Date Received: 2020-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management and I had a working relationship before COVID-19 hit. At this time I was looking to switch banks because my bank was not as secure as they claimed so I tried to contact them to ask if I could put my payments on pause while I rode out COVID-19 to seek employment and transferred my banks. They had no 'pause ' button for payments nor any option to seek a hold until I could get back to paying them once more, so I was forced to stop payments and figured I could simply resume when I was capable ( which California is still rocky on when things will be entirely reopened or back to somewhat normal ). As there was no way to discuss this with anyone online or to put a temporary hold on payments in any fashion, it was the only logical option I had. Keep in mind, I had made many payments to this account over the last year or so. My original balance of {$2300.00} ( {$2400.00} with interest ) has since dropped to {$1600.00} - so that's proof I've been paying off this debt as much as possible. Now, I got a letter today on XX/XX/2020 stating if I didn't pay the {$1600.00} due BY XX/XX/2020 then I would be sued by the company. Not only was I not home to make this call when their lines were open, for personal reasons, but there was no way to leave a message to dispute this lack of warning and threat of a lawsuit because their 'voicemail inbox is full '. So I was not given a warning that led to this legal action, I was not given a validation notice, an ability to respond in writing nor any notice leading up to this but I was also not capable of calling to dispute. All of which are illegal, if I'm not mistaken. To top that off, my past payment history is not available on MCMpay due to me having to cancel payments - I'm sure. Which means I can not provide you with any receipt of my transactions because they are with my old bank and MCMpay has erased them as if I never made them.
Company Response:
State: CA
Zip: 95341
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They called my family members threatening to sue me without ever contacting me.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2020 I received a letter from a debt collector XXXX Midland Credit Management , Inc ) alleging I owe XXXX XXXX, issuer of the XXXX XXXX Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above XXXX ) and would not want to jeopardize it in any way. I contacted XXXX XXXX to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call Midland Credit Management Inc., and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.
Company Response:
State: FL
Zip: 33184
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have mailed and sent Equifax copies of the court dismissal paperwork of the debt I supposedly owed to Midland Funding. The paperwork clearly states the companies name, Midland Funding and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: on XX/XX/2020, I sent a validation letter on XX/XX/2020 @ XXXX XXXX my letter was received by the company. the letter states " If you fail to respond to this letter within 30 days of receiving it all references to this account must be deleted and completely removed from my credit file and a copy of such deletion requests shall be sent to me immediately '' on XX/XX/2020 a letter was sent to me by this company including billing statements from the credit card company. but not what I listed in my letter. In my letter I asked for a list of TEN things and I states " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) '' Not only did they respond way PAST the 30 days but they also did not even send the 10 items I asked for.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 I sent out debt validation letter for alleged debt. Letter was received on XX/XX/2020 @ XXXX XXXX I received a letter back on XX/XX/2020 The letter I received does not include all of the ( ten ) items I asked for. In my letter, I state " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) ''
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: What is this complaint about? I submitted paperwork to ALL three credit Bureaus, XXXX, XXXX and XXXX. Showing proof that my case against Mindland funding was dismissed in court in 2017. I have also showed proof of Residence and given a copy of my Texas Driver 's license. Also, The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired. What type of problem are you having? It's been over 60 days and it is still showing on my credit report. What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX and XXXX, with no resolution. What company is this complaint about? The Company this complaint about is Mindland Funding. Who are the people involved? The people that are involved is XXXX, XXXX and XXXX.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I entered a payment arrangement with this company after they harassed me and called me at all hours of the day, and subsequently threatened legal action and then started legal action. They would not initially identify themselves when they first started calling me so I never responded. When I was notified of legal action, I reached out to Midland Credit Management , Inc. - XXXX and was notified of the debt. They told me I had to pay the full amount {$2700.00}, which I could not and then they said I could try and enter a payment arrangement if I paid {$190.00} at the time of the call and then subsequently {$100.00} a month until the debt was paid in full. I agreed to pay the {$190.00} and then {$100.00} a month following that on the XXXX of every month. They stated that legal action would stop so long as I made my payments on time and that if I defaulted on payments legal action would continue and a judgment would be entered against me which could result in me losing my job possibly, according to them. I said okay, and paid. I paid {$190.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I checked my credit score at the beginning of XX/XX/XXXX and it showed they were still reporting the balance owed of {$2700.00}, and were reporting that I had not made any payments. It stated on my XXXX credit report that the last time they had updated information was in XXXX of XXXX. I called Midland Credit Management , Inc. - XXXX in XXXX and asked if they could update the debt to reflect the accurate balance and that I had indeed made three payments at this point. They gave me the run around and transferred me and gave me different phone numbers to call and after 2 hours, I was told no one was trained on " Credit Reporting '' and that they would not update the correct balance or payments until the balance was paid in full. They could not give me any assurance of when that would be reported or if it would officially be reported to Credit Bureaus or just reported in Midland Credit Management , Inc. - XXXX systems. I was told not to dispute, just to be patient and keep paying as I had agreed or legal action would resume. I was told that they could see in their records that they were aware they were reporting the incorrect balance and inaccurate payment details and they showed the last time they had updated or reported anything about the debt was 5 months prior in XXXX. I then contacted XXXX and disputed this debt as they were reporting inaccurate balance amount and inaccurate payment history of the debt. I was notified on XX/XX/XXXX that the dispute was successful and that the debt was being deleted from my Credit Report and my Credit Score went up. I called Midland Credit Management , Inc. - XXXX and informed them of the dispute and that the debt was deleted from my Credit Score and I asked if I was still legally required to pay the debt. They would not answer me and laughed at me twice. They asked me if I only pay my debts when I'm forced legally or if I pay out of moral responsibility. I asked multiple times, " Am I legally required to keep paying now that the debt was disputed and removed from my Credit Report '' and they would not answer. The first agent I spoke with offered right away after her system showed that the debt was disputed, to cancel my payment plan, and I asked again, am I still required to pay, or not, since the debt was deleted and disputed, she would not answer. I was transferred to two different supervisors and after 1.5 hours, I was told if I didn't continue to pay, they would restart the lawsuit, possibly garnish my bank account and that I would have a judgement entered against me, but would not answer if I was legally required to keep paying on a deleted debt. They would not answer and kept repeating the question to me " do you only pay bills when you are legally forced ''?. They would not answer me and after so long, and speaking with two supervisors, who would not give me their real name, I gave up. I still do not have any answer and don't know if I'm supposed to keep paying or not.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do not owe any debts to any person or company, but starting on XXXX! I began receiving several calls a day, which I didn't answer, from these two numbers : XXXX and XXXX. I XXXX them both and found they belong to Midland Credit Management and that there were many, many complaints online about repeated harassing phone calls from this company. Today yet more calls came so I decided to answer, from the XXXX number. A recorded woman 's voice said to hold for a call for me, and then a Spanish-speaking woman came on asking for " XXXX '' or " XXXX. '' I said nothing and I don't know anyone by either of those names. I understood that she was telling someone in XXXX that there was someone on her line ( me ) saying nothing. I finally hung up. I want these calls to stop ASAP!
Company Response:
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
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: I have disputed information on my credit report being reported by Midland Credit Management for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. XXXX XXXX and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. Midland Credit Management {$760.00} Midland Credit Management {$1200.00} Midland Credit Management {$450.00} Midland Credit Management {$450.00} Midland Credit Management has continued to report this invalidated information as well. Midland has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A