Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of Dr. [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry dated November 20, 2014, regarding Dr. [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 July 30, 2012. Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on May 31, 2007, as a [redacted] account number ending in [redacted], in the name of [redacted] Ajym, under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2011. The balance at the time of purchase was $358.85. Final payment on the account was received on October 29, 2012. Dr. [redacted] has no further financial obligation for this account.
Dr. [redacted] expresses a concern that [redacted] added erroneous insurance charges to the account, and that Midland Credit agreed to remove the account from his consumer credit files in exchange for payment resolving the balance. Midland Credit has not received any documentation supporting Dr. [redacted]’s claim, or any indication from the seller that charges on the account were inaccurate. Additionally, while Midland Credit is pleased that it was able to assist Dr. [redacted] in reaching a resolution which settled the balance for the above-referenced account, a review of its business records does not appear to indicate any agreement was made to remove the account from his consumer credit files as part of that resolution.
With that said, in keeping with its Consumer-First policy, Midland Credit will fulfill Dr. [redacted]’s request. While the account will continue to reflect a paid status within Midland Credit’s files, the three major credit reporting agencies have been notified to remove the account from his consumer credit files.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Dr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 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
August 19, 2014
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry dated August 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 January 31, 2013. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on October 19, 2010 as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 9, 2011. The balance at the time of purchase was $287.95.
[redacted] expresses a concern that his validation requests have been ignored. On March 15, 2013, 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, 15 U.S.C. § 1692 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. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on July 14, 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 was accurately reporting the above-referenced account to the three major credit reporting agencies.
While Midland Credit has acted in a timely manner and has complied with all applicable laws, 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 [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]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 11, 2017. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business...
records indicates that [redacted] may have retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
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 26, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 11, 2011 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 15, 2014. The balance at the time of purchase was $1,049.96.
On December 17, 2014, Midland Credit mailed [redacted] a validation letter via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.
Midland Credit’s business records indicate that it did not receive any written 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 written correspondence requesting validation from [redacted] on August 2, 2016.
Prior to the written correspondence, Midland Credit had received notices of dispute from the credit reporting agencies and responded by mailing [redacted] verification information provided by the seller on July 11, 2016. Additional notifications were received from the credit reporting agencies and Midland Credit responded appropriately by mailing [redacted] the same verification information on February 17, 2017. Although the documentation was already mailed to [redacted] in response to his previous disputes, a copy of that documentation is again enclosed for his records.
[redacted] alleges that he continued to receive calls after he requested no further contact from Midland Credit. A review of Midland Credit’s business records indicate that during a call on September 11, 2016, [redacted] communicated that he did not want any further contact from Midland Credit. The representative marked the account accordingly at that time and no additional attempts have been made to contact [redacted] per his request. The above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction [redacted] account has been referred to Account Manager [redacted]. Please have [redacted] call [redacted] at [redacted] ext. [redacted] to assist him in reaching a resolution of the account balance.
Please note that Midland Credit recently updated its policy regarding paid trade lines where the date of delinquency is over two years old. Once the account balance has been resolved, Midland Credit will request deletion of the collection trade line from the three major credit reporting agencies by the next reporting cycle. At this time, [redacted] account qualifies for the collection trade line to be deleted under this policy should he choose to resolve the account.
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] ext. [redacted] should you have any further questions.
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.
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.
Regards,
[redacted]
Thank you for your follow up
letter
inquiry dated October 17, 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] previously filed similar complaints through the Consumer Financial
Protection Bureau (“CFPB”). Copies of
Midland Credit’s responses to the CFPB are enclosed. A review of Midland Credit’s business records
indicates that Ms. [redacted] has retained an attorney. Going forward, all
communication about the matter should be handled by her attorney. If Ms.
[redacted] is no longer represented by an attorney, please provide Midland Credit
with written notice so it may update its records and allow its representatives
to communicate with Ms. [redacted] 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 October 25, 2010.
Information provided by the seller, HSBC Bank Nevada, N.A., at the time
of acquisition indicates this account was originated on September 15, 2007 as
an HSBC Bank Nevada, N.A./Best Buy MasterCard account number ending in [redacted], in
the name of [redacted], under the last four of the social security
number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt
on September 30, 2010. The balance at the time of purchase was $1,046.45.
Ms. [redacted] questions the validity of the bill of
sale, stating that it has an address that she did not have when she had the
HSBC account. In its previous response
through your office, Midland Credit enclosed both a bill of sale and a copy of
the seller data sheet confirming the account was included in the purchase from
HSBC Bank Nevada, N.A. The seller data sheet is generated by Midland Credit
based on information provided by the seller, including the last known address
the seller had prior to its sale of the account to Midland Funding.
