October 24, 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 follow-up letter inquiry dated October 10, 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 the interest accrued on the account. Please note that Midland Credit maintains its position as stated in its previous response to your office. 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.
[redacted] also expresses concerns that other collection agencies have made calls to him after hours and at work. 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 all calls were made within allowable hours. Midland Credit has not received any indication it had attempted to call a work phone number for [redacted] until his complaint.
With that said, Midland Credit continues to stand ready to work with [redacted] towards reaching a positive resolution of the account. If [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance.
Please note that it is Midland Credit’s policy to report all accounts accurately. Should [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. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies.
Midland Credit 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.
Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from credit one, they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisions.... Thank you
Regards,
[redacted]
December 29, 2016
VIA E-Mail[redacted]Revdex.com of San Diego5050 Murphy Canyon, Ste. 110San 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 December 27, 2016.
A review of Midland Credit’s business records indicate that [redacted] concerns were addressed in the response sent to your office on December 22, 2016. Since there are no additional allegations from [redacted], Midland Credit stands by its prior response.
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]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 26, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] continues to expresses concern that an account review inquiry has been placed on her credit report, and states that Midland Credit does not have permissible purpose to do so. [redacted] also provides the last four digits of her social security number and writes that she does not have a collection account being serviced by Midland Credit matching her social security number.
Midland Credit ran a search against [redacted]’s social security number, which provided a match to her name as being [redacted]. Midland Credit business records therefore indicate that it was the servicer of account nos. [redacted] and [redacted], which match the last four digits of [redacted]’s social security number. However, these two accounts were sold in 2006. Midland Credit is also currently servicing two additional accounts belonging to [redacted], account nos. [redacted] and [redacted].
Midland Credit became the servicer of account no. [redacted] on September 27, 2001. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on April 1, 1997, as a [redacted] account number ending in [redacted], in the name of [redacted] [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, 1997. The balance at the time of purchase was $428.98. This account was sold to [redacted] on or about June 2, 2006, whose mailing address is [redacted]. Their telephone number is [redacted]. Midland Credit last reported this account to the credit reporting agencies in March of 2004.
Midland Credit became the servicer of account no. [redacted] on June 30, 2003. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 22, 1996, 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 September 1, 2000. The balance at the time of purchase was $2,412.74. This account was sold to [redacted] on or about March 14, 2006, whose mailing address is [redacted]. Their telephone number is [redacted]. Midland Credit last reported this account to the credit reporting agencies in January of 2006.
Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on December 4, 2007. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 12, 1998, 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 November 13, 2000. The balance at the time of purchase was $12,753.25. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies.
Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on May 14, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 17, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on June 9, 2011. The balance at the time of purchase was $261.49. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies.
With respect to [redacted]’s concern that an account review inquiry has been placed on her credit report, please note that items appearing under this section of the credit report have no relation to the collection of an account being serviced by Midland Credit. Pursuant to Section 604(a)(3)(E) of the Fair Credit Reporting Act, Midland Credit has permissible purpose to inquire upon accounts for the purpose of potential investment. Midland Credit pulled [redacted]’s credit when determining whether to invest in a portfolio of accounts which contained an account belonging to [redacted].
Midland Credit is not currently credit reporting any account belonging to [redacted]. The inquiry she sees on her credit report was solely related to the determination of potential purchase of accounts, which may or may not have been purchased. [redacted] may contact the credit reporting agencies to dispute the inquiry.
[redacted] additionally writes that she received calls from Midland Credit on her cell phone, and states that she is not providing her cell phone number. Midland Credit understands [redacted]’s concern in providing her cell phone number, however, this is the best way for Midland Credit to locate her cell phone number and ensure that no further calls are placed to that number. Without being provided that information, Midland Credit is unable to determine the phone number to cease calling. In order to cease the calls [redacted] mentions, please have her call Midland Credit’s Consumer Support Services team at [redacted] to provide her cell phone number so that Midland Credit may further investigate this claim.
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], Esq.
