Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
February 3, 2015. 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, 2015. [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
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]----------------------Regarding the statement: "Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity."[redacted]. These people bought a list that happened to have my name on it. To even imply that I have any responsibility to respond in any way is absurd.Now they state that they will 'Cease and Desist' from further activity, as though there activity was legitimate in the first place. Thats insulting!Look, these people whoever they may actually be, are NOT operating and honest business. They are hoping that they will 'Con' enough people to make the contract with an off shore call center pay off. [redacted]You, I, Anyone and Everyone can see this as a shallow scheme. It is probably run through a Corporation which the owners believe shield them from responsibility as well as liability. I wish to peruse this issue for Damages. My time, my reputation and my credit rating may all have been damaged by this 'business's' reckless policies and practices.I'm feeling stress and aggravation.I demand compensation. What are you going to do about that?[redacted]
[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 regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 7, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] indicates that he may have retained an attorney. Going forward, all communication about the matter should be handled by his attorney. If [redacted] is not or no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him directly.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 1, 2015. [redacted] continues to express dissatisfaction in how the account is appearing on his credit report. He states that Midland Credit is reporting the above-referenced account inaccurately, namely as a revolving account, and not as a collection account. [redacted] also provided a copy of his credit report. A review of the documentation provided by [redacted] does not list Midland Credit as a Revolving type account, but lists the account as Open. Under ‘Type of Loan,’ Midland Funding is listed as debt buyer. As stated in its previous response, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – debt buyer account; additional information – collection account.
Please also note that Midland Credit only provides information to the credit reporting agencies, and cannot control how the credit reporting agencies apply such information to their files. Furthermore, the credit reporting agencies control under which category an account is listed. Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported.
[redacted] also writes that the “Date Major Delinquency First Reported” on his credit report is being reported by the original creditor as February 2014, but differently by Midland Credit, as May 2014. Please note that Midland Credit does not have control over the original creditor’s reporting. May 2014 is the date that Midland Credit first began reporting the account.
A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies. If [redacted] continues to have concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies.
Additionally, [redacted] states that he has received a letter from [redacted], in which they advised that the tradeline for the account would be removed. Midland Credit does not have control over the credit reporting practices of other companies. Whether or not the original creditor is reporting the account, the account remains valid, due and owing to Midland Credit.
[redacted] also continues to question the conduct of Midland Credit representatives. As previously advised, Midland Credit does not have record of any conversations directly with [redacted]. Midland Credit maintains the position that its representatives acted appropriate pursuant to applicable law. If [redacted] has further details about the date or time of the call, or which representative he spoke with, he may provide this information so that Midland Credit may further investigate his concerns.
Lastly, [redacted] states that he did not request a ‘cease and desist’, and requests it be removed. In the complaint received from the Consumer Financial Protection Bureau on April 15, 2015, [redacted] requested that Midland Credit cease all further collection attempts. Accordingly at that time, [redacted]’s account was updated to reflect his request and prevent any further communication. However, per [redacted]’s most current request, the ‘cease and desist’ status will be removed from the account.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted]’s account has been referred to Account Manager [redacted]’s attorney may call her at [redacted] to assist 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
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 31, 2016. 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 16, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 1, 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 October 27, 2010. The balance at the time of purchase was $617.29.
[redacted] expresses a concern that the account is appearing on his consumer credit files but that he did not open the account. On November 21, 2010, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on May 4, 2012.
In response to [redacted] request at that time, verification information provided by the seller was mailed to him on May 29, 2012. Verification information was mailed to [redacted] again two more times in response to subsequent requests received from him. Although verification information provided by the seller was mailed to [redacted] in response to his disputes, a copy of that documentation is again enclosed for his 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 v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999). A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead.
If [redacted] is ready to resolve 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 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
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
...
MCM#: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
MCM #: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 18, 2017. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that Ms. [redacted] may have retained an attorney. Midland Credit has no record of her attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Ms. [redacted] is not or is not or no longer working with legal counsel and will mark her accounts accordingly.
