Date Received: 2022-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: midland credit management is sending threating letter about a credit card that some one eles used in my name i made a report agaist them and they still sending me threating me
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Midland Funding XXXX sent me a letter on XX/XX/2022, threatening to send XXXX XXXX sheriffs or the local police to my house saying if I didnt pay {$2000.00} or set up a payment plan by XX/XX/2022 Midland Funding XXXX has also been soft pulling my credit report every month for 2 years starting on XX/XX/2022 to current according to my credit reports They have also harassed my parents, who live at a different address, have a different phone number and are not involved in this attempt.
Company Response:
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2022-04-18
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 already discharged in bankruptcy and is no longer owed
Consumer Complaint: I resolved a debt from XXXX with Midland Funding LLC, XXXX XXXX XXXX and they took me to court in XXXX. I never recieved a proof of debt where the collection agency bought the debt and that I owed them the amount still. They put a lien on my property and never sent paperwork to arrange payments on this matter. Fast forward 10 years later and they filed a motion with the assistance of XXXX and XXXX representing them. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), MO XXXX. Phone : ( XXXX ) XXXX to revive the debt/judgement. They did so on the day before the 10 year grace period expired per the XXXX XXXX RSmO XXXX. When I called about the proof of debt they stated they didnt have correct address to send me paperwork then stated " we tried to but we didn't have the correct address and it got a notice to return back to sender '' however, if they did in fact try and send said paperwork how were they able to send me summons to appear in court to the same address they had on file? I went to my court hearing today on XX/XX/XXXX in XXXX XXXX and the mediator for the attorney 's offfice who doesn't even work for XXXX and XXXX stated they didnt have to send me anything to pay the bill or set up a payment plan which doesn't seem ethical at all. Now the original debt they said that I owed was {$6400.00} and that they incrued interest of {$6000.00} which made my total debt {$12000.00}. That amount spanned over 10 years is an interest rate of 20 %. Now I am an XXXX XXXX XXXX XXXX and that amount is against the law per XXXX and XXXX XXXX. XXXX The XXXX percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to and during military service to no more than six percent per year, including most fees which can be found at https : //www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra # : ~ : XXXX % 20 % XXXX % 80 % 93 % XXXX % XXXX % XXXX % XXXX, per % XXXX % XXXX % XXXX % XXXX % XXXX. Furthermore, the action taken by this company I beleive violates XXXX Missouri statute MO XXXX XXXX XXXX that limits the amount of time they have to collect on an old credit card debt they wish to settle. Lastly, I tried to contact XXXX and XXXX to resolve this debt and they were beyond rude with me and basically stated that they would not settle for any less than the {$12000.00}. I beleive they are trying to bully everyday citizens and are violating the protections of servicemembers. Please advise on what I can do to resolve this. Thank you for your assistance and have a great day. I can be reached at XXXX or XXXX.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. XXXX XXXX and midland credit
Company Response:
State: KY
Zip: 40475
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management bought my debt from XXXXXXXX XXXX after I defaulted on my credit card payments as I could no longer make the payments. They opened a collections account regarding my credit card from XXXXXXXX XXXX on XX/XX/XXXX and it was reported to each credit agency. I received a letter in the mail in XXXX saying they were going to sue me if I did not call them to set up payments. When I spoke to them in XXXX I informed them that was the first letter I received from them and demanded they send me all of the information regarding this debt. Due to it being close to the holidays, I would not have actually seen this letter anyway till after the new year as I would be staying at my parents and going out-of-state, which I made sure to tell them. When I got back I called them to set up payments. I asked if theyd be willing to knock some of the debt off but they refused to lower the debt at all despite me telling them I am on very limited income as I am a single mom on XXXX. I entered into a contract with Midland Credit Management to pay my credit card debt from XXXX XXXX that went into collections in XXXX, on XX/XX/XXXX by paying {$23.00} to them. I then agreed to make automatic electronic payments, once a month, of specific amounts, on specific days, using my debit card and then my checking account as backup since my debit card was to be updated in XX/XX/XXXX. I did an over the phone contract with them to agree to this on the same day, XX/XX/XXXX. MCM then sent me an email to confirm all of this and the receipt showing I paid the amount of {$23.00}. I also have an email dated XX/XX/XXXX stating that my electronic payment is due soon and would be automatically deducted from my account, then shows the last 4 digits of my debit card. After this I learned in my law class that these debt collection agencies pay pennys on the dollar for these debts and do have the ability to lower the debt amount. So Midland Credit Management could have lowered the amount of debt I would have paid especially knowing my circumstances being a full time single mom on XXXX, who is also a XXXX XXXX, but they just wouldnt. Since XX/XX/XXXX, they have not deducted the agreed upon amount and I have only received the one email from XX/XX/XXXX regarding it. I will also be disputing this on my credit report. I believe they are doing unfair debt collection practices to unfairly and deceptively obtain a debt from me, as well as using false, deceptive, and misleading practices which are covered under the FDCPA. To support my claims I will be including email communications with date and time stamp showing the agreed upon specified days that the specified amounts were to be paid until the contract ends. The email reminder from XXXX. I will also be including bank statements with my name and only the last 4 numbers of my bank account showing. This is to show Midland Credit Management taking the {$23.00} and then not following through on their contracted agreement in the months since XXXX. The bank statements will also prove that I did have money in my account when the specified amounts were to be taken out so that they can not refute by saying that I was the one to default on the contract by not having money in my account. Lastly, I will be including a copy of my XXXX XXXX benefit verification letter from the Social Security Administration to prove I am XXXX and receive it.
Company Response:
State: NC
Zip: 28752
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ! n accordance with the Fair Credit Reporting act Midland Credit Manag 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 Midland Credit Manag has ben sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The debt collector which is currently holding the amount owed from XXXX XXXX club is repeatedly calling up to five plus times per day from multiple phone numbers, unknown ( spoofed ) numbers, and under different debt collector names. This collector is based on Florida and is notorious for abusing people with their phone call collection practices. They are listed on the caller ID as Midland credit, XXXX XXXX XXXX, Unknown, and occasionally a number with no name attached.
Company Response:
State: TX
Zip: 75060
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management Inc, located at : CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX De La XXXX # XXXX, XXXX XXXX, CA XXXX MCM ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from XXXX Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the Midland Credit Management Inc requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and Midland Credit Management : USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called Midland Credit Management Inc, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " Company '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A