Date Received: 2023-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I have a judgment against me from XXXX from asset XXXX or XXXX XXXX they are trying to garnish my wages I can not have this I will lose my job if they do this they told me I could not pay what I could afford which is {$50.00} a month that they could come and arrest me if I don't pay more now they are garnishing my wages I am willing to pay them {$50.00} a month but I can not have my wages garnished I am the only person working in the household and I am barely making it with what I have every time I call to make arrangements they threaten me please help me with this matter and don't let them move forward with garnishing my wages
Company Response:
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have been a victim of fraud resulting in police reports fraud and home invasion robbery I am requesting to have this account deleted off my credit report thanx much
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MIDLAND CREDIT MANAGMENT has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I just noticed that my bank accounts were frozen due to a judgement by a creditor. I am unfamiliar with this creditor but I recently learned that they bought the debt XXXX yrs ago. Why havent I heard from them. I never received notice that I am being sued and they got a court judgement to garnish my whole life savings. They also attached the hold on my XXXX yr olds accounts. This was all her social security and annuity income in these accts. We are unable to pay our living expenses with XXXX balances. I am the full time care giver for my mother and I am not working. Please help us with this horrible situation.
Company Response:
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of 2022 I mailed XXXX a letter informing them that I am a victim of identity theft from a credit card that was in my name from them.. 2 months later Midland Credit Management purchased this debt. I informed them multiple times on the phone and in writing this is identity theft. I sent them a FTC fraud affidavit and gave them the police report number, # XXXX XXXX XXXX Sheriff Department in XXXX, Indiana. This company continues attempts to collect on this fraudulent account. mcm # XXXX XXXX customer # XXXX
Company Response:
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing the second complaint against Midland Credit Management, regarding their ongoing violations and harassment. Throughout this year, I have engaged with Midland Credit Management via telephone and USPS mail, in attempts to verify a debt associated with account number XXXX. On XX/XX/2023, I spoke with XXXX XXXX, a representative from Midland Credit Management, during which I expressed my concerns regarding the legitimacy of the debt. During this conversation, XXXX XXXX confirmed that the debt could not be validated and that no signed contract bearing my signature was in their possession. ( Section 1692g ) This situation aligns with the Fair Credit Reporting Act ( FCRA ) regulations pertaining to validation and removal. Subsequently, I disputed the account with XXXX on XX/XX/2023, resulting in its removal from XXXX on XX/XX/2023. As of XX/XX/2023, Midland Credit Management is no longer reflected on my consumer report with XXXX, XXXX, and XXXX. However, on XX/XX/2023, I received a mail via USPS from Midland Credit Management displaying their logo on the envelope. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ), which stipulates that debt collectors are prohibited from revealing debt-related information on the communication envelope. Section 1692f ( 8 ), This breach is concerning, as it infringes upon consumer privacy and has induce distress, embarrassment, and harassment, Section 1692d. Upon opening the envelope, I discovered a letter dated XX/XX/2023, yet it was received by me on XX/XX/2023. Enclosed were the Pre-Legal Process pamphlet and a bill. This information is attached for your reference. Notably, since the aforementioned phone call on XX/XX/XXXX, I have not received any mail from Midland Credit Management, making this recent communication particularly distressing. It is evident that they are attempting to collect a debt that has already been expunged from my consumer report. The continued violations and harassment have led to significant emotional strain and distress. I've attached the following to this complaint : - Front of the envelope - Bill Instrument ( front and back ) - Front and inside of the Pamphlet - Envelope to send payment - USPS Informed Delivery to show when I received the mail - Screenshot of XXXX Dispute and Results
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. Midland Credit Management XXXX {$300.00}
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management is in violation of the Statute of Limitations in New York State for this alleged debt. Midland is falsifying data in regards to open account dates to illegally maintain account open for collection. This account was originally opened with XXXX XXXX. Last day of payment was XX/XX/XXXX. XXXX XXXX closed this account on XX/XX/XXXX.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX is already on my credit and I keep duplicating and keep sending me things through the mail about the same account already on my account is this against the law can this be removed thank you
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled XXXX accounts with XXXX on the same day and call. The representative must have not closed out one correctly. They reflected the XXXX XXXX XXXX correct. I had to fight to have them fix XXXX XXXX that agent said its recorded I settled all XXXX accounts but the representative didn't close the XXXX XXXX correct nor XXXX. So then they fixed only XXXX XXXX. Over a yr later from XX/XX/XXXX I did all I could to resolve all my debt. Now ever since XX/XX/XXXX community continued to report late & derogatory and not reflect the settlement. It has ruined my hopes of growth again. I can't help my daughter with college due to my continuing late from XXXX. I have spent over XXXX hrs on the phone. Countless calls and now they sold the debt. I filed with credit carma they said it was settled. Still dealing with it all. Please this has just bothered me daily I can't believe they haven't taken the time to look at it logically. Fix this reflect it the way the other XXXX accounts finally show. I am begging for any help. Over XXXX yr later all the late. Thank you
Company Response:
State: OK
Zip: 74014
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A