Additionally, Ms. [redacted]
writes that she enclosed documents showing the original tradeline on her credit
report showing the charge-off date listed as August 11, 2008, and that the
account is paid in full. Midland Credit
did not receive any documentation attached to the complaint. HSBC, as the original creditor, may be
reporting the account. HSBC’s decision to report the account does not
affect the validity of the debt. If Ms.
[redacted] has concerns regarding the information being reported by the original
creditor, she may dispute it directly with the credit reporting agencies.
Additionally, as referenced
above, the date of charge-off is September 20, 2010. Additionally, Midland Credit has consistently
reported the first delinquency date as March 11, 2010, and continues to
accurately report the above-referenced account to the three major credit
reporting agencies. While Midland Credit
is sensitive to Ms. [redacted]’s concerns, 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.
With that said, Midland
Credit stands ready to assist Ms. [redacted] in clearing her record if it is
somehow attempting to collect an account which was resolved prior to it
becoming the servicer. Midland Credit
requests that she provide documentation or evidence which substantiates her
claim. Ms. [redacted] may forward the
appropriate documentation to Consumer Support Services at the address on this letterhead.
In the meantime, the
above-referenced account will remain marked “Cease and Desist.” While it remains
due and owing, Ms. [redacted] will continue to no longer receive contact from
Midland Credit representatives unless a response is required by law.
Please
be assured 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 Ms. [redacted]. Thank you again for your assistance in this
matter. Please contact Midland Credit’s Consumer Support Services team at
(800) 825-8131 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
Enclosure
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.Midland claims they have honored the cease and desist and have not sent me any correspondence. Please see the attached letter they sent me. This clearly PROVES that they have been dishonest and have violated FCRA for which there will be legal action unless they redact this illegal and unproven information. What additional proof must I provide. I have additional letters also which are further violations of FCRA. We will be contacting a legal council regarding that.
Also they are claiming that they are unable to provide original contract which again proves that they are lying and are attempting to collect on an invalid debt. [redacted], just please Google them and see how many complaints Midland has over incorrect debts and FCRA violations. Why is a debt being reported which cannot be proven. The responder is clearly throwing legal jargon to build validity to an invalid debt claim.
Until that wrongful information is removed from the credit file, this issue is not resolved.Regards,[redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 21, 2015. 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 November 16, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 22, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, 2011. The balance at the time of purchase was $548.04.
[redacted] 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.
[redacted] expresses a concern that their validation requests have been ignored. On November 24, 2011, Midland Credit mailed [redacted] a validation letter, which informed them that Midland Funding had acquired the account, and of their rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within their complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
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 September 22, 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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.
As referenced above, Midland Credit received [redacted]’s correspondence on September 22, 2014. Although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to their dispute. A copy of the verification information provided by the seller is enclosed.
Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”). The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999).
If [redacted] is ready to resolve this debt, they may qualify for a reduction in their account balance. Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to help resolve this account balance.
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.
Per [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by 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
Dear [redacted]
Thank you for your follow-up letter inquiry dated September 23, 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] expresses dissatisfaction with Midland Credit’s previous response. Midland Credit maintains its previous position as stated in the response. Midland Credit does not have a record of a March 2014 conversation with [redacted] and its policy is to report all accounts accurately. The above-referenced account was resolved via [redacted] making the agreed upon payments. The correct and accurate status of the account as paid is accurately being reported to the credit reporting agencies.
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, Leg** Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in C**ifornia
[redacted]
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 attorney. Going 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[redacted]r, Midland Funding LLC (“Midland Funding”), on January 4, 2011. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on November 28, 1990 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, 2009. The balance at the time of pur[redacted] was $8,578.77.
[redacted] states that Midland Credit has not provided verification of debt. Midland Credit sent [redacted] a validation letter on January 9, 2011 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, 15 U.S.C. § 1692 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. 15 U.S.C. § 1692.
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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 [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, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 2, 2001 as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on June 27, 2010. The balance at the time of purchase was $444.35.
[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, 15 U.S.C. § 1692 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 “120 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 “120 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]
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 never received a debt validation letter from Midland Credit Management, could Midland Credit Management please provide an address where this letter was sent in Jan 2013. Please also keep in mind that I never received any type of bill from [redacted] after cancelling my account, not one. I would like for Midland Credit Management to provide a det ailed explanation of charges, not a print out like the one that was provided but I would like to know what the $1530.43 balance consist of as well as the $10.07 late fee on a closed account, and early termination fees $410.07 when I was informed by a [redacted] representative that I would not be responsible for cancellation fees due to the circumstances.
I was under contract with [redacted] and they didn't hold up their end of the agreement so I had legal grounds to terminate the contract. The account was closed by me in Dec 2011 not by [redacted] on 04/08/2012. I don't understand how a closed account accumulated $2447.43 worth of charges as well as [redacted] never attempting to collect on this high balance and just selling to a Third Party. I have attempted to contact [redacted] but they stated they no longer own this account and provided me with [redacted] to contact Midland.
