May 6, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] and [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 23, Midland Credit appreciates the opportunity to answer your questions [redacted] submitted a previous complaint through your office to which Midland Credit responded on April 20, The details of [redacted] ’s account were included in that response [redacted] expresses a concern that Midland Credit has not verified the debt Midland Credit mailed [redacted] separate and unique validation letters – on or about October 17, 2009, for account no [redacted] , and on or about January 10, 2012, for account no [redacted] In the letters, Midland Credit informed [redacted] that Midland Funding, LLC (“Midland Funding”) had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any written correspondence from [redacted] in response to those letters or pursuant to the [redacted] Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Copies of the verification information provided by the seller are enclosed for the above-referenced accountsPlease note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) With that said, if [redacted] is ready to resolve the debts, [redacted] may qualify for a reduction in the account balances Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist in reaching a resolution of the account balances Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate Midland Credit will be closing its investigation of [redacted] ’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act 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
Thank you for your letter inquiry dated July 30, 2014, regarding [redacted] ***’ 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 accounts belonging to other consumers During a search for the correct consumers, *** ***’ phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts [redacted] ***’ phone number has been marked “Do Not Call” in Midland Credit’s computer system for all of the referenced accounts [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [redacted] ***’ phone number has been added to an exclusion list to prevent it from being called in the future 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-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] ***
Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 31, Midland Credit appreciates the opportunity to answer your questions [redacted] enclosed his phone logs showing numbers placed to him at [redacted] from phone numbers belonging to Midland Credit While Midland Credit acknowledges his concerns, despite the documentation provided, after a search of its business records Midland Credit is unable to locate any calls to this number Additionally, a search for his phone number within Midland Credit’s files was unable to locate it being associated with any account being serviced by Midland Credit With that said, it is possible that Midland Credit is calling another number which is then being forwarded to [redacted] If this is the case, Midland Credit respectfully requests [redacted] contact its Consumer Support Services team at [redacted] to provide any additional phone number(s) which could be the source of such forwarding Midland Credit will then be able to investigate further and should a phone number it is calling be located, will be able to block further calls to that number In the meantime, Midland Credit is continuing to look into the matter using the dates and times contained within the provided phone logs and will follow up with [redacted] through your office if additional information is obtained Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your follletter inquiry dated October 21, 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 Please note that Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 16, [redacted] writes that the original creditor’s tradeline still appears on her consumer credit files Midland Credit ceased reporting its tradeline to the three major credit reporting agencies regarding the account However, Midland Credit has no control over the credit reporting conducted by the original creditor, [redacted] If [redacted] has concerns regarding the information being reported by the original creditor, she may dispute directly with the credit reporting agencies If [redacted] is ready to settle 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 settle the account balance In the meantime, per [redacted] ’s request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will 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] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 31, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 2, 2012, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the credit card account was charged-off as an unpaid delinquent-debt on July 19, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on April 14, [redacted] has no further financial obligation for this account [redacted] writes that the above-referenced debt is in dispute and requests that the above-referenced account be 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, 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 With respect to [redacted] ’s claim that the debt is disputed, Midland Credit sent him a validation letter on August 21, In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit’s business records indicate that it has not received any written correspondence from [redacted] pursuant to the [redacted] Finance Code However, 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 in a phone conversation with [redacted] on March 21, 2014, he disputed the debt as fraud To date, Midland Credit has not received the requested documentation necessary to substantiate his claim However, while [redacted] paid the account in full subsequent to this verbal dispute, if he still believes the debt to be the product of fraud, Midland Credit respectfully requests that he provide a copy of a police report showing that he reported the fraudulent activity [redacted] may forward appropriate documentation to Consumer Support Services at the address on this letterhead Until such documentation has been received, based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
