Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have received a detailed letter from an attorney with [redacted] and the dates and information provided by the original creditor to me do not match the information provided in this response from MidlandI have also reviewed by credit reports (pulled FROM the bureaus, not a compiling) and have Midland showing as updating on [redacted] with a Key Derogatory in Feb and [redacted] showing as OpenAgain, per FCRA 623, I request that Midland delete this tradeline from all three reporting agencies or I will be filing a complaint with the FTC and CFPB Regards, [redacted]
August 28, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] ** [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated August 14, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 4, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 5, The balance at the time of purchase was $ [redacted] sent in full payment of $111.87, which was posted to the account on May 21, On or about July 26, 2013, Midland Credit received notice from the seller that the account was sold in error, having been paid prior to its sale to Midland Funding The account has since been recalled to the seller [redacted] expresses a concern that Midland Credit representatives were rude to her and that she has yet to receive the refund she had been advised would be sent to her Midland Credit has finished conducting its investigation regarding the alleged conduct of its employeesIt has not determined that its representatives acted rudely, however, there was confusion on which company would be providing [redacted] with her refund which is the reason she has yet to receive it Midland Credit apologizes for this and is currently expediting the refund to [redacted] via FedEx to her home address provided within the complaint Although such refunds typically can take four to six weeks, the refund is expected to be mailed out within the next business days Additionally, [redacted] expresses concern that the account was reported to the credit bureaus A review of Midland Credit’s business records indicates that following receipt of her payment, the account was appropriately updated to reflect a paid status with the credit reporting agencies However, upon receipt of the recall notice from the seller, it appears that although the account was properly adjusted within Midland Credit computer system, the update to remove the account from ** [redacted] ’s consumer credit files may not have been applied as intended With that said, a notice of possible dispute of the credit reporting was received by Midland Credit from [redacted] in March of at which time the credit-reporting agency was advised to delete the account In order to reconfirm the above-referenced account is no longer being reported to any of the three credit-reporting agencies, an instant update was sent to them on August 26, to delete any remaining reference to the above-referenced account from [redacted] ’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Per Midland assigning numbers to the complaint Pointless!Still an offshore boiler room looking for vulnerable citizens to defraud This response is just an obfuscation They will continue to do what they are doingProbably to your Grandmother or Aunt[redacted] ***>>>>>>>>Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I was notified that my complaints against Midland Credit Management is considered resolvedI did not see this business' s response until Revdex.com San Diego sent me notice of resolved statusPlease reopen this complaintMidland Credit Management is a junk debt buyer (jdb)They have not adequate provided verification of any debt submitted to the credit reporting agencies via my credit reportsAt least one of the company's they are reporting was shut down by the government and is no long in businessThis jdb has re- aged the account according to their date of purchase Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit ManagementTo date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as wellAs of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer’s rightsTheir illegal actions have caused thousands upon thousands of consumer’s credit files to be tainted with negative remarksI realize that litigation against this company is the next step in my processI thank you one again for your time and I look forward to having Midland Credit Management removed from my credit files.This jdb needs to remove all of their obsolete, erroneous, and derogatory information from my credit files immediately
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The reason I am rejecting this is one for the fact that this company has made it very hard for me to apply for any type of leasing, high interest rates on my credit cardsI have repeatedly tried to tell this company about the communication error and the mix up of the whole phone contractThis company was very rude at times and during my explanations or any type of negotiations, they would hang up on me call me once a day and I felt harassedThe main reason why I rejecting this offer is just yesterday 8/25/I still see this debt on my credit report still as an OPEN NEGATIVE ACCOUNT which is killing my credit score monthlyAs read this company was told and acknowledged that the account contract was in error and replaced my the selling company [redacted] , and that this would be deleted or erasedIt is now weeks later and nothing has changedI have also read many reviews about Credit Management, saying they don't comply with consumers and it's a long duration for them to conduct any credit statusesI really need this problem resolved before I take legal action
Dear [redacted] ***: Thank you for your letter inquiry dated September 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received via E-mailMidland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 28, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on August 29, as a [redacted] cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number ***Subsequently, the account was charged-off as an unpaid delinquent-debt on April 8, The charge-off balance was $1, Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $2, [redacted] *** expresses a concern that her validation requests have been ignoredOn January 12, 2013, Midland Credit mailed [redacted] *** a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] *** via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] *** in response to the letter, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] *** and collect the debt A review of Midland Credit’s business records indicates that it received notification from the credit reporting agencies on October 16, 2013, notifying it of a possible disputeIn response, on October 18, 2013, Midland Credit mailed a copy of the verification information provided by the seller to [redacted] *** Another copy of the verification information provided by the seller is enclosed Lastly, [redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to [redacted] ***’s concern Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller As referenced above, the open date listed on [redacted] ***’s credit report is in fact the date of purchase by Midland FundingIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will settle the debt Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear Ms***: Thank you for your letter inquiry dated November 6, 2014, regarding Ms [redacted] ‘s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Ms [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosedAn investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on September 8, Information