Date Received: 2020-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I received repeated phone calls from company, I placed them on block and they will still call from another number
Company Response:
State: SC
Zip: 29505
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notification from my credit monitoring service that a collection account had hit all three of my credit reports. I never received any correspondence from this company regarding the alleged debt. Based on the information provided on my credit report this debt does not belong to me. Ive never entered a contract with Midland Funding let alone done business with them to begin with. I would like this account to be removed from all three of my credit reports as it is unethical to throw negative information on my credit reports without substantiating that this alleged debt belongs to me. I would like for this to be resolved immediately or I will pursue further legal action.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have called Midland Funding several times to try and resolve this matter. The last time I call I was laugh at me on my offer and hardship. I dont see where a hardship is a laughing matter. 1. The response I got was unprofessional and unclearly uncalled for. 2. A hardship in any form is NOT a laughing matter. 3. I was left on hold for 45 minutes when I ask for a supervisor to complain about the representative. Right now times are hard for everyone and bein laugh at and treated like dirt all because I ask for a low settlement is not right. Midland Funding needs to work on the customer service skills.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraudulent Midland Credit Managment Co on my credit. I have paid this collection despite it being not mine as the company promised to remove this account from my credit. This account is continuing to report on my credit despite being fraudulent.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XX/XX/XXXX I woke to find my car had been vandalized. Stolen from my vehicle was personal property and my wallet. upon finding my wallet was stolen I made appropriate steps to get a duplicate license and cancel my bank cards. Fast forward to XX/XX/XXXX I was summonsed to court about a credit debt that I knew nothing about. I called the courthouses and Midland credit in an effort to ascertain anything that said I opened the account. XXXX XXXX claimed the account was opened on XX/XX/XXXX but when I asked for something with my signature on it they said the no longer have the information as it was passed on. I then called Midland Funding who could not provide that either that the courts had it, so I contacted the courts and they don't have it either. I was also told that a payment was last made on XX/XX/XXXX so I asked for any information on the payment ( ie check, bank etc ) and nothing could be provided as well. I do not remember opening this account and simply have asked for any proof that it is mine. No one could provide any of that.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was sent an agreed judgement for biweekly payments of {$11.00} starting on XXXX the paperwork was not received till after the XXXX. When i contacted them to get a revised agreed judgement they insisted i sign the one that has a date that has already passed. I have since also received a letter saying i am now in default of said agreement. i contacted someone to explain that i will not sign something with a back date that shows i did not keep my end of the agreement and that i would need a revised agreed judgement with a future date and they advised that they will not do that. their practices are misleading and malicious. I told them i would start the payment in XXXX to allow them time to send me a revised agreed judgement with that date and that i would be happy to sign that. They will not do that. they are trying to make it appear that i am not willing to pay when i am but i will not sign a legal document showing i was supposed to make a payment on XXXX when the document was not received till after that time. i believe they intentionally sent it after the due date to they could continue to proceed against me legally and not honor the payment agreement that their website initially let me set up, auto deducted payment from my bank account and then automatically took off.
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted CFPB about a debt collection notice I received from Midland Credit Management. The account they were trying to collect on was fake. It was for a XXXX credit card that I never opened. I filed the complaint with CFPB. Midland responded that they purchased the debt from XXXX and insisted I contact them to resolve the debt. XXXX later responded acknowledging that the account was falsely opened and stated that they would recall the account from Midland Credit Management. Both also CLAIM that they have not damaged my credit. If XXXX is acknowledging that the account is fake and that they're recalling the account from Midland, why is Midland claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I am a victim of identity theft, the enclosed accounts are a result of identity theft. These accounts are having a negative impact on my credit. I am requesting that these accounts be removed from my credit report. Thank you
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX,2020 I sent a certified letter to Midland Fund requesting to validate the debt in the amount of {$1200.00}, the letter was received XXXX XXXX, 2020, I received no response I sent a second letter requesting validation again on XXXX XXXX,2020 and it was received XXXX XXXX, 2020. I received two letters from Midland on XX/XX/2020 and XX/XX/2020 ... still with no proof or validating the debt but only stall statics.
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XXXX/XXXX/17 midland funding brought the debt ... it was charge off .. from room place.They start garnishing my check .I lost my job then the harassing phone call started ..The amount they are trying to collect in not the account that was old on the account.
Company Response:
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A