Date Received: 2021-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received numerous phone calls ( 15 USC 1692 c & d ) from Midland Funding regarding assumed debt on a positive balance ( 15 USC 1692 b 2 ). I submitted a final debt validation letter before contacting CFPB requesting a wide range of information as a consumer and only received the information they wanted to provide ( 15 USC 1692 g ). They have violated my reputation ( 15 USC 1681 ) as a consumer and I am demanding they zero out the balance on this account and deletions from all consumer reports. Served XX/XX/XXXX - XXXX XXXX {$3500.00} Multiple verification letter sent, final debt validation letter sent XX/XX/XXXX
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX I called Midland Credit Management in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. When I called Midland Credit Management they referred me to XXXX XXXX XXXX, as they had purchased the debt. I then called XXXX XXXX XXXX and agreed to pay the debt of {$640.00}. During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. They notified me I will have paperwork mailed to me in order to sign so the payments can be made. On XX/XX/XXXX, I was notified that I had a Court Constable trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX XXXX XXXXXXXX, regarding the Midland Credit Management debt I agreed to pay the day before. I then proceeded to call XXXX XXXX XXXXXXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. While speaking with XXXXXXXX XXXX XXXX I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. I was then told that they were not obligated to tell me. I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. Being that this is a legal court document that was served to me, that is not acceptable. Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XX/XX/XXXXand XXXX XXXX. This request was not acknowledged. I passed me off to a higher level manager who was very flippant and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. This is deceptive, if not illegal. I will be seeing a lawyer about this.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have contacted Midland Credit Management ( who purchased/collecting the debt on behalf of XXXX ) via mail and still have not heard back from them from the letter I sent requesting written correspondence only. I would like for the company to respond to my request of settling this account in full.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit is the company I was being sued by. I paid off in full in the beginning of XXXX. I received paid in full letter from Midland Credit and was told by representative no forward actions would be taken and they would forward information to the court. After speaking with the company over 3 times court has not received anything from Midland Credit and they have place a judgement against me. Please Advise. Thanks
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XX/XX/2021 Someone on the behalf of Midland Credit Management has contacted someone i knew and described there self as an authority. I have complained numerous times about this company and their false debt that I allegedly owe. I can not sleep at night because the harassment.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They contacted me saying I owe them money, when both XXXX XXXX snd XXXX said my account was XXXX balance. I asked them for validation and statement they wont unless I dispute it. They got hostile and rude yelling at me.
Company Response:
State: NE
Zip: 68025
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: 2021-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was sued in small claims court for a debt repaid to the original creditor, who seems to have failed to notify any debt collector or have it properly stored. The company sent a small claims summons to a house I do not live at by certified mail which was delivered even though USPS has been notified to forward mail to my existing address. the amount they claim I owe is also far larger than I truly did owe ( about {$500.00} more ). But by USPS not forwarding the letter I will have not had enough time from actually receiving it ( my parents forwarded it but failed to bring it to USPS and just put it with other letter that USPS didnt properly forward ) so I will automatically lose the case in a state I do not live in ( so I cant show up even if I wanted to ) This creditor has
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from Midland Credit Management Dear Consumer Protection Bureau, Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from XXXX XXXX XXXX. I know nothing of anything I may owe or even ever having used XXXX XXXX XXXX. I would like any verification that I owed anything to XXXX XXXX XXXX and when this was assumed and for what the bill was generated. If Midland can not verify this claim, I want the claim erased from my credit reports. Thanks for your help. XXXX XXXX
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 amount owed is {$700.00}. I have filed a identity theft report.
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 amount due is XXXX i have filed an identity theft report at identitytheft.org
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A