Date Received: 2020-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX ) method of verification ; because I dont believe the investigation Is being conducted in good faith. MIDLAND CREDIT MANAGEMENT - ( {$2600.00} ) XXXX XXXX XXXX XXXX - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am disputing the debt as reported by Midland Funding for {$6000.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. Documents of proof have never been provided to me and the reason is, they do not exist.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2020 I am disputing the debt as reported by Midland Funding for {$630.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. Documents of proof have never been provided to me and the reason is, they do not exist.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I sent Midland Credit a letter asking for information on this debt along with a signature showing this debt to be mine. I explained that this debt I contacted XXXX XXXX XXXX in XXXX and filled an insurance claim for the loss of my job. I asked them why they have it when XXXX XXXX was supposed to have been getting the minimum payment dues. They could not explain that and then told me to contact XXXX XXXX which I have tried to do to ask why my insurance has not been paying the minimum bill and keep getting sent back to midland. So while talking to a manager at midland she pretty much asked me why I was a piece of XXXX and didn't pay the bill and why I didn't feel bad not paying my debts then told me it didn't matter why I lost a job I should work anywhere to pay it. I tried explaining I had a loss of income and couldn't pay it she then told me that they would be reporting this showing negative and it would ruin my credit to get rental housing or credit with any company until I did. I have requested documents showing the insurance was not paying the balances, I have requested in writing from XXXX XXXX a reason for my insurance not making minimum payments and keep being told to deal with midland credit that they can answer it. Midland says I owe XXXX but 1 phone conversation with XXXX XXXX told me that midland purchased this debt for {$100.00} and should not be asking for {$910.00}. I then requested all documents of purchase and who sold the debt including who at XXXX XXXX they contact with this debt and only receive the bills which I believe are wrong.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company midland funding have reported a collection charge to my credit report and i have never gotten any letter or any attend to collect this debt, i tried multiple time to contact them to resolve the issue and find out where this debt came from but it seem like they have no idea neither or have any information they can provide me, i gave them my cell number my social security number to retrieve the account in question in their system but nothing come out according to them instead they tell me it maybe in a different department and they provided me with a few different phone numbers and when i call those numbers its the same no one seem to know or cant find this account, im in good faith trying to resolve this issue so it can be remove from my credit report but no one can help me im desperate to get this fixed, i even tried disputed it with XXXX and XXXX but nothing happen please help.. here is the collection company information.. Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Contact XXXX
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Much of the earlier responses were inaccurate because I didn't have a great options. My complaint is against : Midland Credit MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX According to my recent credit report, they have pulled my credit 12 times between XX/XX/XXXX and XX/XX/XXXX. I believe this to be excessive, invasive, and also damaging to my credit. I owe them {$1200.00} from a XXXX XXXX Account ( XXXX XXXX XXXX installment ). I am trying to repair my credit - about {$30000.00} in collections. They are the ONLY company to have pulled my credit more than once over this time frame. I owe XXXX XXXX XXXX over {$15000.00} and XXXX XXXX XXXX only pulled my credit once ( very fair ). If there is no limit on how often they can pull credit, I can understand. But this seems beyond excessive compared to every other company that I have business with.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2020 Midland Credit Management Received a Pre-legal notification today from above debt agency. Called to request a validation letter. Spoke with XXXX XXXX around XXXX. When I requested the letter he told me that they already sent out the validation letter in XX/XX/2020. Explained to XXXX XXXX that I never received the letter. He then asked, How is it that you recieved this notice but not the validation letter? Advised that is the question for the US Postal service. I do not control the mail. I asked again for them to send me the letter, because I need proof of the debt. He stated they can not send it to me because they are only sent out once. Advised again I need proof of debt, i.e original contract, proof of billing and credit. He said they can not send it. I advised I will send my request in writing and they have 30 days to provide me what I am requesting. If nothing is provided in that time frame, I will consult my attorney for guidance. XXXX XXXX stayed he will note that on the file. The call started off rocky, he was trying to force me to verify information I was not willing to verify. Address- I stated that is the address on the notice that I recieved. We ended the call.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My Name is XXXX XXXX XXXX. i live in XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXXSome one stole my identity and opened a credit card account with XXXX XXXX while he used my information using different address than my physical address. Accordingly, I received a court not by mail. The XXXX XXXX credit card company referred the case to a collection company. I called the collection agency to dispute the claim while the asked me to file a police report and file a complain using FTC.GOV.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent request for validation of debt and method of verification MIDLAND FUNDING : XXXX They have never sent any information support this debt and it's not mine.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Midland Credit Management , Inc. based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX company makes it very difficult for consumers to call and settle debt accounts. The employees at Midland Credit Management are very rude and talk over customers. Company lacks compassion when dealing with customers during this difficult time of COVID19. Midland Credit Management wastes consumers time by having inordinate hold times. I made an arrangement to settle my debt with a payment plan on XX/XX/XXXX and the account manager XXXX XXXX made it sound very easy to call and make a payment going forward. I called today XX/XX/XXXX with plans to pay off the account and it took approx 45 minutes for me to reach XXXX XXXX in order to have a payment processed. I tried to have the supervisor XXXX XXXX process my payment and he said that he was unable to and that I needed to speak with XXXX XXXX. The company transfers consumers all around their office forcing consumers to have to give their name, account number and other personal information to repeatedly verify the account. Every time you are transferred to a new person, the new person asks for you to verify your information all over again including account number, name, and other PII and they again say this is an attempt to collect a debt. When I was speaking with XXXX XXXX today and he mentioned he could not take my payment then the call was disconnected. I called back and spoke with XXXX XXXX XXXX from the office in XXXX and he talked over me and then told me that this call is going nowhere as I had asked him to please transfer me to XXXX XXXX as the call was disconnected and I had already verified my name and information with at least two reps on previous call including the supervisor and the call went nowhere. After I advised that I would be filing complaints with FCC and consumer financial protection bureau, XXXX then said he would help me. He then said he would transfer me to XXXX XXXX as XXXX had texted him. He then said please hold and I will transfer you. I inquired as to how long I would be required to hold as I only wanted to make a payment. I then asked XXXX I thought you said you would help me. He then said that he had to transfer me to XXXX. Finally after being on the phone for over 40 minutes I was connected to XXXX and I made the payment to pay off and close the account. This company harasses people by even making it difficult for people to call in and make a simple payment. I have access to view the account online but customers are made to call in to be verified countless times, transferred countless times, talked over by rude workers all because we are trying to make a payment to settle the account. This is not right!! Midland Credit Management purchases debt for pennies on the dollar, outsources to XXXX so they can reduce operating costs, and then makes it practically impossible for a customer ( for lack of a better word XXXX to call in and make a payment. They hold debt over consumer 's heads and harass them by making it exhausting to make a simple payment! This company engages in abusive and harassing business practices. You can monitor any block of calls from any given day to see what I am talking about as I am sure everyone goes through this.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A