Date Received: 2021-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Got served paperwork to appear on court for a debt they say I owe from midland credit management on the XX/XX/XXXX. The paperwork says it's from a XXXX XXXX credit card, and I paid it off already.
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no. 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Financial Services has harassed me for years and went ahead and placed a Derogatory mark on my credit. I disputed this issue with the Actual Credit Card company who investigated the issue and they confirmed it was a fraud and reported it to Midland. Midland does not care and still writes. Send me letters. Calls and harasses to try to force me to pay. I have sent them the finding from XXXX XXXX and they still don't stop or care to stop. I need this issue resolved so I can refinance and get my finances situated.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to turn you in to immigration or deport you
Consumer Complaint: I've never felt more scared they come banging on my front door they call me nonstop even showed up at my place of work I've never had any business with them please help.
Company Response:
State: CA
Zip: 94402
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management has acquired a debt I incurred with XXXX XXXX. I believe this is for a XXXX credit card account with XXXX as the issuing bank. Due to loss of job and income shortly after the Covid epidemic began, I have been living entirely on Social Security for the past year. This is subsistence-level income and has caused me to default on debts that, until a year ago, were up-to-date. ( My credit score a year ago was around 775. Now it is below 500. ) In a letter dated XX/XX/2021, Midland gave me until XX/XX/2021 to settle the XXXX account or face " possible litigation. '' The amount demanded by Midland is {$7700.00}. My XXXX credit card had a credit limit of either {$2500.00} or {$3500.00} -- I do not recall which. Assume {$3500.00} for the moment. The account has been in default since sometime last summer. That's about 8 or 9 months. Even with interest and penalties, there's no way that a {$3500.00} original balance can more than double in less than a year. I believe {$7700.00} is a fraudulent amount. Midland has a history of such behavior, for which CFPB has sued them twice. The second lawsuit I understand is because they violated the consent order from the first lawsuit. I have no explanation or itemization of the {$7700.00} amount from Midland. Previously I received itemized statements from XXXX, but those statements reflected charges, interest, and fees in proportion to my credit limit. Please demand that Midland provide a detailed accounting of how this balance was derived. Furthermore, if CFPB finds that Midland 's behavior in this matter violates the FDCPA or previous consent orders, please require that they desist from the collection of this debt. Thank you.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive multiple calls a day from this credit collection company, from the same person, everyday. I have spoken to this credit collector once for over 35 minutes a couple weeks ago and specifically told them not to call me between the hours of XXXX due to my work hours. I advised them that I am not able to make good on this debt at the moment due to lack of funds caused by unfortunate circumstances. I had to repeat myself over and over letting the credit collector know I needed to get off the phone and they continued to talk and then a supervisor butted into the conversation. They continued to talk for another 15 minutes badgering me and asking me why I can't make arrangements to pay the debt then and the supervisor states promises don't mean anything and are just words. I politely said, I already explained to you why I can't pay right now and I am hanging up now. I did ask them to call me back on the XXXX to possibly make some sort of arrangement if I could. I couldn't make any arrangements on the XXXX because I still didn't have funds, so I didn't answer the phone in fear that they would keep me on the phone for another 30-40 minutes and ask me the same questions over and over as they did weeks ago. They are not respecting my wishes to only contact me after XXXX and now the same credit collector called my place of employment this morning XX/XX/21 at XXXX. This is becoming intrusive to my life and because this is a personal matter, they should not be calling my place of employment. I will refuse their calls if they can't respect my wishes not to contact me multiple times a day and especially calling my place of employment. I understand the credit collector has a job to do but this is wrong and I will make good on my debt when I am financially able to, calling me multiple times a day is not going to get them paid any faster.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland credit manaagment has no signed contract binding me to a XXXX and XXXX balance. XX/XX/2020 I do not enter into No agreement with midland credit management. They bought debt from XXXX for XXXX and XXXX from XXXX XXXX XXXX and have no co tract between myself and them. They are fraudulent placing collection and dates I never signed any binding contract with this company I want both account removed off my credit file if they do not have a contract that I have signed with them. They are in violation of my rights and due to Covid they are placing incorrect collections accounts to ruin my credit further. If they can not provide a contract signed between my self and their company I want both accounts removed from all 3 bureaus ASAP.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX - Mailed certified letter asking for validation of debt on 4 accounts. XX/XX/XXXX - Certified mail delivered No validation has been received to date ( XX/XX/XXXX ) XX/XX/XXXX - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. XX/XX/XXXX - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: None of the choices were about my complaint but it made me choose one. I am reporting Midland Credit Management for continuing to report inaccurate information on my credit report. I agreed to pay my FULL BALANCE of what I owed to a past credit card. I had a balance of {$1500.00}. I have been paying {$150.00} a month since last summer and have paid down my balance to {$380.00}. Every month they report as though this is a new debt with the high balance being each months new balance. This continues to NEGATIVELY impact my credit score because they are FALSELY reporting my HIGH BALANCE and then what the remainder is. I have contacted them and basically was told tough luck, thats the way we report. This is unfair and should be IMMEDIATELY remedied. I did not shirk my responsibility nor negotiate a lower debt to pay, even though I could have chosen those options. The LEAST they can do is report my debt and payments correctly! Every month I get a notification that my debt collection needs attention because they change my high debt amount to the new balance owed. I am sick and tired of this company getting away with improper and unfair reporting and wish for a complaint to be filed against them and my account to be reported fairly. Thank you for your time.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A