Date Received: 2022-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX XXXX XXXX XXXX accounting documents, theyve written the account off as uncollectible, and they no longer consider the debt as an asset. XXXX XXXX XXXX cancel the debt completely. When this happens, you no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive 1099 from XXXX XXXX. No only that I haven't received a physical signatures stating that I agreed to terms nor last four of social
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: So I had an old credit card debt that turned into collections when I wasn't the brightest when it came to credit or paying stuff off. I asked the bank what my options were because I was going through a tough time and somehow a {$300.00} limit turned into a {$680.00} collections bill with no explanation and years of interest added on. Shortly after in the coming months they then contacted an old work place in which 2 people other than me answered the phone. One of which was my brother and another employee who has no relationship to me now found out information about me and that I owed debt to a collections agency. I got into a big family XXXX because of it and ever since I've been traumatized by this experience. I get a text from my baby cousin who was around XXXX at the time saying someone called him during school hours asking information or whereabouts on me because I owe someone money he was scared and hung up the phone. Now they said they served me papers but unfortunately for them I don't live with my parents and haven't for awhile. I'm trying to find a lawyer now because they issued a writ of garnishment for my employer.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Provide proof of what the money you say I owe to you is for Explain in how you calculated what you said I owe Provide me with any copies papers where it said that I signed and agree to pay what you say I owe Provide the statute of limitation has not expired on this account Provide license that you have the right to collect in the State of Connecticut and Florida Please provide a complete history and explanation of what is said I owe Provide bill with my signature I agree and owe this debt to your company You are in violation of section 604 I will report this to the Federal Fair Credit Reporting Agency if my adverse mark is not deleted or validation showed ; ( B ) Application by mail, telephone, computer, or other similar means. ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and 3 The references in Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), not ( c ) ( 3 ) that no longer exists as the result of Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ). 604 - 15 U.S.C. 1681b 15 ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 609 ( c ) ( 3 ) .3 ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has be I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification Please know that I fulling intend to report any violations that contribute to the defamation of my character to the FAIR CREDIT REPORTING ACT AGENCY and follow up with Legal Advice if this account is not fully validated with all requested above. Thank You, XXXX XXXX
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, my check was garnished from an unknown source. I went to HR to inquire about the deduction. I was advised it was court ordered. HR provided me with a copy of the court order. I called the number on the court order to inquire about the garnishment. I was advised it was for a XXXX credit card and the amount owed was {$3800.00}. I was also advised that the account was opened on XX/XX/XXXX. I never owed a credit card. Please assist.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled with the company XXXX XXXX in a court hearing in the amount of {$1500.00}. It was agreed upon that if the amount agreed ( 1500.00 ) would settle the debt in full ( original amount was {$3100.00} ) if payment was received within 30 days the civil case and account would be closed. Check was received by them in XX/XX/XXXX, cashed, and applied to my original balance.I fulfilled my part of the judges order however I received a paper in mail stating that I owed the other half of the original debt amount which was not agreed upon in the court
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland Credit Management XXXX XXXX XXXX XXXX MI XXXX Midland Credit Management bought XXXX credit card accounts of mine. I contacted them in XX/XX/XXXX and even though my only income was unemployment I agreed to pay {$50.00} per month and they told me they wouldn't continue with a lawsuit. At this time I had a small claims against me from them for one account and they said to forget about it. I continued to pay until XX/XX/XXXX when I received a summons for the other XXXX accounts. I called Midland and they said they never stated that & refused to look up or send me the call recordings. They were very rude and wouldn't help me at all. At this time my unemployment ended, I had no income and inquired about their hardship program. I submitted all the documentation that was required in XX/XX/XXXX. Never had a response even though I called numerous times. I then contacted the attorney general 's office who emailed them for me. They responded that I didn't send anything and I had to have an approved social security claim for them to grant the hardship ( I have an application in review ). There was a court date of XX/XX/XXXX and I honestly forgot the date, called the court and they told me to call Midland 's lawyers to ask for continuance of agreement. I tried, you can call their internal legal department but not their lawyers. I was given an email and every time you send an email to them it comes back that I am not authorized to contact them. I had no way to speak to their lawyers. I was found in default. On XX/XX/XXXX I was sent a letter that via attorney general that I was approved for a 90 day hardship. But I needed to send complete documentation ( a list they sent ) have it notarized and send 4 copies of the exact same thing and also this is the same documentation I previously sent in XXXX. I called internal legal who couldn't help me and again gave me their lawyers email ( which came back not authorized ). I have spent hours, months, calling, writing to them and to the attorney general ( who now I am waiting for a response back ). I have no income, severe back problems and trying to do the right thing but Midland is so deceiving, rude and makes promises and then lies about it. They are horrible to deal with and every call they still ask you for money even when you tell them you have none. The attorney general has relayed information to their contact but hasn't been able to help me. I have documentation for everything if you need me to send it. Thank you for your help.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a prelegal notice from Midland Credit Management that I have a debt of at XXXX XXXX XXXX. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. Therefore, it is obvious that my identity is stolen and used here. In this circumstances, I would like to request your help to stop this harassment.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland funding, the most crooked trash to ever disgrace our country. I have been fighting this for 5+ years. In XXXX, my identity was stolen, and as a result, I have to file specially with the irs. 2 years later, this and a couple others magically appeared on my credit record. Most have been removed, by other, more reputable companies. The collector has been notified of the id theft, and received confirmation in XXXX, I believe. It was removed from my record, only to reappear a year later. Since, this predatory collector has falsified information to the credit bureaus repeatedly over this time. I have sent 3 letters requesting verification of debt, and only once received anything : a stack of blank paper. Theyve ignored my requests for this debt that I have nothing to do with, and due to them, ive had a much lower XXXX XXXX than i earned. This is illegal, and im a step away from suing for the hardship due to a falsified credit report. My credit would be perfect if not for these unethical sacks of refuse.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is repeatedly marking this account as collections on my credit report. 3 times already in the month of XXXX. Dates of XX/XX/22, XX/XX/22 and today XX/XX/22. Isnt this a violation of reporting actions. Id like them to stop attacking my credit.
Company Response:
State: AL
Zip: 35630
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A