Date Received: 2022-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have sent documented requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX requesting validation of this debt with my wet-signature where I have entered into an agreement with this company. This company is not able to nor have Midland Credit Management supplied me with any documentation where I have entered into an agreement or binding contract with them. The most recent bully tactic being used is a lawsuit threat dated XX/XX/XXXX for services I have never received from Midland Credit Management. I am being harassed for {$2200.00} worth of debt from this company and it is preventing my ability to gain credit because an egregious debt from Midland Credit Management is listed on all three of my credit bureau reports.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX or XX/XX/XXXX I received letter from MCM collection company that it says I owe {$26000.00}. I contactact them it is an unknown account and I don't owe any credit card company 's money. After that call, they send me the documents that XXXXXXXX XXXX total amount of I owed in XXXX and Judgement documents. And XX/XX/XXXX They sent me a another letter that they had reinvestigated but I still have to pay for which is that I don't agree. What can I provide to them to clear this dept charge? I don't even received any statement from XXXX XXXX before. I don't have anything to provide to them. This must be a frouded account.
Company Response:
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2022 i contacted Midland Credit Management, about a account that existed without my knowledge. Prior to contacting Midland, I was receiving repetitive notices from local lawyers dealing with debt management. I contacted one of the law offices, to my knowledge I did not know of any open cases I may have. I contacted XXXX at local law firm in XXXX Florida. When i contacted this law office i was told they were unable to view the case. I directly spoke with Midland credit that same evening on XX/XX/2022. I spoke with a representative named XXXX and had my call escalated to XXXX who represented herself as a manager for Midland Credit. The debt was incurred from XXXX XXXX Bank, for a debt that was incurred in the peak of the pandemic shut down. The debt is {$1100.00}, with new additional charges with the buyer of this debt account, the new debt has risen to over {$1800.00}. on XX/XX/2022 I agreed to pay a debt I feel was wrongfully incurred. XXXX XXXX during the time of the pandemic was not reflecting my active payments toward my account. Instead, i continued to incur new fees and numerous payments were made that did not reflect. With the stress of the pandemic financially and emotionally, the account to my knowledge i stopped receiving updates on the account when it was understood i would not be able to make payments due to the impact of covid on the economy. On XX/XX/2022 i was haggled into agreeing to pay {$25.00} bi-weekly to pay of this debt, the agreement being that legal action would be stopped immediately against me. XXXX assured me after the payment arrangement was setup she would connect with the legal department to stop any further legal action of being sued. The first payment was set for XX/XX/2022. I provided the manager XXXX with checking account info for my Daughter 's account who authorized the payment to be debted bi weekly from her account. the routing and account number were taken and everything seemed to be almost squared away. As i monitored to see if the payment ever was received i contacted Midland on XX/XX/2022 and spoke with a representative who agreed the payment had been received and my account was in good standing. On XX/XX/2022 I received a summon from the court to appear, as midland credit is still in its interest of suing me. I spoke with a XXXX manager at midland credit, who did not address my concerns, but rather bullied me into new information I was not aware of. Speaking with XXXX and XXXX almost seemed like speaking to completely different companies. As XXXX informed me that the account that was provided could not be used. However, the account used is a bill payer account that is actively and widely used by companies. I gave a new card on file to continue the payment arrangement. The issue is false representation from the representatives at this company and a complete lack of ability to address concerns. All calls are recorded and monitored at Midland credit. My hope is that all my attempted calls made to midland credit are heard. This lawsuit over a petty credit card debt seems more targeted due to my age and assets than it is for actual financial damages. This has caused me an immense emotional and financial mental burden. Constantly feel financially inadequate to support my family. I made the attempt to handle my debt, it should not be chasing the debt collections company to pay my debt. There should be some acknowledgment and notice that there is a debt to collect. And should a debt attempt to be collected no amount should be turned away in this economy. Midland credit in essence has caused me a lot of stress, along with XXXX XXXX. With the unprofessionalism and lack of documentation for clients dealing with sensitive information, midland credit should be reprimanded.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, Midland Funding LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Company Response:
State: FL
Zip: 32726
