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 not consider this case closed until I receive validation of this debtIf they cannot provide this validation in the time allowed by law then they must cease collection efforts and remove this debt from my nameFurthermore, the statute of limitations in [redacted] on debt has passed; with this fact alone they should cease collection efforts I’ll wait for their response before I take further actionThank you for your help [redacted] Regards, [redacted] ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.They are not going to do anything additional about it and are basically saying im lying and it is what it is I dont agree with this but, will use the information they have provided going forwardThank you for your help in this matterIt is extremely unfortunate that Midland isnt going to do anything to help me with this matter THANK YOU for your help and attention with this matter Regards, [redacted]
December 4, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of Dr [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry dated November 20, 2014, regarding Dr***’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 July 30, Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on May 31, 2007, as a [redacted] account number ending in ***, in the name of [redacted] Ajym, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, The balance at the time of purchase was $ Final payment on the account was received on October 29, Dr [redacted] has no further financial obligation for this account Dr [redacted] expresses a concern that [redacted] added erroneous insurance charges to the account, and that Midland Credit agreed to remove the account from his consumer credit files in exchange for payment resolving the balance Midland Credit has not received any documentation supporting Dr***’s claim, or any indication from the seller that charges on the account were inaccurate Additionally, while Midland Credit is pleased that it was able to assist Dr [redacted] in reaching a resolution which settled the balance for the above-referenced account, a review of its business records does not appear to indicate any agreement was made to remove the account from his consumer credit files as part of that resolution With that said, in keeping with its Consumer-First policy, Midland Credit will fulfill Dr***’s request While the account will continue to reflect a paid status within Midland Credit’s files, the three major credit reporting agencies have been notified to remove the account from his consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Dr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear Ms***: Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 19, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to locate Ms***’s account based on the address of [redacted] ***, and phone number ###-###-#### Please have Ms [redacted] provide any of the following to assist in locating the account in question: the Midland Credit account number, her social security number, the original account number, or any former names used by Ms *** Once that information is received, and the account is located, Midland Credit will investigate her complaint Ms [redacted] may call Midland Credit’s Consumer Support Services team at ###-###-#### to provide this information so that Midland Credit may resolve her complaint more quickly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at ###-###-#### 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: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 refuting the statement made by Midland Credit that they mailed me a validation letter dated December 25, 2009 to dispute debt. On December 22, 2014, I mailed Midland Credit requesting validation of debt and received no response from them in regard to that request. Further, Midland Credit states that they will not report the account to the three major credit reporting agencies until they are able to provide verification of debt is not the case. The three credit reports attached as exhibits will show they have reported the account delinquent with Equifax with out providing me validation/verification of debt as stated in their rebuttal letter. Thank you for your assistance with this matter.Regards, [redacted]
Dear [redacted] Thank you for your letter inquiry dated September 22, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] which are being reported to the three major credit reporting agencies Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 13, 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 14, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 5, as an [redacted] *** account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 13, The balance at the time of purchase was $ [redacted] expresses a concern that the above-referenced accounts are the result of identity theft or fraud Midland Credit mailed [redacted] separate and unique validation letters – on October 6, for account no [redacted] , and on October 17, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were 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 debts or requesting validation from [redacted] in response to the letters In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts Although his requests are not timely, a copy of the verification information provided by the seller is enclosed for [redacted] records Please note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) Upon receipt of his complaint, Midland Credit inquired with [redacted] about the above-referenced accounts and, in both instances, the seller advised that they were never made aware of a fraud claim Additionally, [redacted] ***, as the original creditors, may be reporting the accounts They may also have decided to delete their tradelines when they sold the account Whether or not the original creditors are reporting the accounts, they remain valid, due and owing When [redacted] previously raised his concerns to Midland Credit, he was advised to provide supporting documentation, such as a police report or affidavit of fraud To date, no documentation has been received Midland Credit continues to stand 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 again 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 Based on the information provided by the seller, Midland Credit must respectfully conclude the debts remain valid, due, and owing to it A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced 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 settle the account balances In the meantime, the above-referenced accounts have been marked “Cease and Desist.” While they remain 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] Enclosure
