Date Received: 2020-10-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am receiving repeated, continuous robocalls from Midland Credit Management on my cellphone, harassing me on a daily basis. I have no debts and have no reason to be receiving these calls. I have also sent a cease and desist letter. This unnecessary harassment needs to stop interrupting me throughout the day multiple times -- and without cause. I suspect that I am on their list because mine is a common name, and the company has not taken the time to investigate fully if they have the correct person.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have a total of XXXX accounts that were purchased by XXXX XXXX : 1 ) XXXX XXXX with a balance of {$3500.00}, 2 ) XXXX XXXX with a balance of {$3500.00}, 3 ) Synchrony Bank/Care Credit with a balance of {$1200.00} and 4 ) XXXX XXXX BXXXX with a balance of {$2000.00}. Unfortunately, I defaulted in all these credit cards due to a hardship and ended with them, all accounts are in a legal status, so this company is about to suit me. I am doing my best to prevent a big lawsuit from this debt buyer and later pay more money in interest and legal costs. I decided to work 2 of these accounts XXXX XXXX XXXX and XXXX Bank XXXX XXXX to show this debt byer I have good faith intention to resolve my debt and to alter work on another XXXX. My representative ( who called on my behalf ) contacted this company and after several attempts he got an offer for 60 % settlement for the XXXX XXXX and XXXX Bank XXXX accounts, thing that is great for me. The only issue is that the debt collector is asking for a single payment and I am not in the position to pay this settlement in a lump-sum, thing that is sad because if I dont pay this, and since the accounts are placed in a legal department, I will get suit and due to interest and court fees the balance will increase. I am just asking for help to split this offer in payments, I am getting the money form a family loan but since XXXX pandemic started is hard to put together $ XXXX together and no one in my family have that money. But I already made the arrangements, and I can afford payments of {$800.00} per month. Even we can work all for in once.
Company Response:
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Starting back in XXXX : Midland Funding was calling me anywhere from 3 to 7 times per day trying to collect a debt I knew nothing about. They would call and ask for one name then call back and ask for another, then call again and ask for me by first name only. I had tried calling them and spoke to a woman that said she had nothing with my name through there company. and then again, phones calls were persistent for the next 3 years. I gave up answering and they never left a message. I only knew it to be Midland because I would call and ask who they were. All they would say is it was XXXX XXXX XXXX was the original creditor. I never knew to have an account with XXXX 's XXXX except for when XXXX XXXX XXXX XXXX had their XXXX XXXX XXXX through them ( to which that was paid with my IRS Refund ). As of XXXX, I stopped receiving calls because I had paid my phone service provider to have Elicit/Spam/Etc callers blocked. Yet for the last 2 years, approximately 4 times a year, I get a random bills in the mail, which I just tossed in the mail. To which I have provided them documentation that the debt was paid. I also filed disputes with all 3 credit reporting agencies that I am not responsible for this account, unknown collection. Midland only ever sent notices no proof of debt. How do I stop this? Do I need to hire a lawyer? If so, how do I get assistance to do so?
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
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: I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted. COLLECTION {$2300.00}
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: First I would like to leave clear that due to the impact of Covid-19 I lost my job and I have not been able to find a job while my husband hardly gets his hours for a part time job to work on his new job and the fact that our kids are taking school at home does not help even though we are getting help from local churches, food banks and even family members, our situation is still hard at this time as we both are slowly sinking into debt. The problem that I have with Midland funding is that I owe them the amount of {$710.00} which might seem like something small and easy to pay for the average person but the thing is that at this moment we can not pay the full amount due to our circumstances that we are going through and we are not sure if we are going to be able to pay it later on because like I said we are slowly sinking more and more into debt due to that we can not follow up with the bills even though we have already tried to reduce our expenses as much as we could. Me and some close friends that have been on this kind of situation have had a discount of more than 50 % but for some reason when my husband called Midland to see if they could help me somehow making me a discount for what we are going trough they just thought that it was ridiculous that we would think that we could get an offer under 50 % and they gave us the offer of 95 % in payments even though my husband had already explained her that he only had {$300.00} and was not sure if he could follow up with the payments because of our income and that we are slowly sinking into debt. We felt like we where taken as a joke and they did not care about of our situation at all as I heard on the call. For a moment there I was put on hold but the representative did not mute herself and I heard her to talking to someone else in what seemed to be her laughing at my hardship or my inability to pay. Im not sure if thats what she said but thats what it seemed like as she thought I was on hold.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: MIDLAND FUNDING ( MCM # XXXX ) CONTINUE VIOLATED " FDCPA/ FCBA '' WITH HARRASSMENT, THREATS AND DEMAND NOTICE FOR PAYMENT OF ID FRAUD ACCOUNT NOT MINES, ACCOUINT OUTDATED PAST CALIFORNIA STATE STATUE OF LIMITATION ( 4YRS ) OPEN ENDED / CREDIT CARD ACCOUNT HAS EXPIRED TO COLLECT ... NOTE : FORMAL COMPLAINT AFFIDAVIT FILED WITH XXXX CASE # XXXX, FTC CASE # XXXX AND POLICE REPORT FILED WITH " XXXX XXXX XXXX PD CASE # XXXX
Company Response:
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: My supervisor contacted me alerting me that a debt collection company has been calling repeatedly trying to reach me regarding a debt. They were told this is not allowed and it needed to stop. They did not. I called them and told them myself you can not call my job or I could get fired.They said they would stop but they havent. They still call all the time. The company in question is midland funding llc. I dont have dates because its been weekly for the entire year. They have my phone number and address on file but claim they dont.
Company Response:
State: IL
Zip: 60002
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputed derogatory in writing to XXXX who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Midland credit Management in excess of 90 days.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/20 blocked number MCM called my work XXXX I told this company they are calling me at work and I am not allowed to take personal calls at work. The woman on the phone kept talking over me. I repeated do not call me at work. Do not call me on this phone number, I can not take calls on this phone number. XX/XX/20 XXXX XXXX MCM Called and talked to two other employees here on XXXX. Asked if they were me and kept repeated they are on a recorded line.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A