Date Received: 2022-02-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had created a payment plan with Midland Credit Management ( or may be Midland Funding ). I sent checks via my BillPay in the amount of {$56.00}. I requested that my bank close the bank account used to consolidate to one checking account and canceled the BillPay. On XX/XX/22 I see a transaction of {$56.00} Check # XXXX. This is NOT something I sent out or authorized and I have had no communication about this. Midland used my account number and routing number from previous checks to create their own check and submit to my bank for payment. This is overreach and honestly, seems illegal. Plus, then, it reactivated an account I do not use, causing a NSF fee. My bank told me to contact the company and I did, but they acted like it was business as usual. I requested to cancel my payment plan. It is NOT okay for a company to access my bank accounts at their whim and use my information when I did not authorize it.
Company Response:
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified cease and desist letter with receipt to midland credit management on XX/XX/2022 and it was received on and signed for on XX/XX/2022. Midland credit management fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( XXXX ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Midland credit management is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.
Company Response:
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To Whom it my concern, I am looking over my credit report and I noticed there was collections from midland funding llc for the amount of {$700.00}. I am also looking at the original creditor and this was all settled years ago. It had to do with glasses that I had purchased but returned for some odd reason it never came off my credit report when i had called them years ago XXXX bank agreed that this would be removed. I had thought it was due to there word. I have no dealings with midlund and I do not feel I owe them money under the fair credit reporting act. I never signed any documents with them and as for the original creditor I don't owe the money. Today is XX/XX/2022 this happened over 5 years ago and was all suppose to be fixed with sync.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name and Ss used to open in line account with XXXX. Now Midlands credit mgmt trying to collect. I owe nothing, impersonator lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've resided in XXXX XXXX since XX/XX/2018. In XXXX is following report # XXXX I've spoken with a representative. Please assist.
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I was served a lawsuit by Midland credit management Inc for a debt collection amount of XXXX, XXXX dollars. I immediately hired an attorney to settle the case. Midland credit management Inc responded with a settlement offer of {$500.00} dollars with the agreement of the amount being dismissed in court and reported to the credit bureaus as paid in full. I signed the agreement and paid the {$500.00} dollars settlement on XX/XX/XXXX in which the amount was cashed by the company. On XX/XX/XXXX a updated credit report in my debt collection showed a decreased of {$500.00} dollars to my Midland management account. I Immediately contacted Midland credit management and told them about the settlement agreement along with the the inaccurate debt still showing on my credit and they advised me that there is still a balanced owed on the account and that the court agreement signed by the courts and a Midland credit management representative is not valid will not be honored. I stated to Midland management I will be following up with my attorney regarding this scam and inaccurate reporting to the credit bureaus.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft.
Company Response:
State: NC
Zip: 27896
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management XXXX : Consumer Support Services XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX, I have recently received a notice that Midland was zeroing out the account in their office that was falsely reporting to my consumer report. Since XX/XX/2021 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX Bank as I know that this company purchased that debt thats already been written off and was attempting to collect it from me illegitimately. I have not now, nor have I ever done business with Midland Funding. For them to park this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove this account. Now that it is removed, I demand that Midland pay me what is owed to me according to law. I have actual damages and there are {$1000.00} violations attached to each time is was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms that have been mailed to me over the past year in support of your wrongdoing. It all stems from the false misrepresentation of Midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well. Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed by the comments left by Midland on my reports against my efforts to resolve the situation outside of XXXX court. I expect a settlement offer within XXXX days of this notice or further legal action will be initiated. I have enclosed XXXX pieces of evidence that proves just how long I have been fighting and the type of response and willful non-compliance I was getting from Midland in response to my disputes. You should be ashamed of yourself XXXX. Talk Soon.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Greetings, I have an issue Midland Fund has been garnishing funds out of my check from XX/XX/XXXX till present for a company name XXXX.. The creditor ( XXXX ), I never open an account with them ; when I called Midland on XX/XX/XXXX to rectify the issue, they said that the account was opened XXXX to XXXX. I also called the school legal specialist about it and he said that Midland went to court and the judge signed the request to garnish funds out of my check from XXXX XXXX XXXX XXXX XXXX. Here 's the total amount to be paid to the Plaintiff includes the Final Judgment amount of {$1700.00}, plus postjudgment interest pursuant to 55.03, Florida Statutes, from the date of the judgment, and post-judgment court costs, less post judgment payments received, for a current balance of {$3600.00} which shall continue to accrue post judgment interest until paid in full. Any funds remitted by the Garnishee to the Plaintiff prior to the entry of this Order are being held pending the disposition of this Order. All and all, this XXXX credit line was not open by me in XXXX to XXXX and I believe it is a fraud and I would like the money back which they garnished out of my check.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXXX CHECKED MY CREDIT REPORT WITH THE XXXX MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENXXXX. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECEIVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY, I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/2021. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR OR THIS DEBT COLLECTOR, SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF TWO OF MY CONSUMER RIGHTS AND I INTENDED TO PURSUE LEGAL ACTION. ENCLOSED ATTACHMENTS : DEBT VALIDATION LETTER SENT PRIORITY MAIL : XX/XX/2021 DEBT VALIDATION RECEIVED BY PRIORITY MAIL AND SIGNED BY MIDLAND CREDIT MANAGEMENT : XX/XX/2021
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A