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted] and [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 8, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 2, 2012. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on December 30, 2006, as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 31, 2010. The balance at the time of purchase was $1,099.49.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on April 2, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 3, 2007, as a [redacted] [redacted] account number ending in [redacted], in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, 2010. The balance at the time of purchase was $1,067.38.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on May 28, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 26, 2007, as a [redacted] account number ending in [redacted], in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the credit card account was charged-off as an unpaid delinquent-debt on June 21, 2009. The balance at the time of purchase was $989.65.
[redacted] writes that Midland Credit has refused to provide evidence that he owes money and requests for validation documentation. Midland Credit sent separate and unique validation letters to [redacted] on April 27, 2012 for account nos. [redacted] and [redacted], and on June 6, 2010 for account no. [redacted]. In the letters, Midland Credit informed [redacted] that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.
Midland Credit’s business records indicate that it received the first written correspondence from [redacted] on May 2, 2014 regarding the accounts. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 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. Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] separate and unique response letters on June 4, 2014 advising him Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate.
[redacted] also writes that writes that Midland Credit has re-aged the debts. While Midland Credit is sensitive to his concern, it 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. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on the accounts reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open date listed on [redacted]’s credit report is in fact the date of purchase by Midland Funding.
Lastly, [redacted] indicates that the accounts are past their statute of limitations, and requests that Midland Credit remove its tradeline from his consumer credit files. A review of Midland Credit’s business records indicates that the statute of limitations expired on May 5, 2014 for account no. [redacted], on April 4, 2014 for account no. [redacted], and on December 23, 2012 for account no. [redacted]. However, please note that the passing of the statute of limitations does not extinguish the validity of the debts. Rather, it eliminates litigation as a potential remedy.
Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debts. It only prevents the accounts from being reported to the credit reporting agencies. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the accounts does not expire until May 2017 for account no. [redacted], April 2017 for account no. [redacted], and December 2015 for account no. [redacted].
Please note that based on the information provided by the sellers, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate. Midland Credit will be closing its investigation of [redacted]’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act.
If [redacted] is ready to settle the debts, he may qualify for a reduction in the account balances. Please have [redacted] call Midland Credit 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 balances.
In the meantime, per his previous request, the accounts will remain marked “Direct Mail Only.” While they remain due and owing, [redacted] will continue to not 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]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]...
[redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 10, 2015. 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 July 30, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on November 18, 2011, as a [redacted] account number ending in [redacted], in the name of Monique Outlaw, under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 29, 2014. The balance at the time of purchase was $616.97.
[redacted] expresses concern that she was unable to resolve the balance on the account with the original creditor. She also requests that her account be restored, all fees waived, and that she be allowed to pay $25.00 per month. 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.
While Midland Credit is unable restore the use of the credit line of the original account, it stands ready to assist [redacted] in resolving the balance. Midland Credit will accept [redacted]’s offer of monthly $25.00 payments toward the balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist in setting up a payment plan.
[redacted] also expressed concern with how her complaints have been handled by the Revdex.com (“Revdex.com”). Midland Credit is unable to comment on the actions of the Revdex.com. If [redacted] has further concerns with the actions of the Revdex.com, she should contact them directly.
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
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 22, 2015. 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 is the servicer of the two accounts belonging to [redacted].
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on December 6, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 26, 2008, as an [redacted] general consumer loan account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 6, 2008. The balance at the time of purchase was $1,027.65.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on January 29, 2013. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on August 19, 2010, as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 11, 2013. The balance at the time of purchase was $745.66.
[redacted] expresses a concern that there are two accounts listed on his credit report that are beyond the legal reporting age. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period does not expire until June 2015 for account no. [redacted] and July 2019 for account no. [redacted]. Please note that this does not extinguish the debt. Rather, it prevents the accounts from being reported to the credit reporting agencies. The accounts will remain collectible, due and owing to Midland Credit.
[redacted] also expresses a concern that the accounts were previously removed from his credit report; however, Midland Credit has subsequently begun reporting the accounts. While Midland Credit is sensitive to [redacted]’s concern, Midland Credit’s business records reflect that it has been reporting the accounts since they were purchased, and the federal reporting period for the accounts has not yet expired. Midland Credit is accurately reporting the above-referenced accounts to the three major credit reporting agencies.
With that said, if [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances. Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances.
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
VIA E-Mail
[redacted]
[redacted]
[redacted]
[redacted]
Re: Consumer complaint of [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 18, 2017. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that Ms. [redacted] has retained an attorney. Midland Credit has no record of her attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Ms. [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
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 27, 2016. Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on January 25, 2015, as a [redacted] Bank/Amazon credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number 2802. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 25, 2016. The balance at the time of purchase was $990.71.
