Date Received: 2023-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an account with XXXX XXXX XXXX and had a balance of {$53.00} on XX/XX/2022, in which I contacted the merchant and made a phone payment in the amount of {$23.00} which was the minimum due at that time. next, I went to the store and made the remaining balance of $ {$30.00}. at that time my account was paid in full. I have the proof that the account was paid before it went to collection. after that, I started getting harassed by Midland Credit Management for the last 6 months I have contacted this debt collector and provided all the proof and even my bank statements that I paid but they continue to demand money and they want {$380.00} more. Midland Credit Management has put this on my credit. MCM # XXXX. This account was paid before it was placed for collection. I want them to stop harassing me and calling me. Also, I want this out of my credit report
Company Response:
State: NJ
Zip: 08057
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently pulled my credit report, and noticed some errors. Please investigate and update as they are causing adverse harm to my credit report and good character. ( Midland Credit Management XXXX {$1200.00} - Unverified Account ) In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe to this collection agency, I have not received the following documentation from Midland Credit Management # 1-5 : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the 4. Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 5. Payment history from original creditor
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had requested documents from the Bureaus, I have not received anything.
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: On XX/XX/2023 a server arrived at the home address to serve paperwork. Another adult at the house accepted the paperwork while I was on the phone with him. The summons stated that " On XX/XX/2023 at XXXX in the XXXX XXXX XXXX, XXXX XXXX, Colorado, if an answer is not filed, the Court may be asked to enter judgment against you as set for in the Complaint. '' On XX/XX/XXXX, I signed up with XXXX and created a " Motion to compel arbitration and stay proceedings '' As it is a requirement of Midland Credit Management , Inc . Terms and Conditions before any court proceedings. On XX/XX/XXXX, I went to XXXX and mailed out a certified letter to be signed by the attorneys who created the paperwork that was served to the address and later given to me. I then went to the XXXX XXXX XXXX who stated Midland Credit Management did not file anything and couldn't take my motion since there was no court case and asked for me to return tomorrow. On XX/XX/XXXX, I went back to XXXX XXXX XXXX who stated again there was no case. Two county clerk admins looked for my information and went through active cases and summons and failed to find my information anywhere. They have provided and sealed such paperwork stating there was no record. The motion that I have certified sent to them is being still delivered and don't know what that would mean on my end.
Company Response:
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to request debt validation for the debt that you have been attempting to collect from me. As a consumer, I have the right to request validation of any debt that is being pursued by a debt collector. *MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.
Company Response:
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. * Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. * The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. * Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( XXXX ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX to cease collection activities until proper validation is obtained. * It is imperative that XXXX XXXX XXXX furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the XXXX period specified. The cessation of collection activities during this interval is mandated by statute. * Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. In light of the foregoing, I demand that XXXX XXXX XXXXT rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may result in legal consequences and further action to uphold consumer rights. Kindly acknowledge the receipt of this communication within XXXX XXXX and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management is attempting to collect a debt that never belonged to me. The debt is a result of Identity theft. I am a victim of Identity theft. This debt has never belonged to me. XXXX is demanding that I pay XXXX for a fraudulent debt that occurred as a result of my personal information being stolen.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received a notice of garnishment from my employer. This was the first time that I have been notified of this judgement on this debt. Amount owed does not match anything on my credit report. The amount that is owed to Midland Funding has the incorrect date on it. I am now past the statute of limitations for this debt and the judgement was done in XXXX courts and I have lived in XXXX for over 4 years. The address in the court documents is incorrect as well. This was filed multiple times and states that I have paid on it, which as far as I am aware I have not. It appears though that this is the 3rd time my wages have been garnished for the same debt by the same creditor. The amounts that are being garnished are incorrect for XXXX law as well.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A