provided by the seller, [redacted] , LLC, at the time of acquisition indicates this account was originated on November 15, 2005, as a [redacted] VISA card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 28, The balance at the time of purchase was $ Ms [redacted] expresses a concern in regard to the validity of the debt On December 5, 2009, Midland Credit mailed Ms [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to Ms [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Ms [redacted] on September 12, 2014, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt Ms [redacted] also questions whether the above-referenced account may be reported on her consumer credit files, due to an order issued by the Federal Trade Commission (“FTC”), which Ms [redacted] states applies to the credit reporting of the above-referenced account After reviewing both the account information, as well as a copy of FTC order [redacted] , please note that while the FTC may have issued an order against the [redacted] and [redacted] , LLC providing restitution payments to certain defined consumers, it does not render all accounts ever issued by [redacted] invalid or unenforceable Part II of the FTC order provides that only affected accounts in which the restitution payments were greater than the balance due were to be removed from a consumer’s credit files Accounts in which a balance remained after an adjustment for restitution payments, the consumer’s credit files were allowed to be updated under the FTC order Prior to receiving Ms [redacted] ’s complaint, Midland Credit received additional correspondence from Ms [redacted] disputing the debt Although her request was not timely, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry dated October 8, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 18, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 31, The balance at the time of purchase was $5, While not the only item of concern identified within [redacted] ’s complaint, she claims Midland Credit representatives contacted her excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law [redacted] also expresses concern that Midland Credit representatives requested her to verify her Social Security Number It is Midland Credit’s policy to verify the consumer’s information on each call to ensure it does not disclose personal information to the wrong individual, as well as to protect the privacy of those with whom Midland Credit conducts business Aside from the above, [redacted] indicates she was not aware that Midland was attempting to collect on this debt prior to receiving a court notification However, on June 2, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C § 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt When a resolution was not reached, on February 3, 2013, this account was referred to Midland Credit’s Internal Legal Collections Department (“Internal Legal”) Their mailing address is PO Box 939033, San Diego, CA Their phone number is [redacted] A copy of the complaint has been forwarded to the firm Suit was filed on April 4, 2013, and judgment was subsequently awarded on September 13, [redacted] also writes that she has sent multiple notifications to Internal Legal Internal Legal advised that they received correspondence from [redacted] on May 1, 2013, offering to pay $per month on her account In response, a letter was sent to [redacted] requesting her to call Internal Legal to set up a payment plan On September 19, 2013, they received correspondence stating that the consumer was currently experiencing hardship, and offered to submit lowered payments Another letter was sent to [redacted] requesting that she call Internal Legal to set up a repayment plan When a resolution could not be reached, on January 8, 2014, an intent to garnish notice was sent to [redacted] She subsequently returned the notice to Internal Legal on January 29, 2014, along with a voluntary payment of $in an attempt to avoid the garnishment This was not a satisfactory amount to avoid garnishment, and the garnishment was filed on February 10, Further review indicates that on April 9, 2014, an Internal Legal representative attempted to call [redacted] in order to release the garnishment and establish payment plan Internal Legal could not reach her, and she did not return the call Lastly, [redacted] writes that she is experiencing hardship During a conversation with Internal Legal on September 25, 2014, she was advised that she had to provide documentation supporting her hardship The documentation was received on September 29, After review, Internal Legal agreed to modify her garnishment, lowering it to $per month The garnishment modification paper work was mailed to her on October 3, A copy is enclosed along with a copy of the judgment Midland Credit encourages [redacted] to continue to work with Internal Legal to assist in reaching a positive resolution [redacted] may reach Internal Legal at their contact information provided above In the meantime, per [redacted] ’s request, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 24, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced accounts [redacted] phone number, [redacted] , was first disabled after a phone conversation, presumably with her, on May 27, 2014; however, subsequently, her number was provided to Midland Credit by a third party vendor for a different account [redacted] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts and she will no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [redacted] phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California
October 13, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated September 29, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] 's complaint indicates that she has consulted with an attorney Going forward, all communication about the matter should be handled by her attorney Please note that Midland Credit has not received any notification that she has retained an attorney, and respectfully requests that she provide the documentation showing that an attorney has been retained so that Midland Credit may update the account accordingly with her attorney's information If [redacted] has not retained an attorney, Midland Credit respectfully requests that she provide it with written notice so that it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 27, as an [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April, 7, The balance at the time of purchase was $1, [redacted] expresses a concern that her validation requests have been ignored On January 2, 2010, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt A review of Midland Credit’s business records indicates that it received notification from the credit reporting agencies on July 18, of a possible dispute Although the request was not timely, verification information provided by the seller was mailed on August 13, to [redacted] in response to her dispute Another copy of the verification information provided by the seller is enclosed A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please call Midland Credit Account Manager [redacted] at [redacted] *** to assist in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry dated August 8, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of pur***r, Midland Funding LLC (“Midland Funding”), on January 4, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 28, as a [redacted] *** account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, The balance at the time of pur [redacted] was $8, [redacted] states that Midland Credit has not provided verification of debt Midland Credit sent [redacted] a