Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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,
*** ***
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
The only correspondence I have received from the company regarding this matter is the recent correspondence which I feel resulted in the certified letter that I sent to the company and the complaint that has been filed with the Revdex.com which I began after receiving legal advice on how to handle the matter Two weeks ago the company sent me a document in a yellow envelope that lists four telephone numbers, my name, and my address The letter lists charges in regards to service usage and early termination fees No documentation showing an application, my signature, or other form of request was included in the envelope Based on the time of the account be initiated with ***, a fraud alert had been placed on my credit reports *** never contacted me to confirm that I was the person in fact requesting credit and using the services obtained I initiated these inquiries not Midland Credit Because of the extremity of the matter, I prefer written communication to help monitor and maintain proof
Regards,
*** ***
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** * ***
Revdex.com# ***
Dear *** ***
Thank you for your letter inquiry dated September 23, 2014, regarding *** ***
complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, *** *** phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the account
A review of Midland Credit’s business records indicates that *** *** phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account on September 8, and the changes to its system took effect that same day. *** *** phone number has not been dialed since September 8, 2014. She will continue not receiving calls from Midland Credit representatives regarding the account. Additionally, *** *** telephone number *** has been added to an exclusion list to prevent it from being called in the future
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 9, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates
that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 20, 2011. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated on March 14, 2007, as a *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, 2011. The balance at the time of purchase was $1,421.35. Final payment on the account was received by Midland Credit on March 23, 2015. *** *** has no further financial obligation for this account
*** *** writes that she sent $to ***, subsequently received an offer from Midland Credit to settle the balance for $631.17, and is awaiting a refund for the difference per a conversation she had with Midland Credit representative *** ***. A review of Midland Credit’s business records indicates that *** *** called Midland Credit on March 9, and spoke with Midland Credit representative *** ***. The balance remaining on the account was $901.67, and *** *** advised *** *** that she had made a payment to the seller for $and requested a refund for the difference.
Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. However, Midland Credit has determined that no violation of company policy occurred. Midland Credit’s review of *** ***’s conversation with *** *** on March 9, indicates that *** *** did not promise a refund. In fact, *** *** reiterated to *** *** that the balance owed at the time was $901.67. Additionally, at the time of the conversation with *** ***, Midland Credit had not yet received the funds from the seller.
*** *** also subsequently called Midland Credit on March 23, and spoke with two representatives regarding her refund request; however, the funds had not yet been received from the seller at the time those conversations took place. For that reason, those representatives would not have been able to request a refund. Later that day, on March 23, 2015, Midland Credit received $from the seller and posted the funds to the account. However, because the balance owed was $901.67, and Midland Credit received $902.00, this left an overpayment in the amount of $0.33. Midland Credit started the process for a refund in the amount of $0.33.
While *** *** states that she learned of the $settlement offer after making the $payment to the seller, in keeping with its Consumer-First policy, Midland Credit will honor the settlement offer, and will refund $to *** ***
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Thank you for your letter inquiry dated September 19, 2014, regarding *** ***’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
Midland Credit provided all the relevant account information in its previous letter response to your office dated September 18, 2014. In his most recent complaint, *** *** questions whether the account is collectible due to the expiration of the Statute of Limitations. A review of Midland Credit’s business records indicates that the Statute of Limitations expired on September 1, 2012. However, the passing of the Statute of Limitations does not extinguish the validity of the debtRather, it eliminates litigation as a potential remedy to collect that debt. The debt remains valid, due, and owing to Midland Credit
Also, *** *** writes that he will not consider his case resolved until validation is provided. As indicated in its previous response, Midland Credit’s business records indicate that the complaint *** *** filed was received in a timely manner pursuant to applicable law specific to the account. Upon receipt, Midland Credit acknowledged *** ***’s dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt.
Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office Since receiving the complaint, Midland Credit has not reported the account to the three major credit reporting agencies. Midland Credit will continue this practice 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 *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
January 29,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
Dear *** ***
Thank you for
your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 15, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as *** ***. During a search for the correct consumer, *** ***’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account. Please note that Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office
*** *** questions why Midland Credit representatives have not left any messages informing him of the reason for their call. Please note that Midland Credit has strict guidelines that its representatives must adhere to when leaving messages. This policy assists in preventing the inadvertent disclosure of private consumer information to third parties. Due to these restrictions, no messages were left
*** ***’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account. *** *** will no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, *** ***’s phone number *** *** has been added to an exclusion list to prevent it from being called in the future regarding the referenced account
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** *** 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
*** ***, Esq
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** **
March 6,
VIA E-Mail
Ms*** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** ***
Revdex.com# ***
MCM# ***, ***, ***, ***, and ***
Dear Ms***:
Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 23, 2015. Midland Credit appreciates the opportunity to answer your questions
A review of Midland Credit’s business records indicates that Ms*** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney. If Ms*** is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly
Mr*** previously filed three submissions through the Revdex.com of San Diego (“Revdex.com”) related to Revdex.com ID ***. Copies of Midland Credit’s responses are enclosedMidland Credit gave account-identifying details in its previous responses
As noted in Midland Credit’s previous response dated November 26, 2012, Midland Credit closed account nos*** and ***, which have not been reported to the credit reporting agencies since May 2012. With respect to account no***, Midland Credit advised in that same response that it had obtained verification information from the seller and had enclosed a copy for Ms***’s records. Account no*** remains in a “Cease and Desist” status, and while the account remains due and owing, Ms*** continues to not receive correspondence or calls from Midland Credit
In Ms***’s most recent Revdex.com submission, she indicates concern regarding the way that Midland Credit is reporting accounts on her credit report, and states that the accounts were supposedly opened with Midland Credit. A review of Midland Credit’s business records indicates that account nos*** and *** are being accurately reported to the three major credit reporting agencies
With that said, consumers are often unclear as to what the term “charge-off” means for a debt. When a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt to a collection agency. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit
A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for account no*** will expire in July 2015, and for account no*** will expire in May 2015. Please note that this does not extinguish the debts. Rather, it prevents the accounts from being reported to the credit reporting agencies. The accounts will remain collectible, due and owing to Midland Credit
Ms*** also expresses concern that Midland Credit keeps “renewing” the debts. As stated in its previous response dated August 31, 2012, Midland Credit does not modify or alter any of the original account information provided by the sellers, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/sellerThe open date listed on Ms***’s credit report is in fact the date of purchase by Midland FundingIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date reported reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
Per Ms***’s previous request, the accounts will remain marked “Cease and Desist.” While they remain due and owing, she will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law
If Ms*** or her attorney is ready to resolve the above-referenced debt, she may qualify for a reduction in the account balance. Please have Ms*** or her attorney call Account Manager *** *** at ###-###-#### to assist in reaching a resolution that will be both beneficial to her, as well as resolve the account balances
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to 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
*** ***, ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure
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 never received any bill or letters from Midland credit therefore me pulling my credit report is the first of me knowing of this account and therefore asking for validationI am still asking them to validate this debt which they have failed to doThis account is not valid and I will file a complaint with the Attorney General in my and your state I will also retain an attorney and press charges for each violation on my credit file if it is not removed as you have not provided me with validation of this debtFurthermore I am on Social Security disability and have no assets so your threats of taking legal action will do you no goodYou are violating by reporting this debt as a factoring revolving account when it is not too
Regards,
*** ***
Dear *** ***
Thank you for your letter inquiry regarding
*** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
April 7, 2015. Midland Credit appreciates the opportunity to
answer your questions
An
investigation of this
matter indicates that Midland Credit is the servicer of two
accounts being reported to the three major credit reporting agencies and belonging
to the complainant. Midland Credit
became the servicer of account no***, on behalf of purchaser, Midland Funding,
LLC (“Midland Funding”), on December 28, 2011.
Information provided by the seller, *** *** *** ***., at
the time of acquisition indicates this account was originated on June 30, 2008,
as a *** *** ** *** *** *** account number
ending in ***, in the name of *** ***, under the last four of the social
security number ***. Subsequently, the
account was charged-off as an unpaid delinquent-debt on January 30, 2009. The balance at the time of purchase was $772.25.
Midland
Credit became the servicer of account no***, on behalf of purchaser,
Midland Funding, on September 8, 2009.
Information provided by the seller, *** *** *** ***, at
the time of acquisition indicates this account was originated on July 23, 2008,
as an *** *** *** *** account number ending in ***, in the name
of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as
an unpaid delinquent-debt on May 5, 2009.
The balance at the time of purchase was $624.55.
