Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland credit management had this account since XXXX but they are reporting to my credit that the account just opened in XXXX which is false! They never served me we never went to court and they just closed it the account on another credit report. I want this account closed and removed!
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A summons was presented tome on XXXX XXXX at XXXX XXXX to appear remotely in small claims court for pre-trial mediation over failure to outstanding credit card fees to the debt collect agency Midland Credit Management INC. I had no idea that I owed anything to this company. I appear in court remotely on XXXX at XXXX XXXX for mediation, and denied owing charges that had accrued on the credit card in questioned. The credit card that I had owned I thought I had paid off in XXXX. The credit card in question was still active until XXXX. The Judge ordered us to talk it over, and we exchanged phone numbers. The lawyer representing Midland Credit Management INC. gave me a case number to reference when we called and the mediation was ended. I thought it was strange that the phone number that was given to me had an 555 area code. Usually, that's a false phone number. The next week, after looking through all of my files and finding past bills belonging to the credit card that I possess, I called the number that was given to me. The call would not go through as dialed. After calling the number several times, I did a reverse phone look-up, and the phone number didn't exist. I contacted my lawyer and he recommended that I find some way to contact Midland Credit Management INC. and this situation rectified ASAP! So I call the agency and got a representative. I gave him the reference number their lawyer gave me ( twice ). That account did not exist. The rep. asked for my SSN. I hesitated but I gave it to him. He pulled you my name, and it was then I discovered that the account number didn't match that of the account of the card I had in my possession. Both cards are duplicate cards issued by the same company, active at the same time, only the card that I have in my possession was a Mastercard issued by XXXX, and the other duplicate card was issued when, no one can tell me. When I told this to my lawyer, he attempted to get information about the individual representing Midland Credit Management INC. from the Clerk of the Court in XXXX XXXX, FL, only to find out that his name is not even on the court documents. There is no reference of him. So, the number he gave me is false, the reference number he gave me is false, and the account for which I'm currently being sued or was summoned to court for is not my account due to the fact that someone may have stole my identity back in XXXX.
Company Response:
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. Midland Credit Management
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX, I saw a collections from Midland Funding LLC on my credit report. After I looked into Midland Funding LLC and who owns them, I realized what kind of company I would be dealing with. I called in an attempt to verify the debt and familiarize myself with the facts about this alleged debt. I was given the run-around and was hung up on after whoever I spoke to refused to transfer me to someone else. After I did some more digging, I found records of a lawsuit filed against me in XXXX XXXX, XXXX that included a judgment filed against me for a debt upwards of {$2700.00}. This lawsuit was filed in XXXX and my little brother was served with the suit ; I filed an answer and after showing the clerk my evidence and explaining the situation, I was told that nothing else would happen with the case. Then, a judgment in XXXX was entered against me in XXXX -- two years later -- and I have no idea how this could be the proper venue. I haven't even minimal contact with the state of XXXX and have not lived there for five years, now. I was never notified of this alleged debt in writing, by phone, or by any other means before a lawsuit was entered against my name in XXXX by Midland Funding. Obviously, I then lived and still live in XXXX with my wife and family. I looked at the court records and saw that this alleged debt is tied to a XXXX XXXX XXXX credit card that I never remember having. In fact, my wife and I have a XXXX XXXX credit card that we've had for years and it has always, with no exceptions, been paid on time. I'm really confused because the information I saw about the alleged contract with XXXX included my accurate name, social security number, and birthday. The only thing I can think of is that an employee of mine at XXXX XXXX could have opened a credit card in my name during or after my time of employment there. Given that the alleged contract was signed in XXXX XXXX, XXXX, I contacted a family member who is a practicing attorney in that area and he is drafting a letter to Midland. I've also contacted a lawyer in XXXX who can help me navigate my next steps in either suing Midland or challenging the judgment entered against me in a state I didn't and do not live in. I'm glad to know that I don't have anything that they would be able to garnish/attach in XXXX, at least. If they were to try to domesticate their judgment here in XXXX, it would be a renewed opportunity for me to prove their missteps and abuse of venue ; my wife is a practicing attorney here who specializes in consumer law. The statute of limitations on this debt, allegedly from XXXX, will reach the five-year statute of limitations in XXXX of this year according to court documents. I feel as if Midland 's operational attitude is oriented only towards collecting money, whether or not people actually owe it and by abusive means. They assume that people do not know their rights and count on this in order to get more money. They represent the absolute worst in capitalism, feeding on working class Americans who have neither the time nor resources to challenge them. Every lawyer I have consulted about this, in XXXX, XXXX, and XXXX, has told me that Midland Funding and affiliates are notorious for their predatory practices. I am sure that as this country progresses and continues to hold these businesses to account, they will be one of the first ones to go. I hope to be one of the voices that exposes them and their abusive tactics. Currently, I am gathering all of the evidence supporting my aforementioned claims and working with my legal team to exhaust all remedies to this situation.
