Date Received: 2020-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MIdland Funding ( Supervisor XXXX XXXX, XXXX ) and XXXX XXXX ( XXXX ) have pursued legal action and have been successful in garnishment of my wages. My employer has verified satisfaction of the garnishment. Ive reached out to both creditors asking if I could receive a letter of satisfaction being as though the debt was satisfied and was advised the account will not be updated until the money is actually received from the courts. Midland Funding through the online court system verified satisfaction of the debt and still wont update. Im not even sure how they are able to pursue such action as they are NOT the original creditor. Ive pleaded with both companies being as though Im in the process of purchasing a home and this is delaying the process and neither would budge, my employer was willing to furnish this information and that wasnt enough. My back is against the wall, not only will they not furnish a satisfied letter, they wont update the credit report. As the nation is facing this crisis Ive reached out to the courts to confirm receipt of wages and unfortunately unsuccessful as well. Im asking for your assistance in this matter.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management has delivered a summons to me containing information that they are attempting a collect a debt from me. Oddly Midland has sent another person 's personal information to me. Midland sent my personal information the other person. Because Midland has initiated a court collection against this other person, unknown to me, this is very serious as it involves them sending personal information.
Company Response:
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There was an overpayment made on an XXXX account I had with Midland Credit Management. To that effect, Midland Credit Management sent me a statement last month that shows I have overpaid them in the amount of {$140.00}. However, the company has never issued a refund check. What's worst is when I contacted them today, their representative 's attitude seems to be, they will sit on the money for as long as they want. This money is not there, they have no legal right to keep it, and they are blackmailing me in an attempt to make me pay on another issue using the {$140.00} overpayment as bait. This is an example of the worst kind of business practice. Not only is it unethical it is illegal and quite frankly the CFPB should be ashamed. This agency was created to prosecute bad business practices. Instead, under the Trump Administration, it seems to be a placebo in an attempt to appeal to voters by saying they are doing something while they are actively doing whatever they can to benefit these bad business actors. Frankly, if someone were to use me that way, then they should at least buy me dinner first. Midland Credit Management has 48 hours to cut a refund check to me for the {$140.00} overpayment or I will file a lawsuit!
Company Response:
State: KS
Zip: 67217
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland funding is by far the worst debt collection company I ever dealt with. They are rude nasty liars. they are trying to collect a debt that they can not prove that I owe. They harass me, called me out of my name and threatened to sue me, even pretended to be lawyers. The so call debt that they are lying stating I owe are as listed : XXXX XXXX for {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have no proof that I open these accounts. no ID to show proof that I opened these accounts. I did not open these said accounts.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I opened a XXXX XXXX credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of midland funding llc is trying to extort {$3500.00} as of today and it is no longer a credit card account but account
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Midland Funding XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX RE : Accounts # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. Midland Credit Management has not furnished any documents proving this account belongs to me.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland funding held an old XXXX XXXX account was paid XX/XX/2019 I was told it was closed. I was promised a clearance letter would be mailed XX/XX/2019 that I never received. The account is has been put on my credit report again negatively and now showing it as a charge off. Ive attached the payment transactions
Company Response:
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inaccurate information on credit report.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A