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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have been asking for quite some time just a copy of the signature and they give no valid reason NOT to show me the signature on this account. Midland stating they did their own internal investigation means nothing to me because the address you are sending the information to is not getting returned. You are sending the mail now to my parent's house. You were previously sending it to a house I did not own any longer due to me moving out of state.Regards,[redacted]
Dear [redacted]
Thank you for your letter inquiry dated August 7, 2014,
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
the same day via E-mail. Midland Credit appreciates the opportunity to
answer your...
questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on December 28, 2012. Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on July 8, 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 March 19, 2012. The balance at the time of purchase was $946.85.
[redacted] expresses
a concern that his validation requests have been ignored. On January 12, 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 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. In fact, no correspondence
was received 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 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.
With
that said, Midland Credit has recently received notice that the account was
sold in error, and is currently in the process of being recalled by the
seller. Midland Credit has instructed
the three major credit-reporting agencies to delete any reference to the
above-referenced account from [redacted]’s consumer credit files. Going forward, please have [redacted] contact
the seller to assist him with regards to the above-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 do not accept this offer as it is contrary to what I was promised would happen. It is unfortunate that Midlands lack of accurate record keeping ends up being the consumers problem. Apparently their "Consumers First" slogan is simply that, a slogan and not how they actually run their business. I will now need to escalate this to the Consumer Financial Protection Bureau.
Thank you for your time,
[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]
Thank you for your letter inquiry dated July 29, 2014, regarding
Mr. [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 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 November 21, 2013.
Information provided by the seller, Asset Acceptance, LLC, at the time
of acquisition indicates this account was originated on March 8, 2007 as a [redacted] and [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 2, 2010.
The balance at the time of purchase was $1,227.98.
Midland Credit became
the servicer of account no. [redacted], on behalf of purchaser, Midland Funding
on March 28, 2012. Information provided
by the seller, [redacted] and [redacted] Receivables, at the time of
acquisition indicates this account was originated on June 7, 2009 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 5, 2010.
The balance at the time of purchase was $197.74.
Mr. [redacted] expresses
a concern that Midland Credit representatives have contacted him
excessively. Please assure Mr. [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 Mr. [redacted] more often than is allowable pursuant to
applicable law.
With that said, per Mr.
[redacted]’s request, the above-referenced accounts have been marked “Direct Mail
Only.” While they remain due and owing, Mr. [redacted] will no longer
receive phone calls from Midland Credit representatives and all correspondence
will be sent via the United States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr. [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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
As of today I am still receiving the email messages .. I have tried talkingv with Midland service before contacting yoy and got no where. Yes [redacted] is my home number and they are not caling that number.
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, 2012.
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 [redacted]. Subsequently, the
account was charged-off as an unpaid delinquent-debt on March 31, 2010. The balance at the time of purchase was
$1,648.48.
[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, 15 U.S.C. § 1692 et seq. (“FDCPA”).
The letter 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. 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 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.
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 account. Midland 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
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 responding to MCM's...
request for an account number. The account number as it appears on my credit reports is:
[redacted]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I 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]
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 tried several times to reach the account manager listed on their response unsuccessfully. I'm either told she's unavailable or my messages have not been returned. They have also now flagged the account as a "collections" account, which has negatively impacted my credit score. I've also noticed the amount charged off by the original creditor is not the same amount midland funding is attempting to collect. I would like an explanation for that. Since I have been unable to reach the account manager, I would like this person to contact me to resolve the account.
Regards,
[redacted]
Thank you for your letter inquiry
regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
June 9, 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 March 25, 2013. Information provided by the seller, [redacted]
[redacted], [redacted], at the time of acquisition indicates this account was originated
on January 3, 2008 as a [redacted]
[redacted]. residential
telephone
account number ending in [redacted], in the name of [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 4, 2011. The balance at the time of purchase was $222.45.
Ms.
[redacted] requests Midland Credit delete this account from her credit
report. Please note that Midland Credit stopped
credit reporting this account in May 2014. If Ms. [redacted] still believes that Midland Credit
is reporting its tradeline on her credit report, she is encouraged to call Midland
Credit’s Consumer Support Services team at [redacted] ext. [redacted].
Ms.
[redacted] writes that she disputes and requests validation of her account. On May 3, 2013, Midland Credit mailed Ms.