February 24, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] * [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 10, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 30, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 18, 2011, as a [redacted] account number ending in ***, in the name of Monique Outlaw, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 29, The balance at the time of purchase was $ [redacted] expresses concern that she was unable to resolve the balance on the account with the original creditor She also requests that her account be restored, all fees waived, and that she be allowed to pay $per month Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency The underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit While Midland Credit is unable restore the use of the credit line of the original account, it stands ready to assist [redacted] in resolving the balance Midland Credit will accept [redacted] ’s offer of monthly $payments toward the balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist in setting up a payment plan [redacted] also expressed concern with how her complaints have been handled by the Revdex.com (“Revdex.com”) Midland Credit is unable to comment on the actions of the Revdex.com If [redacted] has further concerns with the actions of the Revdex.com, she should contact them directly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have tried to respond to this complaint through the website however their was an errorSo I am not satisfied with Midlands responseThe bill of sale is fakeI didn’t have that address when I had an account with HSBCFurthermore I have include an attachment which shows the HSBC tradeline on my credit report as of today and it states the charge off date as 08/11/and that makes the DOFD 2/HSBC also stated this account is paid in fullI want Midland to purge this account from my credit report and from their recordsComplaint # [redacted] [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] ***
I cannot confirm as I can no longer access those recordsHowever, I have only had one collections account for which [redacted] was the original creditorIn this particular complaint, as mentioned, I have referred directly to [redacted] 's original documentation from past credit reportsThey are no longer reporting it on any of my credit reports, as the Date of First Delinquency/Date of Last Activity are listed as December 2007.Thank you
November 17, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of Billy [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry dated November 3, 2014, regarding Mr [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 April 23, Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on June 12, 2008, as a [redacted] cellular account number ending in ***, in the name of B [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on July 29, The balance at the time of purchase was $ Final payment on the account was received on October 27, Mr [redacted] has no further financial obligation for this account Mr [redacted] questions whether the account is collectible due to the expiration of the statute of limitations A review of Midland Credit’s business records indicates that the statute of limitations does not expire until October 27, However, the passing of the statute of limitations does not extinguish the validity of the debtRather, it eliminates litigation as a potential remedy Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt It only prevents the account from being reported to the credit reporting agencies A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for this account does not expire until March Mr [redacted] also questions the alleged conduct of certain Midland Credit employees Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights Mr [redacted] states that when he called to settle the account, the representative refused to accept payment Please note that the alleged conduct described by Mr [redacted] has been investigated On October 27, 2014, due to a previous communication restriction requested by Mr [redacted] , the Midland Credit representative was unable to transfer the account to an Account Manager to take payment and ownership of the account Mr [redacted] was advised to send a letter authorizing the removal of the restrictionThat same day, Midland Credit received Mr [redacted] ’ faxed letter and the communication restriction was removed Mr [redacted] subsequently settled the account, and thus has no further financial obligation for this account Furthermore, Mr [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 Mr [redacted] in reaching a resolution which settled the balance of his account, it is Midland Credit’s policy to report all accounts accurately Midland Credit is accurately reporting the account as “Account paid in full, was a collection account” with an additional memo which states, “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] ***: Thank you for your letter inquiry dated October 2, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions 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, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 15, as a [redacted] *** credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 21, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit never contacted her about the above-referenced account However, on October 5, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Additionally, [redacted] indicated that Midland Credit has violated the Fair Credit Reporting Act, and provided a URL to the [redacted] *** The URL provided appears to be for [redacted] , which is not an entity that is affiliated with Midland Credit in any way A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Thank you for your letter inquiry dated July 30, 2014, regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 23, Information provided by the seller, General Electric Capital Corp, at the time of acquisition indicates this account was originated on February 18, as a [redacted] credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, The balance at the time of purchase was $1, Ms [redacted] indicates that she believes the debt to be invalid if Midland Credit cannot provide her with the requested documentation Midland Credit sent Ms [redacted] a validation letter on September 29, In the letter, Midland Credit informed Ms [redacted] that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within Ms [redacted] ’s complaint and was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied U.S.C§ Midland Credit’s business records indicate that it has not received any correspondence from Ms [redacted] in response to the letter or pursuant to the Texas Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt 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 Ms [redacted] also questions whether Midland Credit is able to assess interest to the above-referenced account Please note that the account was purchased from the seller with all rights Interest charged by the original creditor is allowable by law Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened Please note that Midland Credit does not assess interest to a consumer’s balance throughout the period of active repayment; however, missed payments will invalidate the agreed upon arrangement Interest on the account which had been deferred while payments were being received would be added back to the account after payments ceased Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