Ms. [redacted] states that she has never had an account with Midland Funding. Consumers are sometimes unclear as to what the term “charge off” means for a debt. When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation and to furnish information to the credit bureaus, the new third-party purchaser has the right to repayment of the credit account and to furnish information to the credit bureaus. The above-referenced accounts remain collectible, due and owing to Midland Credit as servicer for Midland Funding.
Ms. [redacted] states that she has requested validation of the debt on several occasions and has not received any information. Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on October 31, 2015. Midland Credit appropriately verified the account information being furnished in response to notices received. Additionally, Midland Credit mailed Ms. [redacted] a copy of the verification information provided by the seller for account no. [redacted] on June 24, 2016 and January 6, 2017. A copy of the verification information provided by the seller for account no. [redacted] was mailed to Ms. [redacted] on July 29, 2016.
Midland Credit received the first correspondence directly from Ms. [redacted] on August 22, 2016, regarding account no. [redacted], and on October 17, 2016 regarding account no. [redacted]. As verification information had recently been sent to Ms. [redacted] regarding her accounts, Midland Credit requested she provide additional information regarding her dispute. Midland Credit appropriately responded to subsequent disputes received from Ms. [redacted].
The verification information for each of the above-referenced accounts is again enclosed for Ms. [redacted] records. Please note that the verification information provided by the sellers 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.
Ms. [redacted] requests that information be removed from her credit report. A review of Midland Credit’s business records indicates that Midland Credit requested the three major credit reporting agencies to remove reference of account no. [redacted] from Ms. [redacted] credit files in July 2016. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for account no. [redacted] is accurate.
Per Ms. [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, Ms. [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 Ms. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Division Manager, Consumer Support Services
[redacted]
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 27, 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 September 27, 2012. Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on July 21, 2002, as a T-Mobile cellular account number ending in [redacted], in the name of Kenneth D [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 8, 2012. The balance at the time of purchase was $1,198.74. Final payment on the account was posted to the account on January 8, 2015. Mr. [redacted] has no further financial obligation for this account.
Mr. [redacted] expresses a concern that he received a letter from Midland Credit requesting payment after he had paid to resolve the account balance. On December 5, 2014, a letter was sent to him offering the option to submit a payment for less than the full balance by January 7, 2015 in order to consider the debt resolved. Upon receipt and processing of his check, Midland Credit posted the $479.49 referenced in his complaint to the account on January 8, 2015. Although the payment was not received within the specified timeframe, Midland Credit subsequently made the business decision to accept his payment using the terms provided in the December 5, 2014 offer letter. A letter advising Mr. [redacted] the account balance had been resolved was mailed to him on February 4, 2015.
As Midland Credit had not been notified a payment was forthcoming, and the payment had been posted after the expiration date of the offer, Mr. [redacted] was sent the letter he references in his submission to your office on January 9, 2015. Please note the files of accounts which receive marketing letters are built and sent to Midland Credit’s mail vendor 1-2 days prior to the actual send date of the letter to ensure there is enough processing time at the mail house. Final scrubs are conducted to look for changes in account status, such as in Mr. [redacted]’s case. However, if the status change occurs too close to the send date there is chance that a small number of accounts with late status changes receive marketing letters. That appears to be the case here.
Please note, although his submission indicates he spoke with Midland Credit on January 21, 2015, there is no indication Midland Credit has spoken with Mr. [redacted] since April 12, 2013. Regardless, he may disregard the letter sent January 9, 2015. As indicated above, Mr. [redacted] has no further financial obligation on 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 Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) [redacted] 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
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.While I appreciate that Midland is...
removing the interest charges since they were charging far more than the allowable 6% interest under ** law, this is not enough. Midland's constant incorrect updating is unacceptable. In the last few weeks, they have once again reopened their listing that they had previously reported as closed and have repeatedly updated my [redacted] report showing them as a retail creditor. I have filed a CFPB complaint against Midland and [redacted] both because neither agency seems to want to take the blame for the incorrect listing. If they cannot report correct information, they should not be reporting at all. If this does not get corrected, I will pursue all legal options available to me to ensure that they are held accountable for their inability to report accurately.Regards,[redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 3, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates...
that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 19, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 20, 2007, as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 26, 2011. The balance at the time of purchase was $1,331.40. Final payment on the account was received on June 24, 2013. [redacted] has no further financial obligation for this account.
[redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced 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
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. Thank you very much.
Regards,
[redacted]
[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]
Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 13, 2015. [redacted] continues to stand firm in his assertion that he paid the account in full in order to have the debt removed from his credit. Midland Credit reiterates that [redacted] appropriately and correctly advised [redacted] of how the account would be reported to Midland Credit once paid. Additionally, the account information Midland Credit is furnishing to the three major credit reporting agencies is accurate.
Midland Credit will continue furnishing account information for the above referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” As previously stated, 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]
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 validation of debt -- I got a bill. I have researched this "company" and they make a practice of holding peoples credit reports hostage in order to extort payment. If this is not deleted from my bureaus, I will file a complaint with the ** attorney general, FTC, and even file a civil complaint for violation for the FCRA --
Regards,[redacted]
[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 regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 30, 2015. 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 April 30, 2015.
As stated in its previous response, the address at which the referenced letters were received was not included in the complaint filed through your office. However, copies of the letters sent to the most recent address that Midland Credit has on file for [redacted] are enclosed. The referenced address remains marked “Do Not Mail” in Midland Credit’s computer system for the referenced account. Additionally, this 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
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
October 22, 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 August 29, 2008. Information provided by the seller, [redacted]., at the time of acquisition
indicates this account was originated on December 1, 1999 as
a [redacted] account number
ending in [redacted], in the name of [redacted] under the last four of the
social security number [redacted]
Subsequently, the account was charged-off as an unpaid delinquent-debt
on January 15, 2007. The balance at the time of purchase was $2,075.58.
A review of Midland
Credit’s business records indicates that on February 15, 2009, this account was
assigned to [redacted] obtained a judgment for the account, which was filed with the court
on December 10, 2010. A copy of the
judgment is enclosed for your records. On May 20, 2013, the account was reassigned
to Midland Credit’s Internal Legal Department (“Internal Legal
Department”).
[redacted] expresses
a concern that after she made payment arrangements to resolve the balance, the
sheriff’s office was not notified to terminate the pending garnishment. The Internal Legal Department advises that
the payment arrangement was set up on September 10, 2015, which was after the
garnishment had been initiated. As a
result, notice of termination of the garnishment was sent to the sheriff’s
office. The garnished funds had not yet
been forwarded to Midland Credit. A
review of the sheriff department’s case inquiry system indicates the file was
closed as of October 28, 2015 and that one of the two payments has already been
returned to [redacted]
The Internal
Legal Department has also advised that they have received another payment under
the payment arrangement. Midland Credit
apologizes for the inconvenience caused to [redacted] and appreciates his
willingness to continue working towards the resolution of the judgment balance.
Should [redacted] have
any further concerns or wish to discuss the account further, he may send
written correspondence to the Internal Legal Department at PO Box 939050, San
Diego, CA 92193. Additionally, their
phone number is [redacted]
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. 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.
At this point, we're just going back and forth. You stand firm in your dishonest business practices, and I stand firm that I paid in full to have the debt removed from my credit. I wish for this complaint to be finalized as unresolved due to dishonesty on Midland's part. You have my full permission to publish the entire complaint and all communications to the Revdex.com website. Perhaps it will help others who may be conned into thinking they are entering into an agreement that Midland definitely won't stand by. A word of advice, folks: Make sure you get any and all agreements *in writing* from this company before you pay them a dime. Also, challenge any lawsuits they may have against you to collect. It's possible more often than not to get lawsuits by Midland thrown out if you just fight back. They count on the fact that 90% of the people they sue won't even show up in court, and will have a default judgment made against them. They've paid out millions in settlements because they've illegally robo-signed legal documents. Oh, and don't bother trying to reach them on the phone because you'll be talking to someone from India or Pakistan who barely speaks English.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that even though I strongly disagree with the details provided in the response, 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]
VIA
Roman","serif";mso-ansi-language:EN-US;mso-bidi-font-weight:
bold">E-Mail
[redacted]
Revdex.com
of San Diego
5050
Murphy Canyon, Ste. 110
San
Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
January 16, 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 September 22, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on February 29, 2012, as a [redacted] account number ending in [redacted],
in the name of [redacted], under the last four of the social security
number [redacted].
