Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I do not accept this due to the fact the account should have been terminated because I was incarceratedI called in ti the [redacted] company before actual incarceration and told them thisThey agreed to terminate Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am glad they were able to agree to the 50% but the complaint is not just about that, it is in reference to being promised that once paid the debts would be removed from my credit profilePlease honor your original agreement and accept the 50% along with the removalIf those terms can be met, I will pay immediately On a side note, I do understand there company policy is to not remove things from credit but I was promised those termsPlease honor those terms promised by your team member Regards, [redacted]
Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 3, 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 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 8, 2007, 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 March 9, The balance at the time of purchase was $ [redacted] expresses concern that Midland Credit has not honored his requests to adjust his payment plan A review of Midland Credit’s business records indicates that [redacted] agreed to a payment arrangement on August 18, 2011, but was unable to continue making payments in October On July 21, 2014, [redacted] agreed to another payment arrangement to resolve the balance Subsequently, while [redacted] submitted payments according to the payment plan, he requested multiple times to adjust the dates of his payment plan Midland Credit apologizes for any confusion [redacted] may have experienced as a result of the changes in his plan, and the timing of the letters that were sent to confirm the updated changes [redacted] also writes that he requested the payment dates for both January and February be moved to the last day of the month, but that he was notified by Midland Credit that the February payment would be withdrawn prior to the end of the month Midland Credit apologizes for any miscommunication [redacted] notification was too near the payment run date for Midland credit to be able to stop the payment from being processed Midland Credit advised [redacted] to contact his bank directly to stop the payment [redacted] would have been notified at the time he set the payment arrangement of the amount of time required for Midland Credit to stop payment With that said, in keeping with its Consumer-First policy, Midland Credit will accept the monies [redacted] has paid toward the account to date as final resolution of the account [redacted] has no further financial obligation for this account Midland Credit will update the credit reporting 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.” 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 October 6, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on June 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 8, 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 September 2, The balance at the time of purchase was $1, [redacted] expresses concern that Midland Credit attempted to process a payment prior to the agreed upon date A review of Midland Credit’s business records indicates that on August 14, 2014, during a conversation with a Midland Credit representative, [redacted] agreed to a repayment plan that consisted of seven monthly payments of $105.37, on the 5th of every month, starting September 5, It appears that due to administrative oversight, the Midland Credit representative did not change the date to the 5th, so the system recognized that the repayment plan began on the same date On August 21, 2014, when the oversight was discovered, the account manager attempted to call [redacted] back to inform her of the error The call was subsequently transferred to a Group Manager, who attempted to inform [redacted] that no funds were taken because the account number entered into the system was invalid Midland Credit sincerely apologizes for any inconvenience [redacted] may have experienced 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] Please have [redacted] call her at ( [redacted] ext [redacted] if she wishes to reinstate the payment plan arrangement or discuss other repayment options Lastly, [redacted] also mentions that she receives income from Social Security benefits As stated in Article of its Consumer Bill of Rights, Midland Credit stands ready to assist [redacted] ***, and will cease collection activities, when it receives documentation indicating that [redacted] ***’s only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that [redacted] has no access to other assets [redacted] may submit the appropriate documentation to Consumer Support Services at the address on this letter head In the meantime, the above-referenced account will remain coded “cease and desist.” Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry dated October 9, 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 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 December 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 7, 2010, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 15, The balance at the time of purchase was $3, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 8, 2010, as a [redacted] ***./ [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 9, The balance at the time of purchase was $1, [redacted] expresses concern that Midland Credit has attempted to collect the above-referenced debts without taking his situation into account Midland Credit is sensitive to [redacted] ’s situation However a review of its business records indicates that Midland Credit was never previously made aware of any financial hardships, physical disabilities, or any other reason that would preclude him from being able to work with Midland Credit representatives to resolve the above-referenced accounts While Midland Credit continues to service account no [redacted] directly, a review of its business records indicates that account no [redacted] was outsourced to the law firm of [redacted] on April 28, [redacted] is located at [redacted] Their phone number is [redacted] Midland Credit has forwarded a copy of [redacted] ’s complaint to the firm The firm has advised that [redacted] has never previously contacted them or responded to attempts to resolve the account [redacted] also alleges that Midland Credit and/or [redacted] has taped documents to his residence and blocked his driveway Midland Credit has only sent letters or attempted phone calls to [redacted] Similarly, [redacted] advises they acted appropriately in their attempts to contact him Service of process was completed by posting court documents to [redacted] ’s home However, this was an acceptable form of alternate service which was approved by a judge after [redacted] proved that [redacted] had been avoiding service A copy of the affidavit of service is enclosed Please note that it shows that an order was granted authorizing alternative method of