March 11, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 26, 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 February 24, [redacted] states that she will only pay off $300.00, which she claims was her total credit limit While the credit limit may set the maximum amount of credit given to a consumer, additional interest and fees charged by the original creditor are allowable by law Accordingly, Midland Credit must respectfully conclude that based on the information provided by the seller, the outstanding balance of $remains valid With that said, Midland Credit will accept [redacted] ’s offer to make twelve (12) monthly payments of $for a total payment of $to resolve the balance At that point, Midland Credit will consider the debt resolved Please have [redacted] contact Account Manager [redacted] at [redacted] *** to set up this payment plan 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 Ms***: Thank you for your letter inquiry dated November 7, 2014, regarding Mr***’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 December 28, Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on December 9, 2003, as a [redacted] cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 3, The balance at the time of purchase was $ Final payment on the account was received on February 22, Mr [redacted] has no further financial obligation for this account Mr [redacted] indicated that he paid Midland Credit because he was told the account would be reported as a collection to the credit reporting agencies As Midland Credit is a collection agency, every account reported to the credit reporting agencies is listed as a collection account Although no specific instance was provided in the complaint, should Mr [redacted] have been advised how the account would be reported, this was an accurate statement of how the item would be reflected on his credit report and not a threat in order to obtain payment Mr [redacted] also expresses a concern that he paid [redacted] prior to Midland Credit becoming the servicer of the accountA review of Midland Credit’s business records indicates that the last payment Mr [redacted] made to [redacted] was on November 28, for $ As indicated above, the account was subsequently charged off on April 3, with a balance still due and owing Mr [redacted] then paid Midland Credit for the account in February of The first time Mr [redacted] indicated that he had made prior payments resolving the debt with the original creditor was in September, through a dispute made to the credit reporting agencies His dispute did not include any supporting documentation of his claim, nor has any such documentation been received to date Midland Credit inquired with [redacted] about the matter and they advised that no payment was made to them after November 28, but prior to the sale of the account to Midland Funding With that said, [redacted] has advised that Mr [redacted] very recently made a direct payment to them on November 1, in the amount of $ However, as indicated above, he settled the account with a payment to Midland Credit on February 22, As [redacted] is no longer the owner of the account, and were unaware of the account’s paid status with Midland Credit, they were in the process of preparing to forward the funds to Midland Credit However, Midland Credit advised [redacted] that the account balance had already been resolved with Midland Credit, and [redacted] is currently in the process of returning the funds paid to them on November 1, 2014, directly to Mr*** Mr [redacted] also expresses a desire to have the account deleted from his consumer credit filesWhile Midland Credit did not make a prior agreement to delete the credit reporting in exchange for payment, per its Consumer-First policy it will fulfill his request While the account will continue to appropriately reflect a paid status within Midland Credit’s files, the credit reporting agencies have been notified to remove the item from Mr***’s credit report Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
December 19, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry dated December 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions 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 Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office [redacted] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account [redacted] will 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 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 dated September 23, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions 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, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 11, as a [redacted] *** account number ending in *** in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, The balance at the time of purchase was $ Final payment on the account was received on February 21, [redacted] has no further financial obligation for this account As described in his complaint, [redacted] disputes the reference debt, stating it is a result of fraudulent activity On November 21, 2010, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt On February 21, 2011, during a telephone conversation, [redacted] agreed to a settlement in the amount of $ [redacted] completed his payments and he has no further financial obligation to 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 With that said, in keeping with its Consumer-First policy, 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 police report showing that he reported the fraudulent activity He may forward appropriate documentation to Consumer Support Services at the address on this letterhead 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 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 From: [redacted] *** [redacted] Date: Thu, Sep 11, at 3:PM Subject: Re: You have a new message from the Revdex.com To: [redacted] I, [redacted] did not receive anything from Midland Company...Here in my neck of the hood....mail always placed in another tenant mail box...When mail don't belongs to them...they throw it on the floor...when the janitor comes to clean all paper on the floor...he throwing everything in the garbage....Midland should have send their verification through Revdex.com so we both would have saw what was sent....Any information from this point be seen through Revdex.com before mailed...Also, In order to collect a debt legally, Midland must prove it has the right to collect from meTo do this, Midland must show an unbroken, valid chain of assignment back to the original creditor Thanks [redacted]
Dear Revdex.com, Attn: [redacted] Good Morning, I faxed over the official release form that was sent to me from the Revdex.com yesterday, by email, in regards to my complaint with the Midland Credit LLC, I sent the fax this morning, 9/19/ @9:a.m., If your office could please let me know that the fax was indeed received I'd appreciate it Thank you! Kind Regards, [redacted]
