Date Received: 2022-03-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management has reported incorrect balances to credit bureaus and updated the tradeline with {$1.00} changes in order to keep the collection new and cause maximum damage to credit score.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not sure where this debt came from. There was already a XXXX amount from XXXX bank and i have called and this was already closed out. Now there is one that went to Midland funding in the amount of XXXX which does not make sense to me. I don't own this card either. I came to know about this during my refinance of my house.
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello..Ive consistently sent letters and have gotten no response, Im concerned about invalid items/inaccuracies on my credit report with all 3 bureaus pertaining to Midland Credit Management.Im under stress after seeing this problem on my report as it is disrupting my livelihood due to the adverse impact its causing.
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They have been told they have the wrong number, that I have never heard of not know anyone named XXXX & to stop calling me but I receive 1-3 calls a week.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when XXXX decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at XXXX contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. In conclusion XXXX XXXX The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this. 2. XXXX committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then XXXX committed a second count of fraud by selling the fraudulent account to MCM. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in. With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady MCM collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by XXXX. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. Finally, MCM is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of parasites. Quash this account and restore my credit IMMEDIATELY!
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
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: I received phone calls everyday from XXXX to XXXX est from Midland credit in the entire month of XX/XX/XXXX. I explained to them that this is not my debt, to send me an itemized report. They demand to get my social security number, that I'm a thief, I'm going to jail, and finally that all my things are going to be taken away and I'm going to end up on the street. They called my job, my landlord and my family members harassing them. I never gave out numbers, so it's scary to know how they got it. I received a court date letter, with a thousand dollars added to the original amount they claim I owe ( XXXX due, original XXXX ). I do not owe Midland Credit any money.
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2022 I sent a debt validation to Midland Credit Management , Inc. about 3 alleged debts ( from XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX ). They only responded about one account and did not provide proper proof. They have illegally obtained debt from 3 different companies and have violated my rights under 15 USC 1692.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX a federally protected consumer and I am making another complaint against Midland Credit Management regarding an account that they purchased from XXXX XXXX I have sent your company several correspondences, however, they always seem to be returned to me, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Midland Credit Management any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I still have not validated any alleged debt with Midland Credit Management and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX, MIDLAND CREDIT MANAGEMENT, and myself, giving Midland Credit Management any right to collect on this alleged debt. It is my belief that Midland Credit Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA. Please see attached documents for reference.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Midland Credit Management for committing identity theft. I have never given Midland Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Midland Credit Management before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Around XXXX while living in XXXX XXXX, I owed XXXX around {$3500.00} when they changed the small print of debt swaps for {$0.00} interest. While I was still making payments, they sold my debt to unknown persons. In XXXX, when I had moved in with my parent in northern XXXX I was approached while mowing the back yard lawn by a woman with a fake police badge and a court document, which I assumed was fake, about collecting a debt. I refused to sign. They sent me something in the mail as well, from Asset Acceptance, alleging that I was wanted in court, which I assumed was also fake. A week or so later, a large middle-aged man came to the door and entered the house, loudly demanding that I file for bankruptcy, which I found absurd for such a small amount. I had to push him out of the house. In retrospect I should have called the police. I remember wanting to do so. I felt that I had been subject to discrimination in that area of XXXX ( XXXX XXXX ) by employers because I am an XXXX War veteran and so I was somewhat used to negative treatment. I never heard from Asset Acceptance again until a year into working for the United States Postal Service in XXXX, XXXX, in XXXX, when they began garnishing my paychecks for over {$9000.00}. This time they were under a different name, Midland Credit. That's because Asset Acceptance was disbarred by the XXXX XXXX XXXX due to a class action lawsuit. I immediately took them ( online, virtually ) to the same small claims court in XXXX, XXXX, which had apparently aproved the debt collection, arguing that the debt was time barred, but to no avail. The judge felt that I should have contacted them. I did in fact contact Midland Credit in that timeframe and the virtual chat person gave me the run around. I just read the CFPB report on your actions against Midland Credit and am wondering why this company is still allowed to do business in this manner. They prey upon the poor, hoping they won't be able to defend themselves. This certainly isn't an American virtue, let alone the propper way to do business in any country.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A