service for the summons and complaint A default judgment was subsequently obtained on March 10, Since [redacted] failed to make arrangements to resolve the judgment, [redacted] appropriately proceeded to obtain a garnishment A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies Based on the information available to it, Midland Credit must respectfully conclude that both its representatives and [redacted] have acted appropriately Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution for account no [redacted] If [redacted] is ready to resolve account no [redacted] , please have him call Account Manager [redacted] at [redacted] She can assist [redacted] in reaching a resolution that will be both beneficial to him, as well as settle the account balance In the meantime, per [redacted] ’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law or unless it is for a specific purpose related to its legal efforts 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. Dear [redacted] Thank you for your letter and for finally addressing my issues directly. However, your letter ignores specific questions and doesn’t provide me with an explanation of the many reporting inaccuracies. We agree that we are talking about the two accounts [redacted] and [redacted] . Just for the record I never said that you never contacted me. I asked for more than a simple validation, I was asking for a proof that this account was mine. The only information that it was provided by you contained similar information to the information that you provided on this letter about the two accounts. (See documents attached). Also, you must be very careful with the wording that you use. You said that I said that your company had “altered” my information. This is a very serious accusation, as I never said that you had “altered” my account. I simply stated that you were not reporting my full name, when you use the verb “alter” it sounds like you intentionally made changes to my name and I didn’t say that. As you state in your letter this is the information that you’ve received from the alleged original creditor and this is why you are receiving this complaint. You take accounts but do not verify them so if the account does not belong to me or if they information is being reported wrongly you just don’t care because your answer to your complaint will be that that’s what you received (regardless if wrong or not). I’m happy that you explained the term “OPEN” but an account can be either open or closed you can’t report that the account is opened with a credit bureau and closed with another and then blame them that they can update or nor their records. See previous attachment and see that accounts are being reported differently. Obviously you are not reporting the same information to all the bureaus. For your information, my credit reports have been issued directly with [redacted] , [redacted] and [redacted] and I have also used MyFico and CreditKarma so I haven’t only used a compilation source. The information is being reported as I stated on my original complaint with the BBB. You either put the blame on the alleged original creditor (for sending you the wrong information) or on the bureaus (for reporting the wrong information). So I’m assuming that you believe that you do everything right even when you just admitted in your letter that you just use the information given to you regardless. So you are still reporting this account wrongly and several FDCPA violations have been found, like the ones I mentioned on my previous letter and the fact that you reported my account while it was in the middle of a dispute. Since you said you bought this account no worries about my relationship with the alleged original creditor but rest assured they’ve been taken care of already. My complaint is directly with you because you are the one reporting wrongly and you don’t want to take responsibility for it. I tried to fix this issue peacefully and I thought that a complaint with BBB would make you look into the accounts and see the issues with it but I guess I was wrong. Please remove these accounts immediately from my credit reports. If this issue doesn’t get fixed within 15 days or I will be filing an official complaint with the Consumer Financial Protection Bureau, the attorney general, the Federal Trade Commission and ACA International. Although, I would like to resolve things without an attorney I will look legal counsel if my accounts still appear on any of my credit reports 30 days from today. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a $1,000 fine, payable to me. I can assure you that the payment would be higher than the amount that you say that I owe. So please, read all my complaints again and especially this one and admit that you might be reporting the wrong person. Thank You. Regards, [redacted]
Dear [redacted] : Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. ***... *** 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 September 14, 2012. Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on July 1, 2007 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 November 25, 2011. The balance at the time of purchase was $502.90. [redacted] *** expresses a concern that the above-referenced account was closed after her contract with [redacted] expired and that she does not owe any money towards the debt. On September 22, 2012, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and informed her of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [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. Midland Credit received the first correspondence requesting validation from [redacted] *** on August 19, 2014, which cannot be considered timely. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt. While not the only item of concern in the complaint, [redacted] also states that Midland Credit representatives were rude and provided information about the account to family members. A review of Midland Credit’s business records was unable to locate a conversation wherein either allegation occurred. If [redacted] *** can provide more information about when the call(s) in question may have occurred, she may contact Midland Credit’s Consumer Support Services Department at [redacted] so further investigation may be conducted. Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
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, when it does send deletions to [redacted] within days, will consider this complaint resolvedI wish to thank Midland Funding/Midland Credit Management, and the San Diego Revdex.com, for their time and efforts to resolve this dispute Regards, [redacted]