Dear [redacted] Thank you for your letter inquiry dated September 8, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 5, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on January 30, as a [redacted] account number ending in [redacted] , in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 27, The balance at the time of purchase was $ Final payment on the account was received on June 4, [redacted] has no further financial obligation for this account [redacted] expresses a concern that Midland Credit is not accurately reporting the above-referenced account to his consumer credit filesHe also requests that Midland Credit validate the payment history and have this information be reflected on his consumer credit files A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account,” with a last payment date of June 4, 2012, as referenced above If Midland Credit were to delete the account, its correct and accurate status would not be reflected A copy of [redacted] ***’s payment history is enclosed [redacted] has no further financial obligation for this account In an effort to reconfirm accurate reporting of its tradeline, Midland Credit submitted an instant update to the three major credit reporting agencies on September 12, The credit reporting agencies have advised that this may require up to days for processing [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported In addition, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself 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, if it does, will consider this complaint resolved To be more specific, my expectations that all three major credit reporting agencies [redacted] ) have deleted the negative entry from my credit file The time frame for deletion was not mentioned in Midland's correspondence, assuming action to solution will be met within 30days of their reply 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. Thank you for your timely response to my complaint. I still believe the information provided to me incomplete and inaccurate. I do not accept liability for this debt. Although I would like to see this issue resolved, I would have to respectfully decline any offers to do so via phone. I will only accept written communication from Midland Credit Management, Inc. and its representatives in the resolution of this matter. Thank you again for your time. Regards, [redacted]
Dear [redacted] Thank you for your follow-up letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 26, 2015. Midland Credit appreciates the opportunity to answer your questions. [redacted] continues to expresses concern that an account review inquiry has been placed on her credit report, and states that Midland Credit does not have permissible purpose to do so. [redacted] also provides the last four digits of her social security number and writes that she does not have a collection account being serviced by Midland Credit matching her social security number. Midland Credit ran a search against [redacted] ’s social security number, which provided a match to her name as being [redacted] . Midland Credit business records therefore indicate that it was the servicer of account nos. [redacted] and [redacted] , which match the last four digits of [redacted] ’s social security number. However, these two accounts were sold in 2006. Midland Credit is also currently servicing two additional accounts belonging to [redacted] , account nos. [redacted] and [redacted] . Midland Credit became the servicer of account no. [redacted] on September 27, 2001. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 1, 1997, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 31, 1997. The balance at the time of purchase was $428.98. This account was sold to [redacted] on or about June 2, 2006, whose mailing address is [redacted] ***. Their telephone number is [redacted] . Midland Credit last reported this account to the credit reporting agencies in March of 2004. Midland Credit became the servicer of account no. [redacted] on June 30, 2003. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 22, 1996, as a [redacted] account number ending in ***, 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 1, 2000. The balance at the time of purchase was $2,412.74. This account was sold to [redacted] on or about March 14, 2006, whose mailing address is [redacted] ***. Their telephone number is [redacted] . Midland Credit last reported this account to the credit reporting agencies in January of 2006. Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on December 4, 2007. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 12, 1998, as a [redacted] account number ending in ***, 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 13, 2000. The balance at the time of purchase was $12,753.25. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies. Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on May 14, 2013. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 17, 2010, as a [redacted] account number ending in ***, in the name of [redacted] . Subsequently, the account was charged-off as an unpaid delinquent-debt on June 9, 2011. The balance at the time of purchase was $261.49. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies. With respect to [redacted] ’s concern that an account review inquiry has been placed on her credit report, please note that items appearing under this section of the credit report have no relation to the collection of an account being serviced by Midland Credit. Pursuant to Section 604(a)(3)(E) of the Fair Credit Reporting Act, Midland Credit has permissible purpose to inquire upon accounts for the purpose of potential investment. Midland Credit pulled [redacted] ’s credit when determining whether to invest in a portfolio of accounts which contained an account belonging to [redacted] . Midland Credit is not currently credit reporting any account belonging to [redacted] . The inquiry she sees on her credit report was solely related to the determination of potential purchase of accounts, which may or may not have been purchased. [redacted] may contact the credit reporting agencies to dispute the inquiry. [redacted] additionally writes that she received calls from Midland Credit on her cell phone, and states that she is not providing her cell phone number. Midland Credit understands [redacted] ’s concern in providing her cell phone number, however, this is the best way for Midland Credit to locate her cell phone number and ensure that no further calls are placed to that number. Without being provided that information, Midland Credit is unable to determine the phone number to cease calling. In order to cease the calls [redacted] mentions, please have her call Midland Credit’s Consumer Support Services team at [redacted] to provide her cell phone number so that Midland Credit may further investigate this claim. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] , Esq. Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 2, 2000, 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 29, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that on February 16, 2014, this account was outsourced to the law firm of [redacted] *** located at [redacted] Their phone number is [redacted] Final payment on the account was received by Midland Credit on June 19, [redacted] has no further financial obligation for this account [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid While Midland Credit is pleased that [redacted] *** was able to assist MrGagliano in reaching a resolution which resolved the balance of the account, it is Midland Credit’s policy to report all accounts accurately A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] ***: Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Re: Consumer complaint of [redacted] M [redacted] Revdex.com# [redacted] MCM# [redacted] Thank you for your letter inquiry dated August 11, 2014, regarding Ms***’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 July 26, Information provided by the seller, Argent Holdings, LLC, at the time of acquisition indicates this account was originated on January 5, as a Wells Fargo Bank, N.AVISA account number ending in 0114, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, The balance at the time of purchase was $4, Ms [redacted] is requesting validation of her debt Midland Credit sent Ms [redacted] a validation letter on July 31, In the letter, Midland Credit informed that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied U.S.C§ Midland Credit’s business records indicate that it has not received any correspondence from Ms [redacted] in response to that letter or pursuant to the Texas Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt Ms [redacted] writes that the suit brought against her was dismissed, however, collection activity continues and/or the account is still reporting on her consumer credit files Please note that a review of Midland Credit’s business records indicates that the suit was dismissed without prejudice, which does not extinguish the validity of the debt The account remains due and owing to Midland Credit Business records indicate that Midland Credit is accurately reporting the above-referenced account to the credit reporting agencies Midland Credit will be closing its investigation of Ms***’s dispute and will be resuming regular collection activities as allowed by the Texas 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 Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
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 still have never recieved anything in the mail from them and they continue to lie about thisI refuse to fill out a fraud form and sign it with a notary without actually having any info on this account other than what they have provided hereAlso when the rep told me the info on the phone she said I owed almost 899$I want the validation in front of me so I can fill out forms properlyIf they have validation they should be forced to attach it to this complaint, which they still refuse to doI can easily send an email stating they owe me money and its not enough for me to give them any of my banking infoThey are liars and scam artists and have been sued numerous times for illegal debt practiceI will still give them days to provide validation before sending my letter on intent to sue Regards, [redacted]
August 19, 2014 VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] BBB#... [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated August 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on January 31, 2013. Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on October 19, 2010 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 August 9, 2011. The balance at the time of purchase was $287.95. [redacted] expresses a concern that his validation requests have been ignored. On March 15, 2013, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [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. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on July 14, 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 [redacted] and collect the debt. A review of Midland Credit’s business records indicates that it was accurately reporting the above-referenced account to the three major credit reporting agencies. While Midland Credit has acted in a timely manner and has complied with all applicable laws, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from [redacted] ’s consumer credit files. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Dear [redacted] Thank you for your follow-up letter inquiry dated November 10, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. [redacted] reiterates her request for validation of the debt and states she will not submit a fraud affidavit without such documentation. Midland Credit maintains the position previously stated to [redacted] . It adhered to applicable laws, including the Fair Debt Collection Practices Act (“FDCPA”). The validation letter was sent to [redacted] on February 13, 2013 and correspondence requesting validation was not received until her initial complaint to the CFPB in October 2014. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt. With that said, Midland Credit remains ready to assist [redacted] in clearing her record if she believes this account does not belong to her and she has been a victim of identity theft or fraud. As previously stated, to support such a claim, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she 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. She may forward appropriate documentation to Consumer Support Services at the address on this letterhead. With that said, although [redacted] ’s request is untimely, in keeping with its Consumer-First policy, Midland Credit has ceased collection efforts, annotated the account as disputed, and begun the process of obtaining verification information from the seller. Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office. Additionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide verification of the debt. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
