Date Received: 2020-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.
Company Response:
State: KS
Zip: 67216
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.
Company Response:
State: KS
Zip: 67216
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Around XX/XX/XXXX I opened a credit card account with XXXX XXXX to purchase leads for my company. The parent company abruptly closed in XX/XX/XXXX. I owed an amount of {$2100.00} on the balance. The debt was eventually placed with Asset Acceptance and then turned over to Midland Credit Management. I have apparently been sued for this debt because I just received a copy of a judgment order from XX/XX/XXXX saying I need to inform them of what possessions I own. I have never been served with an order to appear in court, and this debt is 13 years old AND it doesn't even appear on any of my credit reports. I think this is way for them to get me to pay an old debt they obviously bought. I also think this debt is time barred. I don't know what to do, I'm XXXX due to XXXX XXXX XXXX and have no money to pay. The debt is now {$3000.00}.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: . I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I had credit card debt with XXXX XXXX. Both XXXX XXXX and Midland Credit Management were sending me bills at the same time for months. I contacted Midland Credit Management upon receiving notification that they were sending my account to attorney review for a lawsuit. I requested a validation letter. I never received the letter, but received a final notice on the attorney review for lawsuit a few months later. I again contacted the company. They stated they sent the letter XX/XX/20. When I told them I hadn't received it, they told me that they were unable to send another, as it had not been returned to them. The only way to receive another was to dispute my debt with them. I did that. Two days later, they began to call me again. I told them that I had disputed my debt and asked them to stop contacting me until I had received my letter. I still have not received it, and they continually call my phone, sometimes several times a day. It is frustrating in my personal time and worse when I am at work.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX XXXX credit card that went to collections and it was purchased by Midland Funding LLC. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office XXXX XXXX XXXX XXXX XXXX who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to Midland Funding LLC. I attempt deal with the XXXX XXXX XXXX XXXX XXXX XXXX and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and child custody battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained custody of my children and as their father struggled with serious addiction issues that jeopardized the children safety. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full custody of my children and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as XXXX high risk group so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. As I explained, due to a financial hardship I can not afford to pay the balance on the account. Midland Credit Management has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting Midland Credit Management to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland sold my debt to XXXX XXXX XXXX. I am unsure as to why Midland keeps reporting my debt. I contacted XXXX XXXX firm twice per the attached letters and have not received what I requested. I then proceeded to contact XXXX to dispute all this and XXXX along with Midland stated that the debt was correct without once again providing me with the information I requested. Again, Midland should not be reporting this debt since they sold it and XXXX XXXX did not provide me with the documents requested.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is my second complaint regarding this company. Midland Credit Management who has sent this to XXXX XXXX XXXX XXXX, XXXX. They are requesting me to pay XXXX to them regarding a XXXX XXXX XXXX XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from Midland Credit Management stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that Midland had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from XXXX XXXX XXXX stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.
Company Response:
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Every day for a month I receive a call from Midland Credit Management. I have answered them but they dont seem to have conscious thought about what they are doing, they dont listen. The problem is that I am not in collection by anyone. My credit rating today is XXXX. I have no idea why they keep annoying me with calls that wake me up in the morning and late evening calls. I cant get them to stop. I can not block their number because it keeps changing. There number today is XXXX
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A