validation letter on January 9, to the same address listed within her complaint In the letter, Midland Credit informed that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied U.S.C§ Midland Credit’s business records indicate that it has not received any correspondence from [redacted] in response to that letter or pursuant to the Texas Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act [redacted] also expresses concern that Midland Credit is not reporting accurately on her consumer credit files A review of business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies However, in keeping with its Consumer-First policy, Midland Credit has submitted an instant update to the three major credit reporting agencies to reconfirm accurate reporting of its tradeline on [redacted] ***’s consumer credit files With that said, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records If [redacted] is ready to settle this debt, she may qualify for a reduction in her account balance Please have [redacted] ***’s attorney call Midland Credit Account Manager [redacted] at [redacted] *** to assist in reaching a resolution that will be both beneficial to [redacted] ***, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear MsDyer: Thank you for your letter inquiry dated October 2, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed Please note, the October 2, response to the CFPB only referenced one of the above-referenced accounts as [redacted] ’s CFPB complaint indicated a singular [redacted] debt The only unpaid account belonging to him and being serviced by Midland Credit which originated with [redacted] is account no [redacted] Account no [redacted] is also a [redacted] account, but was settled in Account no [redacted] is a [redacted] account, which also was settled in 2012, but the creditor was not mentioned in either complaint With that said, as [redacted] references certified mail sent to Midland Credit in August of 2014, a review of the correspondence indicates he was disputing each of the above-referenced debts Accordingly, this response will address the concerns he has regarding all three accounts Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on November 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 28, as a [redacted] ***/ [redacted] credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 3, The balance at the time of purchase was $ Final payment on the account was received on May 15, You have no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on March 18, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 26, as a [redacted] credit card account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 18, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on January 25, Information provided by the seller, [redacted] Inc., at the time of acquisition indicates this account was originated on November 27, as a [redacted] / [redacted] general consumer loan account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 31, The balance at the time of purchase was $1, Final payment on the account was received on May 9, You have no further financial obligation for this account [redacted] expresses a concern that his validation requests have been ignored Midland Credit mailed [redacted] separate and unique validation letters – on December 2, for account no [redacted] , on April 1, for account no [redacted] , and on February 9, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters Due to administrative oversight, the response to the CFPB indicated the first correspondence requesting validation was received September 5, by Midland Credit However, further review of Midland Credit’s business records indicates that the first correspondence requesting validation from [redacted] was received August 15, via certified mail, which still cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts [redacted] writes that when he contacted [redacted] , the representative advised him that there was no record of the above-referenced account Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] , the representative of the original credit provider may not have had access to the pertinent account information In his August 15, correspondence [redacted] also writes that the [redacted] had deleted their tradeline and provided a letter from the original creditor to that effect [redacted] appears to have decided to delete its tradeline when it sold the account Whether or not the original creditor is reporting the account, the account remains valid, due and owing In addition to the certified mail Midland Credit received on August 15, 2014, and September 5, 2014, Midland Credit also received several notices of possible dispute from the credit reporting agencies regarding the above-referenced accounts As [redacted] ’s concerns were substantively the same in each instance of dispute, Midland Credit responded with similar responses for the two paid accounts (nos [redacted] and [redacted] ) Individual letters were mailed to him on August 29, 2014, advising that each account was being reported accurately and that he had no further financial obligation to either of them As account no [redacted] has yet to be settled, letters advising [redacted] that Midland Credit denied any inaccurate reporting and needed additional documentation to investigate his concerns were mailed on August 29, 2014, and on September 12, To date, no supporting documentation has been received for this account A review of Midland Credit’s business records indicates that it is accurately reporting all three of the above-referenced accounts to the three major credit reporting agencies With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of a police report showing that he reported the fraudulent activity He may forward appropriate documentation to Consumer Support Services at the address on this letterhead If [redacted] is ready to settle account no [redacted] , he may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance [redacted] continues to have no further financial obligation for account nos [redacted] and [redacted] Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved I would like this to be noted on their Revdex.com record I was pretty upset Regards, [redacted]
April 20, VIA E-Mail MsL [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 28, Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, as a [redacted] cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 29, The balance at the time of purchase was $3, Ms [redacted] expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time Please assure Ms [redacted] that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code Ms***’s phone number contains an area code belonging to Yonkers, New York Based on that information, Midland Credit attempted to contact Ms [redacted] at times consistent with New York All calls were placed after 8:00am and prior to 9:pm local Yonkers time As described in the complaint, Ms [redacted] questions the alleged conduct of certain Midland Credit employees Please note that the alleged conduct described by Ms [redacted] is being investigated Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner Additionally, Ms [redacted] expresses a concern that, prior to Midland Funding’s purchase of the account, a [redacted] representative changed her phone plan without her consent, resulting in her account being forwarded to collectionsA review of Midland Credit’s business records indicate it was not advised of Ms***’s concerns with [redacted] prior to receipt of her complaint However, now that Midland Credit has been made aware of Ms***’s prior issues with [redacted] , in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from Ms***’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc Gregory Gerkin, Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 30, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 17, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on April 23, 2009, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 28, The balance at the time of purchase was $1, On March 20, 2011, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from her on January 5, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit received notification of a possible dispute through the credit reporting agencies on April 17, Although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to her dispute A copy of the verification information provided by the seller is enclosed [redacted] questions whether the account is collectible due to the expiration of the statute of limitations A review of Midland Credit’s business records indicates that the statute of limitations does not expire until August 28, However, please note that the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy Suit was filed on July 22, 2011, prior to the expiration of the statute of limitations Additionally, although the suit was subsequently dismissed without prejudice on December 6, 2011, please note that such a dismissal also does not extinguish the validity of the debt The above-referenced account still remains collectible, due and owing to Midland Credit A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies Midland Credit encourages [redacted] to continue to work with [redacted] *** to assist in reaching a positive resolution She may reach [redacted] *** at their contact information provided above Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry dated August 13, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on February 17, Information provided by the seller, [redacted] **, at the time of acquisition indicates this account was originated on May 2, as a [redacted] *** credit card account number ending in *** in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 27, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit is reporting incorrectly to her consumer credit files, and that her validation requests have been ignored On March 3, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on August 1, 2014, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Additionally, [redacted] also expresses concern that the above-referenced account is reporting as “days past due” on her consumer credit files Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” As a debt buyer, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – factoring company account; additional information – collection account The term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment Further, e-OSCAR, the online credit reporting system, provides the following definition of a factoring company: “Factoring Company - A company that purchases accounts with the intent of collecting debts owed.” Finally, Midland Credit has been advised by two credit reporting agencies that it should be classified as a factoring company for credit reporting purposes [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported In addition, if [redacted] obtained her credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies Lastly, [redacted] indicates that the tradeline she is concerned with may have been placed on her account by a company called “ [redacted] .” Please note, [redacted] is not an entity that is, in any way, associated with Midland Credit or Midland Funding If [redacted] has concerns about a tradeline that [redacted] has placed on her consumer credit file, she will have to address the matter directly with them If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Thank you for your letter inquiry dated July 30, 2014, regarding Mr***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 4, Information provided by the seller, Asset Acceptance, LLC, at the time of acquisition indicates this account was originated on February 19, as a [redacted] credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 10, The balance at the time of purchase was $ Mr [redacted] writes that Midland Credit told him it is illegal to delete the account from his consumer credit files according to the Fair Credit reporting Act (“FCRA”), and expresses concern that the statement is in violation of the FCRA Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights Please note that the alleged conduct described by Mr [redacted] has been investigated, and Midland Credit has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law Mr [redacted] also expresses a desire to have the above-referenced account deleted from his consumer credit files upon resolving the balance Please note that it is Midland Credit’s policy to report all accounts accurately Should Mr [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should Mr [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry dated November 5, 2014, regarding [redacted] ***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 30, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on May 1, 2005, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, The balance at the time of purchase was $ [redacted] expresses a concern that his validation requests have been ignored On January 17, 2012, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt [redacted] also expresses concern that he never opened an account with Midland Credit As indicated above, the account originated with *** Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency The underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit [redacted] also questions whether Midland Credit is able to assess interest and fees to the above-referenced account Please note that the account was purchased from the seller with all rights Interest charged by the original creditor is allowable by law Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance In the meantime, per [redacted] ***’s request, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives regarding the account and all correspondence will be sent via the United States Postal Service Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
First of all I am looking through this supposed bill that I own them for a two camera that was order under my name in 2006??! and I have never had a [redacted] IN MY LIFE!!! s a [redacted] [redacted] account number ending in ***They are trying to charge me interested and collect on something that I HAVE NO idea of its illegal practice! Obviously this is a case of FRAUD! 2nd they said they try to contact me in( [redacted] expresses a concern that their validation requests have been ignoredOn February 16, 2012, ) I WANT SEE PROOF OF THAT!!! I have never contact them and didn't even know I own this money until I saw it on my credit report in If they are opening this account and reporting to my credit without proper LEGAL RIGHTS I WANT TO SEE all the documentation of my "SUPPOSED" corresponding to them 3rd if this account have been supposedly open under my name in according to the years LAW IT CAN NOT BE COLLECTED ON! its I HAVE NEVER CONTACT THEM in regard to anything in to open this account up IF THEY THINK THAT I AM GOING TO PAY THEM cent for this FRAUD Case their Dreaming THEY Are obviously operating an ILLEGAL CREDIT CARD PRACTICE TRYING TO COLLECT money from someone who has no idea of what is going on and trying to add up "FEES" That have no validity They need to close my account down IMMEDIATELY! Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have received a detailed letter from an attorney with [redacted] and the dates and information provided by the original creditor to me do not match the information provided in this response from MidlandI have also reviewed by credit reports (pulled FROM the bureaus, not a compiling) and have Midland showing as updating on [redacted] with a Key Derogatory in Feb and [redacted] showing as OpenAgain, per FCRA 623, I request that Midland delete this tradeline from all three reporting agencies or I will be filing a complaint with the FTC and CFPB Regards, [redacted]
