Dear [redacted] : Thank you for your follletter inquiry dated October 9, 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 Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 6, MrArguedas requests that Midland Credit provide signed documents to validate the accounts As stated in its previous response, Midland Credit reiterates 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) Additionally, [redacted] writes that account no [redacted] is too old to be appearing on his credit report [redacted] further states that the last date of activity on the account is October 8, Please note that the original delinquency date is the date from which the seven year period is measured, not the date of last payment The date of delinquency for account no [redacted] is November 13, The seven-year Federal Reporting period for the above-referenced account will expire in November However, the expiration of the seven-year Federal Reporting period does not extinguish the debt Finally, MrArguedas requests that account no [redacted] be reported as disputed to the credit reporting agencies A review of Midland Credit’s business records indicates that it is accurately reporting both of the above-referenced accounts to the three major credit reporting agencies, and that account no [redacted] is being reported as disputed 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.On August 12, I filed a complaint against this businessThe complaint ID assigned to it is [redacted] On September 8thMidland Credit Management informed me through your bureau that they would instruct the credit bureaus to deleteany instances of their reporting on my credit filesSince then, I have also requested this account to be removed from all three credit bureaus, however today I received my third credit report from Experian which is updated just a few days agostill reflecting this account as on my previous report for the month of October and November I want MIdland Credit Management to follow through its promise and instruct the credit bureaus to delete their account at onceI believe I have been very patient, having waited over days now 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 belowAs far as debt verification goes, unfortunately, Midland Credit has done nothing to that regardThe previous correspondence used three paragraphs to re-reference the same "information" listed on my credit fileIsn't this considered begging the question? The request for payment on these accounts, which still have not been verified to me (aside from restating the fact that they are on my credit file, which is the reason for this complaint in the first place) does nothing to solve the actual issueI'm not sure if it is the law, but I believe that it is at the very least fair to provide documentation with signatures of me agreeing to these debtsOtherwise anyone could state that I owe them money and use that same statement as "proof" of me owing them moneyIdentity theft is on the rise in America and I hope that it doesn't affect meI have not received letters from Midland Credit in the pastI spent many of the past few years homeless without the ability to receive any mailNow that I'm more stable and finally getting around to actually take care of problems and erroneous information like this on my credit file, thanks to mobile apps like [redacted] *** (which makes information like my credit more readily available without having to use a computer or mail.) To be honest with you I'm confused as to how me not being able to respond to a letter that I have never received makes me liable for debts I'm unaware ofI apologize for any inconvenience, but unless the above mentioned information is provided to me I will not acknowledge these debts and also have no choice but to seek legal counsel in order to get this issue resolved promptly Regards, [redacted]
Dear [redacted] Thank you for your follletter regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 2, Midland Credit appreciates the opportunity to answer your questions [redacted] *** continues to express concern that Midland Credit has failed to provide her with validation of the debt As stated in its previous response, [redacted] request for validation was untimelyWith that said, a copy of the documentation provided by the seller is enclosed for [redacted] records 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 vGallerizzo, F.3d (4th Cir1999) [redacted] also indicates that as she was divorced in 2009, and may not be responsible for the debt Please note that a divorce decree alone does not transfer responsibility of the debt to another party However, if [redacted] *** has documentation in addition to a divorce decree which would indicate that she is no longer the responsible party for this debt, please have her forward it to the address on this letterhead Alternatively, [redacted] may contact Midland Credit’s Consumer Support Services Department at [redacted] *** should she have any further questions Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] 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 resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balance Per [redacted] 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
November 18, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 4, Midland Credit appreciates the opportunity to answer your questions [redacted] continues to allege that Midland Credit has not provided validation of debt As indicated in its previous response, Midland Credit mailed [redacted] an initial validation letter on November 12, That letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA Furthermore, Midland Credit did not receive any correspondence requesting validation from [redacted] in response to that letter As such, Midland Credit maintains its position that [redacted] ***’s request for validation documentation cannot be considered timely Because his request is not timely, Midland Credit is not required to provide [redacted] with validation information for this account Midland Credit’s business records continue to indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies The account will remain marked as “Cease and Desist.” While the account remains due and owing, [redacted] will continue to no longer receive contact 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] ***
