Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit Management contacted me XXXX XXXX regarding an account that has not been paid in full. My ex-boy friend XXXX XXXX purchased a bedroom set solely in his name at XXXX 's XX/XX/2016, who is now diseased. XXXX years later I receive a call from Midland Credit Management for the balanced owed telling me it was in my name. I sent them the proof of purchase and his Autopay Account with his information. I am reporting theft of my Social Security, I did not give anyone my so Social Security number for this purchase.
Company Response:
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I filed with a Debt consolidation in XX/XX/2019. {$280.00} down, XXXX per month on {$5.00}, XXXX worth of debt. After a little over a year. I was told by my bank that my credit score had dropped to XXXX. I was almost in tears. explained to her what had happen. She told me to cancel this and not ever just into something, that its messing up my credit. She showed me that only one bill of {$400.00} was paid off. I called MCM and ask how much money have they taken from my account, and why the small debt hadn't been paid.she said I only have XXXX left in the debt consolidation account and they have to wait to they collect more money.So I ask where was all of my money going they told me that they paid one bill and they have to pay lawyer fees also. Thats when I stopped everything and changed my card, while I was there in the bank they was at the time trying to take money from my account. So now! the MCM took over the XXXX XXXX account of a little over {$900.00}. I didn't hear from MCM. For about 3 months. I kept calling XXXX XXXX telling them I want to start back paying my bill with them. They say that I didn't owe them. I said I know I owe the bill. I went through a lot trying to find out who have my bill.Finally about 2 month later someone gave me a number to call. I finally got to the bottom of everything, and sent out letters to everybody explaining the situation. I was caught up in going through the death of my brother and I fell for this scheme at my weakest moment.with this Debt consolidator. So the MCM. started accepting my payments. For a while I had to ask for. statements. From then own, they call me all the time constantly. For no good reason. I make my payments on the XXXX of every month. Never late. One month I made one and another on the XXXX. they called me and said I still meed to make one on the XXXX. I said I made it on the XXXX because the XXXX fell on I think a Sunday. So I did. Now they calls and say I need to make payment arrangement and do an automatic draft. I refuse the Auto draft. I keep telling them that my payments is the same date that I have been paying on which is the first of every month. They say they don't see where i made arrangements. They are doing this to try and force me to let them do auto draft. I keep telling them no., but they have been doing this for 2 yrs. I am a XXXX and I have uncontrollable XXXX XXXX XXXX.. They are already being paid for more than I owed XXXX XXXX itself and I am never late on my bills.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My account with XXXX XXXXXXXX XXXX is currently is in good standing with a zero balance was illegally sold to a debt collector who is ruining my credit, harassing me for payment on an account I do NOT owe on. I have gone over and over with both companies- XXXX XXXX has me in good standing, zero balance and says I was not sent to collections, but yet can't help me figure out what is going on. When I speak to Midland Credit Management they say I owe this account. I have sent in years of statements to prove I don't owe this, to show my accounts are in good standing with a zero balance. XXXX XXXX keeps hanging up on me and Midland gives me the run around now. I don't know what else to do at this point. I will be meeting with an attorney to sue them both, but what they are doing is ILLEGAL. Midland account # XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: A certified mail document was sent to the wrong address. I havent lived at this address in over 6 years. With that being said, without being officially served, I had to look up the court documents. Which states I have a court hearing on XX/XX/2022. Midland Credit Management is currently suing me, improperly had legal documents served to an incorrect address. This company has been harassing me, through several phone calls to myself and loved ones. I havent received any documentation in the mail or sufficient evidence from Midland Credit Management regarding the reason why these charges were recently filed against me. I have no information regarding what debt this company is trying to collect.
Company Response:
State: PA
Zip: 17046
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX on XX/XX/17 Harassing robo calls that when I answer they delay quite a bit before continuing but began by saying this is a recorded line.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management Inc. ( MCM ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX has been sending me collection notices in the amount of {$460.00}. 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. I sent out a debt validation letter XXXX XXXX to XXXX and XXXX and a debt validation letter to Midland Credit Management on XXXX XXXX. I received a letter from the collection agency ( MCM ) XX/XX/XXXX, XXXX and XXXX ( XX/XX/XXXX ) stating that the debt was verified but they have not disclosed how the account was verified. Also i know that an investigation wasn't done because according to 15 usc 1681a ( e ) they didn't do any interviews with anyone associated to the consumer ( me ) .However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I made multiple attempts to reach out to this collection agency. Ive been super busy with my family and working hectic hours I had some downtime today and decided to fold a complaint. Attached is the letter I sent months ago asking this company to validate the debt. I never received a response to continue reporting a debt and failing to validate is a violation Im asking for an immediate removal of account
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3. 4. 5. Last but not least I have never signed a contract with the debt collector.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The Original account was with XXXX XXXX and I was paying until I lost my job XXXX XXXX XXXX XXXX. My account came in arrears and some months or years later I was reached out through XXXX XXXX internal collection department and myself and the woman made an arrangement to pay XXXX a month. The balance then was {$600.00} with late fews and no payments made. I did that and did my full term of months to pay it off for them to waive the other {$300.00} or so and close my account as paid in Full. That didn't happen, once I paid my portion off they kept {$100.00} stating I need to pay it off. I didn't pay because I did my portion as agreed The account was opened XXXX, it's over 6 years and Midland Credit bought it and trying to collect the Erroneous amount that was sold to them. I'm unsure if they are even Licensed to collect in my state, they haven't Validated the debt of when it was opened and last pay amount made at all. Now my account has been flagged, I never spoke with them to provide ownership of the account at all and definitely didn't give them permission to my account for collection. It's a violation of this practice and I want them to Validate the amount with dates and proof of collection inky state.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A