Date Received: 2021-04-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX I was served a summons for payment on a debt. I signed and agreed. In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.
Company Response:
State: OK
Zip: 73135
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. IVE INCLUDED MY FTC REPORT AND POLICE REPORT.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Funding has duplicated the account on both my XXXX & XXXX Reports after I challenged them to verify and authenticate the account and refused to investigate my signing any documents or contract legally with my signature with Midland Funding. Midland Funding never investigated the account and refused to look at what they reported to XXXX & XXXX but instead retaliated by duplicating the account on my 2 reports which tanked my credit score. This tactic has hurt my scores. The account lists for {$630.00} for Midland Funding ( XXXX XXXX XXXX ).
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing this item with Midland funding for almost five months now. I have retained all my correspondence for evidence if I have to take this matter to court. All I want is the error corrected and deleted from my report. Midland Funding is claiming to be trying to collect a debt on behalf of a company that claims I dont even owe them which is XXXX XXXX XXXX. I requested written verification of the debt to prove that this charge is indeed valid and not fraudulent as is within my rights under the FCRA and the only responses I keep getting from the company are attempts to delay the deletion of the item. They have never produced anything more than a doctored bill with an address and balance on it that is in correct. I owe both companies nothing. They cant even prove the account is mine and I didnt ask for anything out of my rights under the FCRA. I plan on taking this company to court for damages and violations of fair credit reporting act. This is my final attempt at settling outside of court. On XX/XX/XXXX I received the letter I am attaching which is the third correspondence from this company and this is all it says verified which is not telling us a method of verification. No court will just take their word for it and its unfair that they are holding my credit report hostage. This company is harassing me via phone and mail and I am officially revoking their right to contact me unless it is to state the previously requested verification or to notify me that this item as been removed. Im sick of playing ring around the Rosie with them! This is against the law and I am filing a lawsuit IMMEDIATELY!
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
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: 02301
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management aka Encore Capital Group are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX. XXXX XXXX ( Division Manager ) has been sending me notices every 30 days despite not being able to prove that their account belongs to me. Midland Credit Management aka Encore Capital Group has received several notices from me and I need XXXX XXXX ( Division Manager ) to stop sending me letters. I will not respond to any more mail. I do not know how Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) received my personal information. Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) are debt collectors and are harassing me and I will not stand for it. I have not received any services from Midland Credit Management aka Encore Capital Group or XXXX XXXX ( Division Manager ) Recently I priority mailed Midland Credit Management aka Encore Capital Group letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I received a letter fro this company around XXXX XXXX. I send them a statement that the Debt wasnt mine back in XXXX XXXX. I was told to contact the original company by Midland. After been the run around. I had a statement add to my credit file. This has been on my credit report for over 7 years and still reporting negative on my credit. I need help with getting this removed. Its has passed all laws on the time it can still report.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I get multiple phone calls a day from different numbers that claim to be midland credit managment. I answer the calls no one says anything. Sometime I get a call at least once every hour of the day. Im still not sure what debt they are trying to collect on.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent CERTIFIED MAIL/RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX to Midland Credit management on XX/XX/2021. I asked to cease and desist all collection activity, including credit reporting. I have been contacted by XXXX XXXX Consumer Support Services several times after they received my cease and desist letter.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
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: 02780
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A