Date Received: 2021-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Identity Theft! The information that has been provided by the company who purchased this debt does not reflect to be true. Therefore this must be a case of ID Theft. Furthermore, Midland Credit Management from their own admission is not the original creditor and would have any contractual agreements that showcases any obligation that I would have if this was not a case of ID theft.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, I received an email from my employer that they were notified, during the pandemic that garnishment was issued to my employer by Marshal Office XXXX XXXX Badge No. XXXX that a judgement against from Midland Funding LIC in the amount of XXXX, XXXX. I appeared in court and sought legal assistance prior to XX/XX/XXXX, and once again I was not provided with the decision of the case until XX/XX/XXXX. During this time from XX/XX/XXXX, I was an essential worker and my employer was not able to give the time I needed to follow up on the case and after that my family and I contracted XXXX and my husband was out of work. Needless to say the garnishment that I was informed that was to occur on XX/XX/XXXX, did not occur until XX/XX/XXXX, when I received my check. I am unable to have a garnishment as I was already threatened by my employer that this garnishment would cost me my job. As stated a second garnishment an employee is not protected and at this point, I am unable to pay my rent and support my XXXX children this is a true hardship to my family and I. I am also confused why Midland Funding LIC is garnishing me on a judgment that I was not serviced and as per the description on the Affirmation in Opposition to Order to show cause the person that was served back on the date that is documented by Midland Funding LIC states on XX/XX/XXXX they served papers to a XXXX-year-old woman and I was born on XX/XX/XXXX, which makes me XXXX as of XXXX. I also can not understand why I was notified of the judge 's decision, on XX/XX/XXXX, during a pandemic, and my employer back on XX/XX/XXXX, threatened to fire me, and the only thing that prevented this was that the garnishment did not go through after XX/XX/XXXX. I am begging that this not occur as I will be unemployed and giving the fact that I am an essential worker the time I have is limited to fight again with my employer and filing an EEO complaint. So, Midland Funding LIC garnishment this time as of XX/XX/XXXX, will be cost me to be unemployed and this is very sad that this is allowed as from the start back on XX/XX/XXXX, I was not served papers, and the fact that I was already told by my employer that they will fire me given the fact that I am not protected, since this is my second garnishment, due to my husband is very unfair. I am trying to keep my families head above water and this is horrible as my kids just started getting their life back to normal that I will be XXXX and XXXX. This is horrible that Midland Funding LIC given the fact that Americans are barely able to survive would have taken a collection to garnish the weak population 's checks is inhuman. Just like I received the judges decision from XX/XX/XXXX, on XX/XX/XXXX, and surviving from XXXX systems that as of today I have is horrible. The way documentation is exchanged is unlawful from the start of XX/XX/XXXX. As I stated I do not owe this debit ; as per Midland Fundings records states why would payment to account XXXX have a payment made on XX/XX/XXXX {$140.00}, XX/XX/XXXX in the amount of {$30.00}, on XX/XX/XXXX another payment of {$36.00}, on XX/XX/XXXX payment 0f {$35.00} and four years later another payment was made on XX/XX/XXXX for the amount of {$36.00} and XX/XX/XXXX payment amount of XXXX if a garnishment is occurring how did I make payment as per Midland Funding LIC records state I did. Please also note that my paycheck is made out to XXXX XXXX, which is my legal name. Does it appear that Midland Funding LIC can not explain why I am being garnished for an account that it appears as seen in the attachment I made payments to? So, I am very concerning why I am being garnished for an account that payments were made and under the name XXXX XXXX.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.
Company Response:
State: GA
Zip: 30701
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, I received an email from my employer that they were notified, during the pandemic that garnishment was issued to my employer by XXXX XXXX XXXX XXXX Badge No. XXXX that a judgement against from Midland Funding LIC in the amount of XXXX, XXXX. I appeared in court and sought legal assistance prior to XX/XX/XXXX, and once again I was not provided with the decision of the case until XX/XX/XXXX. During this time from XX/XX/XXXX, I was an essential worker and my employer was not able to give the time I needed to follow up on the case and after that my family and I contracted XXXX and my husband was out of work. Needless to say the garnishment that I was informed that was to occur on XX/XX/XXXX, did not occur until XX/XX/XXXX, when I received my check. I am unable to have a garnishment as I was already threatened by my employer that this garnishment would cost me my job. As stated a second garnishment an employee is not protected and at this point, I am unable to pay my rent and support my two children this is a true hardship to my family and I. I am also confused why Midland Funding LIC is garnishing me on a judgment that I was not serviced and as per the description on the Affirmation in Opposition to Order to show cause the person that was served back on the date that is documented by Midland Funding LIC states on XX/XX/XXXX they served papers to a XXXX-year-old woman and I was born on XX/XX/XXXX, which makes me XXXX as of XXXX. I also can not understand why I was notified of the judge 's decision, on XX/XX/XXXX, during a pandemic, and my employer back on XX/XX/XXXX, threatened to fire me, and the only thing that prevented this was that the garnishment did not go through after XX/XX/XXXX. I am begging that this not occur as I will be unemployed and giving the fact that I am an essential worker the time I have is limited to fight again with my employer and filing an EEO complaint. So, Midland Funding LIC garnishment this time as of XX/XX/XXXX, will be cost me to be unemployed and this is very sad that this is allowed as from the start back on XX/XX/XXXX, I was not served papers, and the fact that I was already told by my employer that they will fire me given the fact that I am not protected, since this is my second garnishment, due to my husband is very unfair. I am trying to keep my families head above water and this is horrible as my kids just started getting their life back to normal that I will be homeless and jobless. This is horrible that Midland Funding LIC given the fact that Americans are barely able to survive would have taken a collection to garnish the weak population 's checks is inhuman. Just like I received the judges decision from XX/XX/XXXX, on XX/XX/XXXX, and surviving from XXXX systems that as of today I have is horrible. The way documentation is exchanged is unlawful from the start of XX/XX/XXXX. As I stated I do not owe this debit ; as per Midland Fundings records states why would payment to account XXXX have a payment made on XX/XX/XXXX {$140.00}, XX/XX/XXXX in the amount of {$30.00}, on XX/XX/XXXX another payment of {$36.00}, on XX/XX/XXXX payment 0f {$35.00} and four years later another payment was made on XX/XX/XXXX for the amount of {$36.00} and XX/XX/XXXX payment amount of XXXX if a garnishment is occurring how did I make payment as per Midland Funding LIC records state I did. Please also note that my paycheck is made out to XXXX XXXX, which is my legal name. Does it appear that Midland Funding LIC can not explain why I am being garnished for an account that it appears as seen in the attachment I made payments to? So, I am very concerning why I am being garnished for an account that payments were made and under the name XXXX XXXX.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
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: XXXX I filed a dispute about the Midland Funding LLC entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. XXXX said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. So both Midland Funding and XXXX are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company is Midland Credit Management. I paid this debt and have a letter sent from them stating it's paid and I have no further financial obligations for the debt. They are still reporting a collection. They violated the fair credit report act. They change the amount to XXXX and then back to original amount constantly. That violates the act. They removed 2 of the collections off my credit report but they are not removing one of the collections that is paid and part of the settlement letter. This company is fraudulent. I want the collection removed from my credit report because it is paid. XXXX and XXXX I have sent documentation showing proof it's paid but they don't remove it they tell me that they believe the agency over the consumer even with proof of payment.