Dear [redacted] Thank you for your follletter inquiry dated October 1, 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 As [redacted] ’s follindicates that he is not represented by an attorney, Midland Credit has updated its records to allow its representatives to communicate with him directly [redacted] also expresses dissatisfaction with Midland Credit’s previous response Midland Credit maintains its previous position It is Midland Credit’s policy to report all accounts accurately At the time [redacted] paid the account, its policy was to report the account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [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 February 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Midland Credit had no information that it was contacting a wrong number for the consumer until a phone conversation on February 3, 2015, presumably with [redacted] At that time, [redacted] phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account and no further calls were made after February 3, [redacted] will continue to no longer receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced 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 Sincerely, Midland Credit Management, Inc [redacted] Esq 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 This company has falsely reported me to the three credit bureaus repeatedly I paid off my [redacted] account several years ago, so therefore I do not owe anything to Midland FundingI feel this company harasses people until they cannot take any moreThere are several websites with numerous complaints such as mine against this companyMidland Funding has re-aged this account for the year to make it look current and try to get me to pay them moneyWhy didn't they provide any information before now when I repeatedly asked them why they were calling me and reporting me to the credit bureaus?? In addition, they say I have an attorneyI do not know what records they are looking at, but I have not retained an attorney for this matterI sincerely hope that my case gets reviewed and resolved to my satisfaction and Midland removes all negative information from my credit report Regards, [redacted] ***
December 9, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated November 25, 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 September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 28, 2007, as an [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 8, The balance at the time of purchase was $ [redacted] *** expresses a concern that her validation requests have been ignored On September 30, 2009, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA 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 while it received notification of a possible dispute from the credit reporting agencies on November 19, 2014, no correspondence was received directly from [redacted] *** prior to the complaint filed through your office, neither of which can be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] *** and collect the debt [redacted] *** also expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to [redacted] concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller The open date listed on [redacted] credit report is in fact the date of purchase by Midland Funding LLC In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” As for [redacted] concerns about the statute of limitations, a review of Midland Credit’s business records indicates that the statute of limitations for the above-referenced account expired on October 7, However, the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy The above-referenced account still remains collectible, due and owing to Midland Credit Please note the statute of limitations is different than the seven-year federal reporting period A review of Midland Credit’s business records indicates that the federal reporting period for this account does not expire until October As such, Midland Credit is accurately reporting the above-referenced account to the three major credit reporting agencies Please assure [redacted] *** that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law There do not appear to be any conversations with [redacted] *** regarding the above-referenced account and no detail about when such interaction took place was provided in the complaint In order to investigate such concerns, Midland Credit requests that [redacted] *** provide additional information She may contact Midland Credit’s Consumer Support Services team at [redacted] to provide such information If [redacted] *** is ready to settle the above-referenced debt, she 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 the number above should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 3, 2006, as a [redacted] *** account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 9, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 9, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on December 6, 2009, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 9, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 11, 2007, as a [redacted] credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 16, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit has not used proper collection procedures Midland Credit mailed [redacted] separate and unique validation letters – on May 21, 2011, for account no [redacted] , on June 16, 2012, for account no [redacted] , and on July 8, 2012, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts [redacted] also states that he has not received electricity from [redacted] As indicated above, the debt originating from [redacted] *** was in relation to a [redacted] credit card account, and not electricity A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies If [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching resolutions that will be both beneficial to him, as well as resolve the account balances Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 20, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced 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] 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 proof from me [redacted] credit report that I received from [redacted] on 1/16/It shows Midland Credit opened account on 12/with revolving month credit historyI have provided screenshots from my 3in [redacted] credit report that also shows [redacted] and [redacted] Also Midland funding has never verified the debt and has ignored my letters to verifyThis debt has ran the statue of limitations of [redacted] stateFor some reason I am getting an error when I attach the screenshot, Please tell me how I can get them uploaded Regards, [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 I would like to add that I a accept Mr [redacted] response to the extent that collection efforts will stop and that they will not report this matter to the credit bureausI also want Mr [redacted] to know, that I now understand the reasons why representatives from his company were unable to disclose any information to me due to the legal implications this may have I hope that Mr [redacted] can understand by the same reasoning, why I was unable to engage in any meaningful dialogue with anyone who insisted that I disclose my social security number in order to be able to talkThis occurred on every occasion that I answered or returned your companies callsWhich were not that many, only about or Finally and most importantly, I am certain that this debt does not belong to me and that I am being confusing me with someone else, since I spend most of my time out the country due to my workOn one occasion I was away for almost two years and the only other people that live at my home are my parents, who themselves spend half of their time in Mexico Thank you, [redacted]
