Date Received: 2021-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Midland credit management has repeatedly reported the same debt three times in XXXX and i believe 4 times in XXXX for the one debt these repeats of reporting the same debt over and over are in violation of my rights.
Company Response:
State: AR
Zip: 71854
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a XXXX dated or filed XX/XX/21 by Midland Funding LLC. Midland is suing me for an alleged debt and they are in violation because a debt collector can't say I owe any debt pursuant to 15 USC 1692b. I do not have a jurisdiction and I am a federally protected consumer and I abode. The amount of judgement listed is {$1800.00}. Crooks! I've never done business with Midland and don't have any contract so why do you have access to any of my personal and private information. You shouldn't have anything on file with your company in regards to me. My privacy has been violated.
Company Response:
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: REFUSAL TO REMOVE INACCURATE FRADULENT ACCOUNT AS PER FCRA ON MY CREDIT REPORT. DEFAMATION OF REPUTATION VIA CREDIT. DESPITE NUMEROUS ATTEMPTS OF CONTACT, NO AVAIL. MIDLAND CREDIT MANAGEMENT HAS NOT RESPONDED TO DEBT VALIDATION REQUEST. THIS ACCOUNT WAS A RESULT OF IDENEITY THEFT AS I HAVE NO KNOWLEDGE OF ANY SUCH ACCOUNT AND IT IS BEING USED AGAINST ME. PREDATORY TACTICS, HARASSMENT.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXX sent me a credit card, which I never applied for, charging the XXXX 'XXXX RENEWAL FEE, ( {$57.00} ), BANK INVOLVED XXXX-My XXXX XXXX XXXX Mastercard I made a telephone call to XXXX XXXX, I was told that this matter would be resolved in three business days, I was provided with a ticket number XXXX, my membership was not renewed, ID cancelled, I had a guagantee on 4 tires installed 10 months before one got damaged, and they refused service because I did not pay the renewal fee. On XXXX I tried to find out what was going on and they told me that no information was available because the account was closed and sold to MIDLAND CREDIT MANAGEMENT, latter I have received a letter from this company I contacted them on the phone and latter by mail, first call on XX/XX/XXXX, last mailing was recived by XXXX XXXX on XX/XX/XXXX, I spoke to XXXX XXXX to dispute this debt, I got a reply stating that they have reached the conclusion that their records were correct. I am a XXXX years old man this is given me emotional duress, this is a matter of principle, you must investigate XXXX 'XXXX practices to collect renewal fees, also the 2 banks involved : XXXX XXXX XXXX and Midland Credit Management.
Company Response:
State: NJ
Zip: 07093
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: 2021-04-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management keeps calling my cell phone using an unknown number 3-5 times a day. I do not have any accounts associated with them and they keep asking for personal information from myself and for a family member which I will not give them. A XXXX man that can barely speak XXXX was very rude cause I would not confirm my name or my family members phone number or address.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I've been trying to resolve 2 Midland Funding accounts listed on my credit report and haven't been able to. I've attempted calling them for 3 weeks, several times a day and the department is not available.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I ' am writing this due to non - compliance with ( XXXX, XXXX, XXXX ). They have failed to remove information that was affiliated with personal debts that were challenged in the past. I strongly that they are in violation of FCRA and are outright refusing to uphold the law.
Company Response:
State: MI
Zip: 48203
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: my original debt to XXXX XXXX, {$650.00} ( principal was 287.20 and finance charges were 371.18 ) was charged off on XX/XX/2019 after my brother suddenly and tragically died and i was required to pay for his funeral/memorial services. midland credit management purchased this debt for under 40 dollars ( account number XXXX ). due to these extenuating circumstances, i worked with other credit agencies to negotiate other debts. XXXX XXXX and XXXX XXXX negotiated fair payments which i settled immediately ( 50 % of debt ). i called midland credit agency and requested proof of original debt. they told me they didnt have that information and refused to send it. i was transferred to a call center in XXXX and then back to a call center in Virginia. I spoke with XXXX, who said that MCM did not have proof of original debt and I would have to look at my original bills. i offered MCM a lump sum payment of XXXX dollars. they refused to accept this even though they would have made a substantial profit since they purchased my original debt for pennies on the dollar. they are greedy and should be investigated by federal legislation. i am prepared to pay XXXX immediately if they agree. I have lost substantial income due to testing XXXXXXXX and developing severe symptoms from XXXX XXXX for over two months. Since MCM purchased my original debt for under 40 dollars, i believe a good faith effort to negotiate a payment of XXXX dollars is reasonable and they will still make a profit. anything else is price gouging.
Company Response:
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I'm in a payment plan of {$50.00} a month on file # XXXX held by Midland Credit Management. On XX/XX/2021 I logged onto their online location and followed their login procedure ( requires you to enter file number which is listed above ) and the XXXX proof 4 step process not to be sarcastic just to point out that you can't make 2 payments at once you have to go through the login procedure and 4 step process each time. On XX/XX/2021 I noticed they withdrew 2 payments of {$50.00} each. I immediately reached out to them and they claim they have no record of that file number ( by the way I just made my monthly payment minutes ago to that very file number ). I have contacted them several times now and they just give me the run around, both payments appear on my bank account as going per ETC.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/2021 MCM bank contacted my husband and gave personal information such as account number, amount owed dated of specific transaction. Although I have taken care of the debt I believe this is not legal to do.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A