Date Received: 2020-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Back in XXXX to XXXX I had adverse financial difficulties and I was not able to pay off my obligation to two debts those debts were adquired by another and anothe and posibly another company that bought those debs Now I need to refinance a car I purchased and they pay no attention to how I have been paying my debts for the pass 5 years instead they look only to those unpaid debts of years pass I believe that's an unfair practice that this financial institutions look at 8 years pass and not at how a person is financially performing at present and in the pass 5 years.
Company Response:
State: FL
Zip: 33016
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: 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 Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement 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: 2020-08-06
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 was given a summons for a debt that is past the statute of limitations and now being sued without knowledge that I was or could have been sued. I had already set up a payment plan and got served papers. Now I am feeling threatened and worried that my life and children 's will be ruined because of this. I am on a fixed income and do not know how I will afford any of this now.
Company Response:
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
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: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and Midland Credit Management Inc Address : XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Calls my phone numbers every few hours daily. They have called family members and neighbors. They have sent a mail regarding an alleged debt to a family member 's home address. They call from Arizona, via the phone numbers XXXX XXXX constantly. I have no signed contracts or dealings with this company at all. I never have had financial dealings with this company. I am not indebted to this company. I want an immediate to cease and desist. Do not call or send any letters to me or anyone they assume I know.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: There is an outstanding debt of XXXX owed to Midland Funding LLC. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to Midland to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. Midland has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( XXXX, XXXX ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to XXXX regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is currently close and this can put my credit in jeopardy.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: As I in the process to repair my credit, on XX/XX/2020, I contacted Midland Funding LLC at XXXX, located in XXXX, MI and debt collector, regarding to my credit card debt with XXXX XXXX on the amount of {$1100.00}. I was connected with Mr. XXXX XXXX, who introduced him as an Account Manager for Midland Funding LLC. We agreed to settle the amount due on the total of {$950.00} and paid on XXXX XXXX and was provided with the confirmation number of # XXXX. Mr. XXXX mentioned to that I will received a letter within 10 day as confirmation since they do not send emails as payment confirmations and the balance will cleared from my credit. On XX/XX/XXXX, I contacted Midland Funding LLC since I have not received the confirmation letter nor was the balance due cleared from my credit. I was told that the letter was " just generated and will be mailed on that week ''. As of XX/XX/2020, not only have I not received the letter, but the balance on the account still is on my credit. I feel that Midland Funding LLC has acted on " bad faith '' and has not kept their word on our agreement/settlement.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Midland Credit Inc. contacted my employer in XXXX looking to speak with me regarding a debt collection attempt, and have contacted my employer on other occasions as well.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I legitimately owed XXXX XXXX XXXX, FBO XXXX XXXX FBO of Midland Funding, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to Midland Funding 's attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 2. ) {$700.00} - Money order number XXXX. Was also sent to Midland Funding 's attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 XXXX I disputed this account stating I have no knowledge of this account and they sent a letter trying to get me to pay 10 % off
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A