Dear [redacted] Thank you for your letter inquiry dated December 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 [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 May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 24, 2006, as a [redacted] *** account number ending in [redacted] in the name of [redacted] *** under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, The balance at the time of purchase was $1, [redacted] *** expresses a concern that his validation requests have been ignored On June 1, 2012, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt While the request was untimely, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records 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 Additionally, [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files upon resolving the balance Please note that it is Midland Credit’s policy to report all accounts accurately Should Mr [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected With that said, on December 11, 2014, [redacted] contacted Midland Credit, and advised that he was no longer disputing the accountMidland Credit has advised the three major credit reporting agencies to remove the dispute codes from [redacted] consumer credit files for the above-referenced account If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 4, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to determine if [redacted] is the correct party for the account in question based on the information provided in [redacted] complaint Please have [redacted] provide the last four digits of his social security number so that it may respond appropriately Once this information is received, Midland Credit will investigate [redacted] complaint [redacted] may call Midland Credit’s Consumer Support Services team at [redacted] to provide this information so that Midland Credit may resolve his complaint more quickly 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 17, 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 September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 31, 2008, as an [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 10, The balance at the time of purchase was $ [redacted] writes that Midland Credit sent a bill in her name to her sister’s address Please note that during its course of business, Midland Credit relies on consumer information provided by third party vendors to ensure that its consumer contact information is up to date Based on the information provided within the complaint, it appears that during a search for [redacted] ’s most current information, her sister’s address was provided to Midland Credit representatives by a third party vendor In reliance on that information, Midland Credit attempted to contact [redacted] regarding the referenced account Prior to receipt of the complaint, Midland Credit did not have notice that it was attempting to contact [redacted] at a wrong address While [redacted] did not provide the address at which the letter was received, the most recent address that mail was sent to has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that no more correspondence will be sent to this address by Midland Credit representatives regarding the referenced account Additionally, per [redacted] ’s requests that she only be contacted through your office, the above-referenced account 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 [redacted] also requests that the account be removed from her credit report 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 A copy of the verification information provided by the seller is enclosed for [redacted] ’s records If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution of 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
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 am requesting Midland Funding provide a copy of the documentation sent to the wrong address through the Revdex.com website for further review Regards, [redacted]
Thank you for your letter inquiry dated July 17, 2014, regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on January 27, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on January 9, as a T-Mobile cellular account number ending in 0189, in the name of [redacted] * [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 11, The charge-off balance was $ Ms [redacted] expresses concern that Midland Credit sent her a letter stating it has instructed the three major credit reporting agencies to remove its tradeline from her consumer credit files, but the tradeline has not yet been removed Please note, Midland Credit has been advised by the credit reporting agencies that they may take 30-days to update their records following notification Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
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 Please also keep in mind that I never received any type of bill from [redacted] after cancelling my account, not oneI 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 $balance consist of as well as the $late fee on a closed account, and early termination fees $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 not by [redacted] on 04/08/I don't understand how a closed account accumulated $worth of charges as well as [redacted] never attempting to collect on this high balance and just selling to a Third PartyI have attempted to contact [redacted] but they stated they no longer own this account and provided me with [redacted] to contact Midland
Dear [redacted] Thank you for your letter inquiry dated September 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 November 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 17, as a [redacted] *** account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 28, The balance at the time of purchase was $ [redacted] expresses a concern that he was not provided proper notice of the debt Pursuant to Midland Credit’s standard business practices, on January 4, 2014, Midland Credit mailed the initial validation letter to [redacted] ***, advising him of the role of Midland Credit as the servicer of the account and providing him with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ (“FDCPA”) Midland Credit’s business records indicate that the complaint [redacted] filed was received in a timely manner pursuant to applicable law specific to the account Upon receipt, Midland Credit acknowledged [redacted] ***’s dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office Additionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide 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] ***
