Date Received: 2021-03-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management is reporting a collection account from XXXXXXXX XXXX on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Midland Credit Management about this account.
Company Response:
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This is a second compliant What happened is that I submitted a compliant not too long ago and when they responded the compliant they just sent me a letter basically saying that they where still investigating my case and they gave me a phone number with an extension and a name of the person that would handle my account ( XXXX Ext : XXXX XXXX XXXX XXXX I called twice and got no answer so I called directly to midland and spoke to XXXX XXXX XXXX XXXX who put me on a wait for XXXX because she was on another call and she's the only one allowed to work on my account and then after a long wait XXXX gets back to the line and tells me that XXXX is out of her desk and once again I am still not getting any useful service.
Company Response:
State: CA
Zip: 93314
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAVE A CREDIT CARD ACCOUNT THAT WENT INTO COLLECTIONS IN 2019 THAT HAS BEEN SOLD TO MIDLAND CREDIT. MIDLAND CREDIT IS REPORTING MY ACCOUNT AS COLLECTIONS ON MY CREDIT REPORT HOWEVER I HAVE AND HAVE OTHER ACCOUNTS THAT ARE OR WAS IN COLLECTIONS THAT DOES NOT REPORT AS COLLECTION BUT DOES REPORT AS A CLOSED ACCOUNT BY GRANTOR. I HAVE DISPUTED THE REPORTING AS I HAVE BEEN MAKING PAYMENTS ON THE DEBT SINCE THE ACCOUNT WAS OPENED BY MIDLAND CREDIT. THEY UPDATE THE ACCOUNT EACH MONTH WITH MY PAYMENTS HOWEVER IT SHOWS AS A COLLECTION ACCOUNT AND APPEARS TO BE NEW EACH MONTH CAUSING MY CREDIT SCORE TO SIGNIFICANTLY FALL EACH MONTH AND SHOWS AS A RED FLAG ON REPORTS INCLUDING XXXX XXXX AND XXXX. I HAVE CONTACTED MIDLAND SEVERAL TIMES ONLY TO BE ANSWERED BY A PERSON IN A FOREIGN COUNTRY WHO DOES NOT ANSWER MY QUESTION AND POINTS ME TO A CUSTOMER SERVICE DEPARTMENT IN THE US THAT IS " NEVER AVAILABLE '' EACH TIME THEY TRY AND TRANSFER. I WANT THEM TO REMOVE THE BLACK MARK AND HAVE HIT A BRICK WALL EACH TIME I DISPUTE THROUGH THE BUREAUS. PLEASE LET ME KNOW WHAT ELSE I MAY DO. THANK YOU XXXX XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Consent not provided. No consent by definition is identity theft. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681b ( b ) ( 1 ) my rights to privacy.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.
Company Response:
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I keep receiving strange court like documents that Im being sued for over {$9000.00} over regular mail. The only phone number provided ends up being automated and through the automation they want me to pay but I have no idea who they are. Now I look at my credit report and Im placed in derogatory standing with a company thats isnt familiar to me and theyve placed it on my credit report. The papers I recieved say they filed a lawsuit against me at the local courthouse and that they will seize and garnish wages the company is midland credit. Which isnt familiar to me.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently was alerted to stated debt by Midland Credit Management by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. Public and widely known and accessible fact that isnt being upheld by the debt collection firm.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX 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: 02122
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have never been a big credit card person. I have had 4 or 5 my whole life other than pre-paid. Each time it was for $ XXXX {$400.00}. I never made out and just had problems with the credit cards. My last one ( XXXX XXXX XXXX XXXX XXXX XXXX who sold it at least a couple times. Midland Fund has had it since XXXX XXXX. Midland Fund had the Sheriff come out at least 3 times about once a year. Each time I took the paper notice from him and never went to court. I was XXXX from a damaged XXXX and could not get out of bed very much from XXXX. Midland Fund has had it for awhile and never tried to contact in the past two years. I have tried to contact Midland twice once very hard as I was able to pay it off as it started at {$200.00} and is now {$850.00}. The second time I told them even though I did not agree was going in for a XXXX XXXX and may not live through it and would like to pay off the bill with a slight deduction since I am going out of my way when I may die. I either never heard from them or literally got a message the day I had to go in for transplant. ( it is all hazy around then and i think Midland did not say anything good anyway if they called which i doubt ). I am a year in from a XXXX XXXX I get {$530.00} a month from SSI and help from my Mother. I have explained this and it means nothing. I just saw a had a hard inquiry from XXXX on XX/XX/XXXX 14 days before i went for XXXX and long after i contacted Midland. I have never been in a XXXX 's in person or online. If that means I tried to get a XXXX XXXX on XX/XX/XXXX when i was about dead it is a total scam and that alone should be enough to end this if nothing else. I am buying fishing poles, weights, and whatever else XXXX sells when i can barely walk up my stairs. I can show the documents from my credit score if need be. Thank You Very Much, XXXX XXXX
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A