Company Response:
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not answer the phone and so I called back the caller, I waited to hear what they had to say and then told them that I do not believe that I owe any thing to the company due to only having funds in one financial institute for many years. Just recently I had received some funds through the institute which this collection company states I owe from, the funds were from my father which made me a private client at XXXX, and I believe if I owed any thing they would have brought it up over the last almost 2 yrs. In order to be a private client you must have excellent standings within the financial institute. So for me to receive such a call and in a language that was not in English, I asked for documentation. I received the documentation but it is not accurate nor familiar at all to me. It doesn't really say anything except some fraudulent payments and judgment info that is not even on my credit report. I do not want them to think they have the right to try and put some collection on me that's not mine. Also they have done this in the past and finally said okay its not your debt and stopped sending and calling me about it. That was about a year and a half ago and now its something else. They used a court house in XXXX XXXX to use as a back up for them and its a clerk that is doing this there. I will attach a copy when I am able while sending this to you. The Midland Collection Company has a real bad reputation for fraudulent reporting as well as their collection methods... quite honestly I'm tired of them always trying to prey on those they do not think will fight back. I am prepared to go all the way. Thank you
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On about XX/XX/XXXX through XXXX of XXXX, I have contacted XXXX and inform them of my hardship and that I wasn't able to make the same payments that I was making nor to pay off the credit card in full like I normally was doing. I asked for assistance in paying less of the minimum until I pay off the account, suggested to payment arrangements, and or freeze my account from recurring past dues and interest charges. Of course, they treated me calling every day at all times to the attempt of harassing and not helping me at all. On XX/XX/XXXX I was hired to work at the XXXX XXXX XXXX XXXX XXXX XXXX in which 3 weeks later I was let go being sued according to some workers that came to my attention with it when I asked for assistance I was turned down and because of this sue allegedly reasoning for termination of my employment with no warning no discipline actions of any kind. The information is given " didn't work out because I wanted to serve the communities and children '' ( low blow ). 3 days later this woman hired to deliver the court hearing threatened me if I didn't open my door and let her in. Her on words I have something to give you, you need to open the door, and if not everyone will know your business. She continue pushing my door louder and demanded for me to open my door. She was impersonating to be law enforcement didn't provide her name nor company she was representing. She continued to intimidate me by saying I have taken pictures of your car as well. The company suing me is called Midland Collector Management and the law firm working for them has not made an attempt to answer the letter requesting information as far as I do not know who is Midland Credit Management Inc. My case is XXXX
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management sued me, via XXXX, XXXX XXXX XXXX XXXX XXXX, with a summons issued on XX/XX/XXXX. The case was just dismissed on XX/XX/XXXX, but it should have been dismissed a long time ago. I've been to court three times now for the same matter. I filed, without an attorney, two motions, a letter to Midland, and attempted to file an asset subpoena. The attorney never received the second motion, filed XX/XX/XXXX. She read my copy. Midland kept alleging that my account was opened as a XXXX XXXX, when it was opened as a XXXX XXXX, which was later transferred, by XXXX, into their MasterCard program. I have all of my purchase receipts and billing statements, and nearly all of my payments were made in-store, so I have those receipts as well. I was never invited into the courtroom to show my evidence. The attorney ( mediator ) for XXXX always met with Midland debtors outside the courtroom to get people to arrange a payment arrangement. I would never do it because they kept sending me copies of statements that didn't match mine. That was my main issue. I have an account and the issuer did charge it off, but it appears to be lost. If a debt collections company is going to go to the effort and sue me, the onus should be on them to prove their case. I shouldn't have to keep requesting info in order to verify they have the right account. And where are my rights? I should have been let into the courtroom once I said that they didn't have the right account and I had evidence to prove it. Not only that but Midland reported my account to the credit bureau before they got a payment arrangement or won a judgement. Someone got my XXXX XXXX deleted from my credit file, along with five years ' worth of payments that I did make. And even XXXX XXXX conceded that my account was opened as a XXXX card, so I don't understand the disconnect between a debt collector and their law firm.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Company Response:
State: NJ
Zip: 07201
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A