Date Received: 2021-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I sent Midland Credit Management a letter to validate the debt. I did not recieve anything from the company concerning the debt. On XXXX XXXX the amount was {$1300.00}. I waited the full thirty days and no response. On XX/XX/2021 I sent another letter to the company. I did not recieve a response again. On XX/XX/2021 I recieve an alert on my XXXX account that there was a change to one of the accounts. I checked it and it was Midland Credit Management changing the balance from {$1300.00} to {$1300.00}. So the balance increased by a dollar. Then on XX/XX/2021 I checked my XXXX XXXX account and the same listed account had been closed by Midland Credit Management. I just want to know what is going on or what happened. I never recieved any correspondence from the company. The debt should be removed from my credit report as to the company never sent anything to validate the debt. There also was another account in collections with Midland Credit Management. So On XX/XX/2021 I sent a letter concerning that account to validate the debt. On XX/XX/2021 Midland Credit MAnagement mailed me a bill for the balance of {$1000.00} with no explaination of how the debt was calculated. So XX/XX/2021 I wrote another letter to the company to validate the debt. I recieved no response. Then on XX/XX/2021 the balance increased by one dollar so the balace went from {$1000.00} to {$1000.00} and the comments on the account reflects the account is still in dispute. According to the law if an account is in dispute the company is suppose to stop reporting until the outcome of the dispute. But in both cases the balances changed and no response.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I feel like I'm being targeted last year I paid off credit one credit card credit limit of XXXX but my debt was like XXXX account was closed a year before year shutdown after anyways I paid the bill off last year account was close an on XXXX XXXX finally showed it paid an close now this month same bill pops up I've been getting calls from midland credit management XXXX XXXX is reporting unpaid bill what's disturbing is that the address they had for me is over 10 years old i dint even have a bank account back then now I don't know what to do all I know is I feel like I'm being scammed because the address I live at now is when I got my credit card the address they have under the bill supposedly I owe is over 10 o 11 year old????
Company Response:
State: WA
Zip: 98404
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Called company XXXX XXXX XXXX XXXX on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after Midland Credit Management already agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after XXXX XXXX of being on hold. Company supervision needs to reach out to me as they have promised.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, California XXXX XXXX : Account XXXX Dear Midland Credit Management, I am writing you about two violations with this account that I would like for it to be immediately removed from the credit bureaus. 1 ) Statue of limitations this account is over 7 years old 2 ) No written notice prior to you all damaging my credit was sent out to me I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in ( Maryland ) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. This letter is your formal notification that I have filed a complaint with Consumer Finance Protection Bureau. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am looking to purchase a new home so my credit was pulled on XX/XX/2021. Prior to this I never received any written notice from the collection agency. They popped up on my credit report on XX/XX/2021. The credit line amount is {$1500.00} and the amount they stating now is {$2100.00}. The debt is over 7 years old. I am looking forward to the agency to remove this from all credit bureaus asap. I reached out to make a settlement with the agency, because this is preventing from purchasing a home, but they was not welling to work with me. thanks
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that 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. Midland Credit Management has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope. The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications. 4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information. 5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money. 6. May not contact you if you have informed the collecting agent that the debt is not yours. 7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure. 8. May not make false statements in an attempt to collect a debt.
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit Management is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for XXXX? I have never had an account with XXXX for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period Midland Credit remove all negative reporting from my credit file and such deletion letter will be provided to me. Reporting unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that Midland Credit remove this account immediately.
Company Response:
State: UT
Zip: 84088
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: A very rude man from a company called Midland called me at work ( after he was told not to ) and wouldnt let me speak. I had to hang up on him.
Company Response:
State: IL
Zip: 61081
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called the number on the law suit filed against me my Midland Credit Management to contact the atty listed on the paperwork. I was told I can't talk to the attorney at this number. I asked about details and options about this and was repeatedly asked questions refusing to answer any question. The paper work in the suit is not in line with details and amounts in the suit and looks like other debts are trying to be included in the suit as additional details going beyond the scope of the suit. This looks like the behavior from the https : //oag.dc.gov/sites/default/files/2018-12/Multistate-Midland-AVC.pdf has been extended to other states and has worsened.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection on my credit that was taken care of years ago by the original creditor. The original creditor has deleted the account and sent a letter that after they investigated it they deemed it fraud. Now, years later as I am set to close on a house next week, I get hit with a collection agency for that same account. They said it will take 90 days to investigate and refuse to provide a letter to help me close on my house. This account IS NOT MINE!! I have attached the letter from the original creditor.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A