Date Received: 2020-07-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from Atlantic Credit and Finance , Inc in XX/XX/XXXX about an old XXXX account. I called the number on the letter to inquire about the details and discuss the matter. The first person I spoke to was unable to find any information and told me he could not find any record of this account. He gave me a different number to call. That person was also unable to find any records or information related to the account. He gave me a different number to someone else who could not find any information, even when I provided information such as my name and social security number. No one would talk to me. I did not know what to do. I then received a different letter on XX/XX/XXXX from Midland Credit Management about the old XXXX account. This letter was dated XX/XX/XXXX, although I received it almost a month later, which is quite suspicious and deceptive, because the letter demanded payment by XX/XX/XXXX. The fact that they backdated the letter eliminated the time I am allotted to make a written request for validation and further information about the debt. The actual XXXX account, as given on the letter, has a Charge-Off Date of XX/XX/XXXX, exactly 7 years ago. I am aware that this is past the 4 year Statute of Limitations in my state. On XX/XX/XXXX, I received a bizarre text at XXXX XXXX from a stranger, with a random name, from XXXX XXXX trying to ask me about work I did many years ago and asking about credit card payments. When I researched the number online, I found that it was reported as Midland Credit Management. This is manipulative and predatory behavior. They would not talk and communicate with me when I genuinely tried, they have misdated a letter, and now they are pretending to be someone else and texting. I do not trust talking to them on the phone, but I do not know what to do. I have no savings or assets. I only have enough for my rent. If they continue this behavior, the only solution I can think of is bankruptcy. There should be more legal protection from these deceptive practices.
Company Response:
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Hi, my name is XXXX XXXX a XXXX XXXX guy. The reality is that these companies take advantage of the ingenuity and youth to be offering you credit cards every time you go to pay I remember that whenever you go to pay they tell you that you have a discount if you apply to the card, cards that when you are studying clearly in this he is studying to get into debt and then damage your credit for the future for this reason these debts that I have in collection are from credit cards since my car pays it daily, clearly these cards wanted to harm my future and they did so now I am XXXX I would like to restore my future and I want them to investigate the practice they did when I was younger to persuade me and profit from it.
Company Response:
State: PR
Zip: 00659
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XX/XX/XXXX I was sue by Midland Credit Management for a credit card. The judgement was ruled in their favor, I contacted the company after I received my documentation from the judge to set up payments at what I could afford. The phone calls started XX/XX/XXXX - was informed they did not have the paperwork from the judge and to call back in two weeks. I attempted these phone calls again on XX/XX/XXXX and XX/XX/XXXX and was still told the same thing. I informed them that I would be going on maternity leave and would call back in XXXX to set the payments up. On XX/XX/XXXX, I called Midland and learned they were charging me a 6 % interest that I was not aware of by anyone or have any type of documentations stating that I would be charged this interest. Contacted the judges office in which they stated the amount on my paperwork from them is what I am to pay back. I went back and fourth with this company from XX/XX/XXXX to XX/XX/XXXX in regards to the interest. They refused to allow me to speak to their legal time, told me I could e-mail them. I e-mail the address they provided and got an e-mail back this e-mail stated that I can not e-mail them because I am not apart of their approved group. I called Midland again on XX/XX/XXXX to inform them of this e-mail and kept going back and fourth, spoke to manager by the name of XXXX XXXX to which she would not listen to anything I had to tell her, but said she would contact the legal department. On XX/XX/XXXX I spoke to XXXX again and she stated they are putting my account at the judgement amount. I told her I would like to set up payments that I can afford. She told me their polices were that I first would have to pay a down payment of 50 % and then they will do monthly payments. I first told her I wanted documentation stating that I was required to pay this, she said they did not have any. I told her I could not afford this and told her what I could afford with the possibility of paying more BUT I did not want to commit to a higher amount. She refused the amount I told her I could afford and kept telling me their policies and requirements are a down payment first. When I asked several times to see these policies and requirements, she just told me it is all internal and I said then how do I know you are even telling me the truth. I asked several times for paperwork and she refused to show me any of time of policies or requirements or even tell me where I could go to online. When I told her that I would just mail in what I can afford monthly, she informed me that they will post the amount towards my account but will probably sue me again for the judgement amount because they do not have an agreement for because she refused what I could afford at this time. I asked to speak to someone higher up then her and she said her Boss was not available and I could call back later to speak to him/her and then hung up on me.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Recently received a letter from Midland Credit Management , Inc, in regards to a debt that is not mine and never known to me. Send company a Validation letter on XX/XX/2020. Please help.
