Date Received: 2020-11-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hello. I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXXXX/XX/XXXX XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company XXXX XXXX XX/XX/XXXX then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. The debt collectors, Midland Credit Management , Inc., XXXX. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, is now wanting me to pay the charges associated with purchases I never made.
Company Response:
State: WI
Zip: 54650
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX,2020 i submitted a complaint to CFPB for Midland Credit Management , Inc and was assigned assigned complaint number XXXX. I asked for validation of debt which was received by them on XXXX XXXX2020. I submitted a letter with specific instructions and still haven't received it. I will attach the letter for your records. The only response i received was billing statements and letter. I'm not satsified with their response. Nowhere in the response from them have i received copies of agreements bearing my signature that i agree to pay what they say i owe.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My ex-boy friend purchased furniture at XXXX 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at Midland Credit Management on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Call from XXXX XXXX XXXX XXXX. Time and date : XXXX, XXXX XXXX, 2020 ; XXXX XXXX. Unanswered. Left no message. Unrecognized number. I called back on a computer VOIP, pressed 1 for English, and a man answered : " [ Unintelligible ] debt agency. '' I disconnected. In an attempt to hear the name, I called again via VOIP hours later. This time, a man immediately said, " May I have the phone number where you received a call from us? '' He did not name the " business ''. I disconnected. This is an unknown number, unknown cause, and scammy lack of leaving a message. The site " ReportedCalls '', XXXX : XXXX, shows " XXXX XXXX XXXX XXXX XXXX and 10 complaints to FTC. However, this was not the name given. ( And in second call, no name was given. ) I suspect XXXX XXXX, about which I also filed a complaint for unknown unsubstantiated calls, " sold '' my number to this scammer after the complaint.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a registered letter from Midland Funding LLC on XX/XX/XXXX informing me that due to a court ruling against me in XXXX, my paycheck will be garnished to pay a debt. This was the first notification I had ever received. The person who was referenced on the court record was at a different address in a different city than mine. I have lived at my address for almost 30 years. I filed a fraud report with the XXXX County Sheriff 's Department in XXXX, Ohio on XX/XX/XXXX. The report number is XXXX, and it is attached to this form. Midland funding is requesting a signed, notarized affidavit from the FTC, but they are providing no information on how to get that affidavit. So I am filling out this form and attaching the report in hopes that I will receive the affidavit that they require. Also, upon looking at the history of this account on Midland Funding 's website, it appears that the person who owes this money has made 2 payments in XXXX. I have never made payments toward this account, since the first time I learned of it was on XX/XX/XXXX.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2020 XXXX XXXX XXXX {$7800.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : Midland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. XX/XX/2020 XXXX XXXX Visa {$1400.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXXdland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Again, afraid to feed into a scam. XX/XX/2020 XXXX XXXX XXXX {$7800.00} repeated. Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have sent a letter of debt verification to collection agency on XX/XX/2020 and they received it on XX/XX/2020. The agency didn't respond to my letter but stopped all communication with me for a few months but recently have begun to phone me several times a week. The phone calls began on XX/XX/XXXX and XX/XX/2020 and though this month as recently as XX/XX/2020.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested that they send me a verification of the debt and they insist they have and will not send it. Then they threaten me and do not send me the verification of the debt. They threaten lawsuits and get XXXX with no resolution. I have never received anything but a bill from them.
Company Response:
State: MI
Zip: 48313
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a civil complaint in a county i do not reside in on behalf of plaintiff Midland Credit management , Inc for an alleged credit account of XXXX XXXX in the amount of {$8900.00} without any prior notification to dispute the debt. This debt is unknown to me. The hearing date is scheduled for XX/XX/2020 and I just received notice on XX/XX/2020 from district XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXX, phone XXXX docket number XXXX. Midland Credit Management , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. It has also been brought to my attention that Midland Credit Management is under Federal district court stipulated finial judgement and order case number XXXX on Behalf of the Bureau of Consumer protection civil action XX/XX/2020 for Midland Credit Management Inc for such violations as this.
Company Response:
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A