Date Received: 2021-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX This call took place at around noon, XX/XX/XXXX I had noticed that there were some unusual activities on my credit report. I called Midland Funding to find out why I had 3 chargeoff that were not there before. After a few rings, I was greeted with hello my name is and I am debt collection agent. I had asked numerous times as to his full name without any luck. He kept interrupting me and saying I owed this much and I have to pay in full or payment. I was told to make payments of XXXX dollars a month until the debt was paid off. I ask if he could explain how it got on my name. he did not explain. All he said was its under my name. I either had pay or the collection will stay on for 7 years. He added that if I want the calls to me to stop I had to agree to pay. I said dont i have the right to ask about the collections and how it came about. He said, dont you know the law if you dont pay. You job and wages will be garnished. He ended the call by saying call us back when you have funds to pay. All 3 collection companies below to one entity. Midland Credit management Midland Funding Midland Funding
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
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 XXXX XXXX Midland Funding XXXX. 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: 02124
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call the day before Christmas XXXX. A very rude male, kept talking to me like he knew me. It was the holidays I played along. That's when I was told that I need to pay my bill. The person refused to identify, or transfer me to supervisor. Continued to talk down to me. I refused to verify any of my information. He said that was ok. He would make sure I knew who he was. Not long after I noticed repetitive derogatory flags on my credit reports. Some days apart, some the same day, never longer than a week apart since. Derogatory marks for late payments. Not long after I was served paper work, late at night by a female pounding on my front door. Pretending to need medical assistance. So I finally see who has been causing all of the XXXX. XXXX card services sold my debt. Which was XXXX $ to Midland credit who says I owe XXXX $ This card was payed on time for years. I was severely injured at work, workers compensation cut me off short after. I spent my savings trying to stay a on top. It came to credit card bills or food for my family. Food for my family was an easy choice. Now a year later I have numerous derogatory marks on my credit from midland credit. From the same debt. They never sent anything to the house to verify anything. I went to the pre trial day before yesterday. I pleaded that I have no job and only have XXXX $ a WK unemployment. I have no money to pay. I said I could try to establish XXXX $ to stop them from proceeding. He refused the offer 'stating it was insufficient ' and requested a trial. I apologized. Telling him that, the money I had was for rent. He kept telling me it wasn't enough. I couldn't have felt smaller, more belittled. I was given the contract information for an automated network. Told to call talk to somebody else. Now I have a trial, and wake up to more derogatory dings on my credit. For the same debt, the day after court. Just days after the previous one. There employees are intentionally causing unjustified harm to my credit and well being. Because I didn't simply comply with their request to pay XXXX $ I am Worried that they will not stop until someone intervenes. How can they continue to batter me? The debt hasn't been payed in years? How can the make current derogatory records repeatedly, stating im missing payments.. The company sold the debt. Midland credit had never formally identified themselves or my debt. In XXXX and a pandemic. This is XXXX.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company. !
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I currently have 2 accounts with MCM ( Midland Credit Management ). Both accounts should have been covered by the XXXX coverage. I have written several letters to them but I can only assume that MCM has not received them which is their typical response when they dont feel like entering information. I would have been more than happy to consider resolving this account if a certain employer hadnt fired me while I was on long term leave. I have had several accounts with this company, which most have been resolved. As a PREVIOUS debt collector, I cant say I understand, because nobody actually understands, but I can only sympathize with the other collectors while they have probably heard every story under the sun on why someone can not pay their debt. Im 100 % positive if the HR department of MCM looks back on some of their records they would realize why I am unable to pay this debt. One of these accounts has been in the system for a couple years and should have a cease on the account, which is the account I have written about not being able to pay due to lack of income ( I wonder why? Hmmm ) the second account is a new account, which while I understand this one isnt MCMs fault, this should have been resolved by the actual creditor per the agreement of the XXXX insurance which I had paid every month. I would also like to request that certain employees dont go behind my back and talk about me, because Im 100 % sure that will happen too once they see my name pop up on the complaints. Anyways, Im requesting that these accounts are removed. I wont say immediate because I know things dont move quickly around there.. but eventually, maybe 30-60 days is reasonable to me. While I understand that one of the accounts is marked as a cease, Im requesting that the accounts are marked as a do not call, for EVERY number listed on the account. You may contact me through the mail. Since Im unable to include the account numbers in this complaint here I have attached the documents so whoever handles the complaints can find me accounts in the easiest way possible.
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I ACH payment with XXXX XXXX on XXXX of XXXX of XXXX although the balance was XXXX as my credit line was XXXX we spoke on several different times concerning my account. As I had insurance to cover the credit card as the payments where being paid every month for six months. Next XXXX XXXX blocked my card. I never charged anything although the statement said a charge was made on my card electronic. When I asked about it XXXX XXXX just asked for money. Now Midland Credit Management as of XX/XX/XXXX is bringing my credit score down as if XXXX XXXX has my credit card open by {$1.00} decrease causing my credit score to drop by XXXX points. As of XXXX I then again went on Midland Credit Management and paid another XXXX online. As Midland Credit management continues to bill me by mail as if I didn't have a confirmation number with the payment online with my information. Next I noticed Midland Credit management has two different personalities one in XXXX XXXX, California and another in XXXX, Mi playing one location against the other over and over again on my XXXX when I disputed a few times before it was deleted and here Midland Credit management again. And the same things happened with the XXXX XXXX XXXX XXXX as over XXXX people are filing complaints similar to what happened with my credit card with XXXX XXXX XXXX secured credit card.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX, XXXX, and XXXX they have not sent me any documents bearing my signature as of today. The following companies are : Midland Fund - Opened XX/XX/XXXX, and XXXX XXXX - Opened XX/XX/XXXX. I would like your help with this matter.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX i met with a neighborhood dentist XXXX XXXX XXXX to get an estimate on doing some work on my teeth. the estimate was for quite a bit of money as it involved some implant work. XXXX XXXX 's office proceeded to assist me in applying for XXXX for which i was approved. I didnt want to make such a rash decision on such a big investment and wanted to search for additional estimates through different dentists. I never returned XXXX XXXX XXXX 's office until i received my first XXXX statement which indicated XXXX XXXX XXXX had been paid for work he had not done. I went around in circles with both the dentist 's office and XXXX and assumed it had been taken care of. Fast forward to XX/XX/XXXX, i received first a XXXX for XXXX and then a few days later a XXXX for that XXXX. There are numerous errors within this case that need to be further investigated and rectified. XXXX disbursed funds to the dentist whom had not even performed the procedure. The dentist accepted funds for work he never performed and the funds should have been returned to XXXX. I was never served with paper in XXXX and therefore had no knowledge of what was happening. There was no service of process. It is unfair and unjustifiable that i now have a judgment against me and am still missing teeth since i have yet to haev the work on my teeth done. Upon learning of the judgment, i reached out to all parties involved including XXXX, XXXX XXXX and Midland Credit Management. I havent heard back from the dentist and have been unable to resolve anything with XXXX. I have attached numerous x-rays of my mouth along with my dental exam reflecting all my missing teeth that have yet to be replaced.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A