Date Received: 2020-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a credit card from XXXX XXXX XXXX XXXX XXXX # XXXX. Because of my financial hardship, I stopped the payments of my credit cards in 2018. This yrs I am working so I called my credit banks to make some payment of my card debt. It was sold to Midland Credit Management. I made an arrangement agreement for the amount I can afford until it's paid in full. They also mentioned that I owed {$340.00} in the other card account from the same bank the XXXX. I said right away that isn't mine because we already discussed the payment on the card that I owed. I only have one account with XXXX XXXX XXXX. I disputed that one. They said they will put in dispute. Last XXXX, I got another letter and a statement of the credit card I signed the form disputed and mailed back to them. I got the same statement from the same card today. I called and I told the female Rep. with XXXX accented that this account is not mine why would XXXX XXXX XXXX give me two accounts? I mentioned that more often when a card is compromised the credit card companies will be closed the account and issue a new one. But I only have one account with XXXX XXXX XXXX. She then told me that since you were disputed this charge that you need to provide me a copy of a police report that I disputed this account. I am not going to waste my time going to the police Midland Credit Scamming me and I am the one who provides proof of the card account that isn't mine. This company makes me angry stressed out and to waste my time and energy for talking to them, I am working to pay for the bills that I owed. Someone has to stop these people from committing this kind of fraudulent activity consumers and how many of us never report them like I am doing now.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: What happened? I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the XXXX, XXXX, and XXXX toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX XXXX account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt Midland Funding bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the XXXX Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a penny out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 1. Midland Bank XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 3. XXXX XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4. XXXX account closed no late payments XX/XX/2020 5. XXXX XXXX XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report
Company Response:
State: AZ
Zip: 85629
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: They have sent me letters stating that they will start a lawsuit against me after I sent them a debt validation letter that they have not responded to, which they are legally obligated to respond to, ( Letter arrived XX/XX/2020 to their main office ). They've also harassed my sister, calling her with MANY numbers. The letter is dated XX/XX/XXXX, it is XX/XX/XXXX and they're only giving me until XX/XX/XXXX. The last letter was marked XX/XX/XXXX and I only received it XX/XX/XXXX VIA XXXX and they wanted a payment in FOUR DAYS that I couldn't afford because of the current pandemic.
Company Response:
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not have a the opportunity to dispute the following account : MIDLAND FUNDING : XXXX. I was unware of debt. Please provide validation of debt and method of validation.
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XXXXXXXX XXXX sold our account to Midland Credit Management. Midland credit management has sent out a server with legal documentation. The woman serving the documentation refused to wear a mask, threatened to disclose my personal information to our neighbors as she screamed and waved the documents in my front yard screaming Im being sued and my entire name. The woman perverted to curse at me as I spoke threw our speaker camera system, threatened me that she was going to continue to display erratic behavior and let everyone know my personal information. I have called Midland Credit Management multiple times regarding this matter so they are aware. The woman stated my information, account owing, everything has been recorded and I have the live camera footage.
Company Response:
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2020, I disputed a negative item on my credit report from Midland Credit Management and this agency has failed to provide me with accurate validation. On XX/XX/2020, I filed an second dispute since this company failed to provide me accurate documentation on the account that they say I owe them. On XX/XX/2020, I spoke with a representative from this agency who informed me that they do not have to give me any documentation. This company is fraudulent reporting negative information to credit bureaus and do not have proper documentation while reporting fraudulent information. By this company reporting fraudulent information this is hurting my credit score and it is hurting my repetition with creditors. All three credit bureaus are reporting in accurate information on my credit report and this company re-age the account every month with credit bureaus. ( XXXX XXXX, XXXX and XXXX ) I have disputed with the credit bureau but they are not properly investigating my dispute.
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off my balance, with the agreement XXXX XXXX XXXX would report to all credit bureau. They report to only one. The account was resolved. They promise they would report, I'm unable to obtain credit because they failed to report to all credit bureau.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A