May 6, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] and [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 23, Midland Credit appreciates the opportunity to answer your questions [redacted] submitted a previous complaint through your office to which Midland Credit responded on April 20, The details of [redacted] ’s account were included in that response [redacted] expresses a concern that Midland Credit has not verified the debt Midland Credit mailed [redacted] separate and unique validation letters – on or about October 17, 2009, for account no [redacted] , and on or about January 10, 2012, for account no [redacted] In the letters, Midland Credit informed [redacted] that Midland Funding, LLC (“Midland Funding”) had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any written correspondence from [redacted] in response to those letters or pursuant to the [redacted] Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Copies of the verification information provided by the seller are enclosed for the above-referenced accountsPlease note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) With that said, if [redacted] is ready to resolve the debts, [redacted] may qualify for a reduction in the account balances Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist in reaching a resolution of the account balances Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate Midland Credit will be closing its investigation of [redacted] ’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act 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
Thank you for your letter inquiry dated July 30, 2014, regarding [redacted] ***’ 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 accounts belonging to other consumers During a search for the correct consumers, *** ***’ phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts [redacted] ***’ phone number has been marked “Do Not Call” in Midland Credit’s computer system for all of the referenced accounts [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [redacted] ***’ phone number has been added to an exclusion list to prevent it from being called in the future 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-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] ***
Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 31, Midland Credit appreciates the opportunity to answer your questions [redacted] enclosed his phone logs showing numbers placed to him at [redacted] from phone numbers belonging to Midland Credit While Midland Credit acknowledges his concerns, despite the documentation provided, after a search of its business records Midland Credit is unable to locate any calls to this number Additionally, a search for his phone number within Midland Credit’s files was unable to locate it being associated with any account being serviced by Midland Credit With that said, it is possible that Midland Credit is calling another number which is then being forwarded to [redacted] If this is the case, Midland Credit respectfully requests [redacted] contact its Consumer Support Services team at [redacted] to provide any additional phone number(s) which could be the source of such forwarding Midland Credit will then be able to investigate further and should a phone number it is calling be located, will be able to block further calls to that number In the meantime, Midland Credit is continuing to look into the matter using the dates and times contained within the provided phone logs and will follow up with [redacted] through your office if additional information is obtained Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your follletter inquiry dated October 21, 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 Please note that Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 16, [redacted] writes that the original creditor’s tradeline still appears on her consumer credit files Midland Credit ceased reporting its tradeline to the three major credit reporting agencies regarding the account However, Midland Credit has no control over the credit reporting conducted by the original creditor, [redacted] If [redacted] has concerns regarding the information being reported by the original creditor, she may dispute directly with the credit reporting agencies If [redacted] is ready to settle 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 settle the account balance In the meantime, per [redacted] ’s request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will 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] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 31, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 2, 2012, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the credit card account was charged-off as an unpaid delinquent-debt on July 19, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on April 14, [redacted] has no further financial obligation for this account [redacted] writes that the above-referenced debt is in dispute and requests that the above-referenced account be 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, 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 With respect to [redacted] ’s claim that the debt is disputed, Midland Credit sent him a validation letter on August 21, In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit’s business records indicate that it has not received any written correspondence from [redacted] pursuant to the [redacted] Finance Code However, 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 in a phone conversation with [redacted] on March 21, 2014, he disputed the debt as fraud To date, Midland Credit has not received the requested documentation necessary to substantiate his claim However, while [redacted] paid the account in full subsequent to this verbal dispute, if he still believes the debt to be the product of fraud, Midland Credit respectfully requests that he provide a copy of a police report showing that he reported the fraudulent activity [redacted] may forward appropriate documentation to Consumer Support Services at the address on this letterhead Until such documentation has been received, based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