Subsequently, the account was charged-off as an unpaid delinquent-debt
on August 25, 2014. The balance at the time of purchase was $988.88.
[redacted] writes that she is receiving calls from Midland Credit, but would
prefer to be contacted by mail and be provided with more information about the
debt. Per [redacted]’s request, the above-referenced account has been marked
“Direct Mail Only.” While it remains due and owing, [redacted] will no
longer receive phone calls from Midland Credit representatives and all
correspondence will be sent via the United States Postal Service.
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 that will be both beneficial to her, as
well as resolve 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.
Regards,
[redacted]
December 2, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of Mr. [redacted]
Revdex.com#...
[redacted]
MCM# [redacted] and [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 18, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted]. Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on July 13, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 18, 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 November 30, 2010. The balance at the time of purchase was $828.62.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 4, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 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 November 30, 2010. The balance at the time of purchase was $2,020.06.
Midland Credit mailed [redacted] separate and unique validation letters – on July 27, 2012, for account no. [redacted], and on September 14, 2013, 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letters were mailed to [redacted] at the same address listed within his complaint, and were 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 received the first correspondence regarding both accounts from [redacted] on May 22, 2014. Based on the information provided in the correspondence and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] a letter for each account, along with a copy of the verification information provided by the seller on June 11, 2014 for account no. [redacted], and on June 13, 2014 for account no. [redacted]. In response to [redacted] correspondence dated August 7, 2015, verification was sent again on September 9, 2015, for [redacted], and August 24, 2015, for [redacted]. A copy of the verification information provided by the seller for each account is enclosed for [redacted] records.
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced accounts, is accurate. Midland Credit will be closing its investigation of Mr. Howard’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.
Per [redacted] previous request, 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]
Enclosure
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
March 18, 2015. Midland Credit appreciates the opportunity to
answer your questions. [redacted] filed a similar
complaint...
through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response
to the CFPB is enclosed.
An
investigation of this matter indicates that Midland Credit became the servicer
of the above-referenced account on behalf of purchaser, Midland Funding, LLC
(“Midland Funding”) on August 8, 2013.
Information provided by the seller, [redacted], at the time
of acquisition indicates this account was originated on January 11, 2009, 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 11, 2011.
The balance at the time of purchase was $569.61.
As
described in the complaint, [redacted] questions the alleged conduct of certain
Midland Credit employees. Please note
that the alleged conduct described by him is being investigated. Midland Credit fully respects consumers’
rights and has established policies and procedures designed to protect those
rights. However, if, in spite of Midland
Credit’s best efforts to ensure professional and courteous communications at
all times, it is determined that a violation of company policy may have
occurred, the same will be addressed and dealt with in a prompt and appropriate
manner.
While
Midland Credit is pleased that it was able to assist [redacted] in reaching a
resolution which resolved the balance for the above-referenced account, it is
Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records
indicates that it is accurately reporting the above-referenced 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
November 4, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received October 20, 2015. Midland Credit appreciates the opportunity to answer your questions.
Midland Credit provided all of the account identifying information in its previous response to your office dated October 20, 2015. In his most recent complaint, [redacted] expresses a desire to have his account deleted from his consumer credit files upon resolving the balance. However, he also states that if Midland Credit will not delete the account he still offers to resolve the account balance for $300.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, it will accept $300 in order to resolve the balance with the understanding that Midland Credit will furnish information for the account as “Account paid in full, was a collection account” with an additional memo stating “Account paid in full for less than the full balance.” Additionally, as [redacted] states he still disputes the account, Midland Credit will also continue to report that the account is disputed. Please have [redacted] call [redacted] to assist him 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]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
February 3, 2015. 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, 2015. [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.
