Date Received: 2020-10-13
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This company threatened with an lawyer review. I attempted to contact this company in XXXX of 2020 through contact via phone & later through certified mail. My attempts in contacting this company was met with a returned certified letter to my home address. Again in XXXX of 2020 I sent another certified letter to this company asking to verify & validate this debt. I have yet to receive any communication from this company in regards to my second letter for verification & validation other than the threat they send me with being sued. Actions they are willing to take include, but are not limited to : Obtain a lien against my property Garnish my wages or bank accounts Obtain information about my assets.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I received a text on XXXX XX/XX/2020 from XXXX that stated ETA : XX/XX/2020 between XXXX - XXXX. Documents at XXXX XXXX XXXX in XXXX XXXX. Signature Req 'd by XXXX XXXX. To reschedule and to make in voice XXXX current ; please contact account services at XXXX reply XXXX to stop. Neither me nor my partner live at this address, and further, fraudulent text messages stating documents will be received is false, misleading, and threatening.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do NOT have an account with this company. These people are trying to make me pay money that I do not owe.
Company Response:
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Getting the loan
Subissue:
Consumer Complaint: Midland credit funding has collection of XXXX from one of three credit loans that was taken out fraudulently. On XX/XX/2016. I had two security breeches that are one record I just found out this was fraud I never looked into my credit until now that I found out someone was taking out loans. I filed a dispute which I attached and my security breeches and my theft.gov report
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: MIDLAND CREDIT MANAGEMENT , INC. is being unfair and negligent. They are not respecting my consumer rights. I am demanding the following item to be removed from my 3 credit reports : Account number : XXXX Date Opened : XX/XX/2019 Original Balance : {$3400.00} I have suffered several damages in my credit score and personal life due to they're wrong reporting : 1. Unfair business practices. 2. Failing to mark account as disputed. 3. Re-aging account. ( Serious violation because it kills my credit score ). 4. Reporting incorrect activity and first delinquency date. 5. Negligence. 6. Failure to provide customer adequate customer service. 7. inconsistent report across bureaus. I have attached some documents. Please send it to the company. Thank you very much.
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XXXX XXXX, This debt collector contacted my employer through our XXXX phone number that is used for XXXX emergencies and XXXX XXXX. representative was told by staff members to please not contact this number for any personal calls but the representative insisted to speak to this person even after being told this designated number is for XXXX XXXX only. An office manager had to speak to the debt collector and repeated verbally once again to not use this phone number for anything personal, rep interrupted multiple times to insist it is personal but needed a message to be left. Office manager respectively told the debt collector once more she can take a message but to please not call this line. Rep insisted to speak to person in debt and was not listening to us. We are a business and only have 1 line for all our small business needs.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of this year I contacted Midland Funding about an account they are attempting to collect on. They responded saying they could not locate an account for me but asked me for additional information as you'll see in the attachment. I then replied stating I was providing them with the exact same information they gave to the credit reporting agencies because that is the information being reported by them. They received that notice by certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To this very day despite them not being able to locate the account they are still reporting this account to the credit reporting agencies and verifying it to be accurate.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a final payment agreement with Midland Credit Management ( MCM ) by making a payment of XXXX on XXXX from my banking account. They agreed that they would report to the credit reporting agency that debt was settled for less and closed. MCM has not upheld their agreement by reporting to the 3 credit bureaus correctly. I have copies of the letter. XXXX I contacted MCM to advise it has not bent properly updated. No one would assist. I reached out to XXXX reporting to them that the account read incorrectly and sent copies showing debt was settled. XXXX states they contacted MCM and was told that the XXXX balance was correct, account is still open and only updated the date of payment for the XXXX made on XXXX. I called MCM back because court records show that MCM closed to small claims court case on XX/XX/20 as a dismissal since payment was made and check cleared. Still no solution and my credit reporting is incorrect 4 months later. MCM viewed my credit credit report activity constantly and used that information to take me to court demanding payment for a file they purchased from another vendor. Called my line and sent numerous letters the least they can do is uphold their end of the deal and update my report to reflect the proper status
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: it was XXXX i went to XXXX . cashier told me it was big discount when i opened XXXX account. she told me a lot of things. and i open XXXX account. make short story i did not get discount. i used XXXX account and paid on time. one day i got mail. it showed me {$340.00}. i called XXXX. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX i got bill from midland fund. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Submitted a complaint via this site, company responded to call with any further questions, I attempted to call regarding account being paid in full but they will not speak to me via the phone. I submitted statement in writing requesting that they respond with information regarding receiving the full payment and a response to delete from credit file. That was mailed XX/XX/2020. To date, I have not received any response from this company and it is still showing on my credit report as not paid.
Company Response:
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A