Date Received: 2021-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLANDCRE is claiming that I owe them {$2300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management has taken legal action to garnishment my wages after I contacted them to make a payment arrangement. Due to XXXX exposure I was unable to make a court on XX/XX/2021. I believe the amount is XXXX. I do not have funds at this time to have payments deducted but willing to make payment arrangement. I've been contacting them to stop this action. No result
Company Response:
State: IN
Zip: 46312
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management has taken legal action to garnishment my wages after I contacted them to make a payment arrangement. Due to Covid exposure I was unable to make a court on XX/XX/2021. I believe the amount is XXXX. I do not have funds at this time to have payments deducted but willing to make payment arrangement. I've been contacting them to stop this action. No result
Company Response:
State: IN
Zip: 46312
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving 2 calls a day frequently from numbers associated with Midland Credit Management. I went to their website and tried to look up an account with the information the website asked for ( last name, birthday, and last 4 of my social ) but nothing came up. I called today ( XX/XX/XXXX ) to find out what I had in collections with them, but the woman that I spoke to ( didnt get any names of any employees ) wasnt able to find an account in my name either. She gave me the number XXXX to call and check with them, too. I called the number and the man who answered asked for my social, so I gave him the last 4 just like I did when speaking to the woman from before. He said No, I need your full social security number. I responded is there another way you can look it up, cause I dont feel comfortable giving you my full social and he seemed to get an attitude after that, but verified that I didnt have an account with them. I then called their complaint line and explained to the man who answered that I wanted to file a complaint because I had been getting calls about an account that they didnt even have with me, so the man tried to look up my account and told me I didnt have one so there was no reason to file a complaint. I responded that regardless, I wanted to speak to a manager or supervisor because they have been harassing me over debts that I dont have. He said he would transfer me to a manager but I was just left on hold until I hung up 10 minutes later.
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On a recorded conversation, both on there end and mine, Midland Funding agreed if I paid this debt they would remove from my credit report. This card was obtained fraudulently but I went ahead and paid the account as I am trying to clean up my credit report and was assured they would agree to remove this account. Like I said was a recorded conversation.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: midland credit management owns XXXX XXXX debt {$860.00}. also they own XXXX XXXX debt {$360.00} also i cant afford to pay these debt at all i dont want to be sued
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear CFPB, My name is XXXX XXXX XXXX XXXX ; my SSN is XXXX. Im writing in to complain about XXXX XXXX is reporting a collection account that is not mine. I deny the existence and validity of the below item and consequent thereto I demand they be verified by with established law or removed immediately. Please note that the Credit Reporting Agencies are now subject to Federal Consumer Financial Laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on '' Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. As you know, the Fair Credit Reporting Act required you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the item 's I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies and/or copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file for the account in dispute then. you must once remove the account from my Experian credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Purported Creditor : XXXX Accounts in Dispute : Midland Credit Management XXXX Encore Capital Group Account # XXXX Account type : Collections Account Status : Unverified When you finish your investigation I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. I expect your office to comply with the prescribed method of procedure as mandated by 15 USC section 1681 or FCRA section 611 et seq. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Filed Dispute in XX/XX/2021 for account with Midland Credit XXXX. Never heard back from them until XXXX XXXX with a debt verification letter. Multiple calls since XXXX XXXX in an attempt to settle account and have it removed from my credit report. Midland refused to settle. I have called multiple times on XXXX XXXX to settle debt and speak with a division manager in which I was given false names and transferred many times to departments in which Customer Support XXXX XXXX XXXX XXXX were unable to find my account based off both accounts numbers given to me in the debt verification letter. MCM # XXXX and the XXXX XXXX # XXXX. Furthermore, upon settling debt Midland refuses to remove collect from my report until XXXX XXXX in which they state their policy is to not remove collections before it has been in the report for two years. There are many long pauses and everyone is giving varying/faulty information. After each phone call Midland adds additional negative comments to my reports after each phone call. Also after speaking with them MANY times since XX/XX/2021, it was only today XXXX XXXX that they state possible legal action on my account. I never received a call or letter in the mail in regards to legal action. Further more they claim to have sent this legal letter in XX/XX/2021 but to my previous XXXX address. This seems weird to me as they sent the debt verification to my correct XXXX address.
Company Response:
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Been harrasing me for the past years about suing me for a debt collection, I disputed the debt and was erased and they keep harrasing. I need proof of the original agreement, including the terms and conditions under which the original lender agreed to extend credit ; copies of statements showing how the borrower incurred the debt, including the dates of transactions ; etc ...
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have advised these individuals of the severe difficulties I have faced this year in burying my XXXX and my XXXX. I have spoken to this company on multiple occasions and offered resolution options that I have available to me. This company continues to deny my offers of resolution and continue threatening the negative impact to my credit as well as holding that in their negotiation tactics. If this organization is not willing to accept the resolution option that has been presented than it makes no sense that they continue contacting me via US mail or by telephone. I refuse to continually feel hopeless with regards to this account because the Dollar amount that I have offered, which is a fair offer, continues to be balked at by these collectors. I have XXXX XXXX XXXX XXXX and can only pay {$120.00} as full resolution to resolve and remove this negative situation from my life
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A