Date Received: 2021-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on XXXXxXXXX lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The XXXX sq. ft. XXXX XXXX SUBDIVISION, TWO story building on sets on XXXX X XXXX LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4XXXX home XXXX bed, XXXX bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and XXXX data on XXXX. Location : XXXX XXXX, FL XXXX. Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot XXXX x XXXX ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property. Falsifying Applications and Invoices. Lot XXXX Construction Fraud, XXXX XXXX of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U https : XXXX ...
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received notice of a lawsuit filed by Asset Acceptance for a XXXX XXXX old and paid in full account. I did not have the money to get an attorney so I did everything I could to respond to the court in AZ. The court then reported that they had vacated the case. They stated that neither party showed at the preliminary hearing. We did. I followed up with Midland Credit Management because Asset had turned it over to them. I disputed the debt and I was told that they would take no further action. After a period of time, I got a Motion for Summary Judgement. I again, could not afford an attorney and wrote my Opposition and Motion Against Summary Judgement. When I went to start my car to drive to the Court House and file it my battery was dead. I called to the court clerk who told me that I could file it late but that the Judge would file the Judgement against me. Asset Acceptance, Midland Credit Management, Encore, and any other names they use had a degree against them by you the CFPB. Almost everything that they were penalized for is things that I found out during my review and arguments against the Judgement. Yet it was filled anyways and they also garnished my checking account in XXXX I believe for {$300.00} because that is all that they were allowed. I recently received a letter from them threatening to report to The Judgement unless I paid them. I called 4 or 5 different numbers only to be told that they were not the correct party and that they had no information. I have heard nothing further from them. I am attaching my OMSJ for your review. I feel that the affidavit was Robo signed, they did not have standing, they lied when they told me they would take no further action. Many things. I want this thrown out of court. I did not have the money to appeal it and I still don't. This Debt buyer has done this to a lot of people and it is wrong.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was made aware that there was a credit card dispute place with Midland Credit Management on XX/XX/21, I have been trying to dispute this account with the agency since. I requested written proof ( validation ) of the debt, which to date has yet to be presented to me. In accordance, I do not owe said debt unless proof can be furnished to me. A simple invoice or past due notice is not proof. I have received nothing but a letter stating the investigation to the dispute has been finished, with no proof provided to me. I contacted the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I have requested validation this debt 4 times since the first contact received by this company on XX/XX/2021 and still have not received the requested information. Collections agencies are required to send me proof of validation within 5 days of our first contact. It is been almost 6 months and all I have received are letters stating that the record shows the debt is valid and still no validation. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this claim is disputed in its entirety and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that ( a ) the account is valid, ( b ) the amount allegedly owed is accurate, and ( c ) I have a contractual obligation to pay Midland Credit Management for this alleged debt. All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Midland Credit Management for this alleged debt : Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract Midland Credit Management purchased the alleged debt. If the alleged debt was purchased, provide a copy of an agreement between Midland Credit Management and myself, signed by me, stating that I have a contractual responsibility to MIdland Credit Management for the alleged debt Provide proof that Midland Credit Management is bonded/Licensed for debt collecting in the State of New Jersey Failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Midland Credit Management is asserting regarding this alleged debt. If Midland Credit Management can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Midland Credit Management. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine to be paid to me. I do not and have never had a XXXX credit card. This debt is not valid, I do not owe anything.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Company Response:
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2021, i sent midland funding, llc a letter requesting the validity of the alleged debt of {$400.00} that i don't owe.they are damaging my report with this inaccurate item and harassing phone calls. i haven't heard from them as of yet and i will attached a copy of the letter for the record.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX amount : {$1500.00} date : XX/XX/XXXX 2.XXXX Amount : {$600.00} date :XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date : XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX amount :XX/XX/XXXX& {$100.00} date :XX/XX/XXXX & XX/XX/XXXX6.Midland credit every account
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: On XXXX XXXX, I received a lawsuit to collect a debt for the amount of XXXX for a membership for a vacation club, that it sold the debt and the person who sold the debt sued me, the membership was canceled but I do not understand why they want to pay for something that has already been canceled
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed my delinquent account with MCM ( Midland Credit Management XXXX collection agency. Midland Credit Management keeps reporting my account as delinquent every 7 days on all 3 credit bureaus. I have disputed this repeatedly and they are still reporting the account as delinquent every 7 days. I do understand that my account is delinquent and the account will be satisfied. Midland Credit Management is violating my rights under the FCRA by reporting the account delinquent every 7 days instead of every 30 days as a collection account. Midland Credit Reporting Dates to all 3 bureaus : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A