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: Midland funding XXXX XXXX They call and send me letters all the time. From an old account from awhile ago. I have told the company several times to stop calling me multiple times a day.
Company Response:
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was sued by Midland Credit Management through attorney XXXX XXXX, XXXX in Utah. The debt originated in California, defaulted in California due to Covid and I tried to make payments and the collection agency declined to accept my payment plan. I had been mandated shut by Covid closures in California, had my son pass away, two personal injuries due, one in litigation leaving me with a XXXX XXXXXXXX, was a victim of stalking and harassment due to domestic violence, 6 arrests made at this time, I had to relocate 5 times and prosecute the man behind this. Unfortunately, due to these string of events I defaulted on the payment plan. I was harassed despite telling the collection agency that I had been ordered to close due to Covid mandates in the XXXX XXXX XXXX and tried to initiate payments and was denied by the collection agency demanding full payment, half payment or I would be sued. I had to go on food program and didn't have the money for the full or half payment of the debt. I asked them to stop calling, the refused and left me with increased XXXX and fear. I relocated out of California and their lawyers XXXX XXXX and XXXX XXXX working for XXXX XXXX XXXX sent me a demand, which I immediately responded to and asked to make again, payments of $ XXXX and they declined again wanting to tack on fees for court costs before they filed a court lawsuit. They sued, I responded, submitted evidence of 6 violations of unfair credit collection practices in California, Utah and Federal by the Protection act in Federal and both states. The judge stated this should go to trial after he read and saw my evidence and careful documentation. They refuse to take my settlement, after agreeing to unless I paid court costs ahead of even filing a lawsuit. So I said - if I have to pay court costs, we may as well go to court. I am not denying the debt or the default, I am arguing that they refused to take my payments multiple times. They published on their website that they were going to help consumers due to the Covid shut downs and loss of income and their own website says they are going to help consumers. I am a business woman. I am not trying to get out of paying it. I am now going to have a 2nd hearing where I will ask for a trial. They are in violation of harassment, over zealous collection efforts, refusing to take payments, tacking on costs to my debt and refusing to settle in full payment of the debt unless I pay court costs which on a verified recorded line, 26 minutes long by their office to myself agreed to the payment plan ahead of filing the lawsuit, but when I refused to pay court costs as they had not file a court case at that time, they said they would move forward with suing me. This entire action is unnecessary bullying by a consumer credit management team that is frivolous, their actions violate the fair collection act in 2 states and Federally. Court case by them against me is Case NoXXXX Judge XXXX in XXXX XXXX XXXX XXXX XXXX Utah XXXX Their filing a lawsuit when a settlement in full was accepted by them has created a lawsuit, public record that has damaged my reputation, I have had emotional distress and XXXX and been threatened by a lawsuit during a pandemic and had countless calls threatening me during a pandemic. Their own collection letter said I could enter a payment arrangement as they had accepted federal funds to help them help me and XXXX XXXX to help them help me. They have acted in bad faith. Their website states : so we want to relay that our thoughts are with those affected and that we have services to provide both hardship assistance and prevention. If you've been impacted by Coronavirus COVID 19, either physically or financially, and need our support, we're here to help '' It goes on to say " these are just a few of many steps we are taking to ensure the continuity of service to customers. Our focus is on the safety and wellbeing of both customers and employees, so together we will not miss a beat ''. It goes on to say they have a commitment to our customers. I was given NO such commitment, not treated as a customer of long standing and offered no consideration. The State of California fair collection act states : 1/ credit is an important feature of the economy 2/ some default in repayment can be anticipated 3/ reasonable enforcement measures may be employed and 4/ debtors must be treated honestly and fairly. Siting statutes ss1692-1692p ; 806p ; 807 ; 808 ; 811 ; 813 of the codes that they have violated. Your statutes state attorney fees should not be included ; collection expenses should not be included and the application of payment " must follow the debtor 's instructions on allocation of payments to a particular debt ''. My payment plan was denied multiple times. In writing. They are in violation of unconscionable and unfair means. They threatened me during a pandemic and acted on that threat when a settlement arrangement had been accepted by them for full payment of $ XXXX. I might add that all my other creditors made arrangements with me and most of them have been now paid in full or are on payment to be paid in full. Only this credit management team is outstanding because of their refusal to accept my payments during a pandemic and after.They were rude, nasty and threatening during the pandemic for me to come up with the money when I was on a penny to penny budget wanting my rent monies or utilities money when I didn't have a job. I wish to report them in full for their misconduct and have preserved all the records diligently and accurately.
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with MIDLAND CRED plus they did not provide me with the original application like I asked. account number : XXXX amount disputed : {$530.00}
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: They will not send me any documents proving this is my account, I asked them multiple times how are they verifying this is my account reporting it to Credit report.
Company Response:
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX The account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX Report Credit XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company XXXX XXXX XXXX XXXX. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: They are very good. They somehow had multiple numbers. Had my kids and their phone numbers and names. They said they were XXXX but they did not give their full company name. Just XXXX. Their number was XXXX They said I owed XXXX loans that I never opened.
Company Response:
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
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: I have several items that are reporting negative on my credit report in which I have done the following : XXXX ) .XXXX - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it XXXX ) .XXXX XXXX XXXX {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed XXXX ) XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. XXXX ) .XXXX XXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. XXXX ) XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! The item above are ruining my credit and my chances of trying to buy me a home.
Company Response:
State: IL
Zip: 60077
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a balance owed to Midland credit management llc on XX/XX/XXXX around the amount of {$1200.00}. I had paid down the debt to {$660.00} by XX/XX/XXXX which was reported on time by midland credit management on time. A conversation I had with a manager that urged me to want to pay the account off as soon as possible because he was threatening to sell my account elsewhere. By XX/XX/XXXX I had paid down the debt to {$0.00}. This action has yet to be updated and yet to be reported to the three major credit bureaus by midland credit management. XX/XX/XXXX I reached out to the company to resolve the issue and to see if they can update my paid off status to the credit bureaus. They declined saying that I had to lift my dispute first in order for them to help me. I feel that I do not need to list my dispute that is based on the truth in order to resolve this issue. They went on to even report an accurate information to the credit bureaus even after the dispute was made. Further destroying my credit. They have on my credit report that {$660.00} was the original account balance and that is not true. I paid the balance down from {$1200.00}. They are also saying that I owe {$660.00} as of today that is not true. They sent out a email XX/XX/XXXX saying that I owe {$660.00} and that it will be automatically taken from my account. I do not owe {$660.00}. I owe {$0.00}.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A