Dear M [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] *** Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 31, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 17, 2010, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 1, The balance at the time of purchase was $ Final payment on the account was received on May 10, [redacted] has no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 10, 2007, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 12, The balance at the time of purchase was $ As indicated above, after [redacted] had resolved the balance for account no [redacted] , Midland Funding subsequently purchased a separate account from [redacted] and assigned it to Midland Credit for servicing It appears that attempts to collect on the second account may be the basis for his concerns [redacted] also expresses a concern that Midland Credit representatives have contacted him excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law If [redacted] is ready to resolve account no [redacted] , [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as resolve the account balance In the meantime, per [redacted] ***'s concerns about receiving calls and letters from Midland Credit, account no [redacted] has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. Most of what was communicated In the reply from Midland LLC are just legal justification that I had Infaxt obtained the credit and that the account was charged off, as for as being served with court documents I have never received any such paper even though they state that it was delivered, also I was never offered a settlement in the past other that each time I had a phone conversation with a representative their primary concern was only to collect the debt. Every attempt they made to collect such debt I tried to explain the debt was paid and with no paper trail proof to submit I am basically forced to accept such debt. My ultimate resolution is to clear this debt up and stop occurring more interest as this continue to drag out, it's a charge off account which unfortunately was bought as a third party as a means to be profitable for the purchaser, I am however willing to work out a settlement with the business to hopefully reslve and end this ongoing cost to not only my lovely hood but my credibility, thanks on advance. 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: Mon, Oct 20, at 2:PM Subject: complaint id # [redacted] To: [redacted] I received a response to my complaint # [redacted] against Midland Credit Management earlier this month Unfortunately I was unable to respond using the link provided by the Revdex.comI have however read the response provided by Midland and do not accept their response My request was for two extremely simple actions to be taken by Midland and their response they refuse to take the appropriate actions which I requested as follows: Midland must arrange for the removal of the four DEMAND LETTERS which they mailed to my house for an unknown, unrelated individual Midland’s suggestion that I “disregard” their repulsive, knowingly dishonest, illegal correspondence is insulting and ludicrous I AM DEMANDING COMPLETE REMOVAL of the incorrect, illegal association that MIDLAND has made with meThis demand includes the permanent removal of the following information from any and all files they have for [redacted] *** MY NAME, MY ADDRESS, MY TELEPHONE NUMBER must immediately and permanently be removed from the an illegal association which Midland created Their file WILL NOT CONTINUE to list my phone number or address or name with the account of [redacted] As clarification for the Revdex.com, marking my address as “DO NOT MAIL” does no remove the illegal, fraudulent, damaging association that they have made with me, a completely innocent unrelated partyIn addition marking their file as “DO NOT CALL” , also does not eliminate the knowingly illegal fraudulent association which Midland has made BOTH of these conditions will be met by Midland in order for my complaint to be considered resolved Thank you for your assistance, [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 will be esculating this to a Govt agency better able to persue MCM Regards, [redacted]
Dear [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, 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 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 29, 2007, 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 March 26, The balance at the time of purchase was $ [redacted] writes that he has been told conflicting information about the date that account will stop reporting to his credit report Additionally, in phone conversations with Midland Credit representatives, [redacted] referenced both the seven-year Federal Reporting Period and the statute of limitations in reference to credit reporting To clarify, the statute of limitations date is the date on which litigation can no longer be pursued as a potential remedy A review of Midland Credit’s business records indicates that the statute of limitations expired on September 4, However, please note that the passing of the statute of limitations does not extinguish the validity of the debt 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 The seven-year Federal Reporting Period is determined based on the date of original delinquency A review of Midland Credit’s business records indicates that the seven-year Federal Reporting Period for the above-referenced account will expire in August As described in the complaint, [redacted] 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 The alleged conduct described by [redacted] has been investigatedA review of Midland Credit’s business records indicates that [redacted] has contacted Midland Credit numerous times to request information concerning the reporting of the account [redacted] references a conversation from January 2015, in which he was advised that the account was “in collection” in March 2008, and that the account would stop reporting in March Midland Credit does not have record of such a conversation in January Midland Credit’s business records indicate that the first conversation concerning credit reporting of the account occurred on March 10, At that time, [redacted] was appropriately advised of information concerning the date of delinquency, the seven-year Federal Reporting Period, and statute of limitations On March 20, 2015, [redacted] again contacted Midland Credit, and was incorrectly advised by a representative of the account’s date of delinquency, and thusly the time at which the seven-year Federal Reporting Period would expire That same day, [redacted] contacted Midland Credit again and spoke with a representative, and was advised of the correct date and reporting period for the account During subsequent calls, [redacted] was advised of the correct date of charge-off, date of delinquency, and Federal Reporting Period Midland Credit apologizes for the error and any confusion caused by the misinformation Please assure [redacted] that Midland Credit does not modify or alter any of the original account information provided by the seller It is Midland Credit’s policy to report all accounts accurately As noted above, the seven-year Federal Reporting Period for the account will expire in August Should [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Per [redacted] ***’s previous request to not receive phone calls, the above-referenced account was marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry dated August 26, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 21, 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 May 22, The balance at the time of purchase was $1, That being said, [redacted] requests validation for the above referenced accountA review of Midland Credit’s business records indicates that on April 5, 2014, 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 the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letterIn 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 debtBased on the referenced information, a review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the credit reporting agencies Midland Credit has acted in a timely manner and complied with all applicable lawsHowever, in keeping with its Consumer-First policy, Midland Credit has acknowledged [redacted] ’s dispute, ceased collection efforts, annotated the account as disputed, and has begun the process of verifying the debtOnce Midland Credit has obtained verification of the debt, a copy will be forwarded to your officeAdditionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide verification of the debt Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
March 11, 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] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 26, 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 February 11, 2011, 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 22, The balance at the time of purchase was $ Final payment on the account was received on October 25, [redacted] has no further financial obligation for this account [redacted] writes that he is not sure if Midland Credit is a legitimate company, and that when he contacted the original creditor for the above-referenced account, the representative advised him that Midland Credit did not handle collections for it Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] , the representative of the original credit provider may not have had access to the pertinent account information [redacted] also references paying toward a [redacted] account in 2012, but then stopped due to his concernsA review of Midland Credit’s business records indicates that [redacted] contacted Midland Credit on June 3, 2013, to set up a payment plan to resolve the balance Final payment on the account was received on October 25, 2013, and [redacted] has no further financial obligation for this account [redacted] also states that he recently received a letter regarding a [redacted] account of which he does not have any knowledge An investigation of the matter indicates Midland Credit is the servicer of a different account belonging to another consumer with the same name as [redacted] ’s During a search for the correct consumer, [redacted] ’s address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] ’s address has been marked “Do Not Mail” in Midland Credit’s computer system for the [redacted] account Please assure [redacted] that he will no longer receive correspondence from Midland Credit representatives regarding the referenced account Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] ***should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 9, 2015. Midland Credit appreciates the opportunity to answer your questions. An... investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 27, 2010. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 27, 2005, 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 March 31, 2010. The balance at the time of purchase was $1,428.71. [redacted] states he is unaware of any purchase through the original creditor. Midland Credit sent [redacted] a validation letter on May 1, 2010. 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. Midland Credit’s business records indicate that it received the first correspondence from [redacted] on January 2, 2015. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt. Based on the information [redacted] provided in his January 2015 correspondence, and pursuant to the [redacted] Finance Code, Midland Credit responded by sending him a letter on January 16, 2015 advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate. [redacted] also writes that the above-referenced account does not belong to him. If the last four digits of the social security number provided above do not match the last four digits of [redacted] social security number, please have him contact Consumer Support Services at [redacted] 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 account is accurate. Midland Credit will be closing its investigation of [redacted] ’s dispute and will be resuming regular collection activities as allowed by the *** 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 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 made several attempt to resolve this matter and midland credit management refuse to acknowledge my previous agreement of $3,115.12of which I owe $$ Regards, [redacted]
Dear [redacted] Thank you for your letter 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 An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 11, 2007, as a [redacted] *** credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 25, The balance at the time of purchase was $ Final payment on the account was received on August 25, [redacted] has no further financial obligation for this account [redacted] expresses a concern that his validation requests have been ignored On September 19, 2012, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) 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] response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on September 8, 2014, which cannot be considered timely Additionally, by that time [redacted] had already resolved the debt 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 A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 17, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information for the three accounts referenced above in its previous letter response to your office dated February 4, [redacted] writes that he still believes that Midland Credit must provide him verification of the debts As stated in its previous response: Midland Credit mailed [redacted] separate and unique validation letters for each of the accounts These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies That being said, Midland Credit has since received verification information from the sellers for account nos [redacted] and [redacted] Copies of the verification information provided by the sellers for these two accounts are enclosed for [redacted] ’s records 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 He may forward appropriate documentation to Consumer Support Services at the address on this letterhead Otherwise, as stated in Midland Credit’s previous response; if [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching resolutions that will be both beneficial to him, as well as resolve the account balances Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I do not accept this due to the fact the account should have been terminated because I was incarceratedI called in ti the [redacted] company before actual incarceration and told them thisThey agreed to terminate Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am glad they were able to agree to the 50% but the complaint is not just about that, it is in reference to being promised that once paid the debts would be removed from my credit profilePlease honor your original agreement and accept the 50% along with the removalIf those terms can be met, I will pay immediately On a side note, I do understand there company policy is to not remove things from credit but I was promised those termsPlease honor those terms promised by your team member Regards, [redacted]
Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 3, 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 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 8, 2007, 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 March 9, The balance at the time of purchase was $ [redacted] expresses concern that Midland Credit has not honored his requests to adjust his payment plan A review of Midland Credit’s business records indicates that [redacted] agreed to a payment arrangement on August 18, 2011, but was unable to continue making payments in October On July 21, 2014, [redacted] agreed to another payment arrangement to resolve the balance Subsequently, while [redacted] submitted payments according to the payment plan, he requested multiple times to adjust the dates of his payment plan Midland Credit apologizes for any confusion [redacted] may have experienced as a result of the changes in his plan, and the timing of the letters that were sent to confirm the updated changes [redacted] also writes that he requested the payment dates for both January and February be moved to the last day of the month, but that he was notified by Midland Credit that the February payment would be withdrawn prior to the end of the month Midland Credit apologizes for any miscommunication [redacted] notification was too near the payment run date for Midland credit to be able to stop the payment from being processed Midland Credit advised [redacted] to contact his bank directly to stop the payment [redacted] would have been notified at the time he set the payment arrangement of the amount of time required for Midland Credit to stop payment With that said, in keeping with its Consumer-First policy, Midland Credit will accept the monies [redacted] has paid toward the account to date as final resolution of the account [redacted] has no further financial obligation for this account Midland Credit will update the credit reporting 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.” 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 October 6, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on June 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 8, 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 September 2, The balance at the time of purchase was $1, [redacted] expresses concern that Midland Credit attempted to process a payment prior to the agreed upon date A review of Midland Credit’s business records indicates that on August 14, 2014, during a conversation with a Midland Credit representative, [redacted] agreed to a repayment plan that consisted of seven monthly payments of $105.37, on the 5th of every month, starting September 5, It appears that due to administrative oversight, the Midland Credit representative did not change the date to the 5th, so the system recognized that the repayment plan began on the same date On August 21, 2014, when the oversight was discovered, the account manager attempted to call [redacted] back to inform her of the error The call was subsequently transferred to a Group Manager, who attempted to inform [redacted] that no funds were taken because the account number entered into the system was invalid Midland Credit sincerely apologizes for any inconvenience [redacted] may have experienced 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] Please have [redacted] call her at ( [redacted] ext [redacted] if she wishes to reinstate the payment plan arrangement or discuss other repayment options Lastly, [redacted] also mentions that she receives income from Social Security benefits As stated in Article of its Consumer Bill of Rights, Midland Credit stands ready to assist [redacted] ***, and will cease collection activities, when it receives documentation indicating that [redacted] ***’s only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that [redacted] has no access to other assets [redacted] may submit the appropriate documentation to Consumer Support Services at the address on this letter head In the meantime, the above-referenced account will remain coded “cease and desist.” Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry dated October 9, 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 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 December 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 7, 2010, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 15, The balance at the time of purchase was $3, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 8, 2010, as a [redacted] ***./ [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 9, The balance at the time of purchase was $1, [redacted] expresses concern that Midland Credit has attempted to collect the above-referenced debts without taking his situation into account Midland Credit is sensitive to [redacted] ’s situation However a review of its business records indicates that Midland Credit was never previously made aware of any financial hardships, physical disabilities, or any other reason that would preclude him from being able to work with Midland Credit representatives to resolve the above-referenced accounts While Midland Credit continues to service account no [redacted] directly, a review of its business records indicates that account no [redacted] was outsourced to the law firm of [redacted] on April 28, [redacted] is located at [redacted] Their phone number is [redacted] Midland Credit has forwarded a copy of [redacted] ’s complaint to the firm The firm has advised that [redacted] has never previously contacted them or responded to attempts to resolve the account [redacted] also alleges that Midland Credit and/or [redacted] has taped documents to his residence and blocked his driveway Midland Credit has only sent letters or attempted phone calls to [redacted] Similarly, [redacted] advises they acted appropriately in their attempts to contact him Service of process was completed by posting court documents to [redacted] ’s home However, this was an acceptable form of alternate service which was approved by a judge after [redacted] proved that [redacted] had been avoiding service A copy of the affidavit of service is enclosed Please note that it shows that an order was granted authorizing alternative method of service for the summons and complaint A default judgment was