Date Received: 2021-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A third party debt collector or debt buyer must establish an assignment that the person is the owner of the debt, and if the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership. Ownership must be attached to establish an unbroken chain or ownership- XXXX XXXX XXXXXXXX NO. XXXX. The assignment must describe the subject matter of the assignment with sufficient particularity to identify the rights assigned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1981 ) XXXX XXXX XXXX )
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I received a subpoena from Midland Credit XXXX XXXX in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. On XX/XX/XXXX Hurricane Ida damaged my home and I am now XXXX in Florida XXXX XXXX XXXX. I called XXXX XXXX XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said XXXX was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.
Company Response:
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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 AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME is XXXX XXXX. According to the Fair Debt Collection Practice Act, codified as 15 USC 1692, you, as a " Debt Collector '' are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail, or email in a fraudulent account. Your failure to verify this account is trespass on right to privacy and to contract. Under FDCPA, unverified accounts are considered a " Fictitious Obligation '' and any demand for payment of such is an attempt to extort and administer property without right. Definition and Points of Authority ( pursuant to Federal and/or State rules of evidence, rules of procedure and FDCPA/15 USC 1692 ) Federal Rules of Evidence 1001 ( a ) A " writing '' consists of letters, words, numbers, or their equivalent set down in any form. ( b ) A " recording '' consists of letter, words, numbers, or their equivalent recorded in any manner ( d ) An " original '' of a writing or recording means the writing or recording itself or any counterpart intended to have the same effect by the person who executed or issued it. For electronically stored information, " original '' means any printout -- or other output readable by sight if it accurately reflects the information. An " original '' of a photograph includes the negative or a print from it. Rule 1002. Requirement of the original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statue provides otherwise. 18 USC 514 ( a ) Whoever, with the intent to defraud ( 1 ) draws, prints, processes, produces, publishes, or otherwise make, or attempts or causes the same, within the United States ; 28 USC 1746- Unsworn declarations under penalty of perjury Whenever, under any law of the Unite States or under any rule, regulation, order, or requirement made pursuit to law, any matter is required or permitted to be supported, evidence, established, or proved by the sworn declaration, verfication, certificate, statement, oath, or affidavit, in writing of the. person making the same ( other than a deposition, or an oath of office, or an oath required to be taken before a specified official other than notary public ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verfication, or statement, in writing of such person which is subscribed by him, as true under penalty of perjury, and dated, in substantially the following form : ( 1 ) if executed without the United States of America : " I declare ( or certify, verify, or state ) under penalty of perjury under the law of the United States of America that the foregoing is true and correct. Executed on ( date ). ( Signature ) ( 2 ) If execute within the United States, its territories, possessions, or commonwealths : " I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executedon ( date ) ( Signature ) Stating from 16 CFR 433.1 ( f ) it defines contract as any oral or written agreement, formal or informal, between creditor and a seller. Therefore, I never signed or orally said that I agreed to pay this alleged debt or even gave them permission to sell my information to a third party seller. 16 CFR 433.2 ( a ) invokes my right as the debtor to assert all claims and defenses. 15 USC 1692c ( a ) Communication with the consumer generally. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692e ( 2 ) The false representation of -- ( a ) the character, amount, or legal status of any debt; or ( b ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$840.00} MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} MIDLAND CRED XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$2400.00}
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: earlier this year I was impacted by COVID. I paid and settled one account with Midland credit, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a scholarship I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Credit Management claim that they have the court order and rights to contact my employer. They also contact my colleague and emailed my personal information and spreading my confidential information to my colleague, which is they told me that Judge authorized them to do so. Midland Credit Management claim that I owned money from XXXX XXXX, I have been request more documents to approved that is my account from them, Midland refused to provide any documents to me and keep sending the letter to my employer ( They said that is court order to allow them to do that ) Also they emailed the secure message to my colleague as well ( Midland told me that Judge also authorized them to contact my colleague ). Finally, Midland provided me with three bank statement of XXXX. Which is my name on the statement and the address I can not recognized. Since I'm disputing the case, Midland should stop contact my colleague and my employer. I will file the Fraud affidavit also will report the issue to the local policy office.
Company Response:
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I explained that I do not owe any debt nor do I have a contract with them
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2016 opened a collection. Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also they have not verified that I owe this debt to this alledged company. Please have this removed from all three credit bureaus XXXX XXXX
Company Response:
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom this may concern, I m contacting you guys in regards to a problem I'm having with Midland Funding LLC. I have contacted the company several time trying to pay the debt owe on my account from XXXX XXXX XXXX ACCT # XXXX. Date XXXX XX/XX/XXXX Balance updated XX/XX/XXXX I don't recalled receiving a letter from this organization or it may have inadvertently got misplaced. I've been trying to pay and get some information in regards to my accounts and I'm been told that they don't have any information on file with my social security and my phone number. I was told that the company is updating file from Midland Funding LLC to Midland Credit. They should make provision so that I as a consumer should not affect me getting information regards to credit and also trying to resolved the issue. I was giving several phone # and spoke to several representative who did not help.I 'm trying to clean up my credit and I'm getting the run a run from the folks at Midland Funding and Midland Credit Management. I was also told that they can't help me if I don't have a MCM number and I trying to pay the balance owe so I can improved my credit rating. I have contacted there offices over ten times since yesterday and today with no answer.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit management for {$1400.00}. They have been harassing me for sometime. They filed a lawsuit in XXXX, but I live in XXXX. They have inaccurate information on me and I dont know how to get them removed from my credit. Ive filed several disputes.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A