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2020 XXXX XXXX XXXX won a judgement against me in the name of Midland funding LLC in the amount of {$810.00}. I submitted that my only income is supplemental security income and child support. These financial documents was submitted to the court and a copy was given to XXXX XXXX XXXX on behalf of Midland funding LLC. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX threatening to garnish my supplemental security income and child support for the amount of {$880.00}. I tried to work out a {$10.00} a month payment plan with XXXX XXXX XXXX on behalf of Midland funding LLC as my only income is supplemental security income and child support. XXXX XXXX XXXX denied this payment plan and proceeded with sending threatening letters to my home stating that they would freeze my bank account if I did not work out a payment plan with them. The letter states that if I do not agree with Midland funding LLC payment arrangement that XXXX XXXX XXXX on Midland funding LLC by half will elect to proceed with further collection efforts to collect the debt. I called XXXX XXXX XXXX office and spoke to someone in their collections department. I let them know that my only income was supplemental security income and the representative wanted a copy. I told the representative that I have filed all of my financial documents with the court and that Midland and XXXX XXXX XXXX XXXX XXXX all have copies of those documents. The representative then asked me to send a copy of my financial documents and I decline, politely and stated that I have submitted the documents with the court and that I have requested the same court documents from Midland funding LLC, which I received. And that if she needed these documents that is home she needs to request them from. I then asked the representative will you be gone fishing my Social Security and child support checks? And the representative said we haven't gotten to that point yet but that might happen if you do not agree to our payment plan. XXXX XXXX XXXX and Midland funding LLC is legally aware that my only income is supplemental security income and child support as I file the documents with my local court system and gave a copy of these financial documents to the lawyer representing XXXX XXXX XXXX XXXX on behalf of Midland funding LLC. Midland funding LLC has also, in the past, sent threatening free legal notices to my XXXXXXXX XXXXon. In ruse to get me to submit and use my social security income and child support checks to repay the Judgment they want against me.
Company Response:
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/2020 XXXX XXXX Midland Credit Management called me at work. I do not believe I had listed my employers number on any applications in the last 10 years so I was very surprised to have a call of this nature at work. I have in fact marked any and all boxes stating my work can not be called. I told them they can not call me at work, ever and in our state it is in fact against the law. he argued with me and told me that is untrue, and harrassed me to stay on the line with him. A coworker witnessed my end and went into managements office to report me. It is against company policy to receive phone calls of this nature and in my job position debt collection calls jeopardize my employment. Harassment from debt collectors has a zero tolerance. The company I work for will not only remove me from my position but will also initiate a lawsuit against the harassing agency. NEVER have I granted any agency permission to call my work.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management , Inc. is threaten to sue be for a debt they have not verified. Their correspondence is dated XXXX, 2020 and I received it by XXXX XXXX on Monday, XXXX XXXX. Fraud using dates that make it appear they sent nofication before consumer actually received. Their letter states to call no later thank XX/XX/2020 when letter was received XX/XX/2020
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Last XX/XX/XXXX was the last time that I told with Midland Credit, so the same day we have to do a complaint with the CFPB for one the account that we have with them ( complaint ID # XXXX ), and CFPB resent it to them, the same day on XX/XX/XXXX. Also, on XX/XX/XXXX they put in my credit report again that I owed {$23.00} to them, even they knowing that my wife told them the same day and XX/XX/XXXX that the check was for more amount that the payoff, that they also have to pay us the different, but they still don't want to find the copy of the check and see the account of the Bank to see that she was right, too difficult for them. Today, Sunday XX/XX/XXXX, seems that in an act of revenge, and very strange that they did it on a Sunday, this company, now with the name of Midland Funding, and with all the bad intention, and any excuse, wrote in my credit report " A Mayor Derogatory Status ''. This usually means that no payments have been made to a past-due account for 120 days or longer. In the last complaint that I mentioned, we added all the documents that we prove that we paid off XXXX XXXX, we asked for the money that they owed to us for the different of the check that we paid for more, and the letter of pay off. The other account that they have in my credit report we pay off in XX/XX/2020, with the same Company, and is for XXXX XXXX for {$340.00}. In fact, we received a check for them with a date of XX/XX/2020, as a different that we paid more again. In another hand, in my credit report they have these two accounts with a schedule in where you can see all the payments history reported for them. In summary, we pay off both accounts, they