Date Received: 2022-01-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Between the dates of XXXX XXXX and XX/XX/XXXX I documented 23 different phone calls made to Midland credit management Co. I want to settle a debt for approx. 800.00. I want a letter of satisfaction emailed to me and a line of satisfaction given to the court where there is a judgement against me. I have heard everything from we can't talk to you because you are from WV, which I'm not, to you have restrictions on your account and we can't help you. No one from the legal dept, customer support, resolution dept, countless managers could let me pay my debt. The computer system was also blamed. I was transferred 4 times where I was disconnected. I was told to call back in 1 day, 3 days, and most recently a week. I have attempted to pay my debt via online 4 times the week on XXXX XXXX with no success. XXXX XXXX I had an online chat with XXXX who told me she couldn't help me and gave me a number to call, which I have done more than once. What is going on? It has now been two weeks that I have tried to pay this very old debt. I want someone to accept my payment, give me a letter of satisfaction and remove the judgement Midland Funding LLC placed against me in court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: It appears as though Midland Credit Management has violated a XXXX ruling against the company by the Consumer Financial Protection Bureau in XXXX by making threatening statements to consumers by threatening to file a lawsuit against them yet they fail to provide the burden of proof of debt of the original credit card agreement, proof as to who made the purchase, and proof as to who opened the account. All what they provide is a credit card statement that can be easily forged. The verbiage " we intend to file a lawsuit '' to me is a threat which to my understanding is a violation of the CFPB and is seen as an intimidation tactic with the sole purpose of intemidating a person into paying for a debt that they failed to prove. There are other areas in this letter that to me is a red flag for a scam such as " including the attached documents '' which by not providing everything that they have to me is a scam and or immediation tactic to get someone to pay for a debt that is not theirs.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either. How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been getting multiple calls from multiple different numbers even after blocking some. On XX/XX/22 while I was at work I got another call and decided to answer it thinking it was a rental property from one of the properties I wanted to view. Instead it was someone from midland credit management I was planning on telling them to stop calling and hanging up, but they mentioned that I would be facing a lawsuit if I had not paid my debt to a XXXX XXXX credit card I had awhile ago. I told the guy I would start paying my credit cards as soon as I get back on my feet but told me they needed some sort of payment agreement so I can get the lawsuit off of me for. So I had agreed to pay {$50.00} every two weeks he sent me an email stating it had me consent to it while he was on the phone and set up my account. I mentioned I would make the payment when I got home cause I was at work but he insisted that I needed to make a payment so the creditors can see I will be making payments and not file a lawsuit on me. So I made a payment of {$50.00} while he was still on the phone so I can get them to back off from me for a bit. Since I didn't choose recurring payments he said the agreement would not be proceeded since and I'll still be hearing from soemone. To change that I had to allow him by consenting through a voice operation touch pad so he can make the change to recurring payments, pretty much meaning I had to do a electronic signature over the phone by pressing any key on my dial pad. Finally after all that he was done I believed I was actully facing a lawsuit come to find out from my fianc that they aren't allowed to threaten someone with something like that especially him being so insistent on getting the account and payment done.
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MIDLAND FUNDING contacted me by phone attempting to collect a debt I never agreed or contracted to pay. The calls were harassing aggressive and very threatening. I explained to them then that this debt is clearly a mistake and doesn't belong to me because I was unaware of owing any debt. I have never agreed or contracted to pay on this debt. They explained to me they purchased this debt from XXXX XXXX and they now were owned the debt, they stated I know longer had to pay XXXX XXXX I had to pay them. I then asked how is that possible if I never agreed to contracted to pay them anything or contracted to pay XXXX XXXX anything. They then stated, they would continue to call me everyday about this debt and they would eventually get what was owed to them. After non stop harassing calls I sent in a debt validation letter and didn't receive a response.I have attached a copy of the debt validation letter I sent to this company in the image attachment section below. After months of no response I sent in another debt validation letter and still have yet to receive a response. They started to report negative defaming, and inaccurate information on my credit report.Upon checking this account I noticed MIDLAND FUNDING reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. I tried to handle this with the CRA 's, however they failed to investigate this matter thoroughly.I was promised an investigation but one was never done, then I was told they would forward my investigation to their dispute channel. I knew then the CRA would not help remove this inaccurate Information from my consumers report. Which has now prompted me to submit this complaint. Since MIDLAND FUNDING has never supplied me with sufficient information in order to validate this debt when I requested it, I know this debt is a mistake. I don't not feel like my account was handled with accuracy and/or integrity as 12 CFR 1022.41states it should be. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the two images below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. As you can see for account # XXXX There are innacurate reporting dates, inaccurate dates shown open, inaccurate last reporting dates, inaccurate last active and the inaccurate last payments made on this account. There is no way 12 CFR 1022.41 was upheld before furnishing this Information to the CRA 's and as a consumer I am suffering tremendously. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad XXXX. I cant sleep and sometimes XXXX cant eat. I have been denied housing, employment, and jobs solely based on the inaccurate reporting on this account to the main credit reporting agencies. I have lost sleep behind this, I have lost money, and almost became homeless because this account was not handled with accuracy or integrity as 12 CFR 1022.41 states they should be. No one should be threatened as I was, No one should suffer like that as I have, and furnishing companies should be upholding 12 CFR 1022.41 at all times since consumers suffer when they don't. account # XXXX
Company Response:
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, I pulled my credit file and Midland Credit reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, Midland Credit has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland credit credit management had someone drop off a packet that I'm being sued. Today I received a call from them. I feel harassed by Midland management. If they're suing me why are they still calling me? Bothering me while I'm at work.
Company Response:
State: CA
Zip: 90304
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
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: From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with XXXX to correct information on my credit regarding a collections account. As of today, the only thing XXXX has done is reduce the collection amount by about {$600.00} or so. The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. According to my XXXX credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. I have provided copies of my court document and all seven money order receipts as well as the XXXX XXXX receipts to show that I have been doing everything required of me based on the settlement. At this point I believe that XXXX is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant XXXX do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. As for the collector-Midland XXXX XXXX XXXX XXXX XXXX they are a bunch of crooks. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. Thanks
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 2018 midline sent out a credit card I did not authorize. To date it ha a balance of ove {$600.00} wich I did not authorize. I live on a campground where everybody has access to the mail. I never knew I had a card until I was supeenaed to court
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: One of the 3 attached bill collector shared my information with a relative. I am not responsible for any of these loans because of a natural disaster that was out of my control and left me without anything for a long long time. The current administration would gladly have this removed from my credit report.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A