Date Received: 2020-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am an essential worker that works for a XXXX XXXX that is run by XXXX. Throughout, the pandemic I have reported to work every day and have been under a tumorous amount not working remotely, and ensure XXXX my XXXX were able to follow through on their remote working. I have not been able to take a vacation, as my employer does not like me so they are creating ways to make me quite or fire me. I have no choice given my situation and the pandemic so, I XXXX it up. I still have something to be grateful for as I work with wonderful people every day, and that makes up for my direct supervisor. So, as you can imagine when I received an email from my payroll department stating that as a courtesy they were emailing that as of XX/XX/XXXX, there has been a garnishment to my check. I was shocked and when I contacted payroll they provided me a number to call and said very ultimately given them your social security number and hang up the phone on me. I was speechless given what we are facing these days and no help with giving me any information. I contacted the number and that was even worst the person give me no information and why I was being garnished and yell you were served papers. I was never given any information and this is so horrible to know that this was happening and at this time when I am already hanging on by a thread and barely putting food on my table. I have no idea how much I owe or who I owe money to. I was then contacted again by my employer 's Human Resource department again and they stated to me that my garnishment is extra work for the payroll department and the agency applied for a grant. My garnishment is going to affect the agency 's finances. I was in total shock that I was being spoken to this way and that the agency I work for was treating me this way. I was then told that they will be letting me go. I am in need of help. How can given the state of emergency can Americans, especially essential workers who worked through this pandemic be informed in the middle of the uncertainty we all live in have a garnishment go into effect starting XX/XX/XXXX, given what is going on and be fired for this is just inhumane. I had to gather information from the XXXX County Civil Court to find out a judge 's decision that was made on XX/XX/XXXX that I was not mailed. I letter found out after reviewing my account on Midland Fundings LLC website that states I made payment to a debit that I still have not had verity on XX/XX/XXXX right before my court date in XX/XX/XXXX that I did not make but helps Midland Funding LLC keep this case open and false documentation of another payment dated XX/XX/XXXX, which makes no sense considering they have started a garnishment that went into effect XX/XX/XXXX. There is clearly false information that has resulted in the garnishment of a debit that is false. This has resulted in me losing my job. I am in need of help to find out who is garnishing my check and how can this be occurring during COVID19. How can my employer fire me for this? I guess this is how frontline workers are repaid for working through this crisis. If anyone can help me please contact me if you can help stop the recent garnishment that informed is from Midland Funding LLC after I did my research as I was not notified at any time by Midland Funding LLC. Thank you, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2020-07-22
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 am an elderly woman that is a victim of fraud. I temporarily lived with my daughter and her roommate used our information and stole from us both. I have received debt communication. I am on a fixed income and never used credit accounts.Please help me. I have tried to resolve this issue with the credit bureaus but that did not help. I am on social security and can not afford to pay a debt that i did not create.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit management has been calling me 2-3 times a day using a phone number from different states such as Arizona, California, and Michigan. They are spoofing their phone number.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Several attempts to pay account in full were made on XXXX XX/XX/2020. My first contact was with XXXX XXXX. I was transferred multiple times. I was given the number of XXXX which is incorrect and lead me to a telemarketer. Because of the harassment of being moved from call to call, being given the incorrect number and having multiple transfers and multiple agents for over four hours. I feel this is a harassment tactic.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Midland Funding LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. Rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$100.00} being that they paid XXXX on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have my identity theft report to midland credit Management and they are still attempting to collect Dept via mail
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
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 fraudulently trying to bill me {$5700.00} They sent me a letter. The MCM account number reflecting is XXXX I conclude this is identity theft or have me confused and mis-shuffled my Father who is XXXX XXXX. I called and spoke with reps. Made MANY attempts to remedy the situation to much dismay. Midland is known for taking on false accounts, and renewing fraudulent judgements which they did this to me using my fathers identity.THey served that at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't work there, my father does. These crooks make a living trying to collect frivolous money at the detriment of others. THey are investigated by the FBI and have been on the newspapers by journalists on Midland. THere main corporate I believe is in XXXX. THe office trying to bill account XXXX is in XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been a dedicated employee to the XXXX XXXX field for 27 years. Throughout, this pandemic I have been a frontline worker who workers with XXXX with XXXX XXXX. During this pandemic, you have become apart of the family some days when I came home you were the strength that got through many difficult times. So, I am writing to you for your guidance in a shocking situation that I was faced yesterday. Currently, as you are aware XXXX announced that Day Programs would be reopening and during my conference call on XX/XX/XXXX, with my co-workers I received an email from my employers ' Payroll Department stating that as a courtesy they were emailing me that there has been a garnishment placed on my paychecks that would go into effect on XX/XX/XXXX. I think you can imagine, how I felt what was going on. I immediately. found myself unable to breathe all I could do is cry at that moment and I am crying just writing this email. Due to shock, I am in that garnishment are being allowed, during this pandemic. It stunned me. I contacted my employers ' payroll department and was told to call the following number XXXX and give them the last four numbers of your social security number. I was shocked at the presentation from my agency 's payroll department given what frontline employers have been doing for the past five months, while certain departments were able to work remotely. That is another story as far as sensitivity that agency workers from other departments have for the agency 's frontline workers. So, I contacted the number that was given to me by my payroll department and I asked the receptionist what was the garnishment of a paycheck for. I have not been provided with any documents or notices. The receptionist yelled at me you were served paper, I responded not, during the pandemic and when I tried to ask questions she yelled at me and hang up the phone. I immediately broke down and cried all I could think about is how will I be able to support my household of XXXX XXXX and my husband lost his job, due to COVID19. I have no answers as my agency 's payroll department approach was just, so unapproachable given the fact this is a pandemic that has affected everyone finically they could have assisted me given what I was being informed. I know they are doing their job, but it could have been done with empathy or guidance. I have no idea who is garnishing paycheck and I really can not afford to have money taken out of paycheck at this time. I have no one to turn to as my agency is not approachable given how I was informed. What makes it worst I then received a call from my employers ' Human Resource Department where they stated that my garnishment has caused extra work for the payroll department and given the cutbacks in the field that has to be made that this is a hardship on the agency. I was stunned at this comment, given what I have been doing for the agency and I have no idea who is garnishing my check. I woke this morning and after contacting the XXXX County Clerk I realized that the garnishment was from Midland funding on an income execution that I was in court on XX/XX/XXXX. XXXX XXXX
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: An original account that I had through XXXX XXXX was purchased by Midland Credit Management Inc. who was their signee. Midland directed me to the Law Firm that they hired/retained as a debt collector. Upon multiple conversations both over the phone with the law firm and through email with the attorney for the Collections Department. The Law-firm agreed to settle the account in FULL and verified via email on XXXX XXXX2020 that my account " HAS BEEN CLOSED IN OUR OFFICE AFTER RECEIPT OF PAYMENT TO SETTLE IN FULL. '' The original amount owed was {$2700.00} and I counter offered, in which they counter offered and I agreed to their counter in the amount of {$2000.00} The part that I didn't notice was that they stated that there was a remainder of {$670.00} that was not paid. How can there be a balance of {$670.00} when I paid the agreed upon amount of {$2000.00} and they closed the account after RECEIPT OF PAYMENT TO SETTLE IN FULL? This is so deceptive I don't know where to start. I learned that this is not an uncommon practice for them after doing the research. I just want the balance removed from XXXX and XXXX reports.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A