Date Received: 2021-06-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management began contacting me in XXXX of 2020. The agents constantly called me trying to get me to pay a debt to a company that I was never a consumer/creditor with. They violated my privacy, which made me feel like they were committing identity theft upon me. They sent papers to my house multiple times with their intimidating logos and their messages. They made me feel guilty for something I had never done regarding their company. They made me feel worthless and that my reputation was ruined. I believe they used false and misleading claims/communication along with unfair practices telling me that I owe something they have no proof that I owe. They stole my identity by locating my information, i.e. my name or social security number, and I never gave them consent to use it. I know this is a violation of my rights under 15 USC 1692 and 15 USC 1692c.
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I requested my recent credit reports from all 3 agencies ( XXXX, XXXX ) and I have a few accounts that I wanted to take care of. I contacted each one of the collection agencies listed on my credit reports ; Midland Funding, XXXX XXXX, XXXX. I made three payments to Midland Funding on XX/XX/XXXX, on a visa card ending in XXXX directly on their website after them refusing to work with me on payments or offering a payment plan that I could afford or remain committed to. I also informed them that some of the information was incorrect, dates, balances, and the fact the account was listed multiple times on my credit report with all three major credit bureaus. I moved onto the next collection agency XXXX XXXX-made a payment to them on a different card ending in XXXX, a Mastercard ; in no way are the cards connected in any way, two different banks, and two entirely different accounts, I have screenshots of the entire process, that shows the card last four numbers XXXX, the amount of the payment, the date, and a confirmation number for the card ending in XXXX. I have proof ( a screenshot ). I checked both payments online in my accounts and the payment made on the account ending in XXXX never reflected a payment being made to XXXX XXXX ever ; I called the bank and they stated there was never a pending charge on the card for any amount from the merchant XXXX XXXX at any time. I have all of the screenshots to show the card number used, the amount, and the website name as well. XXXX XXXX lied to me about the card information they were using, gave me false information online and on the phone ; they used the account information I gave to Midland Funding LLC ; Midland Funding shared my bank card information with XXXX XXXX without my permission and lied about it. Both companies denied it and called me a liar ; that what I was stating was not true and was false. I sent account statements, screenshots of payments, and the card numbers as well as the bank statement that showed a pending charge from XXXX XXXX on an account that I did not give them permission to nor did I provided the card information to. XXXX XXXX is denying that they did this when they have been sent the information that shows a pending charge. Midalnd Funding LLC gave my bank card information to XXXX XXXX on XX/XX/XXXX. XXXX XXXX stated to me over the phone after several hours and several phone calls that if there is a pending charge on a card that I did not give them information on nor did I give my permission for ; its not their fault that Midland Funding LLC shared my bank information with them without my permission. These two companies have lied to me and represented themselves dishineslty, They have both given me false information, been dishonest with me in their dealings, straight up lied to me about their actions. How am I supposed to trust these companies and pay my accounts off? XXXX XXXX tried to manipulate me into taking financial accountability for an account that was XXXX for the company XXXX XXXX? First of all, it's well over 7 years and it's not mine. They refused to give me an account number nor was it ever listed on any of the credit reports I have received. I also know that Midland Funding LLC which is not the only name this company is under with the XXXX or on this website ; this company has gone through several court proceedings and is currently paying fines as of XXXX. It does not appear as though the company has learned any lessons from its dishonest business practices as of XX/XX/XXXX. Thank you XXXX XXXX These are the two companies I am dealing with and have issues : MIDLAND FUNDING LLC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
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: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I reached out to the company Midland funding after they took my tax refund. I didnt know about a debt I owed then after looking into it found that its not mine, I disclosed this to them numerous times since 2015 and still they have now decided to put negative marks on my credit report along with taking money they are not owed. But now that the debt is paid they still wont remove this off my report and wont tell me who it came from or what its from
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am disputing an account that is 11 years old and was charged off by XXXX in XXXX I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX XXXX credit card with XXXX. Due to the Pandemic and loss of a job I wasn't making my full payment. They sold my account to Midland Credit Management. I started making payment to them on XX/XX/2021 and was making them every month ( made 2 payment in XXXX XXXX. Than I get a letter that states payment for the full amount or seek a lawsuit against me. I called and gentleman told me they have NEVER receive any payments from me and that I owe the full amount. I told him I'm have cancelled checks! I tried again to speak with someone to resolve this, but they stated THAT I'm lying that they've never received any payments. But, I could stop them from suing me if I paid the full amount! I'm on unemployment, there NO way I can come up with {$3300.00} dollars right now and I think they know it. So, if they sue me in court they will get a bigger judgment against me. Now they have in fact filed a lawsuit against me for the full amount with no payment taken out! I have the canceled checks front and back! They are NOT interested in taking payment they only want the FULL amount right now!
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX DIRECTED XXXX AND ALL BUREAUS TO REMOVE THIS ACCOUNT.NOW MIDLAND TRIES TO COLLECT FOR THIS ACCOUNT AND CHANGES ACCOUNT NUMBERS WITHOUT IDENTIFYING ORIGINAL CREDITOR XXXX XXXX.XXXX DOESN'T READ THE PROOF OF THE Above that is handed to them and verifies over and over and refuses to allow a dispute today aiding and abetting their subscriber midland. see evidence for account nos phone numbetrs and proof of the above.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Makes frequent repeated calls. Uses various numbers and spoofs numbers
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021 my credit file took a XXXX point hit for a collection on a debt by Midland Credit Management attempting to collect a debt for XXXX XXXX. I called the collection company and spoke to a manager who I assured this is a mistake. I also sent a Validation of Debt on this date. Every 7 days after the company reports to the credit bureaus which is damaging my credit trustworthiness. On XX/XX/2021 I took another XXXX point hit and I contacted the company again and they advised me that I needed to submit a police report for consideration of the debt to be removed. I told them the only police report related to my credit is a ex significant other using my XXXX XXXX credit car in XXXX. They told me they could not help. On XX/XX/2021 I took yet another derogatory mark from the debt collection company. I contacted them and advised them that they are almost of for the validation of debt which and gave them more information on the denial to obtain a report that didnt directly describe the account in question. I contacted the credit bureaus immediately after and found addresses, hard inquires and other suspicious activity and had them flag my credit activity as fraudulent activity. Midland Credit Management is now 6 days over the 30 days to provide me with a validation of debt and continues to falsely report to the credit bureaus.
Company Response:
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from 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 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A