*** *** expresses a concern that Midland Credit has re-aged the above-referenced
accounts by listing open dates that are later than the originals on their
consumer credit files. While Midland
Credit is sensitive to the consumer’s concern, Midland Credit does not alter or
modify any of the original account information provided by the seller, such as
the name of the consumer, the date of origination, or the date of
occurrence. Midland Credit reports the
information on the accounts it services based on the business records maintained
by the original lender/seller. The open
dates listed on *** ***’s credit report are in fact the respective dates
of purchase by Midland Funding. In
accordance with the Credit Reporting Resource Guide produced by the Consumer
Data Industry Association, the open dates being reported on the accounts
reflect the “date that the account was purchased by the debt buyer or
placed/assigned to the third party collection agency.”
A
review of Midland Credit’s business records indicates that the statute of
limitations expired on July 4, for account no***, and on November
4, for account no***. However, please note that the passing
of the statute of limitations does not extinguish the validity of the debts
Rather, it eliminates litigation as a potential remedy
Similar
to the statute of limitations, the expiration of the seven-year Federal
Reporting period also does not extinguish the debts. It only prevents the
accounts from being reported to the credit reporting agencies. A review
of Midland Credit’s business records indicates that the seven-year Federal
Reporting period will expire in July for account no***, and in November
for account no***. A review of Midland Credit’s business
records indicates that it is accurately reporting the above-referenced accounts
to the three major credit reporting agencies
If
*** *** is ready to resolve the above-referenced debts, they may qualify
for a reduction in their account balances.
Please have them call Account Manager *** *** at *** *** *** *** to assist in reaching a resolution of the account balances
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
September 25,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***
Thank you for your follletter inquiry dated September 11, 2014, regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all the relevant account information in its previous letter response to your office dated September 3, *** *** continues to express concern that she was told incorrect information concerning how the account would report on her consumer credit files when paidAs previously stated, Midland Credit believes that its representatives mistakenly misstated the company’s policy and again sincerely apologizes for the error, and any inconvenience or confusion created
Again, *** *** has not yet made the payment which was discussed. Midland Credit encourages *** *** to contact Account Manager *** *** at *** *** *** *** to discuss repayment options. Should *** *** pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should *** *** pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to report the account differently, 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 *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at t*** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This letter is very contradictingI never had a credit card with a balance owing $, and the *** *** account has nothing to do with the dispute I am questioningThe *** *** account is being handle by the governmentI need documents showing I signed for a *** Credit card and documents of purchases being made by me with this cardI have tried unsuccessfully to get documents proving I owe this money.Please send invoice for auto loan and the amount received at the auctionThere is no way I owe $for a vehicleI need proofDesist and ceased these balancesThis letter makes no senseThis conversation about these accounts are all over the placePlease forward documentsI have made phone calls, certified letters and *** *** will not return my call.*** ***
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
More lies, I AM not and have not been represented by an attorneyI did mention in a phone conversation that I may choose to do so but have not, to dateThis form claims they are 'reputable' yet clearly this is not so.
The 'debt' 'they claim existed was not even a legitamate debtI agreed to pay yo make it go away with the agreement nothing would be left on my credit reportIf this were not the case, I would have had NO incentive whatsoever to pay the settled amount! It is preposterous to think I would settle a nonsensical 'debt' with NO upside, namely full removal from my reportAbsurd!]
Regards,
*** ***
Dear *** ***
Thank you for your follletter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 27, 2015. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 14, 2015. *** *** writes that Midland Credit is fraudulently reporting the account on his credit report. As noted in its previous response, it is Midland Credit’s policy to report all accounts accurately. The seven-year Federal Reporting period for the above-referenced account will expire in July 2016. However, this does not extinguish the debt. Rather, it prevents the account from being reported to the credit reporting agencies. The account will still remain collectible, due and owing to Midland Credit. 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
*** *** also writes that in spite of his cease and desist request to not be contacted, he still received contact from Midland Credit. As stated in its previous response, the above-referenced account remained marked “Cease and Desist.” Midland Credit did not mail any letters or make any phone calls regarding the above-referenced account since its previous response to *** ***. If *** *** believes he is still receiving contact from Midland Credit, he is encouraged to contact Midland Credit’s Consumer Support Services team at *** *** *** *** so that it may resolve his concern
Additionally, *** *** states that the debt validation sent to him did not include any agreement with the original creditor. Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999)
Furthermore, *** *** expressed that when he contacted the original creditor, they had no knowledge of any balance or account. Please note, when a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt to a collection agency. The underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. Also, it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by *** ***, the representative of the original credit provider may not have had access to the pertinent account information.
Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate. Midland Credit will be closing its investigation of *** *** dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Midland has never sent me a validation request at all and have ignored mineThey state I'm misinformed and don't know what a charge off isI know what a charge off is and they are reporting OPEN ACCOUNTS in thier name and are using to different companies on my reportsThey are reporting Midland Funding and Midland Credit Management all with the same account numbers but with different dates and informationThe accounts are reported as open and pass due by monthsHow can I be past due for payments to them? On certain reports they have a collection notation*** cant verify account and sice they didnt buy the account from *** directly how can they verify it and for that matter add interest.I'd like to know how they came up with a $balance when there is no account from ***They need to prove what they say I oweWear is all the transactions that come up to $and the original contract they say I signed? They would need that original contract to verify all of thisThey even said in their response that they didn't get the information from *** but some other place I've never heard of* can't verify it so how can Midland? And if the account was valid the Statue of Limitations would be upThey keep reporting inaccurate information and are re aging the accountI didnt want to mention this because it's personal but I guess I'm going to have toI am a Disabled Veteran and due to my disabilities and circumstances beyond my control the Department of Veterans Affairs made it so I couldn't have credit of any kindI could have no payments of any kind except my rentI could not legally have or keep any type of accountsI couldn't even have my own banking accountsThere was a beneficiary named that did all that.The reason I got my reports and everything is because I worked my butt off did all the VA Programs and Requirements and just recently got the approval to take care of things myselfSo legally I could get my reports and Midland showed up and shouldn't be there periodThere is no way possible any off this is mineIf Midland wants continue on with this account and information they need to talk to the Dept Of Veterans AffairsI am protected from this by the Federal Government because they handled it allThey say this all started with *** in it's and they won't quit reporting the inaccurate informationThe sad thing is is that I've been a victim of this for years because they have been reporting this when I was unable to handle matters because of the rules from the VAThis is all fraudulent. Midland also states, like they are the victim, that because of all the negative things said about them it influences consumers meaning me in their responseIt was brought up by me because I didn't want it fixed then they just add it back on laterBut a lot of the negative information out there has been verified and shows they have an abundant history of hurting consumersThey buy old "junk" or "zombie" debt they don't and/or cant verify and cause great harm to consumers financial lives by reporting inaccurate informationThey need to show all the paperwork from the original contract, who they bought the information from and how it was verified as soon as they bought it to show cause for even going after the debtI think I deserve all that This really upsets me because if it was mine there would be no problem and I would handle itThe problem is, is that it's not mine at allThey are being deceitful to the Revdex.comThe accounts are being reported open and that I'm not paying them but then they use a different name and say it's a collectionThen they insinuate that it's my fault as a consumer that I don't know what a charge off isThey are reporting an open account with negative and derogatory informationHave they even considered they could be wrong or that this may actually be a case of fraud wich has happened to meThey should be able to represent the original contract when it was opened all the transactions and how they calculate interestIf they own it they should have all this information and my original signature. From what they say they investigated they should have all that information and documentation to back it upThey should be able to show who they bought the account from and how they verified it the day it was bought to know for sure they could collectI feel I have to reveal my personal life just to prove they are wrong and that's not rightI feel my privacy is being invaded and yes I gave you some personal info just to show this is all wrong and should be removed immediately from my Credit ReportsWhen was the last time Midland contacted *** about me? It seems they haven't they didn't even get the original account from *** and I know *** can't verify itSo if the original creditor can't verify it how can MidlandThey have no proof just information they bought from another company not ***.Midland needs to be investigated just on the basis they are reporting that I have an open account with them and I don't send the paymentsI've never set up a payment plan with them they even stated they haven't heard from meI would like to also point out and ask how they can just say they sent me a validation letterDid they not send it return receipt requested on purpose so they could say they sent it? It alarms me of deceptive practicesI know that when I've gotten other letters from different companies they had to be signed forIf Midland would have sent that letter it would have be answered because this is not my debt It's also alarming how they re age debt to try and avoid the Statue of Limitations wich is an illegal practice They say its from an original account from 2005!! I'm not sure what else I'm going to have to do without giving the world my personal information and losing more of my privacyI hope that the last four digits they say are from people's social security numbers are not being publishedThe bottom line