Date Received: 2021-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Funding has a lien on my house in the State of Georgia Was filed with Attorney 's in The State of Georgia. Dates- XX/XX/XXXX, XX/XX/XXXX, Then after I contacted them about XX/XX/XXXX explaining I got a divorce, and the debt is in my X-husbands name, and wanted to clear it up. They re-filed early in XX/XX/XXXX. I called again about XX/XX/XXXX By then it transferred to a Company XXXX XXXX Midland Credit, Which in turn Transferred to a company in WA. State- Called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX? XXXX. Which never notified X-husband. I had to contact them. Both companies have the same Ref # on the account. # XXXX And Apparently no legal paperwork. Called and did everything they wanted to be able to speak with me. Showed proof the property was in my name only ect. X-husband sent letter so I could pay the debt, negotiate, Correspond, and for them to notify me, call me.They assured me, I would get proof that the lien would be taken care of upon payment Then when ready to get a loan to pay this, he told me I could not send it Registered or Insured to a PO Box . Called and another worker said it was fine. # 1 What was the reason for the Release of Information to me, if I can't get any proof the lien will be satisfied upon payment, before I make the payment. See # 2 is why. # 2 After I sent the Cashiers check Insured I was informed they can not take the lien off the house because they are in the State of WA.and again, they will only send proof to X-husband and not me, ( who does not own the property ) and asked about satisfying the lien, the worker told me it will be sent to the state of Alaska. Apparently, they do not have copies of the court documents or records that it's in Georgia.. whatsoeverl The answer I got was X husband will be notified the debt was paid and they will notify Midland funding . Not to the point about the end result. Just script not knowing the legal background of the case. There is a 3 hr time difference and they call after XXXX BTW They talk in circles, And do not answer questions directly. # 3 Why was it transferred so many times, and how do I know these companies are actually Legit? I'm supposed to trust these people, and collecting these monies, by a judgement filed by real attorney 's XXXX XXXX XXXX have nothing to do with the legal paperwork, their name is not on it.. Can't be.?? Was told they are not used to the legal side just debt collectors!!!! This is a legal matter Is this the reason Encore and Midland was sued in XXXX of XXXX? Just months before they started moving this. Was there a clerical error why it was moved from Georgia, a mistake what motives to move the account so many times? The original lawyers were XXXX XXXX XXXX. They told me they don't have any documents including the case number Does anyone have a copy of the Court Records???? Most likely not. With the given facts and so many scams going on and the complaints here on this website, why in the world would I do such a thing? After the phone call telling me or not telling me about any satisfaction I cancelled the Check, until I get some kind of reassurance or at least deal with the original and real attorney 's, in the state it originated. This has cost me at least 2 months of stress and sleepless nights, which is not good for my health and it really is a hardship paying this in the first place will leave me {$500.00} a month to pay bills, for the next 30 months.
Company Response:
State: GA
Zip: 315XX
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: Frequent or repeated calls
Consumer Complaint: The original creditor close the account/charge to account off. The account was close back in XX/XX/19 XXXX. I wanted to know how Midland credit management was able to acquire my account since it was closed. I know this that if an account goes into default, the original creditor has to right to write that particular loan off in full as a credit loss on their taxes. I wanted to know is the original creditor forfeiture their right to write this loan off on their taxes. I feel that this is wrong, Midland credit management has no skin in the game but seems to me is looking for a way to receive free money.
Company Response:
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2021-04-23
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: Account status incorrect
Consumer Complaint: Midland Credit Management is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with them because they keep calling to try and collect on an account that I have already paid! When I received my 30 day right to dispute I immediately called and settled the debt to avoid it from reporting on my credit file. This was a joint account between my wife and I and my wife ended up paying this account but when I looked at my credit this debt was reporting?! This account is paid! Not only that it was paid before it reported on my file so this must be removed immediately. I am also aware that while this account is under investigation you may not report any negative information on my credit file. If you continue to report invalidated information under review this can constitute fraud under both federal and state laws.
