Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management haven't respond and failed to provide requested information about the debt owed. It has been more than 30 days since my last letter sent to them. The debt is being reported to all three credit bureaus.
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Everyday since XX/XX/2021 I have been called over 4 times a day by Midland Credit. The calls begin promptly at XXXX when I am taking my child to school to continue through out the day. I have blocked them every time but they spoof their number and keep getting through. I have asked them to no longer contact me.
Company Response:
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Was taken to collections for a XXXX credit card I never applied for, Amounts of XXXX from XXXX
Company Response:
State: MI
Zip: 48316
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX, I was notified by Midland Credit Management of a debt with XXXX XXXX. Someone has stolen my identify, opened an account, and made purchases of {$460.00}. They indicated that the account was opened on XX/XX/XXXX and they made purchases in XX/XX/XXXX. This is not my account. I have no idea who would have stolen my identity and I didn't recognize the address on the statements they provided me.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was sued by XXXX, XXXX and XXXX on behalf of Midland Credit Management. MCM claims that I owe them money on 4 different accounts. MCM ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX ) {$3300.00} XXXX XXXX ( The XXXX ) {$2900.00} XXXXXXXX XXXX ( Stage ) {$3400.00} XXXXXXXX XXXX XXXX {$970.00} Through extensive research I learned that MCM and its affiliates Encore XXXX XXXX XXXX XXXX XXXX Midland Funding LLC ; Midland Credit Management XXXX and Asset XXXX XXXX XXXX have been sued by CFPB for issues such as mine. MCM along with it attorneys continue to pursue debts collections with no legal grounds to do such. Midland Credit Management through its Attorneys XXXX, XXXX and XXXX filed multiple lawsuits against me in XXXX and XXXX which they were granted without providing any legal documentation to do so. I first disputed these debts on XX/XX/XXXX via email with XXXX, XXXX and XXXX. I received no response and wrote another email on XX/XX/XXXX after receiving another letter by mail from XXXX. On XX/XX/XXXX I finally received a response from XXXX XXXX from XXXX office stating that due to privacy they could only speak with me via phone. XXXX continued to refuse to speak with me EXCEPT for by phone. I feel that this is because they do not want the communication in writing. After numerous disputes and failed/ ignored request for documents bearing my signature, and proof that I have any legal obligation to MCM they filed suit against me in district court. I had never been through anything like this. I appeared the day of court with copies of all the emails showing my request and stated they had yet to provide me with any documents other than 1 page copies of statements. Unfortunately because I didn't provide these prior to court my please fell on deaf ears and MCM was granted judgement. Following that they are now posting small {$10.00} or less payments on these accounts each month which are not being made by me. I feel they are falsifying payments in an effort to keep these accounts active and extend time limits. This company has destroyed my credit. I cant buy anything, not a car, a house, NOTHING! EVEN AFTER JUDGEMENT I have continued to seek proof from XXXX. I have specifically requested copies of contracts bearing my signature and was told by their employee " that I know better than to request that because everything is done online these days. '' The law specifically states I am entitled to that. Your agency filed lawsuit filed on XX/XX/XXXX, which stemmed from a previous investigation and broken consent order that was put into place to avoid litigation from XXXX. It is more than apparent that Midland Credit Management and affiliates continue to break the terms of the XXXX consent order by continuing to collect money from consumers like myself through regular collections as well as the filing of lawsuits when they do not possess the legal documents to do so. MCM states that they acquired these accounts XX/XX/XXXX. That date came after XXXX consent order and before the XXXX suit filed by CFPB. I have continued to requested multiple times for MCM to provide me with proper documentation that they have a legal right to collect any monies from me. The ONLY documentation I have every received from MCM or their attorneys is a copy of final credit card statements. Copies of credit card statements does not prove a debt. It is also appalling that it is my LEGAL RIGHT to be provided with the documentation I have requested and being told I know better than to request such. Midland Credit Management has deliberately not upheld the law and sought illegal judgement against myself and countless other consumers. Midland Credit Management through there improper, deceitful and phony business practices has ruined my credit, which has prevented me from even being able to own a home. These debts have been disputed with the major breuaes countless times before any judgement was filed and following and MCM always reports back to the bureaus that they are correctly reporting which is yet another falsified action on their part. I wish to have all of my accounts with company dismissed, and removed from my credit report at once. It is my hope that you can assist me in this matter. This company can not be aloud to continue to lie and take advantage of consumers. Any help with this matter would be greatly appreciated.
Company Response:
State: OK
Zip: 734XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland credit management ( XXXXXXXX XXXX ) began collecting a credit debt by calling numerous times, sending process servers, and mailing demand letters. I contacted XXXX XXXX XXXX and the case was dismissed on XX/XX/2020. However, they've continued sending letters, and have refused to remove the debt from my credit bureau when their lawyers did not show to court. This company has overstated and inflated this debt to ravage my credit score.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had a credit card with XXXX XXXX in XXXX or XXXX. I was unable to keep paying every month. XXXX XXXX put the owed payment to a debit collector named Midland Credit Management LLC. I noticed that it was reported on my credit report, which I understood. Yesterday, XX/XX/XXXX I was served with court papers stating that they were suing me for the amount I owed which is {$790.00}. This morning XX/XX/XXXX I reached out to Midland Credit Management 's attorney who is handling the case and left a voicemail stating that The amount appeared on my credit already and I'm confused why am I being sued. I also said in the voicemail that I'm currently unemployed so I can set up a payment plan or something but I don't have the full amount.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Midland Credit Management has caused me a great deal of stress. I have been struggling with an account that is not mine. I have submitted multiple dispute letters requesting for validation of the debt which included sending me the original contract with my signature showing that I owe this alleged debt. Nothing was sent back to me. I then sent in a 30 Day Demand of Comply within a 60 day period being that I never received a response. This is a violation under the FCRA. Futhermore, I am aware that Midland Credit XXXX entered into a final judgement and order with the CFPB. Under terms of the order, the business agrees to pay {$79000.00} in redress to consumers and a {$15.00} million civil money penalty. Because of this, I am still not understanding why this issue has still not been resolved.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management is attempting to collect on a debt not owed. Midland Credit Management They bought this from another debt collector. I do not owe {$1100.00} to Midland Credit Management. They are fabricating a debt. I have never done business with them. This is being recycled to various debt collectors.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A