Date Received: 2020-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There's a charged-off XXXX credit card account account from Midland Credit Management appearing on my credit report. I haven't had a credit card account with XXXX in over 10 years. Therefore, this account has to be a product of identity theft.
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There's a charged-off XXXX XXXX credit card account from Midland Credit Management appearing on my credit report. I haven't had a XXXX XXXX account in years. Therefore, this account has to be a product of identity theft.
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX XXXX Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: {$860.00} XX/XX/2018 no notice of debt or verfication of account or debt.
Company Response:
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been trying settle with midland funding, they are unwilling to work with me. They are asking for full balance and they have even ask for my pay stub saying that want to set up a payments. I have told them im on SS. They keep giving me the run around about this and lying to me to try to get me to paid this in full. i should not have to go thru all this when im telling them what i can paid. Why do they did check stubs? they dont!. they are trying to garnish my wages and lying to me about it.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
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: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Midland Funding, XXXX ARE CALLING ME CONSTANTLY, VERY UNPROFESSIONAL AND DEMANDING WITH ABUSSIVE MANNERS THAT I PAY AND OLD DEBT. THEY MAKE THREATS TO ME.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2020 at XXXX XXXX, I answered a call that showed up as " Restricted '' on my cell phone. The person who called asked for " XXXX. '' I said I was XXXX, and he transferred me to another line. The person asked if I was XXXX. I said yes. At no time did he ask for my last name. After repeated requests for identification, he identified himself as " XXXX XXXX '' ( unsure of spelling XXXX from Midland Credit Management. He stated that there was a pending lawsuit against me regarding some XXXX credit card debt.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Funding is reporting a collection account from XXXX XXXX on my credit. I have never had an account with XXXX XXXX. This is fraud. I sent a dispute to Midland and asked them to send me something showing my information on this account. Midland refuse to send me anything, but they continue to report this on my credit. Midland is reporting on my credit that it is from 2018. There is no XXXX XXXX reporting on my credit with the original creditor. Only Midland is reporting this error
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A