Date Received: 2020-11-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I don't know why they keep calling me, several times a day and several times a week and weekends. It could be a debt I owe, but I will not answer my phone and give them any information. Now several times a day, every day, they have been calling a friend. I don't know how they got his number but I'm furious about it. Whether or not this is my debt, they have no right to call another person 's number and ask for me.
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: A debt buyer company, Midland Funding, bought an account from XXXX XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was recently denied my graduate student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " Midland funding '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. Also there is a fraudulent XXXX XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX XXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Please note this has been an ongoing battle with the firm XXXX XXXX XXXX XXXX XXXX. I believe this may have stated in 2018. I was sent paperwork regarding a debt from XXXX - XXXX XXXX? Fraud .... This company is well aware. There is fraud noted in my account. I've filled numerous court filings. Again this law firm has gotten a hold.of my driver 's license a d now garnishing my check. I want this stopped immediately. Will the money already taken be refunded to me? The statue of limitations is more than likely running out and this company back is against the wall.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Over the last year I have received several letters threatening legal action in regards to a debt with XXXX XXXX. I paid off my debt with XXXX XXXX in XXXX of XXXX. I confirmed with midland credit that this was the correct account and explained that the debt was paid. I confirmed with XXXX XXXX that the debt had been paid and was told twice that they had no idea why the account would have been turned over to a collection agency. Midland credit claims that the account was sold to them in XXXX or XXXX of XXXX ( months after the account was paid in full ). When I received a " final notice '' on XX/XX/XXXX I contacted Midland credit again, explaining again that this account had been paid in full. The representative I spoke to was patronizing and I had to ask him multiple times for a mailing Address to send the company proof of payment. He repeatedly tried to change the subject, asking for payment and claiming that I would not have been able to contact XXXX XXXX. I contacted XXXX XXXX again and spoke to a representative there that again confirmed that my account had been paid in full and was in good standing. They also noted that they do not sell accounts to debt collectors as they have their own department to handle that and said they had " no idea '' who this collector was and warned me multiple times to not send them any information about my account or send any payments to the debt collector.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ). I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations. At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Approximately two weeks ago ( week of XX/XX/2020 I began receiving robo-calls from Midland Credit Management. They called several times throughout the day and evening, using many different telephone numbers ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ). In picking up one of their calls on Wednesday, XX/XX/2020, I explained to the person that I had already made arrangements with XXXX XXXX XXXX about the balance and was paying them directly. The person became argumentative and I told them not to call me again and any questions should be directed to XXXX. However, the calls continue to come in no matter what I do on my end.
Company Response:
State: TX
Zip: 77385
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: The problem over these lasts days me and my husband have been trying to do a settlement but it seems that they don't take it serious as they seem to take our personal financial problems as some kind of joke like for example when the supervisor asked my husband why did he wanted to help me with my debt and he responded because she's my wife the supervisor just did a quick mock laugh and obviously after telling the representative the situation that we are in and hearing him doing a quick mock laugh it just made us feel so bad and sad because we are going trough a hard time already and been treated like that by someone that is supposed to treat us with respect but instead get treated the way we got treated we just felt taken as a joke, Also I feel that the way and tone that they ask their questions is not very good as I could say and no other person should be treated like we where during that call, we've also made three calls before that one and one after that one that is a total of five calls that me and my husband have been trying to tell them to please remove me from the XX/XX/XXXX phone line and that I would like to speak to a domestic representative, I've made myself too clearly with them but for some reason they just say that they have done it and I feel that they they have just put a note on my file to speak in XXXX because when I called for the forth time we were told that they where not domestic and when my husband called last time to XXXX XXXX her direct number XXXX and asked her twice if she was a domestic representative she tried to cover herself saying that she was someone that could help me so my husband had to ask her like two or three times I don't remember how many to be honest and she said the same thing and them said that she was not domestic or as I remember can remember I've just been trying many times to get a settlement offer of {$450.00} to settle in full as a one time payment with someone serious that could really help us because I'm not sure if they're even saying the truth to me since I've caught them trying to lie to me and my husband or if the last deal is really the last because I know that they can go lower considering our situation and the fact that we feel not treated serious makes me feel unsecure to deal with Midland, also I don't know why I was put in the XXXX line first of all, It may be because of my name but I want to make clear that I'm not soo good with XXXX.
Company Response:
State: CA
Zip: 93203
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I have no idea who this person or persons are! I have resolved quite a few accounts this person/s has opened in my name. This is one of the last accounts I need to resolve!. I never apply for credit cards I never thought it was possible and above that have no desire to get myself into debt! I do not have one credit card and I pay cash for everything I own. Or use a pre paid debit card to pay for a couple of things online. I am a single mother who's income is low and I survive on what I can afford. Who ever is defrauding your company is getting away with it and leaving me holding the bag! I have never heard of this company before I found it on my credit report. I can't believe someone could spend {$1100.00} in my name and get away with it! This is with Original Creditor : XXXX XXXX XXXX, XXXX CURRENT OWNER : MIDLAND CREDIT MANAGEMENT INC. PHONE NUMBER : XXXX WHO SENT A LETTER OF DEBT THAT IS IN MY NAME FRAUDULENTLY ON XX/XX/2020. I REPORTED FRAUD TO XXXX XXXX ON XXXX XXXX
Company Response:
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Constantly calls my work for a debt that I do not owe.
Company Response:
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A