March 3, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] and [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 17, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 6, Midland Credit apologizes for the confusion its previous response caused to [redacted] [redacted] writes that she never had a credit card with a $balance, and that her dispute did not have anything to do with a [redacted] auto loan account However, [redacted] then requests information concerning both the credit card account, and the auto loan with [redacted] *** As stated in its previous response, and to further clarify: Midland Credit is the servicer of two accounts belonging to [redacted] Account no [redacted] is a [redacted] *** account Account no [redacted] is a [redacted] *** auto deficiency account For clarity the accounts have been separated below Account Number [redacted] This account was a [redacted] *** As stated in its previous response, Midland Credit mailed [redacted] a validation letter for this account on March 16, Midland Credit did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter [redacted] ’s first request for validation was received on December 1, Midland Credit respectfully maintains its position that [redacted] ’s request cannot be considered timely With that said, [redacted] states that she is unfamiliar with account no [redacted] Midland Credit stands ready to assist [redacted] in clearing her record if she 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 she 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 She may forward appropriate documentation to Consumer Support Services at the address on this letterhead Account Number [redacted] writes that the [redacted] complaint is being handled by the government In its initial response, Midland Credit stated it had received a complaint filed with the Consumer Financial Protection Bureau (“CFPB”), and would be addressing her concerns within that complaint in its response to the CFPB Midland Credit has since submitted its response to the CFPB A copy of the response is enclosed [redacted] also requests documents showing that she owes the balance for account no [redacted] As stated in its response to the CFPB, this account was outsourced to the law firm of [redacted] *** (“ [redacted] ”) on November 10, Judgment was granted on December 1, The account was subsequently reassigned to Midland Credit’s Internal Legal Collections Department (“Internal Legal”) on January 8, A copy of the judgment is enclosed, along with verification documentation provided by the seller Midland Credit encourages [redacted] to continue to work with Internal Legal to assist in reaching a positive resolution Per [redacted] ’s previous request, the above-referenced accounts will remain marked “Cease and Desist.” While the accounts remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 25, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to locate the account in question, based on the information provided by [redacted] , including the phone number [redacted] Please have [redacted] provide any of the following to assist in locating the account in question: his social security number, the phone number from which he is receiving calls, or any additional phone numbers that may have been called Once that information is received, and the account is located, Midland Credit will investigate your complaint [redacted] may call Midland Credit’s Consumer Support Services team at [redacted] to provide this information so that Midland Credit may resolve his/her complaint more quickly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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 reviewed Midland's response. Unfortunately, the information that they have submitted is incorrect. They have stated that they will not report Acct*** as I responded in a timely manner. A timely manner is within days. They stated that they sent a letter regarding the validation of debt on 12-16-13. They said I responded on 7-28-with regard to this letter. I sent a certified letter , receipt number *** *** *** *** *** after retrieving a copy of my credit report with three accounts being reported by Midland which I knew were not mine. The date of this letter sent certified mail was 8-28-14. Receipt number *** *** *** *** ***
The letter was not in response to anything that Midland had sent to me. The letter that Midland supposedly sent to me would have had to have been returned to them if it was sent 12-16-13, as I had not been at that address for some time. I did not receive the correspondence
Midland states that it is looking for validation of the debt. That is what I am requesting from them for all three accounts. I did not send a separate letter for each account as it is expensive to send certified mail. I did include three separate dispute letters for each account in the one letter sent certified mail.
With regard to validation letter allegedly sent on 4-24-for account number ***, I am in contact with *** *** bank regarding this issue. As of today, September 26, 2014, they have not been able to validate this debt but they are looking into it. I sent them a certified letter regarding this matter on 8-28-14, receipt number *** *** *** *** ***. *** *** sent me a letter last week stating that they are looking into this matter. I did not receive the letter from Midland dated 4-24-
With regard to validation letter allegedly sent to me for account number ***, dated 1-25-13, I am in contact with *** *** *** regarding this debt. I sent them a certified letter dated 8-28-14. the receipt number is *** *** *** *** ***. I have yet to hear from them. I did not receive the letter from Midland dated 1-25-13.
I am asking that this company be held accountable for the incorrect information that they have reported to the credit bureaus. They cannot verify that the debts are mine. I expressly stated in the credit dispute letter that I was entitled to a copy of the bill paying history on each of these accounts and a copy of the credit application showing that I owned these accounts. They cannot or will not provide this information. They are using the validation letters and the day timely response as an excuse to pepper my credit report with these debts. This violates my rights as a consumer.