A review of Midland Credit’s business records indicates that on June 22, 2016, this account was placed with [redacted] [redacted] (“ACF”) for servicing, but was placed back to Midland Credit on August 16, 2016 after ACF received a verbal dispute from Ms. [redacted].
In response to Ms. [redacted]’s dispute, Midland Credit mailed her verification information provided by the seller on August 19, 2016, along with a letter advising her that Midland Credit had investigated her dispute and had determined that it’s records and the information it was furnishing to the credit reporting agencies was accurate. Although verification information provided by the seller was already mailed to Ms. [redacted] in response to her previous dispute, a copy of that documentation is again enclosed for her records.
In the complaint, Ms. [redacted] alleges that she contacted [redacted] multiple times in 2014 to notify them that she had never received the merchandise for which she was billed. As mentioned above, this account wasn’t opened until January 25, 2015, which is after her alleged contact with [redacted].
Midland Credit contacted the seller and confirmed that Ms. [redacted] disputed the account for fraud on April 20, 2016, through the credit reporting agencies, but she never responded to the sellers request for further information to substantiate her claim. Additionally, the seller has no record of receiving a complaint from Ms. [redacted] indicating that she did not receive the merchandise for which she was billed.
Ms. [redacted] states that Midland Credit has no right to bill her or furnish information to her credit report. Consumers are sometimes 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. Please note that 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, Midland Funding, has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Ms. [redacted] mentions that when she spoke with Midland Credit representatives she had requested that no calls be made to her work place. On July 12, 2016, per her request, Ms. [redacted]’s work phone number was marked as “Do Not Call” by the representative she spoke with that day. No calls were subsequently placed to that phone number. 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 m[redacted]er.
If Ms. [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance. Please have Ms. [redacted] call Account Manager [redacted] at [redacted] ext. [redacted] to assist her in reaching a resolution of the account balance.
The above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms. [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law.
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) 825-8131 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
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 3, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter...
indicates that Midland Credit is the servicer of two accounts belonging to [redacted]. Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 31, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 17, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 1, 2011. The balance at the time of purchase was $498.44. Final payment on the account was received on May 10, 2012. [redacted] has no further financial obligation for this account.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on May 9, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 10, 2007, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 12, 2011. The balance at the time of purchase was $776.05.
As indicated above, after [redacted] had resolved the balance for account no. [redacted], Midland Funding subsequently purchased a separate account from [redacted] and assigned it to Midland Credit for servicing. It appears that attempts to collect on the second account may be the basis for his concerns.
[redacted] also expresses a concern that Midland Credit representatives have contacted him 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.
If [redacted] is ready to resolve account no. [redacted], [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 resolve the account balance.
In the meantime, per [redacted]'s concerns about receiving calls and letters from Midland Credit, account no. [redacted] has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by 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
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.
Regards,
[redacted]
May 25, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM#[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 11, 2016. Midland Credit appreciates the opportunity to answer your questions.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 2, 2016. [redacted] states that she never received any correspondence with Midland Credit’s previous response. In its previous response, Midland Credit advised that it had acknowledged [redacted] dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. Please note, the investigation of [redacted]’s dispute is on-going and a conclusion has not yet been reached. A response will be provided upon the conclusion of Midland Credit’s investigation.
[redacted] also expresses concern that the above referenced account is reporting on her [redacted] credit report. In its previous response, Midland Credit advised [redacted] that it would not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debt. Midland Credit’s business records indicate the trade line was already removed. Please note, Midland Credit submits updates to the credit reporting agencies each month, however, it may take additional time for the credit reporting agencies to update the information that is being provided to them. [redacted] is encouraged to communicate directly with the credit reporting agencies should she have any further concerns.
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]
May 25, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 11, 2016. Midland Credit appreciates the opportunity to answer your questions. Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 2, 2016.
[redacted] expresses a concern that he could not have received letters because Midland Credit had the wrong address. Please note, information provided by the seller at the time of purchase by Midland Funding indicates that the current address of [redacted] was [redacted] In reliance on that information, Midland Credit attempted to contact [redacted] regarding the referenced account using that address.
During a call on April 11, 2016, [redacted] advised a Midland Credit representative that the address was not correct. [redacted] proceeded to provide the representative with his correct address, which was appropriately updated at that time. On April 13, 2016 a letter was mailed to [redacted] at the updated address, advising him that the account was being investigated.
