Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX/XXXX, as well as, a collection agency by the name of Midland Credit Management , Inc . XXXX XXXX has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. The account ending in XXXX was paid in full several times, but XXXX XXXX kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. As my attached statement shows, I owed XXXX XXXX {$62.00} as my total balance on the account in question as of XXXX of XXXX. I made payments to XXXX XXXX in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. What XXXX XXXX has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. I would like the Consumer Financial Protection Bureau fully involved in my complaint, both XXXX XXXX, and Midland Credit Management can contact the Consumer Financial Protection Bureau, the Bureau can contact me. I want XXXX XXXX XXXX, and Midland Credit Management, to cease and desist from contacting me again, about their fraudulent debt. Midland Credit Management just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of XXXX XXXX XXXX without contacting me.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland Funding LLC has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, XXXX. XXXX reached out to me offering to settle the account. I paid XXXX {$520.00} on XXXX XXXX, 2020. I was told that they would notify Midland Funding who would then remove it from my credit. After a month I called Midland Funding to check the status and they told me that they had not received notice from XXXX that I had settled the account and that I should call them. I called XXXX to get the process moving and after 1 month and several calls I was informed by XXXX that they had given the information to Midland Funding. Midland Funding still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.
Company Response:
State: IL
Zip: 60172
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with XXXX XXXX credit card, and they are unreasonable, aggressive, and unrespectful. I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My husband received a call from a man who stated he was with Midland Credit. He did not ask who he was speaking too, just started rattling off information about an account that I, XXXX XXXX had. He never even disclosed his name. He told him last time I made a payment, and that I may have many options, and that if I don't resolve this matter, that they are going to send my account to an attorney and sue me. This call happened on XX/XX/2020. They never verified who the debt belonged too, they DID NOT read the mini miranda. They called from an unknown number. There phone number is XXXX. I realized when I went to their website I, have an account with them, but I received no calls and or letters. I have another account I am paying monthly with them. Not sure why they would call someone else and not verify who they were speaking too. I am willing to pay my debts but I will not be threatened and I feel my privacy was violated and they did not properly identify themselves or confirm who they were speaking too and advise this was an attempt to collect a debt.
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND Funding Is harassing me about a debt that is not mine I have already disputed this charge that is closed on my account but it needs to be removed immediately
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ON XX/XX/2020, I SENT 2 LETTERS TO MIDLAND FUNDING LLC CONCERNING SOME ALLEGED DEBTS OF : {$820.00} AND {$470.00} THAT I DO NOT OWE.THEY HAVEN'T RESPONDED TO MY COMPLAINT AS OF YET AND I HAVE ATTACHED COPIES OF THE LETTERS SENT.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I only used XXXX once and returned everything I bought using it. The company will not leave me alone and continues to mail me bills saying I owe them debt. I do not owe them anything as I have never used XXXX since I returned all of the items. I would appreciate if Midland Credit Management would stop mailing me bills saying I owe them money.
Company Response:
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this debt with the credit bureaus as well as the creditor. The collection company responded by saying they were unable to locate my account or any valid documents proving I owe the debt. If option is available I can send copies of my letters as well as the creditor 's letter. Would like this removed from my report immediately as it is damaging, against the law, and ruining my chances of getting approved for more credit. Thank you for your help in this matter, XXXX XXXX
Company Response:
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A