still keep them in my credit report, they don't send the letters of pay off, they didn't send me the different amount in my favor for my first complaint, and now as a damage badly my credit with a really bad intention they put in my credit record this serious mayor derogatory. It is illegal and unfair, just because I did my complaint, which is my right and true the last week, and they received it already. They do not want to correct all these disasters, just want to still do things wrong. Further, I am disappointing and worry about how this Company is doing all this, because affect me and the payments of the Original Creditors : XXXX and XXXX XXXX. We did in XXXX a loan to clean all our credits, and this Company just think in damage forever our credit, and no fix the big problems and economic disorders that they have in their accounts, and paid the original creditors on time, they are with the Mayor Disorganization Status in their financial NO me. If they put on XX/XX/XXXX that the account of XXXX was not paid, why today they put this " a mayor derogatory status '? if BOTH accounts are payoff? Is clear. revenge and but intentions. As well, seems to me, that this company has a serious economic problems, is not honest or something is going on in their departments, so I want to solution my credit reports and accounts to this problem and NO true statement in my credit report will be investigated. I would like to know if it is revenge for the company, the employees or both? The only what I know is that all this situation that we have not paid if FALSE, VERY WORRY and UNPROFESSIONAL. I added all the information that I see today in my credit report, support documents, as the check that we received of Midland Credit on XX/XX/2020 for the different that we paid off for more that the total amount that we owed, for XXXX XXXX for {$15.00}. Finally, I want an investigation of my two accounts, and clean immediately all in my credit report.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Last XX/XX/XXXX was the last time that I told with Midland Credit, so the same day we have to do a complaint with the CFPB for one the account that we have with them ( complaint ID # XXXX ), and CFPB resent it to them, the same day on XX/XX/XXXX. Also, on XX/XX/XXXX they put in my credit report again that I owed {$23.00} to them, even they knowing that my wife told them the same day and XX/XX/XXXX that the check was for more amount that the payoff, that they also have to pay us the different, but they still don't want to find the copy of the check and see the account of the Bank to see that she was right, too difficult for them. Today, Sunday XX/XX/XXXX, seems that in an act of revenge, and very strange that they did it on a Sunday, this company, now with the name of Midland Funding, and with all the bad intention, and any excuse, wrote in my credit report " A Mayor Derogatory Status ''. This usually means that no payments have been made to a past-due account for 120 days or longer. In the last complaint that I mentioned, we added all the documents that we prove that we paid off XXXX XXXX, we asked for the money that they owed to us for the different of the check that we paid for more, and the letter of pay off. The other account that they have in my credit report we pay off in XX/XX/2020, with the same Company, and is for XXXX XXXX for {$340.00}. In fact, we received a check for them with a date of XX/XX/2020, as a different that we paid more again. In another hand, in my credit report they have these two accounts with a schedule in where you can see all the payments history reported for them. In summary, we pay off both accounts, they still keep them in my credit report, they don't send the letters of pay off, they didn't send me the different amount in my favor for my first complaint, and now as a damage badly my credit with a really bad intention they put in my credit record this serious mayor derogatory. It is illegal and unfair, just because I did my complaint, which is my right and true the last week, and they received it already. They do not want to correct all these disasters, just want to still do things wrong. Further, I am disappointing and worry about how this Company is doing all this, because affect me and the payments of the Original Creditors : XXXX and XXXX XXXX. We did in XXXX a loan to clean all our credits, and this Company just think in damage forever our credit, and no fix the big problems and economic disorders that they have in their accounts, and paid the original creditors on time, they are with the Mayor Disorganization Status in their financial NO me. If they put on XX/XX/XXXX that the account of XXXX was not paid, why today they put this " a mayor derogatory status '? if BOTH accounts are payoff? Is clear. revenge and but intentions. As well, seems to me, that this company has a serious economic problems, is not honest or something is going on in their departments, so I want to solution my credit reports and accounts to this problem and NO true statement in my credit report will be investigated. I would like to know if it is revenge for the company, the employees or both? The only what I know is that all this situation that we have not paid if FALSE, VERY WORRY and UNPROFESSIONAL. I added all the information that I see today in my credit report, support documents, as the check that we received of Midland Credit on XX/XX/2020 for the different that we paid off for more that the total amount that we owed, for XXXX XXXX for {$15.00}. Finally, I want an investigation of my two accounts, and clean immediately all in my credit report.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A