Date Received: 2020-10-26
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2020. I was served a bill that was charge off by XXXX XXXX and sold to Midland credit management collection XXXX XXXX XXXX XXXX CO XXXX phone # XXXX
Company Response:
State: CO
Zip: 800XX
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland funding has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called Midland funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe Midland funding is overcharging me and they will not discuss my account with me I don't understand how Midland Funding a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Company Response:
State: MI
Zip: 48091
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX received an email from work that Asset acceptance was to garnish 25 % of my wages again, same thing happened in XXXX. I requested a hearing and filed at court a notice saying I made less than XXXX a week They canceled the process in a week or two. Now I get it again, went to court and did the same thing. I dont remember what year I asked for them to identify the debts and they never did. Some time between XXXX I do not know if this is legal. Non of that shows in my credit report. What to do? They will keep doing this every other year? They never mail me anything but they mail it to my job. The Final Judgment entered on XX/XX/XXXX in the amount of {$8100.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: XXXX XXXX card was stole from XXXX in car thief called in stolen but they still sold debt to asset acceptence and now there filling wrong amount law suits. the amount was less then XXXX in XXXX. The law suit if for XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid debt of {$180.00} on XX/XX/2020 yet Midland Credit Management MCM continues sending me collection of debt letters. They say they will send letter stating debt has been paid but instead all I receive are collection of debt letters. I need this harassment to stop! This is illegal! Attached herein is email stating I paid though it seems to erroneously state I still owe {$180.00}. Note payment was made via telephone directly with MCM.
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2020 I Notified XXXX that Midland funding was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX an Midland funding. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This company is no longer in operation they have closed
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A debt validation was sent to MIDLAND FUNDING as it reads on my credit report on XXXX, requesting documents to validate the debt in question in the amount of XXXX within a reasonable amount of time of 14 days. MIDLAND FUNDING LLC responses a month later with a document with two different names on it, MIDLAND CREDIT MANAGEMENT ( ALL CAPITAL LETTERS XXXX FOR THE HEADER, AND MIDLAND FUNDING LLC on the back of the document stating that there investigation on this matter could take up to 90 days. After this a complaint was filed with the CFPB showing that there document that was sent to me stated on the back that the account was charged off XXXX from the original alleged creditor XXXX XXXX XXXX XXXX XXXX, which was paid off from the very first day that my wet ink signature was given to them, without full disclosure provided to me on the real terms of the loan. so anything after this could not constitute a contract between me and MIDLAND FUNDING LLC. Recently MIDLAND FUNDING LLC responded to CFPB on XXXX stating that they were working on the dispute. In the meantime this debt has been removed from all three credit bureaus, and i have not received any CREDIT REPORTING REMOVAL documentation from them. It should not take 30, 60, 90, or 120 days to either send the proper documentation to validate the debt, or send the proper documentation to discharge this debt. you already have all documentation that is needed from certified mail and the previous dispute that is still open, so nothing will be uploaded in this complaint/.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have filed a suit against XXXX for leaking my personal information in their XX/XX/XXXX security breach, as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XX/XX/XXXX XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XX/XX/XXXX data breach.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: It started in the months of XXXX, XXXX, XXXX, XXXX and i had experienced a day that had my worse nightmare on XX/XX/2020, MIDLAND CREDIT MANAGEMENT INC Amount indicated owed : {$2200.00} This company knocks my apartment before XXXX and late in the evening past XXXX. This company also went to my leasing office asking information about my whereabouts and asking the leasing office if they can open my apartment for them. They also requested my leasing to call me ( in their presence ) to reach out to me while they are in front of the employees in my leasing office. This company also screams my First Name and Last Name on my doorsteps on Saturdays and Sundays knocking our doors loudly. Completely scary mafia like they will kill you! This company also sends collectors and asking our neighbors on my whereabouts. This company continues to harass me at my residence. Our neighbors are also disturbed with them knocking my doors ( including my neighbors ), while " screaming calling out my first name and last name '' to open the doors for them. They leave messages in my doorsteps indicating telephone number to call them back and when you speak with someone, that person from their side ( collector ) will say they can send someone to arrest me, send a police if a debt owed is not settled. Extremely scary company with their non-ethical practice. I do not owe anything nor made a contract agreement with this company. This company also reported derogatory information to my credit file with the three credit bureaus.
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A