Date Received: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment etc. This account is affecting me getting a home for incorrect information. Please help. I disputed this with the original creditor and they told me the account was sold to Midland Credit and that is who I also settled the account with. I would like this account removed like the other ones I paid off with the same company. Midland Credit keeps saying it belongs to XXXX XXXX and they replied saying it belongs to Midland Credit. I just would like the account removed because it has been paid and the info On my report is incorrect.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX day while shopping at XXXX an employee at the customer service area approached me about a credit card XXXX & XXXX, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by XXXX meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at XXXX that day, plus more as I was receiving harassing phone calls from XXXX stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what XXXX stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from XXXX stating that they sent the credit card to my address and that it had been returned which I never knew until receiving XXXX 's letters that XXXX attempted to send me a credit card twice and they were returned. I told that XXXX rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that XXXX is charging me was not an amount of purchased items as I paid my one time shop spree with XXXX 's temporary paper slip, so my question is why is XXXX stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is XXXX continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called XXXX to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that XXXX attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$19000.00} to be paid via check for 19 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress.
Company Response:
State: MD
Zip: 21244
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: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have reached out several times to try to get this company to update the balance on the account to match the amount awarded in the judgement so that I can pay it off. The company claims I still owe the original amount. If I call, the representative is rude. If I reach out via email they do not respond. I am at my wits end and have contacted an attorney at this stage but thought it would be good to lodge a complaint as well.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I called this midland credit to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. California. I offered {$25.00} a month and then in 3 months {$50.00} a month and in 3 more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notice dated XX/XX/XXXX, from a XXXX XXXX, XXXX that a Judgement Creditor of Midland Funding LLC had a judgment against that I was ever contacted about as I was proved any documentation that I was to appear in court. I am a father of XXXX kids and during COVID19 I was unemployed for months. Thank go my landlord was nice enough to understand that I could afford the rent and now that I am back at work and I owe back rent to my landlord I can not afford at this time were so many people are faced with daily obstacles that place them on the border of being homeless afford to have my check garnished, especially for a judgment I know nothing about. This is horrible that this is happening. I will be going to XXXX XXXX XXXX and requesting that I be provided more information. My community is in the red hot zip code area for high XXXX cases and my kid 's school was shut down to have to deal with this is really unfair. Everyone in the country knows how this virus has affected people and to start garnishing people checks who can barely put food on the table is horrible. Please help me to understand what is going on. This is really unfair I ever received papers to appear in court on XX/XX/XXXX this is over five years ago. This is horrible that given what I have gone through being unemployed to now be threatened that a creditor who I have no idea who this creditor is, Now is garnishing my check is really inhumane and I was not informed is disgusting I have no idea to what is going on and I was ever informed that I was to appear in court back in XXXX no papers were send to me.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX/midland funding XXXX XXXX XXXX letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report
Company Response:
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in XXXX.
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A