Date Received: 2020-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: To Whom it May Concern : This is the second time I have had to report Midland Credit Management Inc. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. Midland Credit Management continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from XXXX XXXX. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the XXXX XXXX account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. As previously stated I have asked for documentation from Midland Credit for several months, providing details of the XXXX XXXXXXXX account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my XXXX XXXX from XXXX showing I was residing there from XXXX onwards. Midland 's practices are unethical and I am requesting this matter be addressed.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: One XXXX I received one of many calls from a representative from Midland Credit Management Inc.. Doing the last call the representative threatened I will be sued because i'm unable to pay a debt ; this wasn't the first time a representative from this company attempted this illegal tactic.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to the company on XX/XX/XXXX and I did not receive a response from the company until XX/XX/XXXX via CFPB. Per FCRA, the company had 30 days from my written request date to verify information. The company also did not send a copy of a written contract bearing my signature, therefore they have also failed to verify this information. The statement they sent me shows an unknown address that is not associated with me which shows that it can be another person with the same name. The company has violated two important FCRA laws, if the company does not comply with CFPB I will also file a complaint to FTC and XXXX.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a call from XXXX five days ago. Midland Credit has continued to call from this number. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. This company should be prevented from conducting any additional calls as this is now being harassment.
Company Response:
State: NC
Zip: 28328
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
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: Repeated threatening phone calls in 2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to 2019 or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.
Company Response:
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good Afternoon everyone ; listen, my credit report keeps showing that i have a debt with Midland MCM from XX/XX/2016. I believe this is an error because when i contested the debit with them and original creditor they mentioned that they have no record and they failed to provide me detail of the {$10000.00} alledged debt. It was removed and all the sudeen, i just refreshed me report and i found it again on my credit report.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
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: I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX on XXXX ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept XXXX XXXX account! I ll never have had any XXXX XXXX account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XX/XX/XXXX! Thank You! my daughter 's lab top has no spell ck, sorry! lol!
Company Response:
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/20 I received a call from your Midland Credit Mgmnt, a debt collector. XXXX stated it is a XXXX XXXX visa account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact XXXX XXXX The same day, I contacted XXXX XXXX and sent them a letter and to this date, have not heard back. Mid-XXXX, I received another call from MCM, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. We heard nothing until today. A call from XXXX XXXX at MCM. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. I am now frustrated beyond words and is requesting your assistance in this matter.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am being sued for {$2500.00} from Midland Credit Management for an account from the Original creditor : XXXXXXXX XXXX .I have recieved no phone calls about this account and i have changed addresses so i have not recieved any mail about this account.The first i heard about it was when i was served a court summons. I am living on XXXX payments and have no other source of income.I do not own a house or property and have no savings so there no way i can pay this.Now they sent me a court summons to appear in court on XX/XX/2020.
Company Response:
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland funding llc is trying to collect over 500 in debt that i have no knowledge of i have not signed any contract with Midland funding llc nor have i entered any contract with them nor any of there affiliates
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A