Date Received: 2021-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I reached out to XXXX XXXX concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and XXXX XXXX has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I looked into my credit report and found 3 account listed under a collection with Midland I sent a validation or verification letter that I found within the CFPB website to get more information on XX/XX/XXXX in which Midland sent me a simple response and not even reporting the information that they provided to me to the credit bureaus. On XX/XX/XXXX I sent another letter asking for more information as this is still unclear to me what this is and how they are still reporting it. MIDLAND CRED ending XXXX Balance {$2700.00} Letter received showing Original balance is XXXX but is showing up as XXXX on my credit report with a payment of {$50.00} on XX/XX/XXXX. Which is not being reported and do not recall making any payment. They have not provided a Bill, My personal information or my social security number. Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me On top of that on my credit karma it shows they are increasing the balance by {$1.00} in the beginning of each month then decreasing it by the middle of the month. So the account is being refreshed and shows a new collection every month. This is completely illegal and violates all the rules for a collection agency and reporting for a collection account. They have not provided any information that is accurate on my report or to me. Nothing that proves this is mines and using deceptive methods to continue reaging these collections and want this immediately removed
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
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 have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both XXXX XXXX and MIDLAND CREDIT MANAGEMENT. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. XXXX XXXX is reporting a debt of {$880.00} and MIDLAND CREDIT MANAGEMENT is reporting a debt for {$730.00}.
Company Response:
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: CONTACTED COMPANY REGARDING OUTSTANDING ACCOUNT ON CONSUMER REPORT, SPOKE WITH AGENT REGARDING SETTLEMENT OF ACCOUNT, WAS ADVISED IN THE BEGINNING OF THE CONVERSATION THAT THE PHONE CALL WAS BEING RECORDED AND THAT THE ACCOUNT WAS OUT OF STATUTE AND THAT THEY WERE NOT LEGALLY ALLOWED TO SUE REGARDING THE DEBT SINCE IT IS OUT OF STATUTE. AS THE PHONE CALL PROCEEDED THE COLLECTOR WOULD NOT ALLOW ME TO SPEAK WAS CUTTING ME OFF AND WOULD NOT ALLOW ANY NEGOTATIONS AND WAS USING SCARE TACTICS MAKING STATEMENTS ABOUT HOW IF I DIDNT PAY THAT MY CREDIT WOULD CONTINUE TO BE EFFECTED AND THAT THE ONLY WAY FOR THEM TO REMOVE WAS TO PAY THE FULL AMOUNT THEY WERE REQUESTING ON AN OUT OF STATUTE DEBT. THEN THE COLLECTOR PROCEEDED TO TELL ME THAT I WAS LEGALLY REQUIRED TO PAY THE DEBT IN FULL AFTER I HAD OFFERED A REDUCED SETTLEMENT OFFER TO RESOLVE THE OUT OF STATUTE DEBT. I ASKED TO SPEAK TO A SUPERVISOR SINCE THE COLLECTOR STATING THAT I WAS LEGALLY OBLIGATED TO PAY WAS A VIOLATION OF THE FDCPA SINCE THE ACCOUNT WAS OUT OF STATUTE. WAS THEN TOLD THAT THEY DID NOT CARE AND THAT IF I DIDNT PAY IN FULL WHAT THEY WANTED THAT MY CREDIT WOULD BE AFFECTED AND THERE WAS NOTHING THAT THEY WERE GOING TO DO.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was reviewing my XXXX credit report. I have a credit card debt and midland funding/midland management credit bought the debt. This debt is more than seven years old. I spoke to someone two weeks ago and was told I owe {$2200.00}. But on my credit report it states I owe {$1700.00} when I disputed the debt with XXXX the debt was raised to {$1800.00} on my credit report within two weeks. I requested an itemized bill for the debt. I spoke to XXXX XXXX he refused to send me an itemized bill. I requested this two weeks ago and was told they will send one out. I believe they are fraudulent because they have an XXXX accent but giving me American names? XXXX XXXX also stated the debt was opened sometime XX/XX/XXXX. This debt is over 7 years older which should be removed from my credit report but XXXX XXXX told it will stay on my credit report and interest will continue to accumulate? XXXX XXXX lied and told me a judgement was filed against me in XXXX but I never received any paperwork or there is nothing on my credit report indicating a judgement. I called XXXX courts they stated there is no or never was judgement against me in XX/XX/XXXX. So XXXX XXXX proceeded to tell me the judge charging for paperwork which is an additional {$500.00}. I requested all information XXXX XXXX refused to mail anything out because I refuse to agree to the balance. By law after 7 years this should have been removed along with the derogatory remark.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Midland finicial funding keeping reporting on my credit the wrong info thos case was closed and needs to be river from my credit report
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management keeps calling my work number and hanging up on me. Called them and stated to them not to call my work number. They are continuing to do.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a new legal documentation from Midland Credit Management LLC few days ago by mail, not in my home, the letter was delivered to my parents house mailing. They sue me trying to collect an old account ( more than 7 years ago ) for the amount of {$1500.00}. On XXXX XXXX I received a notification from the court indicating that the the case was closed on XX/XX/2019, this action was after I complete on CFPB a complaint.
Company Response:
State: PR
Zip: 00729
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Funding/Credit is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Midland can not provide any proof that I entered any legal contract with them to even attempt to collect a debt owed. I've received letters from Midland Funding that are in direct violation of the FDCPA 15 USC 1692b ( 2 ), 15 USC 1692f ( 8 ), and 15 USC 1692b ( 5 ). I have sent Midland a notarized Affidavit showing where they have breached my rights according to the FDCPA by providing incorrect information on my consumer reports.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I explained to Midland Credit Management, on a recorded line, that I was part of the Class Action Lawsuit against XXXX XXXX ( XXXX vs XXXX XXXX Class Action Lawsuit ) where as XXXX XXXXXXXX was to have all debts removed from all three credit bureaus, XXXX, XXXX, and XXXX. They were not to sell our information to third parties anymore. This debt that Midland have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and XXXX XXXX if they don't remove this from all three credit bureaus agencies.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A