Date Received: 2020-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : MIDLAND FUNDING. Balance : {$1600.00}. Date Opened : XX/XX/2018 Submit the information and identity theft report to report that this account is fraudulent. Send the claim by the Credit Companies like XXXX, XXXX, XXXX but I don't get any help. They know, I never live in the United States and just move last year to here.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company called twice today at XXXX and XXXX. I know this is against fdcpa rules. I have not spoken to them. I have not given permission for them to call my cell phone. They need to contact me by mail only.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: MCM has sent me a letter threatening to sue me for a creditor that I have never had. XXXX XXXX. Through out the letter they state that they are forwarding the matter to an attorney if I dont pay. From everything I have read this is illegal.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Funding has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.
Company Response:
State: WV
Zip: 25701
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.
Company Response:
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2019 I charged some items to my XXXX XXXX Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.
Company Response:
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated abusive phone calls by " XXXX '' with stereotypical white american names like " XXXX '' or " XXXX '' demanding money for a non-exsistent debt of {$580.00}. Lately they have been sending mailings demanding money to be sent to " Midland Credit Management , Inc at XXXX. XXXX XXXX XXXX XXXX, Ca XXXX ''
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management dba Encore Capital continue to call on a debt that was part of a class action suit for a payday loan. I received a settlement check for that and they insist that I owe the debt. I continue to receive calls and I sent over a fraud alert on my credit report due to reporting this on my credit report. This company is now texting and calling family for a debt that I do not owe. This is also past the statute of limitations of collections according to Colorado and Ohio.
Company Response:
State: OH
Zip: 44024
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management dba Encore Capital continue to call on a debt that was part of a class action suit for a payday loan. I received a settlement check for that and they insist that I owe the debt. I continue to receive calls and I sent over a fraud alert on my credit report due to reporting this on my credit report. This company is now texting and calling family for a debt that I do not owe. This is also past the statute of limitations of collections according to Colorado and Ohio.
Company Response:
State: OH
Zip: 44024
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted for the last 2 years for debt collectors, my family and friends too. they damaged my credit and all my financial services, in the past a I had debts but I worked with a company to paid and be free of that, but unfortunately this company keep doing the same
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A