Company Response:
State: CO
Zip: 80904
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote a letter of validation to company to validate the debt. Not enough information was sent to be to verify debt was owed such as : Why the collector thinks I owe the debt, the amount and age of the debt, and whether the collector had authority to collect the debt in my state.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT claims that I owe a debt to them. They are a collection agency. I asked them in writing to verify the debt with the original documents that prove my involvement with the debt. They have not furnished such information. Given 611 of the FCRA, they have a responsibility to verify any debts they claim to own the rights to. If they can not? They are legally required to cease reporting the debt. They have not. I'm asking that the debt be removed from my credit profile.
Company Response:
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted to reach Midland Credit Management on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Midland Credit Management nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Midland Credit Management provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was previously deleted and has been reinserted on my XXXX credit report without notifying me. Midland credit management XXXX XXXX {$2600.00}. This item was originally deleted from my credit in XXXX.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not now nor have I ever had a contract with Midland Funding and these clowns are trying to make me pat money I do not owe! It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a credit card through XXXX XXXX XXXX. My family was impacted my the Covid-19 pandemic. I called XXXX XXXX XXXX and asked for assistance. I spoke with a gentleman named XXXX, and he agreed to wave any fee 's for the time being, and to keep in contact with them. The next month bill come around and they tacked on the fee 's they had agreed to wave, but twice the amount. I called again and they said they would be taken care of. The fee 's never got removed but instead, kept doubling them and adding them on, for months. I got tired of it, and had the money to pay off the full balance, ( including their fraudulent fees ) from the Covid-19 pandemic stimulus check. I tried to make a payment online, and their system was down, so I called and spoke with a representative. She said the system was down on her end, and to call back in a couple days. I checked back a couple days later to make a payment online, and my account was locked. I then called the company, and they proceeded to tell me they sent my account off to collections, to Midland Credit Management. I had been signed up for E-billing which was posted on my account with XXXX XXXX XXXX. They declared they no longer have any documentation, so I now have no record of any payments made, or the documentation of the true balance in-which I owed. They prompted me to contact Midland Credit Management. I then contacted Midland Credit Management and told them I need all documentation and proof of the account that they have. They stated that they already sent the documentation, which they did not, because I hadn't received anything from them. I found out who the company was via XXXX XXXX XXXX. They refused to " re '' send copies of documentation to prove the debt. The company XXXX XXXX XXXX, made fraudulent charges on my account, adding over {$500.00} to my true balance and will not provide documentation. The collections company, Midland Credit Management, has added charges to the balance, and refused to provide required documentation. I have no record of documentation because they locked me out of my account therefore, my documentations of proof, were washed away. This is impacting my credit score, and my personal life. I feel as if I've been the victim of fraud, at the head of the corporate world, where they are feeding off of their weaker pray, whom has no leverage. I am prepared to speak with my attorney.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A