Date Received: 2020-04-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received court forms in regards to a credit card debt from XXXX. The court forms were signed off by the XXXX XXXX Sheriff 's Office, Sheriff 's Civil Bureau. My social security number was hand written in on the forms next to the wrong address. I first spoke with a representative from Midland Funding LLC regarding this whole matter that I was unaware of and also the fact that my social security number was written in on the forms and by law they should not have written any of my personal information on anything in any form. The representative stated they could do that in a court form. I responded by stating they could not do such and it is not normal practice to write a social security number on any form especially court forms. I indicated that I am out of work due to the virus and that the forms I received state a payment plan could be worked out even though this is a 12 year old debt and past the seven year rule. The representative then stated that the sheriff 's department was the one that wrote my social security number on the forms. She also stated they could take all of the amount ( XXXX ) and that no plan would be worked out. There are so many issues with the handling of this 12 year old matter. We are in a crisis as a nation and a company such as Midland is able to do whatever they want and also be irresponsible and give out my social security number just because they don't care other than receiving money that they shouldn't even receive. They found my correct employer yet they couldn't find my correct address. My address is linked to my employer. These companies seem to get away with what they want and no one puts a stop to them. The judgment was entered in the court on XX/XX/XXXX. I was unaware of anything pertaining to this matter especially since they were not mailing any information to my correct address.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On Wednesday, XX/XX/XXXX, at XXXX I contacted Midland Funding LLC at XXXX XXXX XXXX XXXX regarding a collections account after discovering it on my credit report. Upon calling the creditor and attempting to pay the balance in full ( {$3000.00} ), I was informed that there was a judgement against me and that my balance could change either higher or lower and that I needed to call back on Monday, XX/XX/2020. I said thank you and hung up. This surprised me, however, because I didn't know what they meant by judgement so I began XXXX it and found it to mean that I was supposed to have been notified of a summons to appear being made against me. This never happened. I do not know where this hearing took place nor when it took place nor who I was even supposed to contact about it. I called back today, XX/XX/2020 at XXXX again attempting to settle my debt before being told that the balance still has not updated from the judgment and that I would need to call back Wednesday, XX/XX/2020. I am ceasing communication with the company in fear that my rights will be further infringed upon, and turning to you all in hopes that we can find a middle ground.
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I would like to seek your help and file a complaint to the company named Midland Credit Management for failing to acknowledge the payment arrangement made by their authorized Debt Collector company which is Atlantic Credit and Finance Incorporated, located in XXXX, VA. On XX/XX/XXXX, there was a confirmed payment arrangement between me and the said Debt collector company. That time my balance appeared as {$7300.00} and payment arrangement schedule will start as XX/XX/XXXX and will End on XX/XX/XXXX with a monthly payment of {$170.00}. I attached a copy of this payment arrangement. Let it be known, that before the payment arrangement was confirmed, I have made an initial payment of {$180.00}. The letter of confirmation given to me after the payment arrangement was made is stating that once I have completely fulfilled the agreed payment arrangement, I will be released of the obligation completely and that the Debt Collector company acknowledge the discounted balance of {$3500.00} and following that 30 days after the completion of my payment arrangement I should be receiving a pay off letter. I'm never late and never failed to pay every month due to my monthly payment was set-up via automatic debit on my bank account. Let it be known that I have successfully completed the payment arrangement and that I did not receive a Pay off letter from Atlantic Credit and Finance even after 30 days of my payment completion. But instead on the XX/XX/XXXX I received a statement ( see attached ) from Midland Credit and Finance that I have a current Balance of {$3700.00} and that I have a new account # XXXX and that I should ignore the account # XXXX from Atlantic Credit and Finance. It appears that Midland Credit Management failed to investigate thoroughly to gather all the details of my account. In addition to this, I have filed a complaint to Atlantic Credit and Finance back in XX/XX/XXXX since Atlantic Credit and Finance failed to me a correct reflection of my total balance with current discounted balance every time they send me a monthly receipt of my payments. Atlantic Credit and Finance mark my complaint as ID # XXXX. A copy of the complaint and their response is attached. It was stated on their response that my payment arrangement is set to be completed by XX/XX/XXXX. But again, upon logging in in Midland Credit Management website, it appears the company created another account # XXXX so that they can still go after me and collect the money that was already been settled based on the the account # XXXX. I have attached the statement of Midland Credit Management have created to make it like a new account # and make it appear that I still owe {$3700.00}. This is wrong and deceiving. Account # XXXX must be eliminated and must not be created. I also attached the latest statement from acct # XXXX stating that I do not have no further obligation in this debt. But what is the purpose of creating another account number that shows i still owe {$3700.00}.? What is the meaning of it. I need a closure of this account. Another Point is, there is a letter of closure ( attached ) that states that the XXXX Account has been sold to Midland Credit Management, there is supposed to be only 1 valid account to be created.
