Date Received: 2020-12-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This was a scam phone call in order to collect over {$1000.00} in fake debt. The card mentioned was closed a long time ago under my previous ( maiden ) name. They mentioned that my name was not changed, that I still have this card and threatened to take legal action, and attempted to collect money I do not owe, on a credit card that no longer exist. This happened while I was at work and ignored me when I asked questions. I called back and a man answered using my first name. This was not a company! or real debt collector- it is a scam.
Company Response:
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Midland Funding farmed this disputed debt to law firm without forwarding required information. I do not know what this debt is for or how come they are garnishing my wages. There is a document submitted to the court that says I owe this debt but I do not think this document is reliable. This is a new job I just started and they say that I was served and I have no way of disputing this after all these years but I was not served with these papers This is a lot and I will be forced into bankruptcy for a dishonest creditor and a old debt from some law firm I never heard of
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management Inc ... has sent fake packages and certified letters to disguise as gifts and then sends threatening letters inside of the packages. They also called my workplace, family members, and my cellphone after I repeatedly told them not to and this will be worked out via letters from the mail or attorneys. They then took it a step further and now have another person calling impersonating the police and law enforcement. This happens on the days the package or mail arrives ( they use tracking numbers ). It is harassing and I have a XXXX XXXX and XXXX documented and causing me XXXX. It has made me XXXX XXXX and now I am in XXXX XXXX XXXX XXXX! I told them I can only afford small payments a month and they said no.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was midland funding scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm XXXX XXXX XXXX from a XXXX XXXX XXXX saying my wages will be garnished for this debt from midland funding. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.
Company Response:
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a collection agency in my credit report name Midland with the Amount of {$1300.00} thats is not mine. They have a date of 2016 being opened, I was XXXX on those years. I have sent proof to XXXX but the problem has not been resolved. I need that to be removed from my credit report.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX, I received a notice from Midland Credit management with three lawyer names, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I called the number on the letter with the 3 lawyer names and got an account manager that was handling the debt. It was not any of the 3 lawyers listed on the letter. They would not transfer me to any of the lawyers on the letter either. I told them that I knew nothing about this debt as it was never reported on my credit report. I refinanced my house in XXXX and the loan officer pulled my credit to show me all the debt that I was going to pay off with the refinance. All checks were mailed out by the loan company to pay the debts directly from them. All remaining money was sent to me after the debts were paid off. This debt was never reported and I never received any notifications that MCM owned the debt. I have lived in my home since 2014 which gives them more than enough time to find me and they could have reported this on my credit report to show I had a negative debt against me. It would have been paid through my refinance. I called MCM and they told me to call the courts to get any information I needed about the debt since the judgement was sent to them. MCM could not answer any of my question about the debt or why they were not reporting it, or why they did not send me a letter saying they owned the debt and were trying to collect it. For some reason, they decided to send a letter to my old job to garnish my wages. It was denied since I did not work there. Then on XX/XX/XXXX, I got an email from my payroll because they were sent a letter to garnish my wages. I immediately paid the whole debt off even though I was trying to dispute because I do not know anything about it but I did not want to get garnished. It has been close to a month, I paid the debt, and they still took a payment from my check on the XX/XX/XXXX and on the XX/XX/XXXX. I tried to call them to find out why, and they could not give me any information. They just said the process has to complete and they have no control over the process. They could not tell me how long it would take to complete, if or when I would get my over payment money back which equals XXXX. That is two payments of XXXX. My payroll department still has not been notified that the debt is paid in full and I am still at risk of losing another XXXX for the next 2 paychecks and I do not know when I will get this money back because they will not tell me. This has been a strain on my living losing out on XXXX in a span of 2 paychecks with everything that is going on and with having to pay a debt that they will not prove I owe, did not contact me when I could have worked something out with them if they proved it to me, and forcing me to pay in full in the amount of XXXX even though I feel I do not owe it.
Company Response:
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never have an account with Midland Funding, I tried to contact them several times but they are failed to send me necessary documents to prove my ownership. I already sent dispute letters to credit bureaus via certified mail. But for 60 days I never heard from them.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to reach out to Midland Credit Management about an account they allege I am responsible for. I have sent documentation on two separate occasions which they have never responded to me showing me proper documentation that I owe them.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company is attempting to reach my ex husband. I have explained on at least four occasions now that he is not reachable at this number, that I do not have his contact information, and that we are divorced, but they keep calling, several times a day. XX/XX/2020 - three calls Midland Crdt Mg XXXX - 2x Private number XX/XX/2020 - one call Midland Cm XXXX XX/XX/2020 - one call Midland Cm XXXX XX/XX/2020 - two calls Private number XX/XX/2020 - two calls Midland Cm XXXX Unknown XXXX I have no idea what the nature of their business with him is, nor is it any concern of mine. I am registering this complaint as they are harassing me for no valid reason.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXGA XXXX Midland Credit Management , Inc. At. : Consumer Support Services XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX Collection accountS : XXXX ( {$1400.00} ) Re : Acct # XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XX/XX/XXXXor XX/XX/XXXXXXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XX/XX/XXXX and XX/XX/XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30507
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A