August 28, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] ** [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated August 14, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 4, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 5, The balance at the time of purchase was $ [redacted] sent in full payment of $111.87, which was posted to the account on May 21, On or about July 26, 2013, Midland Credit received notice from the seller that the account was sold in error, having been paid prior to its sale to Midland Funding The account has since been recalled to the seller [redacted] expresses a concern that Midland Credit representatives were rude to her and that she has yet to receive the refund she had been advised would be sent to her Midland Credit has finished conducting its investigation regarding the alleged conduct of its employeesIt has not determined that its representatives acted rudely, however, there was confusion on which company would be providing [redacted] with her refund which is the reason she has yet to receive it Midland Credit apologizes for this and is currently expediting the refund to [redacted] via FedEx to her home address provided within the complaint Although such refunds typically can take four to six weeks, the refund is expected to be mailed out within the next business days Additionally, [redacted] expresses concern that the account was reported to the credit bureaus A review of Midland Credit’s business records indicates that following receipt of her payment, the account was appropriately updated to reflect a paid status with the credit reporting agencies However, upon receipt of the recall notice from the seller, it appears that although the account was properly adjusted within Midland Credit computer system, the update to remove the account from ** [redacted] ’s consumer credit files may not have been applied as intended With that said, a notice of possible dispute of the credit reporting was received by Midland Credit from [redacted] in March of at which time the credit-reporting agency was advised to delete the account In order to reconfirm the above-referenced account is no longer being reported to any of the three credit-reporting agencies, an instant update was sent to them on August 26, to delete any remaining reference to the above-referenced account from [redacted] ’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Per Midland assigning numbers to the complaint Pointless!Still an offshore boiler room looking for vulnerable citizens to defraud This response is just an obfuscation They will continue to do what they are doingProbably to your Grandmother or Aunt[redacted] ***>>>>>>>>Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I was notified that my complaints against Midland Credit Management is considered resolvedI did not see this business' s response until Revdex.com San Diego sent me notice of resolved statusPlease reopen this complaintMidland Credit Management is a junk debt buyer (jdb)They have not adequate provided verification of any debt submitted to the credit reporting agencies via my credit reportsAt least one of the company's they are reporting was shut down by the government and is no long in businessThis jdb has re- aged the account according to their date of purchase Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit ManagementTo date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as wellAs of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer’s rightsTheir illegal actions have caused thousands upon thousands of consumer’s credit files to be tainted with negative remarksI realize that litigation against this company is the next step in my processI thank you one again for your time and I look forward to having Midland Credit Management removed from my credit files.This jdb needs to remove all of their obsolete, erroneous, and derogatory information from my credit files immediately
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The reason I am rejecting this is one for the fact that this company has made it very hard for me to apply for any type of leasing, high interest rates on my credit cardsI have repeatedly tried to tell this company about the communication error and the mix up of the whole phone contractThis company was very rude at times and during my explanations or any type of negotiations, they would hang up on me call me once a day and I felt harassedThe main reason why I rejecting this offer is just yesterday 8/25/I still see this debt on my credit report still as an OPEN NEGATIVE ACCOUNT which is killing my credit score monthlyAs read this company was told and acknowledged that the account contract was in error and replaced my the selling company [redacted] , and that this would be deleted or erasedIt is now weeks later and nothing has changedI have also read many reviews about Credit Management, saying they don't comply with consumers and it's a long duration for them to conduct any credit statusesI really need this problem resolved before I take legal action
Dear [redacted] ***: Thank you for your letter inquiry dated September 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received via E-mailMidland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 28, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on August 29, as a [redacted] cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number ***Subsequently, the account was charged-off as an unpaid delinquent-debt on April 8, The charge-off balance was $1, Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $2, [redacted] *** expresses a concern that her validation requests have been ignoredOn January 12, 2013, Midland Credit mailed [redacted] *** a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] *** via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] *** in response to the letter, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] *** and collect the debt A review of Midland Credit’s business records indicates that it received notification from the credit reporting agencies on October 16, 2013, notifying it of a possible disputeIn response, on October 18, 2013, Midland Credit mailed a copy of the verification information provided by the seller to [redacted] *** Another copy of the verification information provided by the seller is enclosed Lastly, [redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to [redacted] ***’s concern Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller As referenced above, the open date listed on [redacted] ***’s credit report is in fact the date of purchase by Midland FundingIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will settle the debt Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear Ms***: Thank you for your letter inquiry dated November 6, 2014, regarding Ms [redacted] ‘s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Ms [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosedAn investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on September 8, Information provided by the seller, [redacted] , LLC, at the time of acquisition indicates