[redacted] a validation letter, which informed her that Midland Funding had
acquired the account, and of her rights pursuant to the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
The letter 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 Ms. [redacted] in response to
the letter. In fact, no correspondence
was received directly from Ms. [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 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 Ms. [redacted] and collect the debt.
If
Ms. [redacted] is ready to resolve the above-referenced debt, Ms. [redacted] 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.
In
the meantime, per Ms. [redacted]’s request for all communication
to be in writing, the above-referenced account has been marked “Direct
Mail Only.” Ms. [redacted] will no longer receive phone calls from Midland
Credit representatives and all correspondence will be sent via the United
States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms. [redacted]’s.
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team 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 letter inquiry dated August 26, 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 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.
[the social security number listed does not belong to me]
Regards,
[redacted]
Thank you for your letter inquiry dated November 7, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An...
investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on March 26, 2013. Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on September 21, 2008, 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 July 12, 2012. The balance at the time of purchase was $362.69.
[redacted] writes that they dispute the above-referenced debt. Pursuant to Midland Credit’s standard business practices, on December 4, 2013, Midland Credit mailed [redacted] the initial validation, advising of the role of Midland Credit as the servicer of the account and providing them with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692. (“FDCPA”).
Midland Credit’s business records indicates that prior to receiving the complaint through your office, Midland Credit received correspondence requesting validation from [redacted] on November 6, 2014. As the correspondence was received in a timely manner pursuant to applicable law specific to the account, Midland Credit acknowledged their dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt.
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 have been/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 (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]
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 follow up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 21, 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 June 10, 2016.
[redacted] states that this account has not been removed from her [redacted] and [redacted] credit files. As advised in its previous response, Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate for the above-referenced accounts. If Midland Credit were to delete the accounts, the correct and accurate status would not be reflected.
For account no. [redacted], [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 of the account balance.
For account no. [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution. [redacted] may reach [redacted] Their phone number is [redacted]
In the meantime, per [redacted]’s previous request for Midland Credit to not try to collect, the above-referenced accounts will remain marked “Cease and Desist.” While they remain 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
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]
October 24, 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 follow-up letter inquiry dated October 10, 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 the interest accrued on the account. Please note that Midland Credit maintains its position as stated in its previous response to your office. 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.
[redacted] also expresses concerns that other collection agencies have made calls to him after hours and at work. 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 all calls were made within allowable hours. Midland Credit has not received any indication it had attempted to call a work phone number for [redacted] until his complaint.
With that said, Midland Credit continues to stand ready to work with [redacted] towards reaching a positive resolution of the account. If [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance.
Please note that it is Midland Credit’s policy to report all accounts accurately. Should [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. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies.
Midland Credit 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.
Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from credit one, they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisions.... Thank you
Regards,
[redacted]
December 29, 2016
VIA E-Mail[redacted]Revdex.com of San Diego5050 Murphy Canyon, Ste. 110San 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 December 27, 2016.
A review of Midland Credit’s business records indicate that [redacted] concerns were addressed in the response sent to your office on December 22, 2016. Since there are no additional allegations from [redacted], Midland Credit stands by its prior response.
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]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 26, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] continues to expresses concern that an account review inquiry has been placed on her credit report, and states that Midland Credit does not have permissible purpose to do so. [redacted] also provides the last four digits of her social security number and writes that she does not have a collection account being serviced by Midland Credit matching her social security number.
Midland Credit ran a search against [redacted]’s social security number, which provided a match to her name as being [redacted]. Midland Credit business records therefore indicate that it was the servicer of account nos. [redacted] and [redacted], which match the last four digits of [redacted]’s social security number. However, these two accounts were sold in 2006. Midland Credit is also currently servicing two additional accounts belonging to [redacted], account nos. [redacted] and [redacted].
Midland Credit became the servicer of account no. [redacted] on September 27, 2001. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on April 1, 1997, as a [redacted] account number ending in [redacted], in the name of [redacted] [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, 1997. The balance at the time of purchase was $428.98. This account was sold to [redacted] on or about June 2, 2006, whose mailing address is [redacted]. Their telephone number is [redacted]. Midland Credit last reported this account to the credit reporting agencies in March of 2004.
