Date Received: 2020-12-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2020, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: 1. Confirmed that a notice to settle the account was sent to a very old address, and they did not " receive any reply ''. The Summons to Appear in Court for their law suit was served as a knock on my door at my correct address. 2. I called to pay the amount owed which I did not know was owned by the Company suing me and this is because they sent a letter to a very old address, even though in their Records that they submitted to the Court had my current address in the pages of evidence that I was liable for the dept. 3. First Misrepresentation : I was told if paid via Wire Transfer ( lump sum from my bank ) they would give me a Paid-Off Letter and Close the Account in 1 Business Day. I sent the Wire Transfer on XXXX 2020 and called the next day and the account was not closed and they could not give me a Paid-Off Letter even though they could confirm they received the Wire Transfer and was told to wait another 24-48 Hours. I called the Following day and was told to wait another 24-48 hrs ( even after talking to management ). I called bay after day and they still did not produce the Paid Off Letter until a week and two days later and not willingly ; this was after demanding it multiple times and waiting for hours on the phone to speak with management. 4. I was told over the phone they would " request the Legal Case be Dismissed '' within 1 Business Day after the Wire Transfer. A week later after the transfer and even the Day Prior to the Court Date there was still no Dismissal at the Court House and the Case was still active and required my Action to show up for the Court Date. 5. Second Misrepresentation : Their " legal team '' had told me the case would be Dismissed on the Court Date on the XXXX so I wouldn't have to show up or take action. Out of extreme caution and since the company had misguided me through the entire process, I showed up to the Court Date where I had to file an answer by XXXX. I called the Case Court Clerk to see if the company had file to dismiss throughout the day until XXXX and they still had nothing requesting a Dismissal. If I had not showed up and filed my answer that day, I would have been automatically ruled against. 6. Two weeks later the Court is still proceeding on this case and I spoke to the Case Clerk and they confirmed that they still have nothing on file for a Dismissal and nothing from the Plaintiff suing me and that the Case is still ongoing. The worst case of misrepresentation was being told over an email ( by their legal team ) that I had no need to take action or go to court since the case would be filed to be dismissed. This is very malicious practice and I would have a Public Record of a Court ruling against by Default me if I had listened to their written instructions not to take further action. 7. The company updated Credit Report and still shows I owe {$200.00} ( from {$1000.00} ) even though I settled in full and the Paid Off Letter says I no longer have any obligations or debts with them. they are still reporting a Derogatory Report of {$200.00} which is inaccurate and continues to damage my credit report.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Starting back in XXXX I have been receiving calls from Midland Credit looking for someone named XXXX XXXX. I do not know this person, nor do I know anything about the supposed debt they owe but I have asked twice now for Midland Credit to remove me from their contact list as I'm not the person they're looking for ( most recently I asked them to remove me today XX/XX/2020 ) and they are still calling me multiple times a week. Usually they call and when I answer they immediately hang up. I call back, most of the time I get a recording that states the number is not in service. The phone number I was able to call back that worked was XXXX.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to XX/XX/XXXX. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/XX/XX/XXXX This information reflects on my XX/XX/XXXXcredit report and XX/XX/XXXX reporting. My report this morning reflects zero accounts in collections. I have an email from XX/XX/XXXX that I paid off a collection account with XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Funding LLC took on the debt I owed to XXXX XXXX XXXX in XXXX. At that time I had enrolled in a debt relief program with XXXX XXXX XXXX and this debt was one of the accounts managed by XXXX XXXX XXXX. In XX/XX/XXXX a Warrant In Debt was filed against me by Midland Funding LLC. I was represented by XXXX XXXX XXXX and a settlement agreement was negotiated and agreed to. The Stipulation of Settlement stated the Defendant will pay Plaintiff a total of {$110000.00} in satisfaction of the debt owed with an initial payment of {$95.00} by XX/XX/XXXX and 10 monthly payments beginning on XX/XX/XXXX with a final payment of {$95.00} on XX/XX/XXXX. It states that upon payment of the Settlement Amount, Defendant will be considered released from all causes of action and claims we have in connection with the account referenced in the agreement. It also states that once the signed stipulation is returned to the Plaintiff and the first payment as agreed upon is received by Plaintiff, Plaintiff will dismiss the case without prejudice. This debt was paid in full in XX/XX/XXXX. The final payment was mailed XX/XX/XXXX by XXXX XXXX XXXX and Midland Funding LLC showed it processed XX/XX/XXXX. As of XX/XX/XXXX this debt is still being reported as an open account and