subsequently obtained on March 10, Since [redacted] failed to make arrangements to resolve the judgment, [redacted] appropriately proceeded to obtain a garnishment A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies Based on the information available to it, Midland Credit must respectfully conclude that both its representatives and [redacted] have acted appropriately Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution for account no [redacted] If [redacted] is ready to resolve account no [redacted] , please have him call Account Manager [redacted] at [redacted] She can assist [redacted] in reaching a resolution that will be both beneficial to him, as well as settle the account balance In the meantime, per [redacted] ’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law or unless it is for a specific purpose related to its legal efforts 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. Dear [redacted] Thank you for your letter and for finally addressing my issues directly. However, your letter ignores specific questions and doesn’t provide me with an explanation of the many reporting inaccuracies. We agree that we are talking about the two accounts [redacted] and [redacted] . Just for the record I never said that you never contacted me. I asked for more than a simple validation, I was asking for a proof that this account was mine. The only information that it was provided by you contained similar information to the information that you provided on this letter about the two accounts. (See documents attached). Also, you must be very careful with the wording that you use. You said that I said that your company had “altered” my information. This is a very serious accusation, as I never said that you had “altered” my account. I simply stated that you were not reporting my full name, when you use the verb “alter” it sounds like you intentionally made changes to my name and I didn’t say that. As you state in your letter this is the information that you’ve received from the alleged original creditor and this is why you are receiving this complaint. You take accounts but do not verify them so if the account does not belong to me or if they information is being reported wrongly you just don’t care because your answer to your complaint will be that that’s what you received (regardless if wrong or not). I’m happy that you explained the term “OPEN” but an account can be either open or closed you can’t report that the account is opened with a credit bureau and closed with another and then blame them that they can update or nor their records. See previous attachment and see that accounts are being reported differently. Obviously you are not reporting the same information to all the bureaus. For your information, my credit reports have been issued directly with [redacted] , [redacted] and [redacted] and I have also used MyFico and CreditKarma so I haven’t only used a compilation source. The information is being reported as I stated on my original complaint with the BBB. You either put the blame on the alleged original creditor (for sending you the wrong information) or on the bureaus (for reporting the wrong information). So I’m assuming that you believe that you do everything right even when you just admitted in your letter that you just use the information given to you regardless. So you are still reporting this account wrongly and several FDCPA violations have been found, like the ones I mentioned on my previous letter and the fact that you reported my account while it was in the middle of a dispute. Since you said you bought this account no worries about my relationship with the alleged original creditor but rest assured they’ve been taken care of already. My complaint is directly with you because you are the one reporting wrongly and you don’t want to take responsibility for it. I tried to fix this issue peacefully and I thought that a complaint with BBB would make you look into the accounts and see the issues with it but I guess I was wrong. Please remove these accounts immediately from my credit reports. If this issue doesn’t get fixed within 15 days or I will be filing an official complaint with the Consumer Financial Protection Bureau, the attorney general, the Federal Trade Commission and ACA International. Although, I would like to resolve things without an attorney I will look legal counsel if my accounts still appear on any of my credit reports 30 days from today. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a $1,000 fine, payable to me. I can assure you that the payment would be higher than the amount that you say that I owe. So please, read all my complaints again and especially this one and admit that you might be reporting the wrong person. Thank You. Regards, [redacted]
Dear [redacted] : Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. ***... *** 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 September 14, 2012. Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on July 1, 2007 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 November 25, 2011. The balance at the time of purchase was $502.90. [redacted] *** expresses a concern that the above-referenced account was closed after her contract with [redacted] expired and that she does not owe any money towards the debt. On September 22, 2012, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and informed her of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [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. Midland Credit received the first correspondence requesting validation from [redacted] *** on August 19, 2014, which cannot be considered timely. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt. While not the only item of concern in the complaint, [redacted] also states that Midland Credit representatives were rude and provided information about the account to family members. A review of Midland Credit’s business records was unable to locate a conversation wherein either allegation occurred. If [redacted] *** can provide more information about when the call(s) in question may have occurred, she may contact Midland Credit’s Consumer Support Services Department at [redacted] so further investigation may be conducted. Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
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, when it does send deletions to [redacted] within days, will consider this complaint resolvedI wish to thank Midland Funding/Midland Credit Management, and the San Diego Revdex.com, for their time and efforts to resolve this dispute Regards, [redacted]
