Date Received: 2020-10-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've told them numerous times they have the wrong number. They call at LEAST 7 times a day ( sometimes 10-12 times a day ), every day from SO MANY different numbers. As soon as I block/report one number they call me from another. They call while I'm working, driving, sleeping, ect. They will NOT leave me alone and I'm getting in trouble for my phone non stop ringing while I'm with customers or in a meeting at work, while my kids are on the computer for school. THEY WONT STOP
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
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: I recieved a letter via XXXX that states the debt collector - XXXX XXXX XXXX - is threatening to turn my debt over to a lawyer who will sue me for this debt owed.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management has sent me a " Final Notice '' stating I have to pay the full amount of {$610.00} by XX/XX/2020 by logging in to an account on their website at Midland Credit.com. I have never set up an account with them online. Also, after looking over reviews for this company, it is clear they have scammed many people in the past. In this notice, they state they can have a lien placed on my property, garnish my wages and accounts, and obtain information about my assets by the use of a notice request, deposition, or subpoena to appear in court. They claim they have an attorney review planned in my state of GA and I am responsible for court costs and post judgment interest charges. I know nothing of this company and do not trust anything they state because numerous complaints and scam alerts have been posted regarding their authenticity and policies.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Over the past year, I have received multiple ( according to XXXX records, 31 total ) calls from varying numbers in various States in the U.S.from this company, Midland Credit. I have told them repeatedly I am not the person they are seeking to find and that I have no knowledge of this person 's whereabouts, but they have not ceased calling me at all times of the day or evening. I have blocked these numbers as they have come in, but the calls have not stopped.
Company Response:
State: ME
Zip: 04401
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Account opened XX/XX/XXXX Last Payment XX/XX/XXXX Last Date XXXX XXXX XXXX XXXX, XXXX, XXXX per XXXX XXXX XXXX. Phone : XXXX On XX/XX/XXXX @ XXXX XXXX I was contacted by a young lady @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aged debit from XXXX. I advised that I had been contacted by Midland Credit Management Inc.XXXX XXXX and Midland Funding LLC regarding the same debit. The young lady advised that XXXX XXXX owns this debit and asked if I had paid them. I advised NO and she said I should not pay them as they own the debit and they are unable to report this anymore due to reporting age of debit XXXX XXXX, XXXX. I advised the young lady that I had disputed the items with Midland 3 different times and each time I dispute the items Midland go out and update the Date Reported date with the current date. Example : I just open a dispute on XX/XX/XXXX with XXXX. XXXX XXXX updated date reported to reflect XX/XX/XXXX amt. XXXX as Charge off status. Acct # XXXX Midland Funding acct XXXX shows date reported XX/XX/XXXX amt. XXXX as Charge off. Acct # XXXX Midland Funding XXXX XXXX XXXX updated date to reflect XX/XX/XXXX amt XXXX as Charge off. Acct # XXXX I am not understanding how this company is able to keep updating the report date nor am I understanding how they are able to report on this if XXXX XXXX owns this file. Also for the original debit Last Date of Delinquency shows XX/XX/XXXX how every for each one of Midland shows XX/XX/XXXX. I am trying to understand how is it that one company can report an items 3 different times by only changing account numbers and rounding up balance amount. I have tried to work with this company and they want the money and then advise they will not move dispute. I would like to ask to have this business reviewed as this is not fair for the consumers as I understand I owed the debit but to reproduce a debit from XXXX ( 3 times ) in one month is over the top. Thank you in advance for your time in reviewing my letter and hopefully assist me with this matter.
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Some company with number XXXX XXXX XXXX and XXXX x XXXX called my work place and tried to contact me there. The office took a message and he said this is XXXX with MCM and left a phone number. I have had no dealings with them owe them nothing and refuse to accept their bothering me at work. It is a govt office and not allowed. Hi I just took a phone message for you. He said you will know what it's about. He said his name is XXXX with MCM. Phone is XXXX x XXXX. This is the email I received re the event
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland Credit Management sued me without ever sending me a letter to my current address with notice that I could dispute this debt. A default was entered fraudulently due to a motion for extension of time that Midland did not notify the Court was being filed. I am now waiting for my court hearing on a motion to set aside judgment. This debt was a SECURED account that I received years ago after foreclosure and bankruptcy, and I told the original creditor to apply the security deposit and close the account. The original creditor subsequently sold this debt to various debt buyers, and it ended up with Midland. The address on the Summons was an old address, and Midland did not bother to have their process server give them the new address and send me the required advance notice. They have sued me for hundreds above the credit limit. I asked twice for the contract and statements and I have been ignored by their attorney. It remains to be seen if the Court will overturn the judgment and give me time to answer. If they do not have the original documentation, then they came to court fraudulently.
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My ex husbands credit card bought by midland and charged off was charged off as my debt. It wasnt my debt. Its counting against my credit score and report. Midland has sent letters and called my house my address. Im divorced since XX/XX/XXXX separated XX/XX/XXXX. This isnt my debt from XXXX XXXX XXXX its his
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. Midland credit management said I owe {$15000.00} to an old ( XXXX XXXX XXXX? Does not say what type loan. From original creditor, XXXX? I have never had a load from XXXX nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland funding and XXXX XXXX I have dispute this information multiple times with Midland and XXXX, this account is in collections and I paid Midland funding and they said they will do a pay to delete, I have also sent the XXXX the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A