Date Received: 2023-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a notification from XXXX regarding a package being delivered to an address where I haven't resided for over 13 months. Concerned about this, I promptly contacted XXXX to inquire about the package 's contents. They provided me with a contact number, which ultimately led me to MCM ( Midland Credit Management ). Upon speaking with a representative from MCM, I shared my concerns and requested validation of the accounts associated with me. The representative initially attempted to verify my identity solely using my birthdate and then informed me about multiple accounts they held in their office under my name. In response, I reiterated my request for written communication and validation of the debts, emphasizing that I had not lived at the address they were sending information to for over a year. Despite my polite explanations, the lady on the phone appeared dismissive of my concerns and persisted in urging me to make payments. I informed her of my job loss last year and my current full-time commitment to college. I kindly requested, once again, validation of the debt, copies of all credit card statements, and a copy of the card agreement with my signature. Regrettably, the lady on the phone continued to disregard my requests and remained insistent on immediate payment. Frustrated with the lack of cooperation, I decided to conclude the call.
Company Response:
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Hello I have been harassed by the midland credit management collection company, this company sent me multiples letter threats me with legal action about the credit card debt, the last letter was sent it XX/XX/23, so I did multiple calls to try to verify that the debt XXXX XX/XX/23, XXXX XX/XX/23, and the last call was XX/XX/XXXX XXXX, this company refuse to validate this debt, due this company no respond me, I decide sent a validation request letter on XXXX XX/XX/23, XXXX XXXX XXXX XXXX received by XX/XX/XXXX XXXX, and this company fail to provide the documentation requested on the 30 days that is allowed by the law and this company persist sent me multiple letters and this point and decide to create this complain After previous complaints, this company still did not provide the documentation to validate the debt and still sent me a letter to collections I would like the company to stop harassing me and delete this account
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX Midland Credit Management placed a collection for a XXXX XXXX XXXX store account on my credit as a collection. The amount listed is {$930.00}. I have not opened, nor authorized anyone on my behave to open, this account.
Company Response:
State: TX
Zip: 77357
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Re : Complaint Regarding Wage Garnishment and Unauthorized Withdrawal by XXXX XXXX XXXX, XXXX on Behalf of Midland Credit Management , Inc . Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding an ongoing issue with XXXX XXXX XXXX, XXXX and Midland Credit Management , Inc . I reside at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and my contact number is XXXX. Recently, I have experienced significant financial distress due to an unauthorized wage garnishment initiated by XXXX XXXX XXXX XXXX on behalf of Midland Credit Management , Inc . This matter has caused undue hardship for me, as I do not owe any money to any company or entity associated with this garnishment. Here are the details of the situation : XXXX XXXX : Cause No. : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Withdrawn : {$3600.00} Legal Order Debit Contact : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Case # : XXXX I would like to emphasize that I have never had any dealings with Midland Credit Management , Inc. and have never incurred any debt with them or any other company. It appears that there has been a grave error or misunderstanding in this matter, leading to an unjust wage garnishment and unauthorized withdrawal from my bank account. I kindly request your assistance in investigating this matter and facilitating the return of the wrongfully withdrawn funds to my account. Additionally, I seek your intervention to ensure that XXXX XXXX XXXX XXXXXXXX and Midland Credit Management , Inc. cease any further actions related to this erroneous garnishment. Please find enclosed copies of relevant documents, including bank statements, withdrawal records, and any other documentation that may aid in your investigation. I am more than willing to cooperate fully and provide any further information required to resolve this issue promptly. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I humbly request your assistance in resolving this distressing situation. I look forward to a prompt and satisfactory resolution of this matter. Thank you for your attention to this urgent matter. I can be reached at the phone number provided above, and I am available to provide any additional information as needed. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just checked my credit report and notice Midland credit management on my credit file for XXXX XXXX for {$710.00} I never received any correspondence from them. I provided XXXX XXXX with a police report regarding this debt