Dear [redacted] : Thank you for your follletter inquiry dated October 9, 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 Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 6, MrArguedas requests that Midland Credit provide signed documents to validate the accounts As stated in its previous response, Midland Credit reiterates 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) Additionally, [redacted] writes that account no [redacted] is too old to be appearing on his credit report [redacted] further states that the last date of activity on the account is October 8, Please note that the original delinquency date is the date from which the seven year period is measured, not the date of last payment The date of delinquency for account no [redacted] is November 13, The seven-year Federal Reporting period for the above-referenced account will expire in November However, the expiration of the seven-year Federal Reporting period does not extinguish the debt Finally, MrArguedas requests that account no [redacted] be reported as disputed to the credit reporting agencies A review of Midland Credit’s business records indicates that it is accurately reporting both of the above-referenced accounts to the three major credit reporting agencies, and that account no [redacted] is being reported as disputed 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.On August 12, I filed a complaint against this businessThe complaint ID assigned to it is [redacted] On September 8thMidland Credit Management informed me through your bureau that they would instruct the credit bureaus to deleteany instances of their reporting on my credit filesSince then, I have also requested this account to be removed from all three credit bureaus, however today I received my third credit report from Experian which is updated just a few days agostill reflecting this account as on my previous report for the month of October and November I want MIdland Credit Management to follow through its promise and instruct the credit bureaus to delete their account at onceI believe I have been very patient, having waited over days now 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 belowAs far as debt verification goes, unfortunately, Midland Credit has done nothing to that regardThe previous correspondence used three paragraphs to re-reference the same "information" listed on my credit fileIsn't this considered begging the question? The request for payment on these accounts, which still have not been verified to me (aside from restating the fact that they are on my credit file, which is the reason for this complaint in the first place) does nothing to solve the actual issueI'm not sure if it is the law, but I believe that it is at the very least fair to provide documentation with signatures of me agreeing to these debtsOtherwise anyone could state that I owe them money and use that same statement as "proof" of me owing them moneyIdentity theft is on the rise in America and I hope that it doesn't affect meI have not received letters from Midland Credit in the pastI spent many of the past few years homeless without the ability to receive any mailNow that I'm more stable and finally getting around to actually take care of problems and erroneous information like this on my credit file, thanks to mobile apps like [redacted] *** (which makes information like my credit more readily available without having to use a computer or mail.) To be honest with you I'm confused as to how me not being able to respond to a letter that I have never received makes me liable for debts I'm unaware ofI apologize for any inconvenience, but unless the above mentioned information is provided to me I will not acknowledge these debts and also have no choice but to seek legal counsel in order to get this issue resolved promptly Regards, [redacted]
Dear [redacted] Thank you for your follletter regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 2, Midland Credit appreciates the opportunity to answer your questions [redacted] *** continues to express concern that Midland Credit has failed to provide her with validation of the debt As stated in its previous response, [redacted] request for validation was untimelyWith that said, a copy of the documentation provided by the seller is enclosed for [redacted] records 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 vGallerizzo, F.3d (4th Cir1999) [redacted] also indicates that as she was divorced in 2009, and may not be responsible for the debt Please note that a divorce decree alone does not transfer responsibility of the debt to another party However, if [redacted] *** has documentation in addition to a divorce decree which would indicate that she is no longer the responsible party for this debt, please have her forward it to the address on this letterhead Alternatively, [redacted] may contact Midland Credit’s Consumer Support Services Department at [redacted] *** should she have any further questions Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] 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 resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balance Per [redacted] 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
November 18, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 4, Midland Credit appreciates the opportunity to answer your questions [redacted] continues to allege that Midland Credit has not provided validation of debt As indicated in its previous response, Midland Credit mailed [redacted] an initial validation letter on November 12, That letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA Furthermore, Midland Credit did not receive any correspondence requesting validation from [redacted] in response to that letter As such, Midland Credit maintains its position that [redacted] ***’s request for validation documentation cannot be considered timely Because his request is not timely, Midland Credit is not required to provide [redacted] with validation information for this account Midland Credit’s business records continue to indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies The account will remain marked as “Cease and Desist.” While the account remains due and owing, [redacted] will continue to no longer receive contact 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] ***