this account was originated on November 15, 2005, as a [redacted] VISA card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 28, The balance at the time of purchase was $ Ms [redacted] expresses a concern in regard to the validity of the debt On December 5, 2009, Midland Credit mailed Ms [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to Ms [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Ms [redacted] on September 12, 2014, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt Ms [redacted] also questions whether the above-referenced account may be reported on her consumer credit files, due to an order issued by the Federal Trade Commission (“FTC”), which Ms [redacted] states applies to the credit reporting of the above-referenced account After reviewing both the account information, as well as a copy of FTC order [redacted] , please note that while the FTC may have issued an order against the [redacted] and [redacted] , LLC providing restitution payments to certain defined consumers, it does not render all accounts ever issued by [redacted] invalid or unenforceable Part II of the FTC order provides that only affected accounts in which the restitution payments were greater than the balance due were to be removed from a consumer’s credit files Accounts in which a balance remained after an adjustment for restitution payments, the consumer’s credit files were allowed to be updated under the FTC order Prior to receiving Ms [redacted] ’s complaint, Midland Credit received additional correspondence from Ms [redacted] disputing the debt Although her request was not timely, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry dated October 8, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 18, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 31, The balance at the time of purchase was $5, While not the only item of concern identified within [redacted] ’s complaint, she claims Midland Credit representatives contacted her excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law [redacted] also expresses concern that Midland Credit representatives requested her to verify her Social Security Number It is Midland Credit’s policy to verify the consumer’s information on each call to ensure it does not disclose personal information to the wrong individual, as well as to protect the privacy of those with whom Midland Credit conducts business Aside from the above, [redacted] indicates she was not aware that Midland was attempting to collect on this debt prior to receiving a court notification However, on June 2, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C § 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt When a resolution was not reached, on February 3, 2013, this account was referred to Midland Credit’s Internal Legal Collections Department (“Internal Legal”) Their mailing address is PO Box 939033, San Diego, CA Their phone number is [redacted] A copy of the complaint has been forwarded to the firm Suit was filed on April 4, 2013, and judgment was subsequently awarded on September 13, [redacted] also writes that she has sent multiple notifications to Internal Legal Internal Legal advised that they received correspondence from [redacted] on May 1, 2013, offering to pay $per month on her account In response, a letter was sent to [redacted] requesting her to call Internal Legal to set up a payment plan On September 19, 2013, they received correspondence stating that the consumer was currently experiencing hardship, and offered to submit lowered payments Another letter was sent to [redacted] requesting that she call Internal Legal to set up a repayment plan When a resolution could not be reached, on January 8, 2014, an intent to garnish notice was sent to [redacted] She subsequently returned the notice to Internal Legal on January 29, 2014, along with a voluntary payment of $in an attempt to avoid the garnishment This was not a satisfactory amount to avoid garnishment, and the garnishment was filed on February 10, Further review indicates that on April 9, 2014, an Internal Legal representative attempted to call [redacted] in order to release the garnishment and establish payment plan Internal Legal could not reach her, and she did not return the call Lastly, [redacted] writes that she is experiencing hardship During a conversation with Internal Legal on September 25, 2014, she was advised that she had to provide documentation supporting her hardship The documentation was received on September 29, After review, Internal Legal agreed to modify her garnishment, lowering it to $per month The garnishment modification paper work was mailed to her on October 3, A copy is enclosed along with a copy of the judgment Midland Credit encourages [redacted] to continue to work with Internal Legal to assist in reaching a positive resolution [redacted] may reach Internal Legal at their contact information provided above In the meantime, per [redacted] ’s request, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 24, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced accounts [redacted] phone number, [redacted] , was first disabled after a phone conversation, presumably with her, on May 27, 2014; however, subsequently, her number was provided to Midland Credit by a third party vendor for a different account [redacted] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts and she will no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [redacted] phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California
October 13, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated September 29, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] 's complaint indicates that she has consulted with an attorney Going forward, all communication about the matter should be handled by her attorney Please note that Midland Credit has not received any notification that she has retained an attorney, and respectfully requests that she provide the documentation showing that an attorney has been retained so that Midland Credit may update the account accordingly with her attorney's information If [redacted] has not retained an attorney, Midland Credit respectfully requests that she provide it with written notice so that it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 27, as an [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April, 7, The balance at the time of purchase was $1, [redacted] expresses a concern that her validation requests have been ignored On January 2, 2010, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt A review of Midland Credit’s business records indicates that it received notification from the credit reporting agencies on July 18, of a possible dispute Although the request was not timely, verification information provided by the seller was mailed on August 13, to [redacted] in response to her dispute Another copy of the verification information provided by the seller is enclosed A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please call Midland Credit Account Manager [redacted] at [redacted] *** to assist in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry dated August 8, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of pur***r, Midland Funding LLC (“Midland Funding”), on January 4, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 28, as a [redacted] *** account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, The balance at the time of pur [redacted] was $8, [redacted] states that Midland Credit has not provided verification of debt Midland Credit sent [redacted] a validation letter on January 9, to the same address listed within her complaint