Date Received: 2021-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with MIDLAND CREDIT XXXX plus they did not provide me with the original application like I asked. Account No:XXXX Amount Disputed : {$1900.00}
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I and my financial advisor contacted XXXX XXXX requesting to close out my credit card. XXXX XXXX was the issuing bank for XXXX XXXX. On XX/XX/XXXX I made a payment of {$120.00} which reduced my balance to {$350.00}. My financial advisor pointed out that the statement dated XX/XX/XXXX disclosed that XXXX XXXX charged me {$200.00} in fees and {$56.00} in interest for the year up to that point. My credit limit was only {$250.00} and I had not used the card to do any purchases in quite some time. My financial advisor also pointed out that the disclosure of interest of 29.24 % per annum on purchases was deceivingly displayed when in fact the finance charge was strictly calculated on fees that XXXX had been charging me. XXXX did not comply with my request to close out the account and continued charging excessive penalties and fees and eventually charged off the account XX/XX/XXXX and assigned it to Midland Credit Management. The annual percentage rate when factoring the fees is probably over 1000 %. Midland Credit Management has threatened wage garnishment and as new owner of the debt needs to justify why XXXX XXXX refused to close out my account. My financial advisor is willing to sign an affidavit disclosing the date and person spoken to when I requested the closeout.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I never lived at an address of XXXX XXXX XXXX XXXX Oh but a midland credit states I did someone used my Information for this debt I filed a identity theft but it was still put in my credit and in collections this is hurting my kids and I it must be removed
Company Response:
State: OH
Zip: 45241
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have contacted the purported original creditor ( XXXX XXXX ) and the only only record of an account bearing my name, signature, and information is the one currently open and active on my credit report which is good standing and never had a late payment. Multiple requests for Midland funding to prove my responsibility of debt by producing signed contract for the account and they refuse to. The account is still on my credit report and they have never responded to my written requests for original documentation. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX mo XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This account is showing as open and they have increased the alleged debt rather than removing or producing evidence of my liability.
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Theres been a collection on my account that Ive been trying to dispute for fraud and somehow its still appearing on my credit. Im not aware of the account from midland funding.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 2. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX & XXXX XXXX Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, Midland Credit Management has violated rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Company Response:
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A