Date Received: 2020-07-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company agreed not to contact me anymore via complaint through cfpb but have sent 4 letters and are still continuing to call. Please refrain from contacting me immediately!
Company Response:
State: TN
Zip: 381XX
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
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: 02740
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I contacted Midland Funding via certified mail about a frivolous alleged debt they are reporting a collection on my credit file to the credit bureaus. I requested that they send me documentation/contracts with my signature on it, To verify this debt is mines. The {$600.00} they say I owe is frivolous, I have never did any business with Midland Funding. After contacting Midland Funding about this matter twice by certified mail, I started receiving personal phone calls from their customer service agents early in the mornings and afternoons about this debt. Midland funding haven't provided me with any proof of documentations with my signature acknowledging that I have a contract with them. I never purchased or borrow anything from this company. This is a clear violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!!!!
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2020 Midland Credit Management sent a pre legal no it's threatening to sue my XXXX son. They have been sending pre-legal letters for the past seven months and threatening to withhold his social supplemental income check. Midland credit management is aware that people receiving social supplemental income is judgement proof, however that has not stopped them from threatening to sue my XXXX, XXXX son. This has caused for him to relapse in his mental progress as his XXXX and XXXX has gotten worse. However, Midland Credit Management does not care and have been putting pressure on our entire family. Midland Credit Management has already sued me, his mother, now they are threatening to sue my XXXX, XXXX son.
Company Response:
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
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: Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. We are happy to confirm that this payment settles your balance with Midland Funding LLC. Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. Thanks for working with us.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Attempted to settle debt with this company.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Attempted to settle my debt with this company.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt in Full with Midland Funding and i like the debt shown paid in full and this debt deleted from all three of my credit report.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I believe this place is the Midland Credit Management. They call back to back and do not leave voice mails they just call repeatedly. I answered one call to see who keeps calling and they hung up on me with no answer I block one number and they use a new number its a never ending cycle. They have multiple complaints online for using extreme harassment by non stop spamming calls and not leaving voice mails.
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted Midland Funding several times and they confirmed that this account was opened with an alias, not my name but refused to furnish me with the requested information from the original creditor so I can find out how this account was opened. I have disputed with the credit bureaus which state that Midland is verifying this debt but not supplying documentation for this " verification. '' I have requested several times : The identity of original creditor. An ORIGINAL copy of the contract between the original creditor and myself ; with my signature. The proper and legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ). Proof that you are licensed to collect debts in insert name of your state ; A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown XXXX Proof that you the collection agency are in compliance within the statue of limitations for the state of Arizona. Verification or copy of any judgment ( if applicable ). This company as well as the credit bureaus have refused to supply me with this information and it has affected my credit and ability to obtain needed credit. This company also has obtained verification of identity theft from the credit bureau.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A