In the letter, Midland Credit informed that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied U.S.C§ Midland Credit’s business records indicate that it has not received any correspondence from [redacted] in response to that letter or pursuant to the Texas Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act [redacted] also expresses concern that Midland Credit is not reporting accurately on her consumer credit files A review of business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies However, in keeping with its Consumer-First policy, Midland Credit has submitted an instant update to the three major credit reporting agencies to reconfirm accurate reporting of its tradeline on [redacted] ***’s consumer credit files With that said, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records If [redacted] is ready to settle this debt, she may qualify for a reduction in her account balance Please have [redacted] ***’s attorney call Midland Credit Account Manager [redacted] at [redacted] *** to assist in reaching a resolution that will be both beneficial to [redacted] ***, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Hello, Please find attached a copy of the signed and dated release form as requested Thank you, [redacted]
Dear MsDyer: Thank you for your letter inquiry dated October 2, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed Please note, the October 2, response to the CFPB only referenced one of the above-referenced accounts as [redacted] ’s CFPB complaint indicated a singular [redacted] debt The only unpaid account belonging to him and being serviced by Midland Credit which originated with [redacted] is account no [redacted] Account no [redacted] is also a [redacted] account, but was settled in Account no [redacted] is a [redacted] account, which also was settled in 2012, but the creditor was not mentioned in either complaint With that said, as [redacted] references certified mail sent to Midland Credit in August of 2014, a review of the correspondence indicates he was disputing each of the above-referenced debts Accordingly, this response will address the concerns he has regarding all three accounts Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on November 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 28, as a [redacted] ***/ [redacted] credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 3, The balance at the time of purchase was $ Final payment on the account was received on May 15, You have no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on March 18, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 26, as a [redacted] credit card account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 18, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on January 25, Information provided by the seller, [redacted] Inc., at the time of acquisition indicates this account was originated on November 27, as a [redacted] / [redacted] general consumer loan account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 31, The balance at the time of purchase was $1, Final payment on the account was received on May 9, You have no further financial obligation for this account [redacted] expresses a concern that his validation requests have been ignored Midland Credit mailed [redacted] separate and unique validation letters – on December 2, for account no [redacted] , on April 1, for account no [redacted] , and on February 9, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters Due to administrative oversight, the response to the CFPB indicated the first correspondence requesting validation was received September 5, by Midland Credit However, further review of Midland Credit’s business records indicates that the first correspondence requesting validation from [redacted] was received August 15, via certified mail, which still cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts [redacted] writes that when he contacted [redacted] , the representative advised him that there was no record of the above-referenced account Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] , the representative of the original credit provider may not have had access to the pertinent account information In his August 15, correspondence [redacted] also writes that the [redacted] had deleted their tradeline and provided a letter from the original creditor to that effect [redacted] appears to have decided to delete its tradeline when it sold the account Whether or not the original creditor is reporting the account, the account remains valid, due and owing In addition to the certified mail Midland Credit received on August 15, 2014, and September 5, 2014, Midland Credit also received several notices of possible dispute from the credit reporting agencies regarding the above-referenced accounts As [redacted] ’s concerns were substantively the same in each instance of dispute, Midland Credit responded with similar responses for the two paid accounts (nos [redacted] and [redacted] ) Individual letters were mailed to him on August 29, 2014, advising that each account was being reported accurately and that he had no further financial obligation to either of them As account no [redacted] has yet to be settled, letters advising [redacted] that Midland Credit denied any inaccurate reporting and needed additional documentation to investigate his concerns were mailed on August 29, 2014, and on September 12, To date, no supporting documentation has been received for this account A review of Midland Credit’s business records indicates that it is accurately reporting all three of the above-referenced accounts to the three major credit reporting agencies With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of a police report showing that he reported the fraudulent activity He may forward appropriate documentation to Consumer Support Services at the address on this letterhead If [redacted] is ready to settle account no [redacted] , he may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance [redacted] continues to have no further financial obligation for account nos [redacted] and [redacted] Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved I would like this to be noted on their Revdex.com record I was pretty upset Regards, [redacted]
April 20, VIA E-Mail MsL [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 28, Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, as a [redacted] cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 29, The balance at the time of purchase was $3, Ms [redacted] expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time Please assure Ms [redacted] that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code Ms***’s phone number contains an area code belonging to Yonkers, New York Based on that information, Midland Credit attempted to contact Ms [redacted] at times consistent with New York All calls were placed after 8:00am and prior to 9:pm local Yonkers time As described in the complaint, Ms [redacted] questions the alleged conduct of certain Midland Credit employees Please note that the alleged conduct described by Ms [redacted] is being investigated Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner Additionally, Ms [redacted] expresses a concern that, prior to Midland Funding’s purchase of the account, a [redacted] representative changed her phone plan without her consent, resulting in her account being forwarded to collectionsA review of Midland Credit’s business records indicate it was not advised of Ms***’s concerns with [redacted] prior to receipt of her complaint However, now that Midland Credit has been made aware of Ms***’s prior issues