Dear [redacted] Thank you for your follletter inquiry dated October 1, 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 As [redacted] ’s follindicates that he is not represented by an attorney, Midland Credit has updated its records to allow its representatives to communicate with him directly [redacted] also expresses dissatisfaction with Midland Credit’s previous response Midland Credit maintains its previous position It is Midland Credit’s policy to report all accounts accurately At the time [redacted] paid the account, its policy was to report the account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [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 February 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Midland Credit had no information that it was contacting a wrong number for the consumer until a phone conversation on February 3, 2015, presumably with [redacted] At that time, [redacted] phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account and no further calls were made after February 3, [redacted] will continue to no longer receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced 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 Sincerely, Midland Credit Management, Inc [redacted] Esq 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 This company has falsely reported me to the three credit bureaus repeatedly I paid off my [redacted] account several years ago, so therefore I do not owe anything to Midland FundingI feel this company harasses people until they cannot take any moreThere are several websites with numerous complaints such as mine against this companyMidland Funding has re-aged this account for the year to make it look current and try to get me to pay them moneyWhy didn't they provide any information before now when I repeatedly asked them why they were calling me and reporting me to the credit bureaus?? In addition, they say I have an attorneyI do not know what records they are looking at, but I have not retained an attorney for this matterI sincerely hope that my case gets reviewed and resolved to my satisfaction and Midland removes all negative information from my credit report Regards, [redacted] ***
December 9, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated November 25, 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 September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 28, 2007, as an [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 8, The balance at the time of purchase was $ [redacted] *** expresses a concern that her validation requests have been ignored On September 30, 2009, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA 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 while it received notification of a possible dispute from the credit reporting agencies on November 19, 2014, no correspondence was received directly from [redacted] *** prior to the complaint filed through your office, neither of which can be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] *** and collect the debt [redacted] *** also expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to [redacted] concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller The open date listed on [redacted] credit report is in fact the date of purchase by Midland Funding LLC In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” As for [redacted] concerns about the statute of limitations, a review of Midland Credit’s business records indicates that the statute of limitations for the above-referenced account expired on October 7, However, the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy The above-referenced account still remains collectible, due and owing to Midland Credit Please note the statute of limitations is different than the seven-year federal reporting period A review of Midland Credit’s business records indicates that the federal reporting period for this account does not expire until October As such, Midland Credit is accurately reporting the above-referenced account to the three major credit reporting agencies Please assure [redacted] *** that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law There do not appear to be any conversations with [redacted] *** regarding the above-referenced account and no detail about when such interaction took place was provided in the complaint In order to investigate such concerns, Midland Credit requests that [redacted] *** provide additional information She may contact Midland Credit’s Consumer Support Services team at [redacted] to provide such information If [redacted] *** is ready to settle the above-referenced debt, she 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 the number above should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 3, 2006, as a [redacted] *** account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 9, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 9, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on December 6, 2009, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 9, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 11, 2007, as a [redacted] credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 16, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit has not used proper collection procedures Midland Credit mailed [redacted] separate and unique validation letters – on May 21, 2011, for account no [redacted] , on June 16, 2012, for account no [redacted] , and on July 8, 2012, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts [redacted] also states that he has not received electricity from [redacted] As indicated above, the debt originating from [redacted] *** was in relation to a [redacted] credit card account, and not electricity A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies If [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching resolutions that will be both beneficial to him, as well as resolve the account balances Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 20, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced 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] 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 proof from me [redacted] credit report that I received from [redacted] on 1/16/It shows Midland Credit opened account on 12/with revolving month credit historyI have provided screenshots from my 3in [redacted] credit report that also shows [redacted] and [redacted] Also Midland funding has never verified the debt and has ignored my letters to verifyThis debt has ran the statue of limitations of [redacted] stateFor some reason I am getting an error when I attach the screenshot, Please tell me how I can get them uploaded Regards, [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 I would like to add that I a accept Mr [redacted] response to the extent that collection efforts will stop and that they will not report this matter to the credit bureausI also want Mr [redacted] to know, that I now understand the reasons why representatives from his company were unable to disclose any information to me due to the legal implications this may have I hope that Mr [redacted] can understand by the same reasoning, why I was unable to engage in any meaningful dialogue with anyone who insisted that I disclose my social security number in order to be able to talkThis occurred on every occasion that I answered or returned your companies callsWhich were not that many, only about or Finally and most importantly, I am certain that this debt does not belong to me and that I am being confusing me with someone else, since I spend most of my time out the country due to my workOn one occasion I was away for almost two years and the only other people that live at my home are my parents, who themselves spend half of their time in Mexico Thank you, [redacted]