Regards,
[redacted]----------------------Regarding the statement: "Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity."[redacted]. These people bought a list that happened to have my name on it. To even imply that I have any responsibility to respond in any way is absurd.Now they state that they will 'Cease and Desist' from further activity, as though there activity was legitimate in the first place. Thats insulting!Look, these people whoever they may actually be, are NOT operating and honest business. They are hoping that they will 'Con' enough people to make the contract with an off shore call center pay off. [redacted]You, I, Anyone and Everyone can see this as a shallow scheme. It is probably run through a Corporation which the owners believe shield them from responsibility as well as liability. I wish to peruse this issue for Damages. My time, my reputation and my credit rating may all have been damaged by this 'business's' reckless policies and practices.I'm feeling stress and aggravation.I demand compensation. What are you going to do about that?[redacted]
May 20, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 7, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] indicates that he may have retained an attorney. Going forward, all communication about the matter should be handled by his attorney. If [redacted] is not or no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him directly.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 1, 2015. [redacted] continues to express dissatisfaction in how the account is appearing on his credit report. He states that Midland Credit is reporting the above-referenced account inaccurately, namely as a revolving account, and not as a collection account. [redacted] also provided a copy of his credit report. A review of the documentation provided by [redacted] does not list Midland Credit as a Revolving type account, but lists the account as Open. Under ‘Type of Loan,’ Midland Funding is listed as debt buyer. As stated in its previous response, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – debt buyer account; additional information – collection account.
Please also note that Midland Credit only provides information to the credit reporting agencies, and cannot control how the credit reporting agencies apply such information to their files. Furthermore, the credit reporting agencies control under which category an account is listed. Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported.
[redacted] also writes that the “Date Major Delinquency First Reported” on his credit report is being reported by the original creditor as February 2014, but differently by Midland Credit, as May 2014. Please note that Midland Credit does not have control over the original creditor’s reporting. May 2014 is the date that Midland Credit first began reporting the account.
A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies. If [redacted] continues to have concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies.
Additionally, [redacted] states that he has received a letter from [redacted], in which they advised that the tradeline for the account would be removed. Midland Credit does not have control over the credit reporting practices of other companies. Whether or not the original creditor is reporting the account, the account remains valid, due and owing to Midland Credit.
[redacted] also continues to question the conduct of Midland Credit representatives. As previously advised, Midland Credit does not have record of any conversations directly with [redacted]. Midland Credit maintains the position that its representatives acted appropriate pursuant to applicable law. If [redacted] has further details about the date or time of the call, or which representative he spoke with, he may provide this information so that Midland Credit may further investigate his concerns.
Lastly, [redacted] states that he did not request a ‘cease and desist’, and requests it be removed. In the complaint received from the Consumer Financial Protection Bureau on April 15, 2015, [redacted] requested that Midland Credit cease all further collection attempts. Accordingly at that time, [redacted]’s account was updated to reflect his request and prevent any further communication. However, per [redacted]’s most current request, the ‘cease and desist’ status will be removed from the account.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted]’s account has been referred to Account Manager [redacted]’s attorney may call her at [redacted] to assist 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]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 31, 2016. 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 16, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 1, 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 October 27, 2010. The balance at the time of purchase was $617.29.
[redacted] expresses a concern that the account is appearing on his consumer credit files but that he did not open the account. On November 21, 2010, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on May 4, 2012.
In response to [redacted] request at that time, verification information provided by the seller was mailed to him on May 29, 2012. Verification information was mailed to [redacted] again two more times in response to subsequent requests received from him. Although verification information provided by the seller was mailed to [redacted] in response to his disputes, a copy of that documentation is again enclosed for his 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 v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999). A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead.
If [redacted] is ready to resolve 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 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
May 25, 2017
VIA E-Mail
*
[redacted]
Revdex.com of San Diego
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
...
MCM#: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
MCM #: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 18, 2017. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that Ms. [redacted] may have retained an attorney. Midland Credit has no record of her attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Ms. [redacted] is not or is not or no longer working with legal counsel and will mark her accounts accordingly.