I can see from the complaints that are posted on the internet, that I am not the only victim of their folly. I think that have a nice sandy beach upon which to play with consumer's credit files. I am going to be a very large pebble on that beach for a very long time. They are not going to extort money from me. I think a lot of people give up. I will not do that
Please advise. Thank you
I am asking that they delete this information from my credit file or prove the debts
Regards,
*** ***
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 not consider this case closed until I receive validation of this debtIf they cannot provide this validation in the time allowed by law then they must cease collection efforts and remove this debt from my nameFurthermore, the statute of limitations in [redacted] on debt has passed; with this fact alone they should cease collection efforts I’ll wait for their response before I take further actionThank you for your help [redacted] Regards, [redacted] ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.They are not going to do anything additional about it and are basically saying im lying and it is what it is I dont agree with this but, will use the information they have provided going forwardThank you for your help in this matterIt is extremely unfortunate that Midland isnt going to do anything to help me with this matter THANK YOU for your help and attention with this matter Regards, [redacted]
December 4, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of Dr [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry dated November 20, 2014, regarding Dr***’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 July 30, Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on May 31, 2007, as a [redacted] account number ending in ***, in the name of [redacted] Ajym, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, The balance at the time of purchase was $ Final payment on the account was received on October 29, Dr [redacted] has no further financial obligation for this account Dr [redacted] expresses a concern that [redacted] added erroneous insurance charges to the account, and that Midland Credit agreed to remove the account from his consumer credit files in exchange for payment resolving the balance Midland Credit has not received any documentation supporting Dr***’s claim, or any indication from the seller that charges on the account were inaccurate Additionally, while Midland Credit is pleased that it was able to assist Dr [redacted] in reaching a resolution which settled the balance for the above-referenced account, a review of its business records does not appear to indicate any agreement was made to remove the account from his consumer credit files as part of that resolution With that said, in keeping with its Consumer-First policy, Midland Credit will fulfill Dr***’s request While the account will continue to reflect a paid status within Midland Credit’s files, the three major credit reporting agencies have been notified to remove the account from his consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Dr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear Ms***: Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 19, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to locate Ms***’s account based on the address of [redacted] ***, and phone number ###-###-#### Please have Ms [redacted] provide any of the following to assist in locating the account in question: the Midland Credit account number, her social security number, the original account number, or any former names used by Ms *** Once that information is received, and the account is located, Midland Credit will investigate her complaint Ms [redacted] may call Midland Credit’s Consumer Support Services team at ###-###-#### to provide this information so that Midland Credit may resolve her complaint more quickly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at ###-###-#### 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: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 refuting the statement made by Midland Credit that they mailed me a validation letter dated December 25, 2009 to dispute debt. On December 22, 2014, I mailed Midland Credit requesting validation of debt and received no response from them in regard to that request. Further, Midland Credit states that they will not report the account to the three major credit reporting agencies until they are able to provide verification of debt is not the case. The three credit reports attached as exhibits will show they have reported the account delinquent with Equifax with out providing me validation/verification of debt as stated in their rebuttal letter. Thank you for your assistance with this matter.Regards, [redacted]
Dear [redacted] Thank you for your letter inquiry dated September 22, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] which are being reported to the three major credit reporting agencies Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 13, 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 14, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 5, as an [redacted] *** account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 13, The balance at the time of purchase was $ [redacted] expresses a concern that the above-referenced accounts are the result of identity theft or fraud Midland Credit mailed [redacted] separate and unique validation letters – on October 6, for account no [redacted] , and on October 17, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were 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 debts or requesting validation from [redacted] in response to the letters In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts Although his requests are not timely, a copy of the verification information provided by the seller is enclosed for [redacted] records Please note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) Upon receipt of his complaint, Midland Credit inquired with [redacted] about the above-referenced accounts and, in both instances, the seller advised that they were never made aware of a fraud claim Additionally, [redacted] ***, as the original creditors, may be reporting the accounts They may also have decided to delete their tradelines when they sold the account Whether or not the original creditors are reporting the accounts, they remain valid, due and owing When [redacted] previously raised his concerns to Midland Credit, he was advised to provide supporting documentation, such as a police report or affidavit of fraud To date, no documentation has been received Midland Credit continues to stand 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 again 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 Based on the information provided by the seller, Midland Credit must respectfully conclude the debts remain valid, due, and owing to it A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced 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 settle the account balances In the meantime, the above-referenced accounts have been marked “Cease and Desist.” While they remain 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] Enclosure
