Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following accounts are an result of fraud. I have no knowledge of these accounts. XX/XX/2020 Midland Funding Original creditor XXXX XXXX XXXX {$710.00} XX/XX/2020 XXXX XXXX XXXX XXXX creditor XXXX XXXX XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX {$1400.00}
Company Response:
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020, I established a settlement amount with Midland Credit Management to pay off my debt for a lower balance of {$1900.00}. This settled and closed my debt. Today on XX/XX/2020, I received lawsuit papers at my old address stating that they were suing me due to not paying the debt. However this paper was dated on XX/XX/2020. I have both bank statements, proof of closed debt account on their website and a new settlement amount confirmation sent by Midland Company. I am unsure what to do about the lawsuit, I dont want to pay for a lawyer to defend a debt that is already paid.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I was threatened to be sued and put in prison for things that I have no hand in. I shouldn't owe anyone anything. I have been hassled for at least 4 years for loans that were taken out by my ex wife.
Company Response:
State: SC
Zip: 295XX
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: 2020-07-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Cease and desist sent XXXX XXXX, 2020 and certified as delivered to debtor on XX/XX/ 2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I owed XXXX on a credit card debt to XXXX XXXX. I called Midland funding in XXXX XXXX on XX/XX/2020. We agreed to settle for XXXX dollars. They accepted the ach that day, it cleared the next day and they lowered the reported balance to all three bureaus within a week. The XXXX remained. I called the the end of XXXX they said they would report it XXXX balance. I called in mid XXXX, same thing, nothing happened. I called on XX/XX/2020 and they assured me they would have it removed in days not weeks. It's there and I'm astonished. It's the last adverse item on my report. I think I'm entitled to some movement after 60 days this. Thank you for your attention to this.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I know that XXXX is medical billing credit card. However, I do not know what services were provided, when services were provided or to whom services were provided. Midland Funding has NOT to date sent me any and all monthly billing statements for my review. Midland has NOT to date sent me any and all information to review that proves that this debt is mine. Midland has reported inconsistent and incomplete information on my XXXX credit file regarding this account. Please tell me what services were provided to the individual on this account to bring the total to current amount. Please tell me when this account was opened, the payment history and what is the date of the first missed payment. Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. Please provide documentation that shows Midland is authorized to collect this debt. If this information can not be provided for my review, this account should not be reporting on my XXXX credit file. Failure to provide me this information is a violation of my rights. Please either provide the information that I have requested or immediately have this account deleted.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management has sent out letters to collect a debt in the amount of {$4700.00} for XXXX XXXX but I didn't authorize nor give consent for Midland Credit Management to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
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: In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX and XXXX. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by XXXX. Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact XXXX and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company Midland Funding LLC is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with Midland Funding LLC and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX. He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that Midland Funding makes him do that to people. He told me that Midland changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. Midland violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I paid my debt as requestedXX/XX/XXXXand was told that my account was satisfied and closed by Midland Funding ( the legal subsidiary ). When I called to check on my account with Midland Credit Management ( the consumer support division ), I was told they had no record of my payment and it was " in another system. '' This is a situation where I have paid as agreed and they are sending me from one company to the next, playing hot potato with my attempt to clear my account and remove their trade line from my credit report - which they indicate they must do per their very own website policies. I can never get a straight answer from anyone, any time that I call, regarding how long it will take and what steps need to be taken other than a very broad " can take up to 30-45 days '' each step and " you must wait, thats the way things are. '' All the while, their employees and supervisors take a smug and arrogant attitude and pursue shame and guilt as tactics to give themselves some unnecessary space from answering the question at hand. The point remains that I have no debt with this company and they are in no hurry whatsoever to resolve my claim and clear my name. They are hiding behind technical incompetence and " the way things are '' as opposed to having a positive outcome with a client of theirs.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX our Bank paid off our loan with a check for {$460.00}, the amount that we owed was {$410.00} on XX/XX/XXXX when I called. In XX/XX/XXXX, I called them again because we were waiting for the difference of the refund for {$45.00} and the letter of the cancelation. Then, the manager of the floor told me that we still owed {$23.00} for a check that was without founds in the last months that the system reflect on XX/XX/2020, so that the total amount that we owed now was {$23.00}, so they had not a payoff in the account. I told him that even we called on XX/XX/XXXX to know the right amount, and now he said that we owed this {$23.00}, The {$460.00} check will be enough to pay it. Because even with this new amount for {$23.00} added to the {$410.00} the total new amount was for {$430.00}, so will be enought to paid with the {$460.00}, pay off, and still refund a check for {$22.00}. He told me that in the system they haven't this amount for {$460.00} just {$410.00}, I told him that I have the copy of the check fortunately, so he told me that I need to send to them by fax. I told him that if he give an email I will send it, but we don't will go to send it by fax because we have high risk health with the XXXX, and they have to investigate it. He told me that he will, and call him later. Today I call him again, and he didn't investigate anything, the other customer service that answer the call, he said that I need to send it by fax or they don't. First, what happen if I don't have the copy of the check? Second, I pay more that we owed, we did the pay off, and know they said that we owed, they don't want to send us the cancelation letter and investigated what is going on, and put us in risk. I can't believe that they don't have any form to see the copy of the check or ask for it. A manager can't do that? I told them that I will complaint with the CFPB, and the employee of today he told me that they have rules than protect them, but we the consumers also have protection. The protection 's rules of this Company don't incluide to write different amount for the original check, plus no be responsable for it. I want a professional answer, I want the pay off of our loan, the letter of the cancellation, and the different of the refund {$22.00}. The system that they have suppost that have a lot mistakes, because when I call on XX/XX/2020 has to be the information of this additional {$23.00}, because in their system it was reflect on XX/XX/2020, and they never told me nothing about this amount this day. All this inconvinience affects our credit, and plus now they want affect our health, just because their system doesn't works properly we have to expouse to the COVID19? XXXX
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A