Dear M [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] *** Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 31, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 17, 2010, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 1, The balance at the time of purchase was $ Final payment on the account was received on May 10, [redacted] has no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 10, 2007, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 12, The balance at the time of purchase was $ As indicated above, after [redacted] had resolved the balance for account no [redacted] , Midland Funding subsequently purchased a separate account from [redacted] and assigned it to Midland Credit for servicing It appears that attempts to collect on the second account may be the basis for his concerns [redacted] also expresses a concern that Midland Credit representatives have contacted him excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law If [redacted] is ready to resolve account no [redacted] , [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as resolve the account balance In the meantime, per [redacted] ***'s concerns about receiving calls and letters from Midland Credit, account no [redacted] has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. Most of what was communicated In the reply from Midland LLC are just legal justification that I had Infaxt obtained the credit and that the account was charged off, as for as being served with court documents I have never received any such paper even though they state that it was delivered, also I was never offered a settlement in the past other that each time I had a phone conversation with a representative their primary concern was only to collect the debt. Every attempt they made to collect such debt I tried to explain the debt was paid and with no paper trail proof to submit I am basically forced to accept such debt. My ultimate resolution is to clear this debt up and stop occurring more interest as this continue to drag out, it's a charge off account which unfortunately was bought as a third party as a means to be profitable for the purchaser, I am however willing to work out a settlement with the business to hopefully reslve and end this ongoing cost to not only my lovely hood but my credibility, thanks on advance. 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: Mon, Oct 20, at 2:PM Subject: complaint id # [redacted] To: [redacted] I received a response to my complaint # [redacted] against Midland Credit Management earlier this month Unfortunately I was unable to respond using the link provided by the Revdex.comI have however read the response provided by Midland and do not accept their response My request was for two extremely simple actions to be taken by Midland and their response they refuse to take the appropriate actions which I requested as follows: Midland must arrange for the removal of the four DEMAND LETTERS which they mailed to my house for an unknown, unrelated individual Midland’s suggestion that I “disregard” their repulsive, knowingly dishonest, illegal correspondence is insulting and ludicrous I AM DEMANDING COMPLETE REMOVAL of the incorrect, illegal association that MIDLAND has made with meThis demand includes the permanent removal of the following information from any and all files they have for [redacted] *** MY NAME, MY ADDRESS, MY TELEPHONE NUMBER must immediately and permanently be removed from the an illegal association which Midland created Their file WILL NOT CONTINUE to list my phone number or address or name with the account of [redacted] As clarification for the Revdex.com, marking my address as “DO NOT MAIL” does no remove the illegal, fraudulent, damaging association that they have made with me, a completely innocent unrelated partyIn addition marking their file as “DO NOT CALL” , also does not eliminate the knowingly illegal fraudulent association which Midland has made BOTH of these conditions will be met by Midland in order for my complaint to be considered resolved Thank you for your assistance, [redacted] ***
Thank you! No further action will be taken
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 will be esculating this to a Govt agency better able to persue MCM Regards, [redacted]
Dear [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, 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 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 29, 2007, 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 March 26, The balance at the time of purchase was $ [redacted] writes that he has been told conflicting information about the date that account will stop reporting to his credit report Additionally, in phone conversations with Midland Credit representatives, [redacted] referenced both the seven-year Federal Reporting Period and the statute of limitations in reference to credit reporting To clarify, the statute of limitations date is the date on which litigation can no longer be pursued as a potential remedy A review of Midland Credit’s business records indicates that the statute of limitations expired on September 4, However, please note that the passing of the statute of limitations does not extinguish the validity of the debt 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 The seven-year Federal Reporting Period is determined based on the date of original delinquency A review of Midland Credit’s business records indicates that the seven-year Federal Reporting Period for the above-referenced account will expire in August As described in the complaint, [redacted] 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 The alleged conduct described by [redacted] has been investigatedA review of Midland Credit’s business records indicates that [redacted] has contacted Midland Credit numerous times to request information concerning the reporting of the account [redacted] references a conversation from January 2015, in which he was advised that the account was “in collection” in March 2008, and that the account would stop reporting in March Midland Credit does not have record of such a conversation in January Midland Credit’s business records indicate that the first conversation concerning credit reporting of the account occurred on March 10, At that time, [redacted] was appropriately advised of information concerning the date of delinquency, the seven-year Federal Reporting Period, and statute of limitations On March 20, 2015, [redacted] again contacted Midland Credit, and was incorrectly advised by a representative of the account’s date of delinquency, and thusly the time at which the seven-year Federal Reporting Period would expire That same day, [redacted] contacted Midland Credit again and spoke with a representative, and was advised of the correct date and reporting period for the account During subsequent calls, [redacted] was advised of the correct date of charge-off, date of delinquency, and Federal Reporting Period Midland Credit apologizes for the error and any confusion caused by the misinformation Please assure [redacted] that Midland Credit does not modify or alter any of the original account information provided by the seller It is Midland Credit’s policy to report all accounts accurately As noted above, the seven-year Federal Reporting Period for the account will expire in August Should [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Per [redacted] ***’s previous request to not receive phone calls, the above-referenced account was marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry dated August 26, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 21, 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 May 22, The balance at the time of purchase was $1, That being said, [redacted] requests validation for the above referenced accountA review of Midland Credit’s business records indicates that on April 5, 2014, 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 the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letterIn 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 debtBased on the referenced information, a review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the credit reporting agencies Midland Credit has acted in a timely manner and complied with all applicable lawsHowever, in keeping with its Consumer-First policy, Midland Credit has acknowledged [redacted] ’s dispute, ceased collection efforts, annotated the account as disputed, and has begun the process of verifying the debtOnce Midland Credit has obtained verification of the debt, a copy will be forwarded to your officeAdditionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide verification of the debt Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
March 11, 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] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 26, 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 February 11, 2011, 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 22, The balance at the time of purchase was $ Final payment on the account was received on October 25, [redacted] has no further financial obligation for this account [redacted] writes that he is not sure if Midland Credit is a legitimate company, and that when he contacted the original creditor for the above-referenced account, the representative advised him that Midland Credit did not handle collections for it Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] , the representative of the original credit provider may not have had access to the pertinent account information [redacted] also references paying toward a [redacted] account in 2012, but then stopped due to his concernsA review of Midland Credit’s business records indicates that [redacted] contacted Midland Credit on June 3, 2013, to set up a payment plan to resolve the balance Final payment on the account was received on October 25, 2013, and [redacted] has no further financial obligation for this account [redacted] also states that he recently received a letter regarding a [redacted] account of which he does not have any knowledge An investigation of the matter indicates Midland Credit is the servicer of a different account belonging to another consumer with the same name as [redacted] ’s During a search for the correct consumer, [redacted] ’s address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] ’s address has been marked “Do Not Mail” in Midland Credit’s computer system for the [redacted] account Please assure [redacted] that he will no longer receive correspondence from Midland Credit representatives regarding the referenced account Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] ***should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 9, 2015. Midland Credit appreciates the opportunity to answer your questions. An... investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 27, 2010. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 27, 2005, 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 March 31, 2010. The balance at the time of purchase was $1,428.71. [redacted] states he is unaware of any purchase through the original creditor. Midland Credit sent [redacted] a validation letter on May 1, 2010. 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. Midland Credit’s business records indicate that it received the first correspondence from [redacted] on January 2, 2015. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt. Based on the information [redacted] provided in his January 2015 correspondence, and pursuant to the [redacted] Finance Code, Midland Credit responded by sending him a letter on January 16, 2015 advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate. [redacted] also writes that the above-referenced account does not belong to him. If the last four digits of the social security number provided above do not match the last four digits of [redacted] social security number, please have him contact Consumer Support Services at [redacted] 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 account is accurate. Midland Credit will be closing its investigation of [redacted] ’s dispute and will be resuming regular collection activities as allowed by the *** 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 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 made several attempt to resolve this matter and midland credit management refuse to acknowledge my previous agreement of $3,115.12of which I owe $$ Regards, [redacted]
Dear [redacted] Thank you for your letter 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 An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 11, 2007, as a [redacted] *** credit card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 25, The balance at the time of purchase was $ Final payment on the account was received on August 25, [redacted] has no further financial obligation for this account [redacted] expresses a concern that his validation requests have been ignored On September 19, 2012, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) 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] response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on September 8, 2014, which cannot be considered timely Additionally, by that time [redacted] had already resolved the debt 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 A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 17, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information for the three accounts referenced above in its previous letter response to your office dated February 4, [redacted] writes that he still believes that Midland Credit must provide him verification of the debts As stated in its previous response: Midland Credit mailed [redacted] separate and unique validation letters for each of the accounts These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies That being said, Midland Credit has since received verification information from the sellers for account nos [redacted] and [redacted] Copies of the verification information provided by the sellers for these two accounts are enclosed for [redacted] ’s records 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 He may forward appropriate documentation to Consumer Support Services at the address on this letterhead Otherwise, as stated in Midland Credit’s previous response; if [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching resolutions that will be both beneficial to him, as well as resolve the account balances 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