Dear [redacted] Thank you for your letter inquiry dated September 8, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 5, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on January 30, as a [redacted] account number ending in [redacted] , in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 27, The balance at the time of purchase was $ Final payment on the account was received on June 4, [redacted] has no further financial obligation for this account [redacted] expresses a concern that Midland Credit is not accurately reporting the above-referenced account to his consumer credit filesHe also requests that Midland Credit validate the payment history and have this information be reflected on his consumer credit files A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account,” with a last payment date of June 4, 2012, as referenced above If Midland Credit were to delete the account, its correct and accurate status would not be reflected A copy of [redacted] ***’s payment history is enclosed [redacted] has no further financial obligation for this account In an effort to reconfirm accurate reporting of its tradeline, Midland Credit submitted an instant update to the three major credit reporting agencies on September 12, The credit reporting agencies have advised that this may require up to days for processing [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported In addition, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself 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, if it does, will consider this complaint resolved To be more specific, my expectations that all three major credit reporting agencies [redacted] ) have deleted the negative entry from my credit file The time frame for deletion was not mentioned in Midland's correspondence, assuming action to solution will be met within 30days of their reply 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. Thank you for your timely response to my complaint. I still believe the information provided to me incomplete and inaccurate. I do not accept liability for this debt. Although I would like to see this issue resolved, I would have to respectfully decline any offers to do so via phone. I will only accept written communication from Midland Credit Management, Inc. and its representatives in the resolution of this matter. Thank you again for your time. Regards, [redacted]
Dear [redacted] Thank you for your follow-up letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 26, 2015. Midland Credit appreciates the opportunity to answer your questions. [redacted] continues to expresses concern that an account review inquiry has been placed on her credit report, and states that Midland Credit does not have permissible purpose to do so. [redacted] also provides the last four digits of her social security number and writes that she does not have a collection account being serviced by Midland Credit matching her social security number. Midland Credit ran a search against [redacted] ’s social security number, which provided a match to her name as being [redacted] . Midland Credit business records therefore indicate that it was the servicer of account nos. [redacted] and [redacted] , which match the last four digits of [redacted] ’s social security number. However, these two accounts were sold in 2006. Midland Credit is also currently servicing two additional accounts belonging to [redacted] , account nos. [redacted] and [redacted] . Midland Credit became the servicer of account no. [redacted] on September 27, 2001. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 1, 1997, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 31, 1997. The balance at the time of purchase was $428.98. This account was sold to [redacted] on or about June 2, 2006, whose mailing address is [redacted] ***. Their telephone number is [redacted] . Midland Credit last reported this account to the credit reporting agencies in March of 2004. Midland Credit became the servicer of account no. [redacted] on June 30, 2003. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 22, 1996, as a [redacted] account number ending in ***, 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 1, 2000. The balance at the time of purchase was $2,412.74. This account was sold to [redacted] on or about March 14, 2006, whose mailing address is [redacted] ***. Their telephone number is [redacted] . Midland Credit last reported this account to the credit reporting agencies in January of 2006. Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on December 4, 2007. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 12, 1998, as a [redacted] account number ending in ***, 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 13, 2000. The balance at the time of purchase was $12,753.25. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies. Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC, on May 14, 2013. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 17, 2010, as a [redacted] account number ending in ***, in the name of [redacted] . Subsequently, the account was charged-off as an unpaid delinquent-debt on June 9, 2011. The balance at the time of purchase was $261.49. Please note, Midland Credit made a business decision to close this account on February 27, 2015. [redacted] has no further financial obligation on this account. Midland Credit did not previously and will not report this account to the credit reporting agencies. With respect to [redacted] ’s concern that an account review inquiry has been placed on her credit report, please note that items appearing under this section of the credit report have no relation to the collection of an account being serviced by Midland Credit. Pursuant to Section 604(a)(3)(E) of the Fair Credit Reporting Act, Midland Credit has permissible purpose to inquire upon accounts for the purpose of potential investment. Midland Credit pulled [redacted] ’s credit when determining whether to invest in a portfolio of accounts which contained an account belonging to [redacted] . Midland Credit is not currently credit reporting any account belonging to [redacted] . The inquiry she sees on her credit report was solely related to the determination of potential purchase of accounts, which may or may not have been purchased. [redacted] may contact the credit reporting agencies to dispute the inquiry. [redacted] additionally writes that she received calls from Midland Credit on her cell phone, and states that she is not providing her cell phone number. Midland Credit understands [redacted] ’s concern in providing her cell phone number, however, this is the best way for Midland Credit to locate her cell phone number and ensure that no further calls are placed to that number. Without being provided that information, Midland Credit is unable to determine the phone number to cease calling. In order to cease the calls [redacted] mentions, please have her call Midland Credit’s Consumer Support Services team at [redacted] to provide her cell phone number so that Midland Credit may further investigate this claim. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] , Esq. Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 2, 2000, 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 29, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that on February 16, 2014, this account was outsourced to the law firm of [redacted] *** located at [redacted] Their phone number is [redacted] Final payment on the account was received by Midland Credit on June 19, [redacted] has no further financial obligation for this account [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid While Midland Credit is pleased that [redacted] *** was able to assist MrGagliano in reaching a resolution which resolved the balance of the account, it is Midland Credit’s policy to report all accounts accurately A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Dear [redacted] ***: Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Re: Consumer complaint of [redacted] M [redacted] Revdex.com# [redacted] MCM# [redacted] Thank you for your letter inquiry dated August 11, 2014, regarding Ms***’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 July 26, Information provided by the seller, Argent Holdings, LLC, at the time of acquisition indicates this account was originated on January 5, as a Wells Fargo Bank, N.AVISA account number ending in 0114, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, The balance at the time of purchase was $4, Ms [redacted] is requesting validation of her debt Midland Credit sent Ms [redacted] a validation letter on July 31, In the letter, Midland Credit informed that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied U.S.C§ Midland Credit’s business records indicate that it has not received any correspondence from Ms [redacted] in response to that letter or pursuant to the Texas Finance Code The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt Ms [redacted] writes that the suit brought against her was dismissed, however, collection activity continues and/or the account is still reporting on her consumer credit files Please note that a review of Midland Credit’s business records indicates that the suit was dismissed without prejudice, which does not extinguish the validity of the debt The account remains due and owing to Midland Credit Business records indicate that Midland Credit is accurately reporting the above-referenced account to the credit reporting agencies Midland Credit will be closing its investigation of Ms***’s dispute and will be resuming regular collection activities as allowed by the Texas 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 Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
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 still have never recieved anything in the mail from them and they continue to lie about thisI refuse to fill out a fraud form and sign it with a notary without actually having any info on this account other than what they have provided hereAlso when the rep told me the info on the phone she said I owed almost 899$I want the validation in front of me so I can fill out forms properlyIf they have validation they should be forced to attach it to this complaint, which they still refuse to doI can easily send an email stating they owe me money and its not enough for me to give them any of my banking infoThey are liars and scam artists and have been sued numerous times for illegal debt practiceI will still give them days to provide validation before sending my letter on intent to sue Regards, [redacted]
August 19, 2014 VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] BBB#... [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated August 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on January 31, 2013. Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on October 19, 2010 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 August 9, 2011. The balance at the time of purchase was $287.95. [redacted] expresses a concern that his validation requests have been ignored. On March 15, 2013, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [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. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on July 14, 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 [redacted] and collect the debt. A review of Midland Credit’s business records indicates that it was accurately reporting the above-referenced account to the three major credit reporting agencies. While Midland Credit has acted in a timely manner and has complied with all applicable laws, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from [redacted] ’s consumer credit files. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Dear [redacted] Thank you for your follow-up letter inquiry dated November 10, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. [redacted] reiterates her request for validation of the debt and states she will not submit a fraud affidavit without such documentation. Midland Credit maintains the position previously stated to [redacted] . It adhered to applicable laws, including the Fair Debt Collection Practices Act (“FDCPA”). The validation letter was sent to [redacted] on February 13, 2013 and correspondence requesting validation was not received until her initial complaint to the CFPB in October 2014. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt. With that said, Midland Credit remains ready to assist [redacted] in clearing her record if she believes this account does not belong to her and she has been a victim of identity theft or fraud. As previously stated, to support such a claim, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she 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. She may forward appropriate documentation to Consumer Support Services at the address on this letterhead. With that said, although [redacted] ’s request is untimely, in keeping with its Consumer-First policy, Midland Credit has ceased collection efforts, annotated the account as disputed, and begun the process of obtaining verification information from the seller. Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office. Additionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide verification of the debt. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