Ms. [redacted] states that she has never had an account with Midland Funding. Consumers are sometimes unclear as to what the term “charge off” means for a debt. When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation and to furnish information to the credit bureaus, the new third-party purchaser has the right to repayment of the credit account and to furnish information to the credit bureaus. The above-referenced accounts remain collectible, due and owing to Midland Credit as servicer for Midland Funding.
Ms. [redacted] states that she has requested validation of the debt on several occasions and has not received any information. Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on October 31, 2015. Midland Credit appropriately verified the account information being furnished in response to notices received. Additionally, Midland Credit mailed Ms. [redacted] a copy of the verification information provided by the seller for account no. [redacted] on June 24, 2016 and January 6, 2017. A copy of the verification information provided by the seller for account no. [redacted] was mailed to Ms. [redacted] on July 29, 2016.
Midland Credit received the first correspondence directly from Ms. [redacted] on August 22, 2016, regarding account no. [redacted], and on October 17, 2016 regarding account no. [redacted]. As verification information had recently been sent to Ms. [redacted] regarding her accounts, Midland Credit requested she provide additional information regarding her dispute. Midland Credit appropriately responded to subsequent disputes received from Ms. [redacted].
The verification information for each of the above-referenced accounts is again enclosed for Ms. [redacted] records. Please note that the verification information provided by the sellers 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.
Ms. [redacted] requests that information be removed from her credit report. A review of Midland Credit’s business records indicates that Midland Credit requested the three major credit reporting agencies to remove reference of account no. [redacted] from Ms. [redacted] credit files in July 2016. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for account no. [redacted] is accurate.
Per Ms. [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, Ms. [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 Ms. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Division Manager, Consumer Support Services
[redacted]
Enclosure
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 27, 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 September 27, 2012. Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on July 21, 2002, as a T-Mobile cellular account number ending in [redacted], in the name of Kenneth D [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 8, 2012. The balance at the time of purchase was $1,198.74. Final payment on the account was posted to the account on January 8, 2015. Mr. [redacted] has no further financial obligation for this account.
Mr. [redacted] expresses a concern that he received a letter from Midland Credit requesting payment after he had paid to resolve the account balance. On December 5, 2014, a letter was sent to him offering the option to submit a payment for less than the full balance by January 7, 2015 in order to consider the debt resolved. Upon receipt and processing of his check, Midland Credit posted the $479.49 referenced in his complaint to the account on January 8, 2015. Although the payment was not received within the specified timeframe, Midland Credit subsequently made the business decision to accept his payment using the terms provided in the December 5, 2014 offer letter. A letter advising Mr. [redacted] the account balance had been resolved was mailed to him on February 4, 2015.
As Midland Credit had not been notified a payment was forthcoming, and the payment had been posted after the expiration date of the offer, Mr. [redacted] was sent the letter he references in his submission to your office on January 9, 2015. Please note the files of accounts which receive marketing letters are built and sent to Midland Credit’s mail vendor 1-2 days prior to the actual send date of the letter to ensure there is enough processing time at the mail house. Final scrubs are conducted to look for changes in account status, such as in Mr. [redacted]’s case. However, if the status change occurs too close to the send date there is chance that a small number of accounts with late status changes receive marketing letters. That appears to be the case here.
Please note, although his submission indicates he spoke with Midland Credit on January 21, 2015, there is no indication Midland Credit has spoken with Mr. [redacted] since April 12, 2013. Regardless, he may disregard the letter sent January 9, 2015. As indicated above, Mr. [redacted] has no further financial obligation on 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 Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) [redacted] 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.While I appreciate that Midland is...
removing the interest charges since they were charging far more than the allowable 6% interest under ** law, this is not enough. Midland's constant incorrect updating is unacceptable. In the last few weeks, they have once again reopened their listing that they had previously reported as closed and have repeatedly updated my [redacted] report showing them as a retail creditor. I have filed a CFPB complaint against Midland and [redacted] both because neither agency seems to want to take the blame for the incorrect listing. If they cannot report correct information, they should not be reporting at all. If this does not get corrected, I will pursue all legal options available to me to ensure that they are held accountable for their inability to report accurately.Regards,[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 3, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates...
that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 19, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 20, 2007, as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 26, 2011. The balance at the time of purchase was $1,331.40. Final payment on the account was received on June 24, 2013. [redacted] has no further financial obligation for this account.
[redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced 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]
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. Thank you very much.
Regards,
[redacted]
December 3, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 13, 2015. [redacted] continues to stand firm in his assertion that he paid the account in full in order to have the debt removed from his credit. Midland Credit reiterates that [redacted] appropriately and correctly advised [redacted] of how the account would be reported to Midland Credit once paid. Additionally, the account information Midland Credit is furnishing to the three major credit reporting agencies is accurate.
Midland Credit will continue furnishing account information for the above referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” As previously stated, 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]
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 validation of debt -- I got a bill. I have researched this "company" and they make a practice of holding peoples credit reports hostage in order to extort payment. If this is not deleted from my bureaus, I will file a complaint with the ** attorney general, FTC, and even file a civil complaint for violation for the FCRA --
Regards,[redacted]
May 12, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 30, 2015. 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 April 30, 2015.
As stated in its previous response, the address at which the referenced letters were received was not included in the complaint filed through your office. However, copies of the letters sent to the most recent address that Midland Credit has on file for [redacted] are enclosed. The referenced address remains marked “Do Not Mail” in Midland Credit’s computer system for the referenced account. Additionally, this account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
October 22, 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 August 29, 2008. Information provided by the seller, [redacted]., at the time of acquisition
indicates this account was originated on December 1, 1999 as
a [redacted] account number
ending in [redacted], in the name of [redacted] under the last four of the
social security number [redacted]
Subsequently, the account was charged-off as an unpaid delinquent-debt
on January 15, 2007. The balance at the time of purchase was $2,075.58.
A review of Midland
Credit’s business records indicates that on February 15, 2009, this account was
assigned to [redacted] obtained a judgment for the account, which was filed with the court
on December 10, 2010. A copy of the
judgment is enclosed for your records. On May 20, 2013, the account was reassigned
to Midland Credit’s Internal Legal Department (“Internal Legal
Department”).
[redacted] expresses
a concern that after she made payment arrangements to resolve the balance, the
sheriff’s office was not notified to terminate the pending garnishment. The Internal Legal Department advises that
the payment arrangement was set up on September 10, 2015, which was after the
garnishment had been initiated. As a
result, notice of termination of the garnishment was sent to the sheriff’s
office. The garnished funds had not yet
been forwarded to Midland Credit. A
review of the sheriff department’s case inquiry system indicates the file was
closed as of October 28, 2015 and that one of the two payments has already been
returned to [redacted]
The Internal
Legal Department has also advised that they have received another payment under
the payment arrangement. Midland Credit
apologizes for the inconvenience caused to [redacted] and appreciates his
willingness to continue working towards the resolution of the judgment balance.
Should [redacted] have
any further concerns or wish to discuss the account further, he may send
written correspondence to the Internal Legal Department at PO Box 939050, San
Diego, CA 92193. Additionally, their
phone number is [redacted]
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. 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.
At this point, we're just going back and forth. You stand firm in your dishonest business practices, and I stand firm that I paid in full to have the debt removed from my credit. I wish for this complaint to be finalized as unresolved due to dishonesty on Midland's part. You have my full permission to publish the entire complaint and all communications to the Revdex.com website. Perhaps it will help others who may be conned into thinking they are entering into an agreement that Midland definitely won't stand by. A word of advice, folks: Make sure you get any and all agreements *in writing* from this company before you pay them a dime. Also, challenge any lawsuits they may have against you to collect. It's possible more often than not to get lawsuits by Midland thrown out if you just fight back. They count on the fact that 90% of the people they sue won't even show up in court, and will have a default judgment made against them. They've paid out millions in settlements because they've illegally robo-signed legal documents. Oh, and don't bother trying to reach them on the phone because you'll be talking to someone from India or Pakistan who barely speaks English.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that even though I strongly disagree with the details provided in the response, 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]
January
30, 2015
VIA
Roman","serif";mso-ansi-language:EN-US;mso-bidi-font-weight:
bold">E-Mail
[redacted]
Revdex.com
of San Diego
5050
Murphy Canyon, Ste. 110
San
Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
January 16, 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 September 22, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on February 29, 2012, as a [redacted] account number ending in [redacted],
in the name of [redacted], under the last four of the social security
number [redacted].
