Date Received: 2021-11-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I have received a notice to appear in XXXX XXXX. The plaintiff, Midland Credit Management Inc has accused me for a credit card debt of {$1400.00} and I don't know anything about that credit card. On XX/XX/XXXX, my wallet with all my personal information such as FL ID, Work Permit and Credit Card was lost on my way going home from work on XXXX XXXX XXXX. I have reported the incident to XXXX XXXX XXXX and a police report was issued to me. After the Courts hearing, I have emailed the Police Report to the plaintiff and I have been instructed to to report the case to Federal Trade Commission.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was initially contacted, rather served with a notice to appear for pretrial conference on XX/XX/2021, served on date of XX/XX/2021, where I was living at the time. I immediately call the company to seek further information and sort this out as this is a surprise to me and originally what appears to be a billing error by card issuer and I was not aware who this company ( Midland Credit Management ) is or was at the time as I never contracted with them, ever. I mailed out a offer to perform upon on the validation of the alleged debt. Sent via certified USPS on XX/XX/2021 in which they received on XXXX XXXX, in which I have yet to receive a response to this date as I am writing this complaint. Fast forward to the pretrial date of XXXX XXXX, I arrived 15-10 minutes earlier, at the time for the pre-trial conference, I enter the court to what was an empty court room, for the bailiff to come out and say that the Judge said that there would be no pre-trial today and I can go home ( needless to say an entire work day wasted ), to wait that I would receive correspondence to appear for trial. a week later, I received a notice to appear on a XXXX meeting for mediation dated for XX/XX/2021. No additional information provided. Fast forward to XX/XX/2021 approximately at XXXXXXXX XXXX I log in to my XXXX app and enter the meeting details and another persons information pops up, I was not allowed into the meeting by XXXX XXXX, and I found it awkward that someone else 's information was on there. I exit out, called the number on the notice and no answer. I left a voicemail but never received a call back. Today, I log into the county records page and see that a mediation report was submitted and states that I was not present for pretrial. I have mailed and requested a full and thorough validation of the alleged debt and Midland Credit Management has not responded to any requests. This is abuse and needles to say these tactics are unconstitutional and seems like the law is on their side and for their favor when the law is to protect us, we, the people. This type of mental manipulation is a violation of my rights and this company needs to respond for their damages they have caused and reprimanded for their unfair practices. I have sent 3 requests to Midland Credit Management and to their collections LAW FIRM XXXX, XXXX, XXXX, XXXX and they have yet to produce any instruments validating the alleged debt, balance, and consumer information. I attached a notarized Affidavit of Truth with my statement and the request to produce mailed on XX/XX/2021 via certified USPS mail. Midland Credit Management and XXXX XXXX collections law firm are in violations of my rights and colorful laws, as well as manipulating the outcome of the situation in their favor.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ). A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX. Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account. On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day. I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check. On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021. On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service. I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Advised this company in 2020 that I have no debt with them but they keep trying to get money from me & now wants to sue me in court.
Company Response:
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX XXXX XXXX XXXX XXXX. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX & {$XXXX I am well aware of my rights as a consumer. The XXXX XXXX XXXX XXXX requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND FUNDING, XX/XX/2017, {$3800.00} MIDLAND FUNDING, XXXX, {$1300.00} MIDLAND FUNDING, XX/XX/2017, {$1300.00}
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2021 I was given a XXXX package that was delivered, no signature required. This notice was from the company who sent me a notice that clearly stated final notice, an assumption this company has sent letters previous times via, email, XXXX, XXXX or other carries. Please make note, I have only received this ONE notice and nothing more and ONLY because it was intercepted by the current residences of the address the XXXX packaged was addressed to. I was never afforded to option to dispute this account, and have it validated/verified. If I was contacted accordingly I would have had the option to dispute the account in question however now, I am being threatened with lawyers and lawsuits. I have sent this company a validation/verification letter and also, another letter stating I did not receive any initial correspondence that would indicate a new account was established with this company, I also asked for signature verification to prove I had indeed received any correspondence from this company or proof something was signed and delivered to me. For roughly a year I was living in XXXX XXXX and no mail would have been delivered to the address on the UPS package, something that was noted with anyone I was doing business with. I feel at this point, this company neglected to send proper notification to me and because of this, I was unable to dispute an account that was opened without my knowledge.
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLANDFUN & {$720.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: An attorney for 'Plaintiff ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX This debt is about XXXX YEARS OLD now ... .. how is this even legal??
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I always check my credit history and found that I had a collection for a utility company in XXXX Texas. Ive always lived in XXXX Texas and attended college here in XXXX. I have no connection or tie to any of the debt that is owed to midland kollections. I have never lived outside of XXXX Texas.
Company Response:
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A