Date Received: 2021-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I contacted Midland an requested validation of a XXXX debt. Midland did not respond and disclose validation. Midland violated my rights.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I receive calls daily from from differing lines associated with Midland Credit Management about a debt I do not owe, and is associated with another person. After calling the company to confirm that the debt was owed by a different individual and being told I was removed from their list, they continue to harass me on a daily basis. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Some of the lines in question : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I am on the national do not call registry and will be taking action against Midland Credit if they continue.
Company Response:
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 I was contacted by my employer in regards to my earnings being garnished due to a collection of {$1300.00} owed to Midland. This claim was settlled years ago and cleared off my credit reports. I was not told about this until now since a XXXX contacted my employer. I spoke to all 3 credit bureaus and they have no debt in collection with Midland. I am being threatened to have my earnings garnished with no attempt to being reached personally. This claim has been settled years ago.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a letter from Midland Credit Management saying i owe an alleged debt of XXXX {$850.00} XXXX. I have not done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) .Midland Credit Management violated my federally protected rights governed under 15 usc 1692c, I have not given them written consent to communicate with any third party reporting agencies ( XXXX , XXXX and XXXX ). Midland Credit Management violated my federally protected rights governed under 15 USC 1692d. ( 2 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company Midland Credit Management has been Harassing me and are trying to destroy my character by reporting inaccurate information to major credit bureaus for a debt they didnt provide validation for. I sent by certified mail a request for validation, a cease and desist letter which they ignored which is a violation of 15usc 1692c and a {$3000.00} invoice for the violations the have committed. My certified mail was sent on XX/XX/21 and received on XX/XX/21.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Disputed to Midland Credit amount incorrect. I lost my job due to Covid-19, and credit card company didnt wan na help me
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The first time I learned about this debt was when I received word from my company payroll department that I had a lien filed against me in the amount of XXXX from a judgement filed in the State of California XXXX XXXX in XXXX through Midland Credit Management. The debt was from a card opened fraudulently in my name back in XXXX. It was charged off in XXXX. At that time, I filed a police report with the XXXX XXXX police department which is where I was living at the time. That information was provided to the credit reporting agencies and the credit card company XXXX XXXX where the issue started. I had no idea this was still active in any way, I received no information about this until the lien. I contacted Midland Credit Management and was told the dept was legitimate and if I wanted to dispute it I would have to send a notarized letter stating it was not my debt along with the police report and a new police report if I didn't have the previous one and that it would take a month to process. I contacted XXXX XXXX who informed me they no longer had any information to assist me, that information that old is not held onto. Midland Credit Management followed up with a letter threatening that if I disputed this claim, that dispute process would go on my credit reports causing a negative mark on it. The amount they claimed I owed also changed from XXXX to XXXX. They did not send any of the court paperwork, any letters ever stating I owed this debt, nothing other than the letter and a very small unclear print out of what appears to be a credit card statement from XXXX XXXX dated XX/XX/XXXX to XX/XX/XXXX. They refuse to address my requests for information. When this case was filed they ( based on what information I could find ) had my correct address on file yet sent information to an incorrect address where it was apparently signed for. I believe this to be a tactic used to bring to court to get the judgement. I have attempted to contact the court to understand what rights I have to fight this but due to covid restrictions and the court is over 120 miles away from my residence, I have had no success. Midland Credit Management intentionally withheld information, intentionally filed this case over 100 miles away from my residence, is falsely collecting a debt that was closed out in XXXX and gave no information during this injustice and continue to not provide any details to this. They used the courts in California to perpetrate this crime. I want my money back and want to file charges against this company.
Company Response:
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit has reported derogatory information on my credit reports, XXXX, XXXX + XXXX ... I have sent disputes to all bureaus and the creditor Midland Credit. They have failed to accurately validate any documents that I owe them any money for debts. I do not have an account with this company, Midland Credit. I do not have a contract with this creditor. The following account numbers are attached to this creditor : XXXX {$400.00} XXXX. {$500.00} XXXX {$2400.00} I do not have a contract with this creditor.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/2021 I received a call from a person ( family member ) I know telling me to call MCM Midland Credit Management. credit and she stated that I owe them {$890.00} on an XXXX credit card. she left 2 telephone number to call back. I contacted Midland a man answer and told me that he didn't call but the lady was not available/ her line was busy. She called back I told her she violated Federal laws, by calling a family memeber and dicussing possible information pertaining to me. She got angry and loud with me.
Company Response:
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A