Date Received: 2020-07-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Received a call from collections to my home phone where the information of alleged debt ( amount, dates acquired, etc ) were discussed with someone other than me.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Attention : XXXX XXXX Re : Midland Funding LLC Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the XXXX XXXX statement showing it was going to a TX address. I live in NM! I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. The original application should have never been approved as the address clearly didn't match my address on my credit report. This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts. As a result, I have filed a police report. See attached. I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the XXXX XXXX bill showing an address that is not mine.
Company Response:
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i recently went online a obtain a copy of my 3 credit reports and noticed accounts i did not authorized.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a Midland Funding approx XX/XX/XXXX rcvd. Account records sold to them This is where the injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to XXXX XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. XXXX XXXX XXXX. To appear in court. I have been paying XXXX a month to XXXX for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. XXXX was.not even aware of XXXX XXXX. Therefore Midland Funding was not even one ta! ing me to coudt.
Company Response:
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I called to receive a validation letter that this debt belonged to me and they refused to send it. They said they would send me supporting documents but they would not send me a validation letter. This company is Midland Credit Management.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi CFPB!! Please forward the following documents to Midland Funding. I'm also including XXXX, since it is the only credit bureau that shows account. Thanks!
Company Response:
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a collection on my account from Midland funding, total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. Midland updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. I filed a dispute through XXXX on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Haven't received paperwork.
Company Response:
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Furthermore this account is over 2 years old and should no be affecting my credit but it does and its very challenging to get ahead with something so old on my credit history. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I submitted a complaint with CFPB regarding an old XXXX 's account where debt collectors on a debt over 10 years old have continually called and several collectors have sworn at me on a call, and one telling me to " not open credit cards if I can't pay the bill. '' In the complaint response, XXXX stated the account had been sold to Encore Capital Group and their contact was XXXX.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A