Company Response:
State: UT
Zip: 84067
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I owe money on a XXXX XXXX revolving account ( XXXX XXXX Card ). Covid hit and I had trouble paying it off. That being said the debt was sold to Midland Credit Management. Midland started to call me every day harassing me. From there I decided to set up a payment arrangement to pay off the debt over time at affordable payments. Unfortunately midland tried to scam me out of extra money. What I was told is all payments would be used to pay down the amount owed. But upon reviewing the agreement they sent me, upon laying the initial payment my balance would remain the same. Therefore they tried to get me to agree to something that we did not speak about, and tried to get additional payment from me. I cancelled the agreement after I had reviewed it. From there they threatened to sue me via a third party legal team. Now midland and XXXX XXXX XXXX XXXX third party legal team ) call me daily in regards to said debt. They are now calling family members of mine attempting to collect a list of assets and gather further information from them to use against me. The sad part is I tried to set up the payment arrangement to settle this matter but they tried to scam me for additional money.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
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 approximately Saturday, XX/XX/XXXX I was served with a summons stating I was being sued my Midland Credit Management for {$1800.00}. I have never received notifications from this company in reference to this debt. I received a phone call from a debt collector but they never stated their name therefore I did not speak to them. The summons stated to provide a written response within 14 days of this date and I sent a certified letter on XXXX XXXX denying the debt I was being sued for and requested the contract that I should have signed if it was my debt. Neither the court or Midland Credit responded that they in fact received my letter. On Saturday, XXXX XX/XX/XXXX, I received a default judgment against me stating I owed this debt. I was never sent a trial date, therefore Midland Credit won the suit by default. I have checked all 3 credit reports and nothing of this value is being reported as a collection item or charge off. I did notice that Midland credit did in fact run my credit against my knowledge four times in XXXX. This is not my debt and now due to a default judgement against me I am having to pay Midland Credit Management for the amount of {$1800.00} plus 5 % if not paid in full. If I appeal the decision the amount is estimated to be roughly {$3900.00}.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Experian account was showing that I had a delinquent account for a XXXX line of credit. I have never had a XXXX line of credit so I sent an email to XXXX to dispute this account on XX/XX/2020. After much work and follow through that delinquent XXXX account was marked by XXXX as fraud. While this was going on Midland Credit Management was attempting to collect on the fraudulent account. A telephone conversation was had with a Midland Credit Management employee conveying to them that the XXXX account was a fraud. They closed out the collection account. Sometime later an employee at Midland Credit Management re-opened the fraudulent account and began the collections process again. After receiving collection notices from the company in the mail I called at spoke to XXXX XXXX. It was determined yet again that this XXXX line of credit was fraudulent. Checking my credit report today I see that my credit report shows my account is in collection status due to this fraudulent account. Midland Credit Management attempted to collect {$850.00} from me derived from a bogus account. The account was declared fraudulent and Midland Credit Management, after closing their account on the matter, re-opened the account and again began attempting to collect {$850.00} from me. In doing so they have damaged my credit. The fraudulent account is identified as Account name : XXXX/XXXX account # XXXX ... The account with Midland Credit Management is identified as Original Creditor : XXXX XXXX Current Owner : Midland Credit Mangement, Inc Original Account Number : XXXX MCM Account Number : XXXX Current Balance : & XXXX
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2021-04-24
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 was result of identity theft
Consumer Complaint: I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX XXXX report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. I am receiving calls from Midland credit company for a debt that was not mine from XXXX XXXX ( identity theft account ).
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Today I received a letter notification from Midland Credit Management. They sent me a letter threatening to sue me if I did not pay a debt for {$1100.00}. The initial debt was owed to XXXX XXXX XXXX for a credit card. However, the original amount has already been reduced with XXXX XXXX. Therefore, this letter is completely uncalled for and under the nature of the debt, blatant harassment by trying to intimate me during a time when the pandemic has put everyone in a difficult financial predicament.
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: These law firm send me a superior court of nj XXXX county special civil letter in the mail.. saying that I owe XXXX XXXX XXXX XXXX {$5000.00} dollars..and that's not true. They said they were going to garnish my check. This is not right.i call them and I spoke to a woman name XXXX. And she said if it wasn't you go get a police report.and that's what I did..I call XXXX XXXX XXXX XXXX they are sending me a fraud in the mail .. and public service told me I don't own no XXXX like I said I don't own no XXXX -XXXX to XXXX XXXX XXXX XXXX ...
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management contacting me about a debt that i allegedly owe to XXXX XXXX XXXX I have asked them to verify this debt as per FDCPA they have not done that. I have no contactual agreement with them, I do not owe any money to them. They are in violation of FDCPA yet they are sending me threatening letter to sue. I am very distressed I would like for them to show me how I owe them this amount in detail or Cease an Desist all communication and effort to collect this alleged debt. I have done some research on this particular collection agency they are clogging Georgia court system with hundreds of law suits, in many instinct in violation of collection law. it is about time some one pays attention to their collection practice and give relief to consumer who are already in trouble during this unprecedented time
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A