Date Received: 2021-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am a client of XXXX XXXX a debt consolidation company. They settled an account with XXXX XXXXMidland Credit Management in the amount of {$2600.00}, from the original {$5700.00}. The debt has been fully paid on XX/XX/XXXX after monthly payments starting in XX/XX/XXXX of {$100.00} and the final payment of {$120.00}. I got an alert from XXXX and XXXX that received a negative file on my credit report from Midland Credit Management in XX/XX/XXXX. Upon checking it is for the remainder of my balance that was previously settled upon and no longer owed. Midland Credit Management is trying to go back on their settlement and receive the entire sum which is not the agreement with myself or XXXX XXXX. I have contacted XXXX XXXX and they are also aware and fighting this, Ive contacted Midland Credit Management and they just try to bully me and not tell me what the debt is for only that it is my debt and that it is owed.
Company Response:
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted Midland in an attempt to resolve the debt. They agreed to settle the inflated balance from roughly {$490.00} to {$300.00}. I started the arrangement with an initial payment of {$100.00}. Later when I went to make the next payment, they had no information on the arrangement we agreed on, and additionally the owned balance hadnt changed and 3 months later, the balance still hasnt changed. It should reflect a balance of {$200.00} or even at the least {$390.00} after my {$100.00} payment. After speaking with them they acknowledge the payment I made, but nothing about the settled amount agreed on. This is unethical collection practices which has hurt my credit substantially because I refuse to be taken advantage of by shady business.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Midland Funding of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Midland is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. Midland has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Company Response:
State: CA
Zip: 93280
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have disputed the debt shown by them on my credit report. After asking for a method of verification in which they have not responded to the bureaus request they have contacted current and previous landlords. They have also sent a letter requesting information on me from an attorney 's office as they have not verified the debts as accurate and mine. The letter also shows my name as inaccurate as my name and only name is XXXX XXXX XXXX. It is the law that this company reports this information accurately on my credit profile. In this instance this information has NOT BEEN VERIFIED, nor is it being ACCURATELY REPORTED. Midland Funding has not been able to verify this alleged debt, the attorneys office does not state who they are working on behalf of, and Midland company is reporting this information on my credit profile without proper verification. This is a VIOLATION and I expect this erroneous information to be DELETED from my Credit profile with your company. Please see the letter I received from the attorneys office and the letter that I sent for verification of the debt. Please send an updated copy of my credit report after you have made the appropriate changes.
Company Response:
State: IL
Zip: 60505
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I was called on XX/XX/XXXX I was left a voicemail by a compliance officer and a case number saying there was a pending case against me not stating what for but threatened to have someone come to my place of residence or employment to sign papers still not stating what for when I returned the call the man stated that they were a debt collection agency attempting to collect a debt owed from a company called midland funding I have a collection on my credit for a midland funding so I thought this was the debt and when asked I said yes that is a debt I owe he then proceeded to say it was for a payday loan I received in XXXX. I asked for proof of this debt as I dont recall and he told me that is what the compliance officer is going to give me when he finds me at my place of residence or employment. They have apparently called me multiple times and now they have left that voicemail again not stating where they are calling from and what the debt is until I returned the phone call and still he didnt provide me with adequate information so I can confirm this debt is me. If Im not mistaken they are required to let me know who they are in the voicemail they left that was threatening which they didnt do and I dont believe they are allowed to come to my job for that.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: These are not my accounts I have no obligation to pay these debts. i sent a debt validation request to the debt collector called Midland Funding LLC for both accounts on XX/XX/2021 to validate the these debts and you received it on XX/XX/2021 certified mail and return receipt see attached so you have 30 days since you received it to respond and validate these accounts under the FDCPA and FCRA you are in violation since you failed to answer me that means you couldnt validate these are indeed my debts and you couldnt prove that I have any obligation to pay these debts so you must cease all collection effort and desist any future communication with me.Remove these negative items from my credit report immediately
Company Response:
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have disputed a charge that was paid off months ago several times through XXXX and directly with Midland Credit Management. I have uploaded the letter from the law firm Midland hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a MidlandFunding LLC. for {$1500.00} ( with XXXX XXXX XXXX, XXXX. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from Midland Funding LLC or XXXX XXXX XXXX until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called XXXX & XXXX and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit. Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, Midland Funding LLC an article came up indicating your organization filed a Consent Order against Encore Capital and it's subsidaries ( including Midland Funding LLC ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from Midland Funding back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX at the time and the proof of service was filed in XXXX XXXX that indicates I was notified at my rental property in XXXX XXXX. Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.
Company Response:
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XX/XX/XXXX Midland Funding has been reporting a debt that is not mine. During this time they contacted me multiple times a day. They threatened me over the phone, posed as lawyers, and told me that they where going to garnish my wages if I did not pay them the debt. During the time of the calls, I repeatly ask midland Funding to stop calling me, and to only contact me by written mail. I never received any letters from midland funding about the supposed debt that they claimed that I owed. In XXXX of XXXX Midland Funding attempted to sue me in small claims court. They never served me any notice, despite having my correct address of the time. They then proceeded to withdraw their claims to the court. The court case was dismissed on XX/XX/XXXX. During this time I was not contacted by midland funding, either through mail or by phone. I have since then been trying to contact Midland Funding. I have contacted them through all of their known address, including the address that was on the court documents. I have never been able to validate this debt, or have had a chance to disputed the debt with them. After years of trying to validate this debt, I disputed the debt with the credit Bureaus. After investigating the matter, both XXXX and XXXX determined that there was not enough information to determine the debt belonged to me in XXXX. During this time Midland Funding still never contacted me or sent any letters regarding the information that they have about this supposed debt. I have been attempting to contact midland funding while trying to dispute this debt with XXXX Credit Bureau. I have never been able to reach midland funding until 2 months ago. Midland funding provided a piece of paper with the name of the original creditor, the original account number, a charge off date, and amount due. I reviewed the information given to me, and I do not recall ever having an account by the information that they sent me. I followed up immediately with a letter asking for more information. I sent the letter out 30 days ago, and have not since heard back from Midland Funding. They have refused to validate this debt in anyway.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A