that {$540.00} is the remaining balance on the account. Also, the case was never dismissed per the terms of the stipulation agreement when the first payment was made in XX/XX/XXXX. I have tried to contact Midland Funding LLC regarding this issue. At one point I was told an amount of {$150.00} was owed on the account. I informed them that the account was paid in full and the amount that was being reported on my credit report was {$540.00}. I was then told to contact a different department to resolve the issue, which I did. After speaking with several people in that department, I'm told they can not speak to me due to a " do not contact '' order on the account placed by XXXX XXXX XXXX. I've tried to explain that the account is paid in full and they need to clear the matter up on their end, but they are unwilling to help me. I have sent them an XXXX revoke letter from XXXX XXXX XXXX and I'm hoping that will help, but I feel I shouldn't have to go through any more steps or processes with them since they have all the documentation regarding the stipulation agreement and the account was paid in full in XX/XX/XXXX. As of this writing, they have not met their side of the agreement in any form, beginning with dismissing the case once they received the first payment as outlined in the stipulation agreement. With this complaint, I am attaching a copy of the stipulation agreement I received from XXXX XXXX XXXX, a copy of the payments made by XXXX XXXX XXXX to Midland Funding LLC as provided from the account ledger, a copy of the account information from the Midland Funding website showing where the payments were posted to the account, and a copy of the XXXX Revoke letter from XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit management called in XXXX was very rude to me ..asked very personal questions. I got very upset explained why i wss in debt i tried paying it back thru a debt relief co that stole my money. Now im on my own. So i made payment arrangements of XXXX a month Since then they have shut offmy account now 2 times all within 3 months. Because they want XXXX up front paid in full. I want the games to stop. I dont have time to play. The bill was on automatic draft out of my account. I have proof. This is ridiculous. Im not calling because the ladt time they said they received no payment when i had my bank statement in my hand and i told them it was taken out on the XXXX as it was agreed to. Well. I guess this is all a game to them but its not to me. I have been in financial hardship trying to do the right thing.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Date XX/XX/2020, Amount owed {$1000.00} Midland Credit Management discussed my account with a family member who is not on the account and they obtained his phone number illegally.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XX/XX/2020, at approximately XXXX XXXX, a gentleman named XXXX XXXX from Midland Credit Management called my employer, XXXX XXXX XXXX XXXX XXXX, asking to speak with me but refused to state where he was calling from. He called from XXXX XXXX XXXX XXXX. A reverse phone lookup reflected it is from Midland Credit Management. I returned the call from my cell and a recording answered saying that this line is being investigated for fraudulent practices. On XX/XX/2020, at approximately XXXX XXXX, a woman called my employer AGAIN ( from phone number XXXX ) and refused to leave her name but stated she was calling from " Midland ''. I am not allowed to receive personal calls at work. They need to stop harassing my employer.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2020 I contacted Midland Credit Management by phone at XXXX XXXX XXXX XXXX XXXX. They had been calling my cell phone repeatedly, and I was notified by my sister that they repeatedly called her house phone trying to reach me and collect a debt. I had never heard of the company and they did not send me anything in the mail with an account number or balance. I called Midland Credit Management over a month ago requesting their mailing adress so that I could verify, dispute, and/or or settle the debt. I wrote them two letters- one addressed to an office in XXXX , Michigan , and the other to an office in XXXX XXXX , California - asking them to stop calling my sister 's house and to only communicate with me in writing. I did not receive a response, so I called back on XX/XX/XXXX to follow up. I spoke to two female representatives who did not state that hey we're representing Midland Credit Management, but did say the call was an attempt to collect a debt. Neither of the reps offered settlement, dispute or verification options but instead asked me personal questions about why I couldn't pay the debt that day. I asked for the adress to make sure I sent my letters to the correct company. The first representative said, " What would that change if you communicated in writing? What was happening in your life at the time that the account went delinquent? '' The questions seemed irrelevant and I asked her to verify the adress. She said the post office address quickly so that I couldn't hear it. I asked to talk to a manager and she also didn't offer me any option but to pay the full balance that day. She said they would have to hire an attorney locally and take the debt case to court. I got frustrated and ended the call. I tried to call back but I got an automated message saying the office was closed. I am concerned that MIDLAND CREDIT MANAGEMENT based in XXXX XXXX, CA is NOT A LEGETIMATE DEBT COLLECTION COMPANY.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A