With that said, as indicated in its previous response to your office, Midland Credit acknowledged [redacted] dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt. Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office. Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of 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]
December 4, 2014
VIA E-Mail
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of Dr. [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry dated November 20, 2014, regarding Dr. [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 July 30, 2012. Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on May 31, 2007, as a [redacted] account number ending in [redacted], in the name of [redacted] Ajym, under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2011. The balance at the time of purchase was $358.85. Final payment on the account was received on October 29, 2012. Dr. [redacted] has no further financial obligation for this account.
Dr. [redacted] expresses a concern that [redacted] added erroneous insurance charges to the account, and that Midland Credit agreed to remove the account from his consumer credit files in exchange for payment resolving the balance. Midland Credit has not received any documentation supporting Dr. [redacted]’s claim, or any indication from the seller that charges on the account were inaccurate. Additionally, while Midland Credit is pleased that it was able to assist Dr. [redacted] in reaching a resolution which settled the balance for the above-referenced account, a review of its business records does not appear to indicate any agreement was made to remove the account from his consumer credit files as part of that resolution.
With that said, in keeping with its Consumer-First policy, Midland Credit will fulfill Dr. [redacted]’s request. While the account will continue to reflect a paid status within Midland Credit’s files, the three major credit reporting agencies have been notified to remove the account from his consumer credit files.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Dr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 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]
August 19, 2014
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry dated August 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 January 31, 2013. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on October 19, 2010 as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 9, 2011. The balance at the time of purchase was $287.95.
[redacted] expresses a concern that his validation requests have been ignored. On March 15, 2013, 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, 15 U.S.C. § 1692 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. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on July 14, 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 was accurately reporting the above-referenced account to the three major credit reporting agencies.
While Midland Credit has acted in a timely manner and has complied with all applicable laws, 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 [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]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 11, 2017. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business...
records indicates that [redacted] may have retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
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 26, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 11, 2011 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 15, 2014. The balance at the time of purchase was $1,049.96.
On December 17, 2014, Midland Credit mailed [redacted] a validation letter via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.
Midland Credit’s business records indicate that it did not receive any written 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 written correspondence requesting validation from [redacted] on August 2, 2016.
Prior to the written correspondence, Midland Credit had received notices of dispute from the credit reporting agencies and responded by mailing [redacted] verification information provided by the seller on July 11, 2016. Additional notifications were received from the credit reporting agencies and Midland Credit responded appropriately by mailing [redacted] the same verification information on February 17, 2017. Although the documentation was already mailed to [redacted] in response to his previous disputes, a copy of that documentation is again enclosed for his records.
[redacted] alleges that he continued to receive calls after he requested no further contact from Midland Credit. A review of Midland Credit’s business records indicate that during a call on September 11, 2016, [redacted] communicated that he did not want any further contact from Midland Credit. The representative marked the account accordingly at that time and no additional attempts have been made to contact [redacted] per his request. The above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction [redacted] account has been referred to Account Manager [redacted]. Please have [redacted] call [redacted] at [redacted] ext. [redacted] to assist him in reaching a resolution of the account balance.
Please note that Midland Credit recently updated its policy regarding paid trade lines where the date of delinquency is over two years old. Once the account balance has been resolved, Midland Credit will request deletion of the collection trade line from the three major credit reporting agencies by the next reporting cycle. At this time, [redacted] account qualifies for the collection trade line to be deleted under this policy should he choose to resolve the account.
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] ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
[redacted]
[redacted]
[redacted]
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.
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.
Regards,
[redacted]
Thank you for your follow up
letter
inquiry dated October 17, 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] previously filed similar complaints through the Consumer Financial
Protection Bureau (“CFPB”). Copies of
Midland Credit’s responses to the CFPB are enclosed. A review of Midland Credit’s business records
indicates that Ms. [redacted] has retained an attorney. Going forward, all
communication about the matter should be handled by her attorney. If Ms.
[redacted] is no longer represented by an attorney, please provide Midland Credit
with written notice so it may update its records and allow its representatives
to communicate with Ms. [redacted] 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 October 25, 2010.
Information provided by the seller, HSBC Bank Nevada, N.A., at the time
of acquisition indicates this account was originated on September 15, 2007 as
an HSBC Bank Nevada, N.A./Best Buy MasterCard account number ending in [redacted], in
the name of [redacted], under the last four of the social security
number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt
on September 30, 2010. The balance at the time of purchase was $1,046.45.
Ms. [redacted] questions the validity of the bill of
sale, stating that it has an address that she did not have when she had the
HSBC account. In its previous response
through your office, Midland Credit enclosed both a bill of sale and a copy of
the seller data sheet confirming the account was included in the purchase from
HSBC Bank Nevada, N.A. The seller data sheet is generated by Midland Credit
based on information provided by the seller, including the last known address
the seller had prior to its sale of the account to Midland Funding.