March 3, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] and [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 17, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 6, Midland Credit apologizes for the confusion its previous response caused to [redacted] [redacted] writes that she never had a credit card with a $balance, and that her dispute did not have anything to do with a [redacted] auto loan account However, [redacted] then requests information concerning both the credit card account, and the auto loan with [redacted] *** As stated in its previous response, and to further clarify: Midland Credit is the servicer of two accounts belonging to [redacted] Account no [redacted] is a [redacted] *** account Account no [redacted] is a [redacted] *** auto deficiency account For clarity the accounts have been separated below Account Number [redacted] This account was a [redacted] *** As stated in its previous response, Midland Credit mailed [redacted] a validation letter for this account on March 16, Midland Credit did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter [redacted] ’s first request for validation was received on December 1, Midland Credit respectfully maintains its position that [redacted] ’s request cannot be considered timely With that said, [redacted] states that she is unfamiliar with account no [redacted] Midland Credit stands ready to assist [redacted] in clearing her record if she 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 she 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 She may forward appropriate documentation to Consumer Support Services at the address on this letterhead Account Number [redacted] writes that the [redacted] complaint is being handled by the government In its initial response, Midland Credit stated it had received a complaint filed with the Consumer Financial Protection Bureau (“CFPB”), and would be addressing her concerns within that complaint in its response to the CFPB Midland Credit has since submitted its response to the CFPB A copy of the response is enclosed [redacted] also requests documents showing that she owes the balance for account no [redacted] As stated in its response to the CFPB, this account was outsourced to the law firm of [redacted] *** (“ [redacted] ”) on November 10, Judgment was granted on December 1, The account was subsequently reassigned to Midland Credit’s Internal Legal Collections Department (“Internal Legal”) on January 8, A copy of the judgment is enclosed, along with verification documentation provided by the seller Midland Credit encourages [redacted] to continue to work with Internal Legal to assist in reaching a positive resolution Per [redacted] ’s previous request, the above-referenced accounts will remain marked “Cease and Desist.” While the accounts remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure
Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 25, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to locate the account in question, based on the information provided by [redacted] , including the phone number [redacted] Please have [redacted] provide any of the following to assist in locating the account in question: his social security number, the phone number from which he is receiving calls, or any additional phone numbers that may have been called Once that information is received, and the account is located, Midland Credit will investigate your complaint [redacted] may call Midland Credit’s Consumer Support Services team at [redacted] to provide this information so that Midland Credit may resolve his/her complaint more quickly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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 reviewed Midland's response. Unfortunately, the information that they have submitted is incorrect. They have stated that they will not report Acct*** as I responded in a timely manner. A timely manner is within days. They stated that they sent a letter regarding the validation of debt on 12-16-13. They said I responded on 7-28-with regard to this letter. I sent a certified letter , receipt number *** *** *** *** *** after retrieving a copy of my credit report with three accounts being reported by Midland which I knew were not mine. The date of this letter sent certified mail was 8-28-14. Receipt number *** *** *** *** ***
The letter was not in response to anything that Midland had sent to me. The letter that Midland supposedly sent to me would have had to have been returned to them if it was sent 12-16-13, as I had not been at that address for some time. I did not receive the correspondence
Midland states that it is looking for validation of the debt. That is what I am requesting from them for all three accounts. I did not send a separate letter for each account as it is expensive to send certified mail. I did include three separate dispute letters for each account in the one letter sent certified mail.
With regard to validation letter allegedly sent on 4-24-for account number ***, I am in contact with *** *** bank regarding this issue. As of today, September 26, 2014, they have not been able to validate this debt but they are looking into it. I sent them a certified letter regarding this matter on 8-28-14, receipt number *** *** *** *** ***. *** *** sent me a letter last week stating that they are looking into this matter. I did not receive the letter from Midland dated 4-24-
With regard to validation letter allegedly sent to me for account number ***, dated 1-25-13, I am in contact with *** *** *** regarding this debt. I sent them a certified letter dated 8-28-14. the receipt number is *** *** *** *** ***. I have yet to hear from them. I did not receive the letter from Midland dated 1-25-13.
I am asking that this company be held accountable for the incorrect information that they have reported to the credit bureaus. They cannot verify that the debts are mine. I expressly stated in the credit dispute letter that I was entitled to a copy of the bill paying history on each of these accounts and a copy of the credit application showing that I owned these accounts. They cannot or will not provide this information. They are using the validation letters and the day timely response as an excuse to pepper my credit report with these debts. This violates my rights as a consumer.
I can see from the complaints that are posted on the internet, that I am not the only victim of their folly. I think that have a nice sandy beach upon which to play with consumer's credit files. I am going to be a very large pebble on that beach for a very long time. They are not going to extort money from me. I think a lot of people give up. I will not do that
Please advise. Thank you
I am asking that they delete this information from my credit file or prove the debts
Regards,
*** ***