Date Received: 2021-03-12
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: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by XXXX XXXX XXXX. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except Midland Credit Management. Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by Midland Credit Management for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years. I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. .
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
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: MIDLAND FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was PAID and close i am no longer responsible for this account. According to the FCRA, MIDLAND FUNDING LLC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: For the pass, several mouths I was receiving a debt for my same first name, but a different last name, so I threw them away. I then had someone come to my door and deliver an open letter stating that Midland credit was suing that name. I had already checked my credit report before, but I check it again. This time the debt was showing up on my credit report. I contacted them and said that I would have to file a police report, which I did. The letter that they sent out to me said that the account was opened in XX/XX/XXXX, and that Midland purchased debt on XX/XX/XXXX. I was divorced from my first husband in XXXX, with the name that was on the debt. But I legally change it back to my maiden name. A few years back, which could have been in XXXX, I had noticed a CC on my credit report that was opened and was not my card. I reach out to the company, and they said that they would close the account. They said that the people that opened it were out of XXXX. All they did was close it, and it was taken off my report. I feel like this might be the same card. I did not open this Credit Card. Somebody used my SS # to open an account in my old last name. This is fraud against me and my SS #. I have my divorce papers, and my marriage certificates to prove this.
Company Response:
State: TX
Zip: 75110
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted Midland Funding and was advised my debt was now with XXXX and XXXX. I have not received any written communication or any calls from XXXX XXXX XXXX. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with XXXX and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with XXXX XXXX XXXX, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.
Company Response:
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently noticed that I have a fraudulent collection account for {$630.00}, I NEVER open this account or never authorize this, I called the bank that issue this card XXXX XXXX XXXX XXXX and they told me that I have to call collection company ( MIDLAND CREDIT MANAGEMENT ) I did call on XXXX and spoke with XXXX XXXX to XXXX, and they said that they are already working to fix this discrepancy, I open a dispute with XXXX but they haven't give me a solution for this fraudulent account, I need a investigation and what ever comes as a report i please will need a copy.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have a previous complaint about this company. I checked my credit report & saw that Midland Credit Management continues to update remarks on my credit report by decreasing my account by {$1.00}. What is the purpose of this other than to continue to damage my credit & try to get me to pay?
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX from Midland credit continuiously calls my job even after I have asked him not to call my job. He is now XXXX family member calling them several times a day. They have had to turn their ringers off on their phones while at work because of the calls.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named Midland Funding, LLC. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the Fair Debt Collections Act and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. I have attached the letter that was emailed to my employer, but I hid my SS #. What recourse do I have? Thank you, XXXX XXXX
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A