Date Received: 2022-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I settled the account with Midland back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX
Company Response:
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland has sent me an obscene response regarding this alleged debt and still is conveying information regarding this alleged debt to the consumer reporting agencies after I have told them to cease and desist any and all collection activity. Midland has now breached the cease and desist and confirmed that this is a case of aggravated identity theft, has invaded my privacy and obtain my consumer report under false pretenses. My consumer rights are constantly being deprived and anyone depriving a person of any rights shall be fined and prosecuted pursuant to 18 usc 242. Midland has cause unseen injuries and I am even taking out family time to deal with this false claim.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: RE : CFPB XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX First, update your records to reflect that I have not retained council yet. I will retain an attorney when deemed necessary. I am stacking evidence at this point, and both XXXX and MCM have provided a lot XXXX Second, evidence supporting the fact that XXXXXXXX XXXX did not investigate the above referenced account can be found in Consumer Financial Protection Bureau ( CFPB ) complaint ID XXXX. The attached document is titled XXXX - XXXX XXXX XXXX. In it, XXXX claims res ipsa loquitur by stating, we are unable to resolve the charge ( s ) in dispute from XXXX XXXX because you provided your information to the merchant. Affirming the seller was paid is by no means an investigation. In fact, it is gross negligence that oversimplifies and ignores the fact that the seller lied about their location and that the mask sold is not N95 compliant as advertised. The mask came from XXXX XXXX, and its vented, so I cant even be worn on an airplane ; never mind, being N95 compliant. Pictures of the mask can be seen in CFPB complaint ID XXXX. The images are titled XXXX XXXX & XXXX XXXX. Evidence showing the sellers website was taken down for fraud was presented in CFPB in complaint ID XXXX. The attached document is titled XXXX XXXX search results XXXX XXXX Whats more, complaints reflecting my own in regards to XXXX were presented in CFPB complaint ID XXXX as well. The sites presented were as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX /XXXX 3. XXXX XXXX XXXX Third, define seller. Because the seller Im referring to is the scam artist responsible for the underlying charge, addicttee.com, not the scam artists at XXXXXXXX XXXX XXXX XXXX is the group of scam artists that sold MCM this fraudulent account after running up all the fraudulent interest on the underlying fraudulent charge from XXXX. And, once again, just to be clear, there were no findings. Claiming res ipsa loquitur while only confirming information supporting your bias is by no means an investigation. Its, at best, willful ignorance, and in the real world we call it fraud. So, if MCM purchased this fraudulent account from the seller, XXXX, with all its rights, it logically follows that MCM purchased this fraudulent account with all its liabilities as well. So, all the fraudulent interest accrued on this fraudulent account by the intermediate scam artists at XXXX is thereby unlawful as well. Whats more, I contacted XXXX via both email and telephone prior to filing the claim with XXXX XXXX, but the sellers email was shutdown when the website was shutdown, and I was only able to speak to the XXXX staff once via the telephone number provided. They told me to return the mask to XXXX, so I told them to provide a call tag. But they refused and hung-up, and I havent been able to reach them since. This was all presented in CFPB complaint ID XXXX as well via an attachment titled XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I submitted hardcopies of my email correspondence with XXXX to XXXX as well prior to XXXX opening the XXXX XXXX XXXX portal. You should have received the hardcopies with my file when you bought this junk account from XXXX. But, let me guess, they were conveniently never sent. Imagine that. Forth, stop sidestepping the issue. There is no police report. The seller is in XXXX. The only logical recourse was, one, to request a refund from the XXXX. Or, two, have XXXX withhold funds until a call tag was provided. But XXXX refused to withhold the funds, so they could charge interest on the fraudulent charge ; in an effort to, generate a profit before writing the account off on their taxes as a loss. They then sold the account to MCM for even more than what the original underlying charge is. So, once again, just to be clear, addicttee.com was taken down for multiple reported cases of fraud, including, my own. XXXX committed multiple acts of fraud by ignoring all the evidence and reinstating the fraudulent charge from XXXX so XXXX could fraudulently charge interest on this account before fraudulently writing it off on their taxes then fraudulently selling it to MCM at a profit. And, MCM is committing fraud by ignoring all the evidence presented while furthering the scam for the same reason, fraud for profit at my expense. Fifth, the account still reads as being Charged Off with the fraudulent amount of {$430.00}. Ive attached copies of my and XXXX, XXXX, and XXXX reports to prove this. These reports need to be remedied immediately because they do not reflect reality and it is negatively affecting my credit. Whats more, the account was reported as being 30, 90, etc. days late as well, and my credit score has not recovered since those fraudulent reports, despite it being the only ding on my credit since then. This needs to be remedied immediately as well. In closing, quash this fraudulent account, make the required amendments to credit reporting agencies, and report XXXX to the FTC for their fraudulent behavior. Ive had enough.
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: on XX/XX/2022 in my mail box on XXXX PM XXXX XXXX retrieved a letter purporting to be from " XXXX / XXXX Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. The header states " Date : XX/XX/2022 Our Client : Midland Funding LLC '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. I want to XXXX + days late REMOVED. You can not legally report lates and you know this. You are reporting XXXX + days late, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The delinquent date from XXXX XXXX was XXXX I have NEVER entered a payment agreement with MidLand Funding XXXX When a debt buyer re-ages a debt, it often falsely reports new account activity, such as recent payment delinquencies, or it might alter the date of your account, such as changing the date you opened the account or last made a payment. I have NEVER disputed this old collection. Out of the blue your agency is now reporting consumer disputes this is a lie and you are wrongfully reporting false information on my credit report. This needs to be removed immediately. Each time the credit bueauers remove the dispute remark within XX/XX/XXXX hours Mid Land puts the remark back on my credit report.
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am really appalled and disturbed by the actions of this company yesterday during their attempted collection call. I am wrote to notify them that their actions were detrimental to me and that their firm has made multiple violations of the Fair Debt Collection Practices Act. Please take note of the following violations that occurred yesterday XX/XX/2022 at XXXX. At the beginning of the call, I notified the representative XXXX XXXX that the time of the call was inconvenient to me since I was currently driving and running errands during my lunch hour. At this point the employee should have scheduled a more appropriate time for the call. The employee then became loud and aggressive, continuously cutting me off and being flat out disrespectful. He knew or should have known that the abusive and aggressive behaviors displayed toward me during the call were oppressive, inappropriate, and potentially damaging. During the call he told me that the case is in pre-something, and that if I did not pay during the call, I would be sued and my wages would be garnished. This is a blatant violation of my rights since the FDCPA states that you can not imply that non-payment will result in garnishment of my wages. The representative completely failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at the firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland credit management. They seized an entire portion of my tax refund. Roughly {$2000.00} which debt collectors can not do.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I pay {$97.00} since XX/XX/2020, for the last XXXX months. This debt should be paid off this month. Midland is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my midland account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in XXXX months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!
Company Response:
State: AZ
Zip: 85757
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: had Identity Thief And A Fake XXXX XXXX XXXX XXXX Stolen SSN And Opened Accounts Thats Were Closed. Never Received Letters From Them Since. This Person Opened Accounts And Have To Go To Court. Saying In The Texts From Criminals Movers I Have All Your Information And You Don't Paid Your Bills. And Nows Its in A Dark web SSN
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The company Midland Credit Management trying to collect money from me that I do now owe they have threatened to sue but have shown no proof that I owe them any money.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A