Additionally, Ms. [redacted]
writes that she enclosed documents showing the original tradeline on her credit
report showing the charge-off date listed as August 11, 2008, and that the
account is paid in full. Midland Credit
did not receive any documentation attached to the complaint. HSBC, as the original creditor, may be
reporting the account. HSBC’s decision to report the account does not
affect the validity of the debt. If Ms.
[redacted] has concerns regarding the information being reported by the original
creditor, she may dispute it directly with the credit reporting agencies.
Additionally, as referenced
above, the date of charge-off is September 20, 2010. Additionally, Midland Credit has consistently
reported the first delinquency date as March 11, 2010, and continues to
accurately report the above-referenced account to the three major credit
reporting agencies. While Midland Credit
is sensitive to Ms. [redacted]’s concerns, 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.
With that said, Midland
Credit stands ready to assist Ms. [redacted] in clearing her record if it is
somehow attempting to collect an account which was resolved prior to it
becoming the servicer. Midland Credit
requests that she provide documentation or evidence which substantiates her
claim. Ms. [redacted] may forward the
appropriate documentation to Consumer Support Services at the address on this letterhead.
In the meantime, the
above-referenced account will remain marked “Cease and Desist.” While it remains
due and owing, Ms. [redacted] will continue to no longer receive contact from
Midland Credit representatives unless a response is required by law.
Please
be assured 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 Ms. [redacted]. Thank you again for your assistance in this
matter. Please contact Midland Credit’s Consumer Support Services team at
(800) 825-8131 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
Enclosure
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.Midland claims they have honored the cease and desist and have not sent me any correspondence. Please see the attached letter they sent me. This clearly PROVES that they have been dishonest and have violated FCRA for which there will be legal action unless they redact this illegal and unproven information. What additional proof must I provide. I have additional letters also which are further violations of FCRA. We will be contacting a legal council regarding that.
Also they are claiming that they are unable to provide original contract which again proves that they are lying and are attempting to collect on an invalid debt. [redacted], just please Google them and see how many complaints Midland has over incorrect debts and FCRA violations. Why is a debt being reported which cannot be proven. The responder is clearly throwing legal jargon to build validity to an invalid debt claim.
Until that wrongful information is removed from the credit file, this issue is not resolved.Regards,[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 21, 2015. 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 November 16, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 22, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, 2011. The balance at the time of purchase was $548.04.
[redacted] 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.
[redacted] expresses a concern that their validation requests have been ignored. On November 24, 2011, Midland Credit mailed [redacted] a validation letter, which informed them that Midland Funding had acquired the account, and of their rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within their complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
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 September 22, 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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.
As referenced above, Midland Credit received [redacted]’s correspondence on September 22, 2014. Although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to their dispute. A copy of the verification information provided by the seller is enclosed.
Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”). The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999).
If [redacted] is ready to resolve this debt, they may qualify for a reduction in their account balance. Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to help resolve this account balance.
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.
Per [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by 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]
Enclosure </
Dear [redacted]
Thank you for your follow-up letter inquiry dated September 23, 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] expresses dissatisfaction with Midland Credit’s previous response. Midland Credit maintains its previous position as stated in the response. Midland Credit does not have a record of a March 2014 conversation with [redacted] and its policy is to report all accounts accurately. The above-referenced account was resolved via [redacted] making the agreed upon payments. The correct and accurate status of the account as paid is accurately being reported to the credit reporting agencies.
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, Leg** Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in C**ifornia
[redacted]
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 attorney. Going 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[redacted]r, Midland Funding LLC (“Midland Funding”), on January 4, 2011. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on November 28, 1990 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, 2009. The balance at the time of pur[redacted] was $8,578.77.
[redacted] states that Midland Credit has not provided verification of debt. Midland Credit sent [redacted] a validation letter on January 9, 2011 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, 15 U.S.C. § 1692 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. 15 U.S.C. § 1692.
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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 [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, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 2, 2001 as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on June 27, 2010. The balance at the time of purchase was $444.35.
[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, 15 U.S.C. § 1692 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 “120 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 “120 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]
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 never received a debt validation letter from Midland Credit Management, could Midland Credit Management please provide an address where this letter was sent in Jan 2013. Please also keep in mind that I never received any type of bill from [redacted] after cancelling my account, not one. I would like for Midland Credit Management to provide a det ailed explanation of charges, not a print out like the one that was provided but I would like to know what the $1530.43 balance consist of as well as the $10.07 late fee on a closed account, and early termination fees $410.07 when I was informed by a [redacted] representative that I would not be responsible for cancellation fees due to the circumstances.
I was under contract with [redacted] and they didn't hold up their end of the agreement so I had legal grounds to terminate the contract. The account was closed by me in Dec 2011 not by [redacted] on 04/08/2012. I don't understand how a closed account accumulated $2447.43 worth of charges as well as [redacted] never attempting to collect on this high balance and just selling to a Third Party. I have attempted to contact [redacted] but they stated they no longer own this account and provided me with [redacted] to contact Midland.
