Date Received: 2021-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reached out to the credit bureaus and the creditors XXXX XXXX, MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX ) and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: The most recent call from Midland credit called me and we spoke about settling the debt for a lower amount. The person I was speaking with wanted me to do it right then, wanting me to give my bank account number, my credit card number or my debit card right then. I told him no, I would send him a cashiers check and he did not want to agree to that .He wanted the payment right then. My boyfriend was sitting next to me listening to this conversation I was having with the debt collector. He saw me getting upset. The man kept saying hold on, hold on, hold on, every time I said no Im just going to hang up now he would say hold on hold on hold on. I felt I was being harassed, bullied and I was getting physically stressed out. To me and my boyfriend it sounded like The collector would agree to my offer if I paid it right then but if I wouldnt, he wouldnt agree to the offer. I have read my rights, and it says to get it in writing before I send in any money. I did make a couple of payments in the past to XXXX XXXX before it was bought by Midland credit. On another attempt, I called Midland credit and it sounded like the same man I spoke to earlier, I asked him if he would take another offer and he said he would if I made the payment right then, again I said I would send a cashiers check. He said hold on and he would check with his supervisor he would be back in 30 seconds, I was on the phone waiting for him to come back for over eight minutes finally I hung up.
Company Response:
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact exist.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, I entered into an agreement with Midland Credit to repay I debt. The agreement was to settle the account for a percentage of the total balance. I paid the agreed upon balance in full. I even setup for automatic payments so they could take money from my account monthly. After the agreed upon amount was paid in full the company then requested that I pay balance of the original sum. When I called and told them a mistake was made because I paid the agreed upon balance in full they stated that I defaulted the agreement by missing a payment so that it terminated agreement and now the entire balance was due. Few things wrong here. 1. They stated I defaulted which terminated the agreement but they continued to take schedule payments from my account monthly as if the agreement was still in place. 2. They do not provide a definition of default when I asked them to define it they stated that missing 1 payment was defaulting. This was not made know when making the agreement. 3. I setup for automatic payments to be taken directly from my account. I always have money in my account and for some strange reason there isn't money in my account, I have over draft so my bank would still make payment. My bank statement does not show any attempt by this company to take the scheduled payment. 4. This company have made threats via US mail to take legal action if I do not pay the debt. And have made false reports to debt credit companies. 5.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Started communication with Midland back in XX/XX/2021 and asked to verify the alleged debt they're trying to collect. They didn't respond within the timeframe and when they did respond it was just a copy of a letter from XXXX XXXX stating that the alleged debt was sold to Midland Credit. Midland has been unable to verify the alleged debt and I have sent them another letter asking them to verify the alleged debt and I have gotten no response.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Got a letter in the mail saying they are going to sue me for purchases on there credit card and I know I didnt make those purchases, but someone is using my name and social security number for this card that I didnt sign up for.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: " Midland credit management '' as they like to call themselves keep calling me saying that I owe them over {$700.00}. I have never ever worked with this company and frequent attempts to make them stop calling me has failed.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: midland credit management is attempting to double collect on an account that was settled by a debt consolidation company and midland credit management agreed, collected an amount, and cherged off this account in XXXX this is an illegal attempt to collect against that agreed upon settlement and cgarge off .i have attached a agreement between them and bedrock legal with the account numbers
Company Response:
State: OH
Zip: 43302
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/2021 I contacted midland credit about an account they sent me notification on. The notification said that if I pay the amount due according to this notification within three months of being contacted by them that this would not be reported to the credit bureaus. I paid in full as agreed trying to be compliant with the request and avoid the data being reported on. also on the Midland website it clearly states the following, but they are still reporting it to XXXX. **We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ). **We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ).
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management collection agency was calling me frequently. I told them I was affected by covid and was in a bind due to losing my job. The company continued to harass me. Now Ive called them XX/XX/XXXX and XXXX trying to settle the debt at a lower percentage due to me trying to borrow the funds from someone else. I explained to them my current unique situation but the company really didnt care. Midland credit management stated that their company is only able to give out a 40 % discount off of the debt but sent a document stating otherwise.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A