Date Received: 2021-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: the account in the amount of XXXX is the amount they said i must pay. But i have no knowledge of this XXXX XXXX account i never opened a account with them now they are threating to sue me for something i have no knowledge of they said the account was open in XXXX in was closed XXXX of XXXX. they are saying they have been trying to contact me but i never got any calls. i have not or ever had a account with them that is fraud. now they is threating me to sue. i did contact them in told them i never had a account they were still trying to make me pay i told them i will file a police report if possible about the account because i have no knowledge of the account or the amount i even told them thats not have u spell my name on the account my name is mis spelled. if it was my account how could i get something like that wrong.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have reporting inaccurate, and unverifiable items to the credit bureau. I have sent them a letter over 45 days to show the proof of how this came about, and they have refused to contact me regarding same.
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A month ago I received a debt collection letter requisition payment on a debt that I don't recall ever taking out. I contact them to get more information and they told me that someone made a purchase with my XXXX XXXX account that I have not use for more than 2 Years. They offered to file a fraud claim but they have not provided any resolution.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XXXX I filed a dispute with midland credit management, dispute number XXXX requesting specific information to validate this debt ( See ) ( Attachment ) ( X-1 ) ( X-1-2 ). Under Regulation F which requires Midland credit Management to furnish this specific information and answers to my questions, which is required by law, which they did not. On XXXX I received Midland Credit Managements response. I am disputing the validity of their responses as well as the validity of this debt. Midland states that they purchased and or acquired the debt on XX/XX/XXXX ( See ) ( Attachment ) ( X-2 ) midland also provided a statement from XXXX XXXX dated XX/XX/XXXX ( See ) ( Attachment ) ( X-3 ) that states midland acquired the debt on or about XX/XX/XXXX. Midland has shown willful intent in its misleading statement to the CFPB on the acquired debt date. Midland is in violation of regulation F. Further, what is the ONE Itemization date Midland is claiming to use required by regulation F? They have not clearly provided that date as the basis for any of their claims against me. I requested that midland furnish when the last payment was made to the original creditor, it did not provide that date. Midland states the first date of delinquency was XXXX how did midland come to that conclusion? When was the debt considered thirty days past due? From the billing statements provided by midland page 17 of the pdf. the Last payment was made on the account onXX/XX/XXXXwith a statement date from XXXX to XXXX ( See ) ( X-4 ). Those dates make it impossible for the first 30-day delinquency to be on XXXX. When is the statute of limitations, how did they come to that date, midland failed to address those question as well or provide proof of that date. Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F. While midland maintains that the original contract as well as the complete payment history and full billing statements are not required under the FDCPA. It must provide the first original billing statement from the original creditor validating the time the account was opened or the original application that states when the account was approved and what address it was opened at. This is needed to validate that the account is mine in the first place as random billing statements do not validate the debt. They have supplied neither of these documents. The first billing statement provided by midland was XXXX to XXXX with an address of XXXX XXXX XXXX XXXX XXXX Idaho, is this where the original account was opened? ( See ) ( W-1 ). Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F. Further, since midland bought the debt and no longer has the authority from the original creditor all the evidence midland has provided is hearsay in a court of law. Midland States information by the seller XXXX XXXX bank N.A. at the time of Acquisition with no proof indicates this account originated on XX/XX/XXXX. Where is that document? What state was that opened in and what address? Midland has shown willful intent with its misleading statements to the CFPB. Midland is in violation of regulation F. further ; midland has provided No Date of birth for the account in question nor the phone number or address which it verified to be accurate that is associated for this account. ( See X-2 ) Midland states the account was charged off on XXXX. Where is the charge off statement that verifies this date? Midland supplied a billing statement dated XXXX to XXXX nowhere on this statement does it indicate that a valid charge off was completed. ( See ) ( X-5 ) ( X-6 ) Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F. Midland states that on XXXX it sent me a validation letter. Why would midland send a validation letter that I did not request, did I open a dispute with midland? no. Where is a copy of this validation letter? Under regulation F midland is required to maintain all records for this exact reason. To what address did you send it to? The address on the billing statements received by midland from dispute XXXX show an address of XXXX XXXX XXXX. XXXX, WA XXXX ( See ) ( X-5 ) as well as XXXX XXXX XXXX XXXX XXXX Idaho XXXX ( See ) ( W-1 ). While midland maintains the piece of mail it sent and was not returned what proof does it have it even sent the letter, what address did it send it to? Is the occupant at the addresss if any required to return to sender if the person in question does not live there, did they mark return to sender and Midland ignored it? Midland has not satisfied that I received the mail it says I did i do not live at those addresses. Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F. I requested that midland furnish their authority to collect the debt in state of Washington with the date of the license, the name on the license, the license number, and name, address and telephone number of the state agency issuing the license. They did not provide this information to me which is required by law. Instead, midland states that I should rest assured they are. Midland has shown willful intent in its misleading statement to the CFPB. Midland is in violation of regulation F. Washington state RCW 19.16.110 License required. No person shall act, assume to act, or advertise as a collection agency or out-of-state collection agency as defined in this chapter, except as authorized by this chapter, without first having applied for and obtained a license from the director. Nothing contained in this section shall be construed to require a regular employee of a collection agency or out-of-state collection agency duly licensed under this chapter to procure a collection agency license. Midland states ( See ) ( X-2-1 ) that on XXXX this account was placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX Oregon XXXX. Midland states XXXX XXXX initiated a demand letter on XXXX, where is a copy of this demand letter? What address did they send it to? What authority does XXXX XXXX have to collect the debt in state of Washington? What is the date of the license, the name on the license, the license number, and name, address and telephone number of the state agency issuing the license For XXXX XXXX? Midland also states a Lawsuit was filed on XXXX By XXXX XXXX. I was never served with any registered mail or service of process for this lawsuit which is required by law. Further, I am assuming that the registered mail or the service of process was not executed because I did not live at either address, the lawsuit was not valid, if it was filed it is frivolous and without merit. The statement that midland notified me of the original debt validation letter on XXXX ( See ) ( X-2 ) that I did not request they send is invalid and in violation of regulation F. as they would know as the lawsuit was not properly served therefore invalidating that they notified me at the correct address for the original validation letter they sent on XXXX, What address did you send it to? What state and county was the suit served in. Where is a copy of this letter that you are claiming I was served and sued for? Was there a judgment? What was the judgement? Under regulation F midland must provide this information. XXXX XXXX has shown willful intent in its misleading statement on behalf of Midland credit management to the CFPB. Midland is in violation of regulation F. as well as XXXX XXXX. Further, this account from the original creditor does not show on any of my credit reports, only midland credit agency. In closing Midland funding has NOT validated this debt as mine, due to the numerous reporting inaccuracies as well as the false statements made by Midland funding credit management. Midland Credit management has made many severe accusations toward me and violated my rights and harmed my credit. Regulation F was not followed, and midland credit management has demonstrated that the law does not apply to them. To avoid further litigation, all Collection on the account must cease and desist, and the negative trade line must be removed from the XXXX, XXXX, XXXX.
Company Response:
State: WA
Zip: 989XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account with Midland Credit Management-XXXX XXXX XXXX a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.
Company Response:
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I came to an agreement with midland on a payment plan that satisfied both parties. The last copy of a document I received was after I made a phone call to set up my payments automatically which states I would pay {$100.00} on XX/XX/XXXX and then subsequent recurring payments of {$100.00} beginning XX/XX/XXXX and last payment of {$100.00} on XX/XX/XXXX. I have made all agreed upon payments which were taken automatically and electronically from my account ending in XXXX as per the agreement. I have upheld my end of the agreement and I no longer owe midland anything for the account they own which was previously an express credit card owned by comenity bank. Midland is showing on their website when I log into my account that I still owe {$230.00} and that my account number with them changed and shows no payment history nor allows me to check my old account number. They sent absolutely no correspondence that my account number was changing. Now they are incorrectly reporting this debt and it is still showing on my credit report and harming me when I have done the right thing and worked hard to repay this debt. I called early XXXX and a specialist said the account was paid off, and did nothing else about it. I have since tried to contact midland multiple times to which I have received zero response and no contact whatsoever.
Company Response:
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Its been going on for a couple months now. When Midland credit calls, I'll Ignore the call and then the will right back. I'll ignore the call and they will call back and this will go on for about XXXX calls. It happens about twice a day. Every day. On XX/XX/XXXX I got fed up with the repeating calls. ( it affects me at my Job ). I answered the phone and told the operator to stop calling me they are harassing me. The calls stop for a bit. Today XX/XX/XXXX The calls started again. So I would like to make a formal complaint of Harassment. I understand I am in debt and will pay it back as soon as I am able to, but these calls are getting me in trouble with the job I need to pay them back. I can provide screenshots of all the repeated calls if necessary.
Company Response:
State: UT
Zip: 84104
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account is in litigation and has already been paid. The company Midland Credit Management purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692a ( 1 ) states the term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus when there is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933 XXXX enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for {$5100.00}.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A