Date Received: 2023-11-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I demand that midland credit stop communicating with me as described in the fair debt collection practices act. That act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium to which I especially want this company to cease communication.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received notices in the mail from an attorney claiming that I owe debts to Midland Credit Management. I have no knowledge of these debts. I sent separate notices, pursuant to 15 USC 1692g Sec. 809 ( b ) to Midland Credit Management, by certified mail with return receipts, disputing these debts as I have no contracts and do not owe the accounts that Midland Credit Management has reported to the major credit bureaus. I asked that they send me the original contracts as I requested and they did not provide me with anything on any of the accounts that they are fraudently reporting. I believe that the false information reported is defaming my character and the company did not follow the FDCPA in investigating these matters as my disputes went ignored and the accounts stayed on my credit reports.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 Pursuant to 15 USC Section 809 ( B ) I'm putting you Midland Credit Management on notice that your claim is disputed and validation of the furnished account I received in the mail. The letter is dated XX/XX/2023. Midland Credit Management has not supplied proof under the doctrine of estoppel by slience, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated with the mail I receive and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? XXXX. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? XXXX. Did you purchase this alleged account from the alleged original creditor? XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to stop contacting me through the mail in 15 days as requested will result in legal matters being taken and me turning you Midland into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. In Good Faith Without Prejudice By : XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company has been communicating with me without my expressed consent. I had told them to stop and they continue which means that they do not care about violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that midland credit has chosen to continue to communicate with. All this is for the following account XXXX Furthermore they have stated that they only need to honor direct communication which is complete disobedience to federal law and complete willful violation of my right to privacy. In my dispute letter I made it clear that I wanted no more contact from this company unless it was to respond to a cfpb complaint or to send me a copy of the entire purchase agreement ( which they have not ). I demand them to cease because if they do not I am prepare to litigate. Additionally they have not validated the debt as they can not because I did not endorse a contract with midland credit pursuant to UCC 3-203, all they did was just purchase a contract and attempting to collect on it which violates federal law. This is also why they do not want to send me the entire purchase agreement ( not just the bill of sale ) and other validating data pursuant to 12 CFR 1006.34.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: A company called Midland Credit Management has called me 4 times from a private number. The first call I told them that I would not give any information to someone I didn't know, Calling from a blocked number. I received 3 additional calls in the last 24 Hrs.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Third warning Dear XXXX, I am writing in response to your letter regarding Case # XXXX. I am XXXX XXXX XXXX XXXX and i am contesting the allegations made in your letter. Firstly, XXXX XXXX insists that he is unaware of the debt you claim he owes. The mere mention of a " charge off '' does not validate the debt. We require further proof of this debt, including the original contract, a detailed payment history, and a full set of billing statements. While you argue that these are not required under the Fair Debt Collection Practices Act ( FDCPA ), they are essential in confirming the legitimacy of the debt. Secondly, XXXX XXXX disputes that he received the validation letter you claim to have sent on XX/XX/2022. The fact that the letter was not returned as undeliverable does not necessarily mean it was received by XXXX XXXX. We request proof of delivery to confirm that the letter was indeed received by him. Thirdly, XXXX XXXX 's phone number is registered on the national XXXX Not XXXX XXXX. Your assertion that your company is not a telephone solicitor and does not engage in telephone solicitation does not exempt you from the FDCPA 's prohibition on contacting consumers at inconvenient times or places. If XXXX XXXX did not give you permission to contact him, any calls made to him could be considered a violation of the FDCPA. Furthermore, we have become aware of unauthorized use of XXXX XXXX 's personal information, which is in violation of the provisions set forth in XXXX XXXX XXXX, also known as the XXXX XXXX ( XXXX ). This law protects the privacy and security of individuals ' non-public personal information. We demand that you immediately cease and desist from any further collection, disclosure, or use of XXXX XXXX 's personal information. Failure to comply with this demand will leave us with no choice but to pursue legal action. We request that you provide us with written confirmation within XXXX business days from the date of this letter, stating that you have ceased all unauthorized activities involving XXXX XXXX 's personal information and that you will take all necessary steps to ensure the information is securely destroyed or returned to XXXX XXXX. In conclusion, we demand that you provide further evidence to validate your claims. Until such evidence is provided, we maintain that XXXX XXXX is not obligated to pay the alleged debt. We anticipate your prompt compliance and cooperation.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Supervisor XXXX from XXXX XXXX contacted me after I requested a Sup. To call me.She informed me that a split credit profile was created in my name and for me to send supporting documents verifying who I am.Because of what Midland Credit Management Inc. had did entering the wrong social security number and creating split credit files.Also impacting my credit score severely. I emailed the documents to XXXX XXXX to the email she gave me but after months have gone by I called again and spoke to Supervisor XXXX in the online access department and she informed me the split profiles were still there.File # XXXXThis has been going on to long without me even knowing this.I want Midland Credit Management Inc to be deleted from all three major credit bureaus on my Credit Profile and to pay for damages that cause harm in different areas in my life affecting and causing emotional distress and suffering with a bad credit score!