January 12, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted] and [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 8, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 2, 2012. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on December 30, 2006, as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 31, 2010. The balance at the time of purchase was $1,099.49.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on April 2, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 3, 2007, as a [redacted] [redacted] account number ending in [redacted], in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, 2010. The balance at the time of purchase was $1,067.38.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on May 28, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 26, 2007, as a [redacted] account number ending in [redacted], in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the credit card account was charged-off as an unpaid delinquent-debt on June 21, 2009. The balance at the time of purchase was $989.65.
[redacted] writes that Midland Credit has refused to provide evidence that he owes money and requests for validation documentation. Midland Credit sent separate and unique validation letters to [redacted] on April 27, 2012 for account nos. [redacted] and [redacted], and on June 6, 2010 for account no. [redacted]. In the letters, Midland Credit informed [redacted] that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.
Midland Credit’s business records indicate that it received the first written correspondence from [redacted] on May 2, 2014 regarding the accounts. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 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. Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] separate and unique response letters on June 4, 2014 advising him Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate.
[redacted] also writes that writes that Midland Credit has re-aged the debts. While Midland Credit is sensitive to his concern, it 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. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on the accounts reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open date listed on [redacted]’s credit report is in fact the date of purchase by Midland Funding.
Lastly, [redacted] indicates that the accounts are past their statute of limitations, and requests that Midland Credit remove its tradeline from his consumer credit files. A review of Midland Credit’s business records indicates that the statute of limitations expired on May 5, 2014 for account no. [redacted], on April 4, 2014 for account no. [redacted], and on December 23, 2012 for account no. [redacted]. However, please note that the passing of the statute of limitations does not extinguish the validity of the debts. Rather, it eliminates litigation as a potential remedy.
Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debts. It only prevents the accounts from being reported to the credit reporting agencies. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the accounts does not expire until May 2017 for account no. [redacted], April 2017 for account no. [redacted], and December 2015 for account no. [redacted].
Please note that based on the information provided by the sellers, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate. Midland Credit will be closing its investigation of [redacted]’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act.
If [redacted] is ready to settle the debts, he may qualify for a reduction in the account balances. Please have [redacted] call Midland Credit 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 balances.
In the meantime, per his previous request, the accounts will remain marked “Direct Mail Only.” While they remain due and owing, [redacted] will continue to not 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
February 24, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]...
[redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 10, 2015. 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 July 30, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on November 18, 2011, as a [redacted] account number ending in [redacted], in the name of Monique Outlaw, under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 29, 2014. The balance at the time of purchase was $616.97.
[redacted] expresses concern that she was unable to resolve the balance on the account with the original creditor. She also requests that her account be restored, all fees waived, and that she be allowed to pay $25.00 per month. 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.
While Midland Credit is unable restore the use of the credit line of the original account, it stands ready to assist [redacted] in resolving the balance. Midland Credit will accept [redacted]’s offer of monthly $25.00 payments toward the balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist in setting up a payment plan.
[redacted] also expressed concern with how her complaints have been handled by the Revdex.com (“Revdex.com”). Midland Credit is unable to comment on the actions of the Revdex.com. If [redacted] has further concerns with the actions of the Revdex.com, she should contact them directly.
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]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 22, 2015. 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 is the servicer of the two accounts belonging to [redacted].
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on December 6, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 26, 2008, as an [redacted] general consumer loan account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 6, 2008. The balance at the time of purchase was $1,027.65.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on January 29, 2013. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on August 19, 2010, as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 11, 2013. The balance at the time of purchase was $745.66.
[redacted] expresses a concern that there are two accounts listed on his credit report that are beyond the legal reporting age. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period does not expire until June 2015 for account no. [redacted] and July 2019 for account no. [redacted]. Please note that this does not extinguish the debt. Rather, it prevents the accounts from being reported to the credit reporting agencies. The accounts will remain collectible, due and owing to Midland Credit.
[redacted] also expresses a concern that the accounts were previously removed from his credit report; however, Midland Credit has subsequently begun reporting the accounts. While Midland Credit is sensitive to [redacted]’s concern, Midland Credit’s business records reflect that it has been reporting the accounts since they were purchased, and the federal reporting period for the accounts has not yet expired. Midland Credit is accurately reporting the above-referenced accounts to the three major credit reporting agencies.
With that said, if [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances. Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances.
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
January 27, 2017
VIA E-Mail
[redacted]
[redacted]
[redacted]
[redacted]
Re: Consumer complaint of [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 18, 2017. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that Ms. [redacted] has retained an attorney. Midland Credit has no record of her attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Ms. [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
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 27, 2016. Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on January 25, 2015, as a [redacted] Bank/Amazon credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number 2802. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 25, 2016. The balance at the time of purchase was $990.71.