Midland Credit became the servicer of account no. [redacted] on June 30, 2003. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 22, 1996, 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 September 1, 2000. The balance at the time of purchase was $2,412.74. This account was sold to [redacted] on or about March 14, 2006, whose mailing address is [redacted]. Their telephone number is [redacted]. Midland Credit last reported this account to the credit reporting agencies in January of 2006.
Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on December 4, 2007. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 12, 1998, 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 November 13, 2000. The balance at the time of purchase was $12,753.25. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies.
Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on May 14, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 17, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on June 9, 2011. The balance at the time of purchase was $261.49. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies.
With respect to [redacted]’s concern that an account review inquiry has been placed on her credit report, please note that items appearing under this section of the credit report have no relation to the collection of an account being serviced by Midland Credit. Pursuant to Section 604(a)(3)(E) of the Fair Credit Reporting Act, Midland Credit has permissible purpose to inquire upon accounts for the purpose of potential investment. Midland Credit pulled [redacted]’s credit when determining whether to invest in a portfolio of accounts which contained an account belonging to [redacted].
Midland Credit is not currently credit reporting any account belonging to [redacted]. The inquiry she sees on her credit report was solely related to the determination of potential purchase of accounts, which may or may not have been purchased. [redacted] may contact the credit reporting agencies to dispute the inquiry.
[redacted] additionally writes that she received calls from Midland Credit on her cell phone, and states that she is not providing her cell phone number. Midland Credit understands [redacted]’s concern in providing her cell phone number, however, this is the best way for Midland Credit to locate her cell phone number and ensure that no further calls are placed to that number. Without being provided that information, Midland Credit is unable to determine the phone number to cease calling. In order to cease the calls [redacted] mentions, please have her call Midland Credit’s Consumer Support Services team at [redacted] to provide her cell phone number so that Midland Credit may further investigate this claim.
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], 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 been asking for quite some time just a copy of the signature and they give no valid reason NOT to show me the signature on this account. Midland stating they did their own internal investigation means nothing to me because the address you are sending the information to is not getting returned. You are sending the mail now to my parent's house. You were previously sending it to a house I did not own any longer due to me moving out of state.Regards,[redacted]
Dear [redacted]
Thank you for your letter inquiry dated August 7, 2014,
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
the same day via E-mail. Midland Credit appreciates the opportunity to
answer your...
questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on December 28, 2012. Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on July 8, 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 March 19, 2012. The balance at the time of purchase was $946.85.
[redacted] expresses
a concern that his validation requests have been ignored. On January 12, 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 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. In fact, no correspondence
was received 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 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.
With
that said, Midland Credit has recently received notice that the account was
sold in error, and is currently in the process of being recalled by the
seller. Midland Credit has instructed
the three major credit-reporting agencies to delete any reference to the
above-referenced account from [redacted]’s consumer credit files. Going forward, please have [redacted] contact
the seller to assist him with regards to the above-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 do not accept this offer as it is contrary to what I was promised would happen. It is unfortunate that Midlands lack of accurate record keeping ends up being the consumers problem. Apparently their "Consumers First" slogan is simply that, a slogan and not how they actually run their business. I will now need to escalate this to the Consumer Financial Protection Bureau.
Thank you for your time,
[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]
Thank you for your letter inquiry dated July 29, 2014, regarding
Mr. [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 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 November 21, 2013.
Information provided by the seller, Asset Acceptance, LLC, at the time
of acquisition indicates this account was originated on March 8, 2007 as a [redacted] and [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 2, 2010.
The balance at the time of purchase was $1,227.98.
Midland Credit became
the servicer of account no. [redacted], on behalf of purchaser, Midland Funding
on March 28, 2012. Information provided
by the seller, [redacted] and [redacted] Receivables, at the time of
acquisition indicates this account was originated on June 7, 2009 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 5, 2010.
The balance at the time of purchase was $197.74.
Mr. [redacted] expresses
a concern that Midland Credit representatives have contacted him
excessively. Please assure Mr. [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 Mr. [redacted] more often than is allowable pursuant to
applicable law.
With that said, per Mr.