February 24, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] * [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 10, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 30, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 18, 2011, as a [redacted] account number ending in ***, in the name of Monique Outlaw, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 29, The balance at the time of purchase was $ [redacted] expresses concern that she was unable to resolve the balance on the account with the original creditor She also requests that her account be restored, all fees waived, and that she be allowed to pay $per month Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency The underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit While Midland Credit is unable restore the use of the credit line of the original account, it stands ready to assist [redacted] in resolving the balance Midland Credit will accept [redacted] ’s offer of monthly $payments toward the balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist in setting up a payment plan [redacted] also expressed concern with how her complaints have been handled by the Revdex.com (“Revdex.com”) Midland Credit is unable to comment on the actions of the Revdex.com If [redacted] has further concerns with the actions of the Revdex.com, she should contact them directly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have tried to respond to this complaint through the website however their was an errorSo I am not satisfied with Midlands responseThe bill of sale is fakeI didn’t have that address when I had an account with HSBCFurthermore I have include an attachment which shows the HSBC tradeline on my credit report as of today and it states the charge off date as 08/11/and that makes the DOFD 2/HSBC also stated this account is paid in fullI want Midland to purge this account from my credit report and from their recordsComplaint # [redacted] [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] ***
I cannot confirm as I can no longer access those recordsHowever, I have only had one collections account for which [redacted] was the original creditorIn this particular complaint, as mentioned, I have referred directly to [redacted] 's original documentation from past credit reportsThey are no longer reporting it on any of my credit reports, as the Date of First Delinquency/Date of Last Activity are listed as December 2007.Thank you
November 17, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of Billy [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry dated November 3, 2014, regarding Mr [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 April 23, Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on June 12, 2008, as a [redacted] cellular account number ending in ***, in the name of B [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on July 29, The balance at the time of purchase was $ Final payment on the account was received on October 27, Mr [redacted] has no further financial obligation for this account Mr [redacted] questions whether the account is collectible due to the expiration of the statute of limitations A review of Midland Credit’s business records indicates that the statute of limitations does not expire until October 27, However, the passing of the statute of limitations does not extinguish the validity of the debtRather, it eliminates litigation as a potential remedy Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt It only prevents the account from being reported to the credit reporting agencies A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for this account does not expire until March Mr [redacted] also questions the alleged conduct of certain Midland Credit employees Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights Mr [redacted] states that when he called to settle the account, the representative refused to accept payment Please note that the alleged conduct described by Mr [redacted] has been investigated On October 27, 2014, due to a previous communication restriction requested by Mr [redacted] , the Midland Credit representative was unable to transfer the account to an Account Manager to take payment and ownership of the account Mr [redacted] was advised to send a letter authorizing the removal of the restrictionThat same day, Midland Credit received Mr [redacted] ’ faxed letter and the communication restriction was removed Mr [redacted] subsequently settled the account, and thus has no further financial obligation for this account Furthermore, Mr [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 Mr [redacted] in reaching a resolution which settled the balance of his account, it is Midland Credit’s policy to report all accounts accurately Midland Credit is accurately reporting the account as “Account paid in full, was a collection account” with an additional memo which states, “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] ***: Thank you for your letter inquiry dated October 2, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions 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, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 15, as a [redacted] *** credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 21, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit never contacted her about the above-referenced account However, on October 5, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Additionally, [redacted] indicated that Midland Credit has violated the Fair Credit Reporting Act, and provided a URL to the [redacted] *** The URL provided appears to be for [redacted] , which is not an entity that is affiliated with Midland Credit in any way A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Thank you for your letter inquiry dated July 30, 2014, regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 23, Information provided by the seller, General Electric Capital Corp, at the time of acquisition indicates this account was originated on February 18, as a [redacted] credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, The balance at the time of purchase was $1, Ms [redacted] indicates that she believes the debt to be invalid if Midland Credit cannot provide her with the requested documentation Midland Credit sent Ms [redacted] a validation letter on September 29, In the letter, Midland Credit informed Ms [redacted] that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within Ms [redacted] ’s complaint and was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied U.S.C§ Midland Credit’s business records indicate that it has not received any correspondence from Ms [redacted] in response to the letter or pursuant to the Texas Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt 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 Ms [redacted] also questions whether Midland Credit is able to assess interest to the above-referenced account Please note that the account was purchased from the seller with all rights Interest charged by the original creditor is allowable by law Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened Please note that Midland Credit does not assess interest to a consumer’s balance throughout the period of active repayment; however, missed payments will invalidate the agreed upon arrangement Interest on the account which had been deferred while payments were being received would be added back to the account after payments ceased Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
