Date Received: 2022-07-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got a notification on my credit report about a collections from midland credit regarding a XXXX card that i never had. I looked up the statements and they have my address but i never had this card. there is a balance of {$4300.00} and I only have one card with a {$4000.00} limit which is my dcu card and I still have it in great standing. I have disputed this with the credit agencies like XXXX, XXXX, and XXXX with no luck. I have called MCM ( debt collector ) about this and issued a fraud dispute with them. I have been trying to get this removed from my credit report because ITS NOT MINE!
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Credit Management XXXX, contacted me claiming they were the " legal '' in a sneaky way to imply they were lawyers. They demanded personal information without verifying/validating the debt. Then they filed suit, and in accord with my the Courts wishes I filed for " alternative dispute resolution '' - despite only authorizing the mediator to speak to the attorney - the attorneys provided a number that was to their collection line- while I understand this is possibly not a violation it is at best bad faith and smacks of representing that the boiler room collection employee is a part of the " legal department. '' XXXX {$6200.00} XXXX XXXX
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX accordance with the Fair Credit Reporting act XXXX XXXX t, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have made several complaints with your company and I received your last correspondence yesterday from your company stating that your company was accurately reporting the information to the consumer reporting agencies. In addition, in my last complaint to your company, you stated " A review of our records indicates that the account information we are furnishing to the three major credit reporting agencies remains accurate. '' Therefore your company is in dishonor as you can see in my attachments that your company is inaccurately reporting to all 3 consumer reporting agencies. This alone should have this " alleged debt '' removed from my account as this is in violation of 15 USC 1681i.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On or around XX/XX/2019, Midland credit agency brought an unverified debt from XXXX XXXX. This debt was not verified with the consumer. Please provide documentations that supports why you believe the consumer is responsible for the debt, and why you believe the consumer owe this specific amount. I would like to see proof of your five days of the verified " post dated letter '' letter to the consumer in question, proof of debt, with the '' XXXX XXXX Ink Signature '' and " Court '' proof. XXXX U.S.C 1692 ( F ) section 808 Validation of debts, 15 U.S.C 1692 ( e ) section 807 false or misleading representations. I DEMAND this account ( MCMXXXX ) be deleted immediately or I will file for litigation due to the stress you caused me and my family.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The credit Card was issued by XXXX, Account Number Ending In : ( XXXX ) in the Balance of {$3700.00}, and the account was sold to Midland Credit, with the help of XXXX the account was negotiated and settled on XX/XX/2021, in the total of {$1800.00}. Midland Credit shows this amount under collection in my credit report, I tried to resolve this issue but unfortunately getting no where,
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I signed up with a credit repair company called XXXX XXXX XXXX ( XXXX ; XXXX ) ... for a debt of about {$3000.00} during XXXX. I was paying {$100.00} every month. I kept my commitment and paid every month through XXXX. During the covid pandemic I lost my job but I continued to pay when I could. I asked for a repayment plan that would work with my situation. None was ever offered. The debit was then transferred to Midland Credit Management. Midlandcredit.com. ( XXXX ; XXXX ; XXXX ) ..I don't know why it was transferred. I was never informed about the transfer of my debt. For some reason, some of my payments weren't accepted. I called to ask why and they never explained the reason why my payments weren't accepted. I then received a notice in the mail in XX/XX/XXXX that my debt was now increased to {$1000.00}. I had paid the debt down to {$100.00}, so I did not understand why my debt was increased to over {$1000.00}. I called Midland Credit Management in XX/XX/XXXX and inquired about this increase. They did not give me any answer. They said they declined my payments sporadically .... for XXXX, XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX. They did not give me a reason why. Now Midland Credit Management states that I owe {$1000.00}. They have never explained why my debt has increased over 10x. They intend to file on my credit report. I beleve both of these companies are engaging in illegal and predatory practices towards their customers. Can you please investigate and help me determine how to prevent these 2 companies from negatively impacting my credit score.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am the victim of XXXX credit card fraud activities and {$7400.00} charges. I have been trying to resolve this issue on my own for more than one year and a half, charges was been taken off and then put back on my credit report. Not only this, I am constantly and continuously harassed and threatened by collections companies. I have communicated with the XXXX credit card company and reported the fraudulent account and the charges over the phone many times. Here is the rundown of my communication with XXXX. On XXXX XXXX, I spoke to XXXX XXXX fraudulent department about the account activity. I was on phone for more than an hour. They assured me that it will be resolved within 3-4 weeks. On XXXX XXXX, I called them again to find out the status of my fraud report. Instead of resolving the issues and fraudulent acts, they were asking me for the payment. After staying on phone for more than a couple of hours, I was able to speak to an account specialist who assured me it will be resolved within 72 hours. On XXXX XXXX, I called them. From the fraudulent department of XXXX, they assured me that the matter will be resolved soon and I did not have anything to do with this account. On XXXX XXXX, I called again and they told me that this account is closed and will be reported to the credit bureaus. On XXXX XXXX, I called them and they told me that the account is closed and reported to the credit bureaus. On XXXX XXXX I went out of the USA . On XXXX XXXX, I received an email from XXXX XXXX that, instead of resolving that fraudulent account, XXXX has reported as missed or late payment to the credit bureaus. Then I communicated with XXXX over the phone, got a case number, and sent mail to all of the credit bureaus with documents proving that I have nothing to do with the card and charges because the charges took place while I was not in the state and country where the charges took place. I am desperately in need of your help as a responsible consumer to finish this frustrating financial fraudulent issue once and for all.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX, I saw a charge of {$260.00} from Midland Credit Management. I called Midland Credit Management and the person on the phone said a personal check had been written to XXXXXXXX XXXX on XX/XX/XXXX to purchase a XXXXXXXX XXXX that was used for 6 years when payment on the card stopped. Previous balance on the XXXXXXXX XXXX statement is {$87.00}. The original account number from XXXXXXXX XXXX is XXXX. Date of charge off was XX/XX/XXXX. Current Servicer is Midland Credit Manageent , Inc. Date purchased XX/XX/XXXX. The letter from XXXXXXXX XXXX is addressed at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have never had an account with XXXXXXXX XXXX and I never had a XXXX XXXX. This a fraud and identify theft. Thank you for our attention to this matter.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 1. MIDLAND CREDIT MANAGEM # XXXX / {$1400.00} 2. XXXX XXXX XXXX # XXXX / {$630.00} XXXX. XXXX XXXX XXXX # XXXX / {$940.00} 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A