acquired this debt from them. This has put myself and my family under a very stressful and financial bind. After viewing my credit report it shows that I owe them {$790.00} more. They have had several different amounts on my credit report.This has left me stuck wondering where and what do I do next. There are no more paychecks left for them to garnish wages as I am on leave without pay and they took my final check. Can someone please assist me with this?
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Midland Credit Management attempting to collect a debt dated XX/XX/XXXX. I do not believe that I owe this debt. Upon reviewing my credit report I see that this debt is listed on my XXXX, XXXX and XXXX reports, I also see that there is a note on all reports that it is in dispute. I looked in my old files and see that I sent a debt verification letter on XX/XX/XXXX in response to a Pre-Legal letter that I received from Midland dated XX/XX/XXXX. I have never gotten a response to my request and am needing to verify that this is a debt that I actually owe. I have attached copies of the letters that were send and the certified mail receipt showing that Midland Credit Management did receive my request. I have had debt collection agencies try to collect on debt that I do not owe or old debt that I have already paid off or settled. I need Midland Credit Management to verify that they actually have the authority to collect on this debt. I've reached out to XXXX XXXX XXXX and have not gotten a resolution and also they are offering me new credit cards now.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management Inc reached out to me, behind the creditors, XXXX, back to call me so I can make a payment, and said I had NO option and no settlement even if this is or isn't my account. Now, I was told that I can make payments, and they will NOT add my account on my credit report, and I was a little skeptical but felt like let me pay something so I don't get in trouble ; but they also told me that I HAVE to pay and it will only be {$62.00} bi-weekly so they don't add it on my credit report. I am not liable for this debt with Midland Credit Inc and do not have a contract with XXXX. They do not provide me with the original application like I asked, so I want to get this settled so they can STOP taking my money out of my bank account. I did STOP the payments because something seems off about their methods so I want to get this resolved.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My XXXX XXXX Credit card is in collections with Midland Credit Management. The balance of the collection has increased. I just disputed this debt. Now all of a sudden the collections amount increases. Per your site, this is and illegal act. Midland Credit Management is in violation with such actions. The original debt is {$650.00}. As of today, its now {$650.00}. Which has impacted my credit score by a decrease of 9 points. This account has been in collections since 2019. With the amount owed. {$650.00}. Now all of sudden. After I depute the ownership of such collection account. The amount owed increased. And my credit score dropped 9 points.
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A