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j Do I have a contact with you I want to see the two wet signatures.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT is furnishing my personal information and violating my privacy. They do not have permission/ written consent to report their business transaction into my consumer report. It is in clear violation of 15 U.S. Code 1681b- Permissible Purpose and 15 U.S. Code 6802. have disputed this transaction multiple times and there has been verifiable proof that they have obtained permission, verbal or written, to report anything to my consumer report in the first place. This is a violation of my right to privacy. They are continuing to violate my consumer rights and the consumer law. The notice of this account being verified is missing description of procedure. Another violation. I have counted multiple violations of consumer law. You will see in the attached pdf they have given none of the appropriate information required by law.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Let it be unequivocally stated : Midland Credit Management , INC, your harassment and demeanor shall not be countenanced, given that Midland Credit Management , INC has transgressed numerous provisions under the Fair Debt Collection Practices Act ( FDCPA ). It is imperative to comprehend that you are not immune to the legal constraints that you are legally bound to uphold. On the XXXX XXXX XXXX XXXXXXXX I received a distressing missive from Midland Credit Management , INC, which advanced the threat of a lawsuit pertaining to an alleged debt. First and foremost, your organization has transgressed Title 15 of the United States Code, Section 1692d, by engaging in actions that can only be categorized as harassment and abuse. Such behavior will not be countenanced. Secondly, Title 15 of the United States Code, Section 1692e, has been violated through the dissemination of false and misleading statements concerning my person. Furthermore, it should be duly noted that your organization, lacking the legal credentials, can not aptly designate a " Pre Legal Notice '' without infringing upon the FDCPA. Thirdly, I wish to assert that I have never entered into any contractual arrangement pertaining to the alleged debt which you persist in harassing me about. I vehemently demand to inspect any document bearing my signature, indicating my consent to engage in business dealings with your organization. It is worth noting that your actions run afoul of Title 15 of the United States Code, Section 1692i ( B ), which expressly states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Consequently, your claims hold no legal standing in my regard, and any attempts at extortion shall be resolutely repelled. Failure to elucidate the allegations contained within your correspondence would also constitute a violation of the FDCPA. It is disconcerting that you intend to exploit my personal information for dissemination among various entities. As per your purported document, multiple parties may possess my personal identifying information, none of whom have sought my consent or input in relation to this alleged transaction. Consequently, your actions border on an extortionate endeavor, thus contravening Title 15 of the United States Code, Sections 6801 A ) and B ) ( 1 ), ( 2 ), and ( 3 ). I hereby demand that you elucidate your intentions concerning my personal identifying information and delineate the measures you intend to undertake to safeguard said information. A comprehensive investigation into Midland Credit Management , INC has revealed a disconcerting pattern of duplicitous conduct. Your organization has been implicated in the practice of robo-signing affidavits, which culminated in a legal judgment of {$500000.00} against you in Minnesota. Additionally, your organization faced legal repercussions in Johnson vs. Midland for misrepresentation against potential victims in Maryland, similar to the circumstances surrounding my case. There exists an abundance of cases that substantiate your unscrupulous tactics. The litany of cases lost by your organization serves as a damning testament to your propensity for deceit and your readiness to flout the law. One could compile a voluminous tome detailing these lost cases, underscoring your organization 's nefarious practices. Equally, one could assemble another substantial volume chronicling the grievances lodged against your malevolent enterprise. Given your egregious track record, it is arguable that your operation should have long ceased. A perusal of case XXXX alone suffices to underscore my resolute aversion to any association with your business or its subsidiaries. I categorically disavow any purported debt or account associated with your organization. Your unlawful correspondence clearly intimates a proclivity for obfuscation and equivocation, with its demand for an explanation that fails to redress my legitimate concerns regarding your extensive history of misrepresentation. I shall conclude with this declaration : I shall bring to light the reprehensible nature of Midland Credit Management , INC . I shall not remit a solitary cent, especially for an alleged debt that I do not owe. I insist upon the immediate closure of this alleged account within your offices and the cessation of all collection activities associated with it. Failure to acquiesce to my demands shall result in legal repercussions pursuant to Title 15 of the United States Code, Section 1692k.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A