Company Response:
State: CA
Zip: 92337
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2015, I reported to XXXX XXXX XXXX that there were charges on my statement that I had not made. Prior to these fraudulent charges I had XXXX balance and wanted to close the account, which is how I discovered the fraud. XX/XX/2015, I received a letter from XXXX XXXX XXXX Fraud Investigations, that stated " XXXX XXXX has determined that you are not responsible for the charge ( s ) using your XXXX XXXX credit card. '' I considered the matter closed, and that is where I went wrong. I have since disputed this with the Midland Funding, the collection agency that bought the now {$400.00} debt ( the original credit limit was only {$300.00} so how is that even possible? ) However, they are relentless, going so far as to ask me to borrow the money from my mom or my dad, who are dead! This despite the fact I tried to tell them the debt was not mine. All they care about is getting their money, not what is right. I have also disputed it through the credit reporting agencies. XXXX XXXX removed the negative mark, however, XXXX has not. I have the original letter sent to from XXXX XXXX XXXX as well as statements.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Midland Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX ( Attorney for Midland Funding LLC ) to request validation of debts they claim I owe. $ XXXX $ XXXX {$3000.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They failed to provide me with validation, but they did respond to me with a default judgement for alleged account {$1000.00}, and a motion to set aside/vacate the default judgement has been filed and a court date set. And continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.
Company Response:
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I receive a letter from Midland Credit Management in regards to a XXXX 's XXXX XXXX account that I did not open. The letter dated XX/XX/XXXX stated that I owed {$1200.00} that had not been paid. I have never in all of my XXXX + years, shopped at XXXX XXXX XXXX. This is the SECOND time that I have had to DISPUTE charges from XXXX XXXX and XXXX XXXX XXXX. The last time was just in XXXX I filed a police report then too. When I call ( MCM ) to inquire about the debt, they always ask for the last 4 digits of my social security number and I don't even feel comfortable giving it to them, considering my history with them. I did reluctantly provide the information to Midland Credit Management and they finally indicated that the date of birth of the person that opened the account was in XXXX, XXXX. That is not my date of birth. The social security number, and address all match, but I did not open this account. I am retired and on a limited income and do not need this fraud to continue. I have spent my entire life paying my bills on time and I have excellent credit. I have worked hard with little income, to be a responsible bill-paying citizen. I do not, nor have I ever, shopped at XXXX XXXX XXXX. I am filing a police report and I have also filed an Identity theft report with the FTC.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled the debt and paid My balance shows XXXX but still reporting on my credit as un paid
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I settled and paid balance. Online it says XXXX but still reporting on my credit as not paid
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
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: 02125
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card that was in great standing that I paid off every month. In XXXX of 2014, they thought there was an inaccurate charge on my account and closed my account. They then would not accept a payment and sent it to a collection company who then sent it to a lawyer. They closed and charged it off BEFORE I was ever even late on a payment. They wouldn't let me even pay it. They never let me verify the charges they thought were fraud. They literally just closed it without my consent when it was in good standing. I have spent years trying to get them to fix it but all they will say is they don't own the account. I have the statements from 2014 showing I was completely on time on the account and the next month they charged the account off. I am now applying for a home loan and getting denied only due to these accounts as it is still affecting my credit by over 50 points! I have requested verification multiple times which they have never provided and yet some how it still is on my credit report even though I have done everything that is within my legal right and they won't do anything they are legally obligated to. I can not lose my home due to their mistake that is not even legal!
Company Response:
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A