Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company Midland Funding which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has continued to harass me over 2 debts on my consumer reports XXXX, XXXX and XXXX that i have no knowledge about and is making false implications about threatening for legal action if i do not pay them. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. Midland Funding 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 to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.. The law clearly Defines that " communication '' is the conveying information regarding an alleged debt through " any '' Medium 15 usc 1692a ( 2 ). Notice it clearly says " any '' medium. Meaning you harass me with mail, phone calls, emails, and searching for location information from family members you are communicating with me without my consent. This is a violation of the FDCPA of {$1000.00} each time you break this law. So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report They are communicating and I am demanding They cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report According to 15 USC 1692e. A debt collector may not use any false or misleading representation. This includes the false Implication that any communication is from an attorney. Also, failure to pay any debt will result in garnishment. These are more violations of {$1000.00} you are committing. This company is illegally using my social security number and other personal identifiers without my consent which is a violation of federal law and a form of identity theft. Your company is committing felonies purusant to 18 usc 1028 aggravated identity theft I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland credit management is reporting an account on my consumer reports that i have no recolection of and they have absolutely no documentation to on this account to provide me to validate this account basically all they have is my name and an amount they are trying to collect on, no other form of documentation to prove this alleged debt. I have asked multiple times for validation and they can not produce any valid documentation. i was this account removed from ALL of my consumer reports immediatly.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-03-07
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 was result of identity theft
Consumer Complaint: My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Company Response:
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland credit management is reporting a collection balance of {$630.00}. I should not of the account anything but I paid the {$630.00} because I need it off of my credit report. I paid it on XX/XX/2022 and it is still not showing paid and they are still reporting to the credit bureau that I owe the money. On XX/XX/2022 they reported to the credit bureaus that I still had a {$630.00} delinquent balance which is a lie. Ive contacted them several times and they have agreed with me and the fact that I have paid the balance and that they say it will be on my credit soon but why are they still reporting it and open balance? It is very malicious in intent and adversely affecting me thanks for your time
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I contacted midland funding llc on XX/XX/2022 then again on XX/XX/2022 they sued me for a really old debt they never contacted me to tell me they sued me or to tell me of my court date ether when i called and tried to work it out they threatened me with court on XX/XX/2022 and said they will just garnish my check and wouldn't let me make a payment unless it is was in full they refused payments on both days 2 of the conversation 's where thru there online website. They are rude and hateful and they original debt wasnt half what they charged me. the added fees of over XXXX dollars on a XXXX dollar debt i tried to request dates and times thru a credit dispute but got nothing back. I explained to them they have to contact me about court dates as well and they said they dont have to this place is terrible to deal with and treat you like dirt please help. i payed the {$1200.00} because I want to fix my credit but the amount was wrong and just plan not fair to fee me more than the amount of the original debt ....
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt collector is trying to collect an amount that is not owed. I never agreed to this amount. I attempted to come to a agreement with them and they did not agree. I sent them a notice to delete from report because the amount is hurting me. Please delete this false number from my report. It is hindering me from moving forward in life. I cant get a home for myself and kids because I'm not trusted due to a false number that a credit card company is trying to collect. My credit limit was {$300.00} and their reporting {$680.00}. Their punishing me for basically having issues with with my finances.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My name is XXXX XXXX have been affected my covid and been going thru a legal desperation moved in with my father and have fallen behind on my credit cards. My XXXX XXXX was bought by midland credit. I would talk to them every month and get a settlement amount from them that was just too high and would let them know each month if my situation had changed. I finally was able to get help from a very close friend of the family who agreed to help me settle cuz I had helped him in the past. I explained that to midland and said please let me know what your best and final offer is and send me something in writing so then I can ssend to him and see if he could do. I spoke to a very nice person XXXX and she got my settlement amount down to XXXX told me that I would get an email confirming this and so that I can give to my friend to see if this was something he could do. I got the email and sent to him- he said he could do it. I tried to accept on line and had technical diff. Was told to call back and ask to speak with someone in the us and then ask for XXXX. In the meantime we lost our dad who was XXXX XXXX XXXX XXXX XXXX. Its been a very hard time for me. I did call back when I couldnt log in on XXXX of XXXX and asked to speak with manager XXXX I instead got to speak with a guy. XXXX expalied that I spoke with the manager XXXX and that we had a settlement for XXXX he said he saw that and would send me another letter and he said as long as I paid whats due in full by the XXXX of XXXX I would be okay ( all good ) I thought I gave him a routing and checking account number but, they said they didnt have it but, I did write it down in my notes I gave it anyways being that I was going through a lot it could have been an unintentional misunderstanding but, I was told as long as it was paid by XXXX XXXX Im all good. In the meantime please he friend that was supposed to help me informed me his dad passed and that he can do XXXX now but to see if he could get an extension for the {$390.00} So on the XXXX I called in and all the sudden was told that as of a couple days ago I was transferred to a diff Dept pre legal with midland- I explained what happened and they said now Im in a new Dept and they cant and wont honor that deal they first offered me a higher amount and then said they could offer me XXXX appx. I talked to XXXX and XXXX and they were nice but both couldnt honor the deal- I would have not know. I was in prelegal cuz I thought today they are taking the XXXX since its the XXXX and I only had called to see if I can get a small extention of the XXXX to find out that apparently my offer expired on the XXXX and what that guy had said is not going to be honored. I was super upset. XXXX told me they will upload the new offer good though the end of XXXX in the portal for me to take a look at and I had till the end of the month. I asked what do I need to do since this seems all to familiar just like what happ last time. She said Its good thru the end of XXXX. I tried to log in no offer was there and when I called back I could not get through for hours and then when they did transfer me to the us it disconnected. I really feel this has been unfair and I have been I. Contact and trying and I intensded to honor the first offer as I promiser but they would not take it and in turn sent me to lmtheir internal legal Dept threatening to send to local attorneys if I didnt take their XXXX offer this really isnt right. I feel that this should have been honored the XXXX of XXXX and even now the new offer is not even in the portal so this has been hopeless and Im really trying
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My debit went into collections with Midland credit Management. The agreement was to pay 50 dollars a month on time, if not paid on time as agreed upon it will no long be valid and further legal action will be taken. The settlement of the agreement was 800 dollars as of XX/XX/2022, because of paying on time. Paid the 800 dollars in full in XXXX of 2022. Filed a dispute and contact the creditor and they stated it was paid in full and did not have to deduct 50 from my account anymore which they didn't which would have came out on XX/XX/XXXX but paid in full with a representative on XX/XX/2022. If account was not settled as agreed upon then why 50 dollars was not deducted from my account. Why because I met the agreement. When check my report they added the remaining amount to my report which is also incorrect would like this matter to be resolved. Have dispute this creditor on two occasions with no solution please look into this matter thank you
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A company identified by my phone service as " Midland Credit Management '', is calling me every single day, with no comments. The few times I answered the phone, I just here silence. No even robot message. It is just absolutely annoying. Phone numbers used by this company to call on my cell are not always the same. I blocked some of them, but continue to vary and to call. This phone line where they are calling is new private line and it was not provided to any service provider. So can not correlate to anything other than the phone provider.
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A