Date Received: 2022-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Per what is showing and in dispute on my credit report date-XXXX amount- {$810.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX amount- {$590.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from XXXX XXXX in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to Midland Funding. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky Court House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. XXXX XXXX
Company Response:
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection agency Midland Credit Management has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 3 times {$3000.00} 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 4 times {$4000.00} - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number 3 times {$3000.00}
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX dollar debt was charged to XXXX XXXX bank, that was not account I did not open. I have filed a report with the fraud department as well
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received a phone call XX/XX/22 threatening legal action.Called XX/XX/22 threatening legal action again. I requested a verification letter on XX/XX/22 and XX/XX/22 they stated they mailed it and I should just pay my bill. XX/XX/22 I requested the information to send a validation letter. I was told to go to the website, I again requested the address and he told me that what I need to do is take care of it and just pay it. I again asked for the address to send the validation letter and he told me I was being sued. I again requested the address. He finally gave me the address and then continued to ask me if it was my debt and how was I going to take care of the debt.
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( XXXX XXXX ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by XXXX XXXX on or about XX/XX/XXXX. XXXX XXXX continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by XXXX XXXX. I was denied my request for any information besides a generic debt validation letter.
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am trying to refinance my house and they said I owe XXXX to Midland funding, I don't know who Midland funding is and I don't owe them anything. I have checked my credit report and my credit is good and nothing from Midland funding on it. I have in the past been a victim of identity theft and fraud. I have numerous of credit cards and also can get anything I want with my good credit. I want this matter resolved because it is messing with me trying to refinance my home. This has never happened to me before. I don't owe this debt, thanks in advance.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had been receiving threatening phone calls from Midland Credit for months, until finally I answered another phone call from them and the man on the line told me that if I did not set up payment arrangements for this debt, or pay it off, that they would start the process to take me to court to sue me for the debt that was owed. Not understanding the laws, I was extremely afraid, began crying on the phone because I was so scared that I set up payment arrangements even though my account was in the negative. He told me I would need to pay at least {$50.00} that day to get the payment arrangement started so I agreed to make the payment and then I told him I could not afford {$50.00} per month, so he said the lowest he could do was XXXX. He also said this would be reported to the credit bureaus. This was harrassment, threatening, and false information provided in regards to the payment amounts, ect.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XX/XX/XXXX, a debt collector from " Midland '' named XXXX XXXX called my school ( I am a teacher ) and told my principal that I was going to be sued for non payment of a loan. He then told her that he was coming to the school to give me a summons. My principal asked him not to come to the school. She then took down his information and gave it to me. I called back immediately and talked to another debt collector for the company and explained that I DID NOT want anymore calls coming to the school. He told me that he had every right to call me at work and that he would continue to do so. The debt he was calling about was to XXXX dated XX/XX/XXXX. This has been extremely embarrassing and humiliating. I have never had this happen before and it caused me to look very unprofessional. Not only did it interrupt learning of my students, but I had to leave class to handle the situation. The number for the company is XXXX. Thank you.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX XXXX ''. I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. I have even challenged this thru XXXX, but the answer I always received is " verified ''. Midland Credit refuses to tell me what the bill is for, and what services generated this debt? I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations.
Company Response:
State: AK
Zip: 99654
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A