Dear [redacted] Thank you for your letter inquiry dated December 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 [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 May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 24, 2006, as a [redacted] *** account number ending in [redacted] in the name of [redacted] *** under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, The balance at the time of purchase was $1, [redacted] *** expresses a concern that his validation requests have been ignored On June 1, 2012, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt While the request was untimely, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records 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 Additionally, [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files upon resolving the balance Please note that it is Midland Credit’s policy to report all accounts accurately Should Mr [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected With that said, on December 11, 2014, [redacted] contacted Midland Credit, and advised that he was no longer disputing the accountMidland Credit has advised the three major credit reporting agencies to remove the dispute codes from [redacted] consumer credit files for the above-referenced account If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 4, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to determine if [redacted] is the correct party for the account in question based on the information provided in [redacted] complaint Please have [redacted] provide the last four digits of his social security number so that it may respond appropriately Once this information is received, Midland Credit will investigate [redacted] complaint [redacted] may call Midland Credit’s Consumer Support Services team at [redacted] to provide this information so that Midland Credit may resolve his complaint more quickly 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 17, 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 September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 31, 2008, as an [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 10, The balance at the time of purchase was $ [redacted] writes that Midland Credit sent a bill in her name to her sister’s address Please note that during its course of business, Midland Credit relies on consumer information provided by third party vendors to ensure that its consumer contact information is up to date Based on the information provided within the complaint, it appears that during a search for [redacted] ’s most current information, her sister’s address was provided to Midland Credit representatives by a third party vendor In reliance on that information, Midland Credit attempted to contact [redacted] regarding the referenced account Prior to receipt of the complaint, Midland Credit did not have notice that it was attempting to contact [redacted] at a wrong address While [redacted] did not provide the address at which the letter was received, the most recent address that mail was sent to has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that no more correspondence will be sent to this address by Midland Credit representatives regarding the referenced account Additionally, per [redacted] ’s requests that she only be contacted through your office, the above-referenced account 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 [redacted] also requests that the account be removed from her credit report 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 A copy of the verification information provided by the seller is enclosed for [redacted] ’s records If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution of 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
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 am requesting Midland Funding provide a copy of the documentation sent to the wrong address through the Revdex.com website for further review Regards, [redacted]
Thank you for your letter inquiry dated July 17, 2014, regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on January 27, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on January 9, as a T-Mobile cellular account number ending in 0189, in the name of [redacted] * [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 11, The charge-off balance was $ Ms [redacted] expresses concern that Midland Credit sent her a letter stating it has instructed the three major credit reporting agencies to remove its tradeline from her consumer credit files, but the tradeline has not yet been removed Please note, Midland Credit has been advised by the credit reporting agencies that they may take 30-days to update their records following notification Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
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 Please also keep in mind that I never received any type of bill from [redacted] after cancelling my account, not oneI 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 $balance consist of as well as the $late fee on a closed account, and early termination fees $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 not by [redacted] on 04/08/I don't understand how a closed account accumulated $worth of charges as well as [redacted] never attempting to collect on this high balance and just selling to a Third PartyI have attempted to contact [redacted] but they stated they no longer own this account and provided me with [redacted] to contact Midland
Dear [redacted] Thank you for your letter inquiry dated September 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 November 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 17, as a [redacted] *** account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 28, The balance at the time of purchase was $ [redacted] expresses a concern that he was not provided proper notice of the debt Pursuant to Midland Credit’s standard business practices, on January 4, 2014, Midland Credit mailed the initial validation letter to [redacted] ***, advising him of the role of Midland Credit as the servicer of the account and providing him with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ (“FDCPA”) Midland Credit’s business records indicate that the complaint [redacted] filed was received in a timely manner pursuant to applicable law specific to the account Upon receipt, Midland Credit acknowledged [redacted] ***’s dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office Additionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide 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] ***