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im looking for assistance or direction on how to handle a situation with XXXX XXXX XXXX XXXX as their teller XXXX XXXX who is dating my ex spouse who Im in child custody court with At the time and she did that at his request or her thought to do it, he then called me and told me she did XXXX which time I reached out directly to the branch manager XXXX XXXX to inform her - commando was in placed on suspension and I and I received two letters from the corporate office to let me know the situation was resolved with an apology. I thought that was the end of it however I still had to keep my vehicle loan with them as I refinanced it at the same time I refinance my car due to the separation after nine years with my spouse and we have two children in common together I have three total so now Im being a single mother and paying a lawyer I have since had nothing but issues with my car payments which I have made duplicate payments the entire year last year where they have side has went to XXXX XXXX XXXX that they have put on my vehicle XXXX I have XXXX I have sent that policy to them numerous times, Ive uploaded it to their portal which is allied insurance, Ive had my insurance agent who does my house insurance my liability insurance for my company and my vehicle insurance speak to them they have yet to takeoff XXXX XXXX XXXX they have yet to credit back the account and then when they do say if they did wan na credit it back it would go to principal only which is not something I agreed she was a single mom I can not afford to pay duplicate payments to go to principal only they have updated this to my credit report so now I do have a bad credit score because I have late payments unnecessarily, and I also have money sitting in a bank account because they refused to put it towards my vehicle payment and the collector I spoke with XXXX and I quote would not let me speak to a supervisor numerous times they did a audit in XXXX which they refused to provide to me after I asked for it numerous times they locked me out of my online banking, and it has been nothing but harassment since the situation which just happens to be the branch she worked at. They still have {$900.00} they have not applied to my vehicle loan sitting in a bank account that I did not open and I requested to be closed win their teller got caught going for my accounts. I have all the text messages screenshots letters from the bank and communications so I would greatly appreciate any assistance you can offer with us or direction on who I need to reach out to. Ive already reported this to the XXXX as well but the bank is offering no assistance they will not speak to me I am at a loss.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt is a result of identity theft Midland credit management Account # XXXX Opened XX/XX/2021 Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from Midland Credit on XX/XX/XXXX stating theyre trying to collect a debt that not only in 2019 was ruled identity theft but reported to CFPB. There is also a case with CFPB on them for attempting to collect this debt in a few years back. Now its 3 years later and theyre illegally attempting to use scare tactics to collect one something not owed to them. There is a legal affidavit filed for this and they are still trying to collect. Not only was a complaint filed for this but also illegal debt collecting practices over the phone and a letter was sent out requesting Identity of the debt collector, including name, address, and phone number The amount of the debt, including any fees such as interest or collection costs What the debt is for and when the debt was incurred The name of the original creditor Information about whether you or someone else may owe the debt They clearly cant understand whats going on because in XXXX complaint XXXX with a ftc affidavit attached they stated please provide one which was given to them already and the company they claim to have gotten from. Attached is a copy proving this was attached. They were also physically mailed this in 2019, had an attorney general report and have the XXXX cases to prove this was all provided and reported
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2022 I was summons by Midland Credit Management. I called their attorney to ask what was this about and was told that I was being sued for 2 credit cards for {$3300.00} 1 plus court fees unless I paid {$100.00} down and {$200.00} a month until debt is paid. I was told if I miss one payment, the judgment would go into effect. I received this the same time I was being served with eviction. I was terrified and devastated. Out of fear, I paid the {$100.00} dollars on XXXX. But I began to ask questions because I didn't know which credit card was owed what and what were the mysterious court fees. I called 3 times and got a different amount each time. It was stressed to me to sign a judgement letter as soon as I received it in the mail and rush and return it so I wouldn't get sued. I was told the judgement letter would stop the law suite and the creditors would not come after me any more. The guy representative on the XXXX of XXXX said once they receive the judgment letter, they will call the credit card companies and let them know that I signed the judgement letter and they can stop the suite . Everything began to sound shady. After sending the {$100.00}, they sent a letter stating that I agreed to a recurring payment of {$100.00} and I didn't. I stressed it was one time. I didn't return the letter, I answered the summons, and sent a cease and desist letter never received a debt validation later or the chance to dispute. They knew I was being evicted and used that to scare me even more. I'm waiting on my court date. I decided to fight back.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANA GMENT has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. - MIDLAND CREDIT MANAGMENT has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents. 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: 60624
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a summons from Midland Credit Management Inc. and provided answers to the court. I also sent certified letter to the XXXX attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, ) for " Request For Production. '' They did not respond. Although I have proof the letter was signed & received by their office on XX/XX/XXXX. They also failed to show up to court on XX/XX/XXXX. The next hearing has been rescheduled for XX/XX/XXXX. My lawyer and I are prepared to file suit against Midland Credit Management for fraudulent debt collection if they can not properly validate the debt or dismiss the lawsuit before the next court date.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A