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Please note, the pre-determined categories do not fit my situation, so I selected what I thought was the closest to my situation. On or about XX/XX/, Midland Credit Management contacted me via email regarding a XXXX card I once held. In the email, the Midland indicated they would like to set up payment arrangements to resolve the debt and that the debt was in a " Pre-Litigation '' status. I called Midland Credit Management at XXXX and spoke with XXXX XXXX. XXXX advised that I could enter a repayment agreement where an initial payment would be made by the XXXX of XXXX and then bi-weekly payments would begin. After determining an amount that I could afford, I agreed to go forward with repayment. XXXX began processing the repayment agreement and advised me that I was required to do a pre-authorization for ACH withdrawals for the payments every two weeks. I advised XXXX that I would not be willing to do that but would most certainly pay online, as there is an online feature to pay. XXXX then explained that I was REQUIRED to pay via pre-authorization for ACH and that I had no option. I refused and ended the call. On XX/XX/, Midland Credit Management sent me a " Pre-Legal Notification '' via XXXX. I reviewed the notice and learned they wanted to negotiate payment arrangements for the account. I contacted Midland Credit Management via XXXX and spoke with an XXXX XXXX. XXXX inquired as to what I wanted to which I responded that I was responding to their letter sent via XXXX. XXXX went on to explain that I could enter a repayment agreement, but that I would be REQUIRED to do it via pre-authorization of ACH and if I did not do this, I was refusing to pay. We went back and forth as XXXX attempted to explain that Midland Credit Management is the biggest company and very professional at what they do. I responded by again reiterating my desire to have a repayment plan with the company but that I would gladly make my payments online. XXXX explained that because I would not do a pre-authorization of ACH that he could not allow me to enter a repayment agreement and that this was a refusal to pay. I explained that I am not refusing to pay, I am refusing to give Midland Credit Management an ACH pre-authorization. XXXX responded by telling me it was the same as refusing and further that I do not have the right to call " up there '' and tell them what I am not going to do. XXXX explained that I MUST allow pre-authorization of ACH. I told him again that I would not allow this, and he proceeded to tell me that they were sending the case to a local attorney and that my wages would be garnished, and my bank account levied. When explained that wage garnishment is not an option, XXXX proceeded to tell me that it was and that this is what will happen because I am refusing to pay because I will not provide a pre-authorization. I do believe the call was recorded. I disconnected the call.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management ( MCM ) which is known as a SPAM caller has called by phone daily from different numbers which are the following... ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX
Company Response:
State: MI
Zip: 48182
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland Credit has been sending me letters and calling dozens of times a day for months. I have disputed this debt multiple times with both credit bureaus and have gotten absolutely nowhere as they just send the exact same documents to me and state that I am responsible for this debt. I am NOT responsible for this debt and I have notified them multiple times over the past 2 years. I am now being sued in court by a lawyer and have a court date on the XXXXXXXX XXXX XXXXXXXX. I am a XXXX percent XXXX XXXX and only collect my XXXX benefits. I have no other source of income. They do not " investigate '' the dispute, they just send the same documentation accusing me of a debt that is not mine. I have been threatened with legal action AND now have a court date. I can not afford a lawyer. I can't dispute the debt anymore than I already have with continuing to be ignored in my disputes and then threatened legal action and to take my XXXX pay. This is not my debt as I have communicated this over XXXX times now. I do not work and only have my XXXX benefits so on top of hundreds of phone calls and letters, to include letters from a lawyer, I have not only been threatened with legal action, I have had it taken against me for a debt that is not mine and have to go to court for this. I have also had the sheriffs department show up at my door and serve me.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A