March 11, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 26, 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 February 24, [redacted] states that she will only pay off $300.00, which she claims was her total credit limit While the credit limit may set the maximum amount of credit given to a consumer, additional interest and fees charged by the original creditor are allowable by law Accordingly, Midland Credit must respectfully conclude that based on the information provided by the seller, the outstanding balance of $remains valid With that said, Midland Credit will accept [redacted] ’s offer to make twelve (12) monthly payments of $for a total payment of $to resolve the balance At that point, Midland Credit will consider the debt resolved Please have [redacted] contact Account Manager [redacted] at [redacted] *** to set up this payment plan 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 Ms***: Thank you for your letter inquiry dated November 7, 2014, regarding Mr***’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 December 28, Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on December 9, 2003, as a [redacted] cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 3, The balance at the time of purchase was $ Final payment on the account was received on February 22, Mr [redacted] has no further financial obligation for this account Mr [redacted] indicated that he paid Midland Credit because he was told the account would be reported as a collection to the credit reporting agencies As Midland Credit is a collection agency, every account reported to the credit reporting agencies is listed as a collection account Although no specific instance was provided in the complaint, should Mr [redacted] have been advised how the account would be reported, this was an accurate statement of how the item would be reflected on his credit report and not a threat in order to obtain payment Mr [redacted] also expresses a concern that he paid [redacted] prior to Midland Credit becoming the servicer of the accountA review of Midland Credit’s business records indicates that the last payment Mr [redacted] made to [redacted] was on November 28, for $ As indicated above, the account was subsequently charged off on April 3, with a balance still due and owing Mr [redacted] then paid Midland Credit for the account in February of The first time Mr [redacted] indicated that he had made prior payments resolving the debt with the original creditor was in September, through a dispute made to the credit reporting agencies His dispute did not include any supporting documentation of his claim, nor has any such documentation been received to date Midland Credit inquired with [redacted] about the matter and they advised that no payment was made to them after November 28, but prior to the sale of the account to Midland Funding With that said, [redacted] has advised that Mr [redacted] very recently made a direct payment to them on November 1, in the amount of $ However, as indicated above, he settled the account with a payment to Midland Credit on February 22, As [redacted] is no longer the owner of the account, and were unaware of the account’s paid status with Midland Credit, they were in the process of preparing to forward the funds to Midland Credit However, Midland Credit advised [redacted] that the account balance had already been resolved with Midland Credit, and [redacted] is currently in the process of returning the funds paid to them on November 1, 2014, directly to Mr*** Mr [redacted] also expresses a desire to have the account deleted from his consumer credit filesWhile Midland Credit did not make a prior agreement to delete the credit reporting in exchange for payment, per its Consumer-First policy it will fulfill his request While the account will continue to appropriately reflect a paid status within Midland Credit’s files, the credit reporting agencies have been notified to remove the item from Mr***’s credit report Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
December 19, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry dated December 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions 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 Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office [redacted] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account [redacted] will 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 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 dated September 23, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions 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, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 11, as a [redacted] *** account number ending in *** in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, The balance at the time of purchase was $ Final payment on the account was received on February 21, [redacted] has no further financial obligation for this account As described in his complaint, [redacted] disputes the reference debt, stating it is a result of fraudulent activity On November 21, 2010, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt On February 21, 2011, during a telephone conversation, [redacted] agreed to a settlement in the amount of $ [redacted] completed his payments and he has no further financial obligation to 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 With that said, in keeping with its Consumer-First policy, 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 police report showing that he reported the fraudulent activity He may forward appropriate documentation to Consumer Support Services at the address on this letterhead 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 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 From: [redacted] *** [redacted] Date: Thu, Sep 11, at 3:PM Subject: Re: You have a new message from the Revdex.com To: [redacted] I, [redacted] did not receive anything from Midland Company...Here in my neck of the hood....mail always placed in another tenant mail box...When mail don't belongs to them...they throw it on the floor...when the janitor comes to clean all paper on the floor...he throwing everything in the garbage....Midland should have send their verification through Revdex.com so we both would have saw what was sent....Any information from this point be seen through Revdex.com before mailed...Also, In order to collect a debt legally, Midland must prove it has the right to collect from meTo do this, Midland must show an unbroken, valid chain of assignment back to the original creditor Thanks [redacted]
Dear Revdex.com, Attn: [redacted] Good Morning, I faxed over the official release form that was sent to me from the Revdex.com yesterday, by email, in regards to my complaint with the Midland Credit LLC, I sent the fax this morning, 9/19/ @9:a.m., If your office could please let me know that the fax was indeed received I'd appreciate it Thank you! Kind Regards, [redacted]