with [redacted] , in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from Ms***’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc Gregory Gerkin, Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 30, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 17, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on April 23, 2009, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 28, The balance at the time of purchase was $1, On March 20, 2011, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from her on January 5, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit received notification of a possible dispute through the credit reporting agencies on April 17, Although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to her dispute A copy of the verification information provided by the seller is enclosed [redacted] questions whether the account is collectible due to the expiration of the statute of limitations A review of Midland Credit’s business records indicates that the statute of limitations does not expire until August 28, However, please note that the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy Suit was filed on July 22, 2011, prior to the expiration of the statute of limitations Additionally, although the suit was subsequently dismissed without prejudice on December 6, 2011, please note that such a dismissal also does not extinguish the validity of the debt The above-referenced account still remains collectible, due and owing to Midland Credit A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies Midland Credit encourages [redacted] to continue to work with [redacted] *** to assist in reaching a positive resolution She may reach [redacted] *** at their contact information provided above Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry dated August 13, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on February 17, Information provided by the seller, [redacted] **, at the time of acquisition indicates this account was originated on May 2, as a [redacted] *** credit card account number ending in *** in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 27, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit is reporting incorrectly to her consumer credit files, and that her validation requests have been ignored On March 3, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on August 1, 2014, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Additionally, [redacted] also expresses concern that the above-referenced account is reporting as “days past due” on her consumer credit files Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” As a debt buyer, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – factoring company account; additional information – collection account The term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment Further, e-OSCAR, the online credit reporting system, provides the following definition of a factoring company: “Factoring Company - A company that purchases accounts with the intent of collecting debts owed.” Finally, Midland Credit has been advised by two credit reporting agencies that it should be classified as a factoring company for credit reporting purposes [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported In addition, if [redacted] obtained her credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies Lastly, [redacted] indicates that the tradeline she is concerned with may have been placed on her account by a company called “ [redacted] .” Please note, [redacted] is not an entity that is, in any way, associated with Midland Credit or Midland Funding If [redacted] has concerns about a tradeline that [redacted] has placed on her consumer credit file, she will have to address the matter directly with them If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Thank you for your letter inquiry dated July 30, 2014, regarding Mr***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 4, Information provided by the seller, Asset Acceptance, LLC, at the time of acquisition indicates this account was originated on February 19, as a [redacted] credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 10, The balance at the time of purchase was $ Mr [redacted] writes that Midland Credit told him it is illegal to delete the account from his consumer credit files according to the Fair Credit reporting Act (“FCRA”), and expresses concern that the statement is in violation of the FCRA Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights Please note that the alleged conduct described by Mr [redacted] has been investigated, and Midland Credit has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law Mr [redacted] also expresses a desire to have the above-referenced account deleted from his consumer credit files upon resolving the balance Please note that it is Midland Credit’s policy to report all accounts accurately Should Mr [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should Mr [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry dated November 5, 2014, regarding [redacted] ***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 30, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on May 1, 2005, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, The balance at the time of purchase was $ [redacted] expresses a concern that his validation requests have been ignored On January 17, 2012, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt [redacted] also expresses concern that he never opened an account with Midland Credit As indicated above, the account originated with *** Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency The underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit [redacted] also questions whether Midland Credit is able to assess interest and fees to the above-referenced account Please note that the account was purchased from the seller with all rights Interest charged by the original creditor is allowable by law Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance In the meantime, per [redacted] ***’s request, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives regarding the account and all correspondence will be sent via the United States Postal Service Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
First of all I am looking through this supposed bill that I own them for a two camera that was order under my name in 2006??! and I have never had a [redacted] IN MY LIFE!!! s a [redacted] [redacted] account number ending in ***They are trying to charge me interested and collect on something that I HAVE NO idea of its illegal practice! Obviously this is a case of FRAUD! 2nd they said they try to contact me in( [redacted] expresses a concern that their validation requests have been ignoredOn February 16, 2012, ) I WANT SEE PROOF OF THAT!!! I have never contact them and didn't even know I own this money until I saw it on my credit report in If they are opening this account and reporting to my credit without proper LEGAL RIGHTS I WANT TO SEE all the documentation of my "SUPPOSED" corresponding to them 3rd if this account have been supposedly open under my name in according to the years LAW IT CAN NOT BE COLLECTED ON! its I HAVE NEVER CONTACT THEM in regard to anything in to open this account up IF THEY THINK THAT I AM GOING TO PAY THEM cent for this FRAUD Case their Dreaming THEY Are obviously operating an ILLEGAL CREDIT CARD PRACTICE TRYING TO COLLECT money from someone who has no idea of what is going on and trying to add up "FEES" That have no validity They need to close my account down IMMEDIATELY! Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] ***