Subsequently, the account was charged-off as an unpaid delinquent-debt
on August 25, 2014. The balance at the time of purchase was $988.88.
[redacted] writes that she is receiving calls from Midland Credit, but would
prefer to be contacted by mail and be provided with more information about the
debt. Per [redacted]’s request, the above-referenced account has been marked
“Direct Mail Only.” While it remains due and owing, [redacted] will no
longer receive phone calls from Midland Credit representatives and all
correspondence will be sent via the United States Postal Service.
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 that will be both beneficial to her, as
well as resolve 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.
Regards,
[redacted]
December 2, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of Mr. [redacted]
Revdex.com#...
[redacted]
MCM# [redacted] and [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 18, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted]. Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on July 13, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 18, 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 November 30, 2010. The balance at the time of purchase was $828.62.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 4, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 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 November 30, 2010. The balance at the time of purchase was $2,020.06.
Midland Credit mailed [redacted] separate and unique validation letters – on July 27, 2012, for account no. [redacted], and on September 14, 2013, 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letters were mailed to [redacted] at the same address listed within his complaint, and were 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 received the first correspondence regarding both accounts from [redacted] on May 22, 2014. Based on the information provided in the correspondence and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] a letter for each account, along with a copy of the verification information provided by the seller on June 11, 2014 for account no. [redacted], and on June 13, 2014 for account no. [redacted]. In response to [redacted] correspondence dated August 7, 2015, verification was sent again on September 9, 2015, for [redacted], and August 24, 2015, for [redacted]. A copy of the verification information provided by the seller for each account is enclosed for [redacted] records.
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced accounts, is accurate. Midland Credit will be closing its investigation of Mr. Howard’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.
Per [redacted] previous request, 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]
Enclosure
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
March 18, 2015. Midland Credit appreciates the opportunity to
answer your questions. [redacted] filed a similar
complaint...
through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response
to the CFPB is enclosed.
An
investigation of this matter indicates that Midland Credit became the servicer
of the above-referenced account on behalf of purchaser, Midland Funding, LLC
(“Midland Funding”) on August 8, 2013.
Information provided by the seller, [redacted], at the time
of acquisition indicates this account was originated on January 11, 2009, 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 11, 2011.
The balance at the time of purchase was $569.61.
As
described in the complaint, [redacted] questions the alleged conduct of certain
Midland Credit employees. Please note
that the alleged conduct described by him is being investigated. Midland Credit fully respects consumers’
rights and has established policies and procedures designed to protect those
rights. However, if, in spite of Midland
Credit’s best efforts to ensure professional and courteous communications at
all times, it is determined that a violation of company policy may have
occurred, the same will be addressed and dealt with in a prompt and appropriate
manner.
While
Midland Credit is pleased that it was able to assist [redacted] in reaching a
resolution which resolved the balance for the above-referenced account, it is
Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records
indicates that it is accurately reporting the above-referenced 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]
Enclosure
November 4, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received October 20, 2015. Midland Credit appreciates the opportunity to answer your questions.
Midland Credit provided all of the account identifying information in its previous response to your office dated October 20, 2015. In his most recent complaint, [redacted] expresses a desire to have his account deleted from his consumer credit files upon resolving the balance. However, he also states that if Midland Credit will not delete the account he still offers to resolve the account balance for $300.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, it will accept $300 in order to resolve the balance with the understanding that Midland Credit will furnish information for the account as “Account paid in full, was a collection account” with an additional memo stating “Account paid in full for less than the full balance.” Additionally, as [redacted] states he still disputes the account, Midland Credit will also continue to report that the account is disputed. Please have [redacted] call [redacted] to assist him 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]