[redacted]’s request, the above-referenced accounts have been marked “Direct Mail
Only.” While they remain due and owing, Mr. [redacted] will no longer
receive phone calls from Midland Credit representatives and all correspondence
will be sent via the United States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr. [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.
Regards,
[redacted]
As of today I am still receiving the email messages .. I have tried talkingv with Midland service before contacting yoy and got no where. Yes [redacted] is my home number and they are not caling that number.
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, 2012.
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 [redacted]. Subsequently, the
account was charged-off as an unpaid delinquent-debt on March 31, 2010. The balance at the time of purchase was
$1,648.48.
[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, 15 U.S.C. § 1692 et seq. (“FDCPA”).
The letter 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. 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 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.
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 account. Midland 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
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 responding to MCM's...
request for an account number. The account number as it appears on my credit reports is:
[redacted]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I 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]
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 tried several times to reach the account manager listed on their response unsuccessfully. I'm either told she's unavailable or my messages have not been returned. They have also now flagged the account as a "collections" account, which has negatively impacted my credit score. I've also noticed the amount charged off by the original creditor is not the same amount midland funding is attempting to collect. I would like an explanation for that. Since I have been unable to reach the account manager, I would like this person to contact me to resolve the account.
Regards,
[redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry
regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
June 9, 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 March 25, 2013. Information provided by the seller, [redacted]
[redacted], [redacted], at the time of acquisition indicates this account was originated
on January 3, 2008 as a [redacted]
[redacted]. residential
telephone
account number ending in [redacted], in the name of [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 4, 2011. The balance at the time of purchase was $222.45.
Ms.
[redacted] requests Midland Credit delete this account from her credit
report. Please note that Midland Credit stopped
credit reporting this account in May 2014. If Ms. [redacted] still believes that Midland Credit
is reporting its tradeline on her credit report, she is encouraged to call Midland
Credit’s Consumer Support Services team at [redacted] ext. [redacted].
Ms.
[redacted] writes that she disputes and requests validation of her account. On May 3, 2013, Midland Credit mailed Ms.
[redacted] a validation letter, which informed her that Midland Funding had
acquired the account, and of her rights pursuant to the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
The letter 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 Ms. [redacted] in response to
the letter. In fact, no correspondence
was received directly from Ms. [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 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 Ms. [redacted] and collect the debt.
If
Ms. [redacted] is ready to resolve the above-referenced debt, Ms. [redacted] 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.
In
the meantime, per Ms. [redacted]’s request for all communication
to be in writing, the above-referenced account has been marked “Direct
Mail Only.” Ms. [redacted] will no longer receive phone calls from Midland
Credit representatives and all correspondence will be sent via the United
States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms. [redacted]’s.
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team 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 dated August 26, 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 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.
[the social security number listed does not belong to me]
Regards,
[redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry dated November 7, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An...
investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on March 26, 2013. Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on September 21, 2008, 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 July 12, 2012. The balance at the time of purchase was $362.69.
[redacted] writes that they dispute the above-referenced debt. Pursuant to Midland Credit’s standard business practices, on December 4, 2013, Midland Credit mailed [redacted] the initial validation, advising of the role of Midland Credit as the servicer of the account and providing them with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692. (“FDCPA”).
Midland Credit’s business records indicates that prior to receiving the complaint through your office, Midland Credit received correspondence requesting validation from [redacted] on November 6, 2014. As the correspondence was received in a timely manner pursuant to applicable law specific to the account, Midland Credit acknowledged their dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt.
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 have been/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 (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]
June 28, 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] and [redacted]
Dear [redacted]
Thank you for your follow up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 21, 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 June 10, 2016.
[redacted] states that this account has not been removed from her [redacted] and [redacted] credit files. As advised in its previous response, Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate for the above-referenced accounts. If Midland Credit were to delete the accounts, the correct and accurate status would not be reflected.
For account no. [redacted], [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 of the account balance.
For account no. [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution. [redacted] may reach [redacted] Their phone number is [redacted]
In the meantime, per [redacted]’s previous request for Midland Credit to not try to collect, the above-referenced accounts will remain marked “Cease and Desist.” While they remain 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]
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]