A review of Midland Credit’s business records indicates that on June 22, 2016, this account was placed with [redacted] [redacted] (“ACF”) for servicing, but was placed back to Midland Credit on August 16, 2016 after ACF received a verbal dispute from Ms. [redacted].
In response to Ms. [redacted]’s dispute, Midland Credit mailed her verification information provided by the seller on August 19, 2016, along with a letter advising her that Midland Credit had investigated her dispute and had determined that it’s records and the information it was furnishing to the credit reporting agencies was accurate. Although verification information provided by the seller was already mailed to Ms. [redacted] in response to her previous dispute, a copy of that documentation is again enclosed for her records.
In the complaint, Ms. [redacted] alleges that she contacted [redacted] multiple times in 2014 to notify them that she had never received the merchandise for which she was billed. As mentioned above, this account wasn’t opened until January 25, 2015, which is after her alleged contact with [redacted].
Midland Credit contacted the seller and confirmed that Ms. [redacted] disputed the account for fraud on April 20, 2016, through the credit reporting agencies, but she never responded to the sellers request for further information to substantiate her claim. Additionally, the seller has no record of receiving a complaint from Ms. [redacted] indicating that she did not receive the merchandise for which she was billed.
Ms. [redacted] states that Midland Credit has no right to bill her or furnish information to her credit report. Consumers are sometimes 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. Please note that 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, Midland Funding, has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Ms. [redacted] mentions that when she spoke with Midland Credit representatives she had requested that no calls be made to her work place. On July 12, 2016, per her request, Ms. [redacted]’s work phone number was marked as “Do Not Call” by the representative she spoke with that day. No calls were subsequently placed to that phone number. 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 m[redacted]er.
If Ms. [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance. Please have Ms. [redacted] call Account Manager [redacted] at [redacted] ext. [redacted] to assist her in reaching a resolution of the account balance.
The above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms. [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law.
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) 825-8131 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
GJG: [redacted]
Enclosure
Dear M[redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 3, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter...
indicates that Midland Credit is the servicer of two accounts belonging to [redacted]. Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 31, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 17, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 1, 2011. The balance at the time of purchase was $498.44. Final payment on the account was received on May 10, 2012. [redacted] has no further financial obligation for this account.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on May 9, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 10, 2007, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 12, 2011. The balance at the time of purchase was $776.05.
As indicated above, after [redacted] had resolved the balance for account no. [redacted], Midland Funding subsequently purchased a separate account from [redacted] and assigned it to Midland Credit for servicing. It appears that attempts to collect on the second account may be the basis for his concerns.
[redacted] also expresses a concern that Midland Credit representatives have contacted him 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.
If [redacted] is ready to resolve account no. [redacted], [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 resolve the account balance.
In the meantime, per [redacted]'s concerns about receiving calls and letters from Midland Credit, account no. [redacted] has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by 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]
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.
Regards,
[redacted]
May 25, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM#[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 11, 2016. Midland Credit appreciates the opportunity to answer your questions.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 2, 2016. [redacted] states that she never received any correspondence with Midland Credit’s previous response. In its previous response, Midland Credit advised that it had acknowledged [redacted] dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. Please note, the investigation of [redacted]’s dispute is on-going and a conclusion has not yet been reached. A response will be provided upon the conclusion of Midland Credit’s investigation.
[redacted] also expresses concern that the above referenced account is reporting on her [redacted] credit report. In its previous response, Midland Credit advised [redacted] that it would not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debt. Midland Credit’s business records indicate the trade line was already removed. Please note, Midland Credit submits updates to the credit reporting agencies each month, however, it may take additional time for the credit reporting agencies to update the information that is being provided to them. [redacted] is encouraged to communicate directly with the credit reporting agencies should she have any further concerns.
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]
May 25, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 11, 2016. Midland Credit appreciates the opportunity to answer your questions. Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 2, 2016.
[redacted] expresses a concern that he could not have received letters because Midland Credit had the wrong address. Please note, information provided by the seller at the time of purchase by Midland Funding indicates that the current address of [redacted] was [redacted] In reliance on that information, Midland Credit attempted to contact [redacted] regarding the referenced account using that address.
During a call on April 11, 2016, [redacted] advised a Midland Credit representative that the address was not correct. [redacted] proceeded to provide the representative with his correct address, which was appropriately updated at that time. On April 13, 2016 a letter was mailed to [redacted] at the updated address, advising him that the account was being investigated.
With that said, as indicated in its previous response to your office, Midland Credit acknowledged [redacted] dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt. Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office. Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of 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]