Date Received: 2021-09-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit XXXX has been calling harassing me since XX/XX/2021 they repeatedly call from a variety of different numbers I have been asking them to stop the calls even block the numbers and more continue to come.
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: For the last 10 or so years Midland financial has been attaching derogatory items to my credit report and each time I have disputed the derogatory item and the derogatory item has been removed each time because Midland could never validate the debt. I also sent them a certified letter asking them to validate the debt and send me a contract, etc with no reply. Fast forward to the present. I noticed that a little chunk of money was being deducted from my check. I initially assumed that it was due to me changing my health plan. Well, under further investigation I confirmed that it is a wage garnishment from Midland. It has to be a default judgement because I was not aware that there was a court date or a lawsuit against me. The suit is for {$2500.00} I currently do not have nay documents. I did not even receive notice from my employer. MI contacted my employer and they are going to send me whatever documentation they received.
Company Response:
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Recently I tried to see if an old XXXX XXXX account could be settled. The debt was for {$24000.00} on a real estate transaction where my former partner was supposed to pay off the debt. The real estate transaction was a XXXX across the board. However, last week on XX/XX/2021 I called XXXX XXXX to settle the debt. I was told that the collection was being handled by Midland Credit Management , Inc. For the record, I was never in receipt of any notice by phone or by mail that this national collection agency was in charge of the XXXX XXXX XXXX. My call to Midland Credit Management was productive until a supervisor by the name of XXXX got on the phone. Midland plays a good cop, bad cop aggressive negotiation process that is highly illegal. Recently, Midland Credit Management paid a $ XXXX fine to the Consumer Financial Protection Bureau for excessive Fair Debt Collection Practices Act violations and Fair Credit Reporting Act violations. On the XX/XX/2021 call wee came to a settlement of {$11000.00} on the {$24000.00} debt. I stated that I could clear that settlement on XX/XX/2021. I was told by the supervisor XXXX that if the account is not settled by XX/XX/2021, that XXXX XXXX is calling the collection back, and that MCM would be out of the equation. I stayed adamant that I could not clear the payment until XX/XX/2021, and we ended the call. ALL CALLS ARE RECORDED!!! Today, XX/XX/2021 MCM called me again, this time with a different agent for MCM. Once again, I kept to my position that I could not honor the payment until XX/XX/2021. I was strong in my position that I could not pay the settlement until that date. Once again, XXXX representative stated that this was the last day the deal could be procured. I was told the XXXX wanted to speak to me, and when he got on the phone he stated that he was listening in on the call all along. This is a felony under Massachusetts Eavesdropping laws. I was then told that if the settlement payment was not made today, that the full amount was now due. This was a form of extortion that MCM is known for. All phone conversations were recorded and will lock my position that XXXX XXXX has stooped to the lowest form of debt collection. They hired a company that will use eavesdropping violations and extortion without discrimination. I will now hire a lawyer to file an action against XXXX XXXX and Midland Credit Management. I demand that the debt be forgiven completely for these federal and state legal violations. I did not ever give my consent for my conversation to have a third party listening in. Massachusetts Recording Law Note : This page covers information specific to Massachusetts. For general information concerning the use of recording devices see the Recording Phone Calls, Conversations, Meetings and Hearings section of this guide. For additional information about engaging in journalism in the Commonwealth of Massachusetts, please see our printable PDF guide Newsgathering in Massachusetts, co-produced with the XXXX XXXX XXXX XXXX XXXX. Massachusetts Wiretapping Law Massachusetts 's wiretapping law often referred to is a " two-party consent '' law. More accurately, Massachusetts makes it a crime to secretly record a conversation, whether the conversation is in-person or taking place by telephone or another medium. See XXXX. XXXX XXXX ch. XXXX, XXXX. Accordingly, if you are operating in Massachusetts, you should always inform all parties to a telephone call or conversation that you are recording, unless it is absolutely clear to everyone involved that you are recording ( i.e., the recording is not " secret '' ). Under Massachusetts 's wiretapping law, if a party to a conversation is aware that you are recording and does not want to be recorded, it is up to that person to leave the conversation. XXXX XXXX must eliminate the {$24000.00} debt service permanently. The account is a corporate account and should have never been presented on my personal credit report. XXXX XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Due to Covid-19 travel restrictions I did not pay a credit, and the debt was sent to collection. A soon as I was able to come back to XXXX I sent a check from my personal checking account fo {$340.00}, 100 % of all the debt that actually was less that {$150.00}. The check was cashed by the debt collector, Midland Credit Management, on XX/XX/2021. However, they keep calling, sending me letters of collection and adding interest and late fees to the debt. I have tried many times and different ways to make them correct their mistake. I called them, I sent 3 letters to them including a copy of the cashed check, but they keep calling and they sent me a letter that their records are correct and that I still owe them.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my debt in full on XX/XX/2021 of {$22000.00} to midland credit managet. They have continued to garnish my wages 5 times since than and will not return my overpayment of {$650.00} to me. It has been 6 weeks and I have called 2-3 times a week. None of this was explained when I paid my debt. They just took my money and continued to do so after I thought it was over. Had they explained that paying my debt in full would not stop my garnishment I would not have done so. They lied when stating the garnishments would stop if paid in full.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have called, and reported this Debt collection company on several platforms, and also reported them to all three credit bureaus. I had my identity stolen, and have notified the company that this is not my account and also mailed this company the copy of my FTC identity theift report, as they requested that I do. Then I asked the company to stop reporting this account as mine, by law they are not supposed to continue to report on it. and to quit reporting interest on this account resulting in my credit score going down because this company is reporting interest going up then two days later will report the balance has gone down by a dollar. And another two days increase the balance again. I called company and ask why are they still reporting activity if I already stated this account is fraudulent, and you have proof? The agent told me they can still report on this account, witch I know is false. This has been going on for awhile and I'm tired of this company in my personal data. And I just want this Debt collector activities investigated aswell. And also after reporting this company they immediately closed the account, then they opened it up again an began what I believe is toying with me, on my XXXX account it shows closed with a past due balance that's illegal if it's a fraudulent charge and you have proof. All agents I have spoken to are hard to understand, and can never get me to a manager, are some one in higher authority.its bad business at this debt collection establishment.
Company Response:
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card account they have sued me for a judgement back in XX/XX/2016and now reporting it on my credit report. Is it ok to report the original debt on my credit and also have a judgement with fees and other charges on my actual credit report. If I pay off how do I get a resolution to the judgement? XX/XX/2016
Company Response:
State: ND
Zip: 58201
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello I recently disputed, and finally got a letter about the debt, and I paid it XX/XX/22
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A