Date Received: 2021-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am being sued by Midland Funding LLC, in the State of California. Their lawsuit against me violates their recent court order for Case # XXXX between the Bureau of Consumer Financial Protection v Encore Capital Group , Inc. ; Midland Funding LLC ; Midland Credit Management Inc.
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A collection company must have bought an old debt with my information but the debt wasn't mine I had to get an attorney because XXXX even though I disputed it over and over. I've sent all the legal documents to XXXX and they are still not removing a collection that has damaged my credit for over a year now some of the other bureaus have finally removed it because of the legal docs that I've provided but XXXX is still not please remove Midland credit management it is not a collection I owe and you need to remove now.
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/2021 at approximately XXXX XXXX I attempted to settle a debt of {$610.00}. Please note that I do not acknowledge any liability for this debt in any form and I retain my right to request full and complete debt validation from your company. I spoke with a representative by the name/alias of XXXX XXXX. I was informed that I would not be able to settle the debt of {$610.00}. I immediately asked for a supervisor and I was informed that there were no supervisors at that current time to help me and that the debt would not be able to be settled. As of XXXX and XX/XX/2021, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed. I have redacted personal information. This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately. According to the form that you filled out, you have authorized MCM to send you emails. Thank you, Midland Credit Management This communication is from a debt collector. This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter. I feel that I am upholding every part of the agreement, but they are not.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I had a XXXX credit card back in XXXX with balance of {$10000.00}. At that time I was going through financial difficulties loosing my properties, and employment. I was making minimum payments and called XXXX to negotiate to reduce my minimum payments until I could get back on my feet and able to pay more. Instead of that XXXX closed my card and increased my minimum payment and the burden was too great. I stop paying the card. Last payment I made on XX/XX/XXXX, and the credit report says debt " charged off ''. A few months later I got notice from Midland Funding LLC that I owed them about {$12000.00}. According to credit report It was placed for collection on XX/XX/XXXX and was removed in XXXX. I did not received from court or Midland Funding any court proceeding after lawsuit was filed in XXXX. Didn't receive notice of hearing or copy of judgment or any copy of default judgment from court or Midland at all. Also I never received notice of motion to renew judgment or copy of renewed judgment from court or Midland Funding. I live at same address and would not miss any court notice and hearing. I did check credit report every year and it was no public record or any judgment. XX/XX/XXXX I received notice of wage garnishment from XXXX, XXXX for {$22000.00} that took effect on XX/XX/XXXX 25 % of my wages and it is causing great hardship on my family and finances. I believe it is time-barred debt XXXX more than 10 years ) that I was sued for without my knowledge. I received no copies from court or Midland of said judgment.
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I dont have any affiliation or never done any business with the company. It is fraud completely & needs to be removed. Thanks so much.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XX/XX/XXXX after numerous calls, I agreed to make monthly payments to midland credit management even though I told them I couldn't afford it, but I was afraid they would have tried to sue me for my stimulus check that was on its way during that time, and it also didn't help that their letter was threatening legal action against me if I didn't respond. So, I agreed to XXXX dollars a month for each account the XXXX and XXXX midland bought this account from XXXX XXXX as collateral. I tried paying those payments but I couldn't, so I stopped. As a result of not being able to pay ; midland is now XXXX the credit report system by reporting each account twice a month. The first report was on XX/XX/XXXX, and the second was on XX/XX/XXXX, XXXX midland tactics are abusive. my credit score went down 4 points as a result of their XXXX I currently owe the dept of education XXXX how in the world would midland think I could afford to pay them. please help.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reviewed a copy of my credit report and I show company MIDLANDMCM, account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Company Response:
State: NC
Zip: 271XX
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A