is, is that I'm being taken advantage of and Midland tries to make it sound like consumers (me) don't know what charge offs are and imply that consumers (me) get the wrong idea because of all the negative verifiable information about them out there that they do nothing wrongIn my case they have been wrong and have violated many of the laws set up to protect consumers like re aging and reporting open not charge off accounts on credit reportsSo I request everything I mentioned and asked for in thisNot to be redundant but I'll put what I request from them again to prove they are correctFirst I'd like to know why they are reporting open accounts with balances and saying I'm months behindWhy they are reporting under different names with the only info that's the same is the account numberOn my reports they have the account open and some have a notation of collection but it's an open negative account not just a collection being reported. I request who they bought their information off of the date and time and how upon getting that information they verified it was ok to pursueThey didn't get any information from *** who they say was the original creditorI want to know how and when they verified the information with the original creditor I want to see the original contract the transactions and balances along with my signature and address I request how the interest was calculated and verified and wear in the original contract it says they can add interest( I'd also like to mention that now that they have seen recent activity they are adding more interest and wonder how they can just stop then decide years later to add interest again)That is against my rightsIf they own the account now they should have all that information and be able to show itI request proof they sent a validation request to me the date address and my signature confirmationI would also like to know how they can verify an account the original creditor can't and anything they did to investigate fraudThis is causing great financial and emotional stress and they have no real proof to be doing this to me.I am the victim here and I don't know if it's cause I'm a Disabled Veteran( I've had that happen) but I don't deserve to be treated like thisI'm man enough to admit if I'm wrong In this case I Am Not Wrong and it's not right that Midland can act like they did all these things when they have no proof at allThey are trying to get out of this by acting like I don't know what a charge off is and trying to use the fact that since they have a lot of negative things said about them that that's why people like me challenge their mistakes wrong doings and illegal practicesThey are trying to act like they are victims and they are not Trying to say I don't know what a charge off is a deceptive tactic they are using to try to take the focus off of them reporting an open account saying Im behind months and using different names and information. Please help me with all thisIt is very frustrating and they know thatThey want to drag it out thinking I'll pay just to be done with it I'm not going to pay something that isn't mine and I shouldn't have to They are doing a lot of wrong and even illegal things and need to be held accountable for their actionsI'm the little guy in all this and they are trying to make me pay for standing up for myself and that's not rightAnother thing that bothers me is that if this account was right it would still be past the Statue of Limitations so it should still be off my credit reports.They should have to show proof of everythingI respectfully request that Midland under all their names delete all their information on my credit reports and quit reporting negative information on this accountI request in writing from Midland that they have deleted everything and it will not reappear later. Thank you for all your time in dealing with this matter and I hope it gets resolved to satisfaction in a timely manner. I know your busy so thank you for taking the time out of your day to read this and help in dealing with this matter
Regards,
*** ***
Dear *** ***
Thank you for your follletter inquiry dated August 18, 2014, regarding *** ***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all the relevant account information in its previous letter response to your office dated August 13, 2014. *** *** continues to allege that a Midland Credit representative promised that Midland Credit would remove its tradeline from his consumer credit files if he chose to resolve the account balances. Midland Credit maintains its position that no violation of company policy occurred, and that its representatives acted appropriately pursuant to applicable law. While *** *** was advised that he could settle both accounts with a balance reduction of 50%, Midland Credit’s business records indicate that its representatives did not advise *** *** that the accounts would be removed from his consumer credit files upon payment.
Again, it is Midland Credit’s policy to report all accounts accurately. Should *** *** pay the full balances, Midland Credit will report the accounts as “Account paid in full, was a collection account.” Should *** *** pay less than the full balances, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the accounts, its correct and accurate status would not be reflected
If *** *** would still like to discuss payment of the account balances based on the above-referenced terms, he is encouraged to contact Midland Credit’s Consumer Resolution Account Manager, *** ***. *** *** may be reached at *** *** *** ***
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 21, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates
that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 21, 2011. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on January 8, 2009, as a *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 10, 2009. The balance at the time of purchase was $
As described in the complaint, *** *** questions the alleged conduct of certain Midland Credit employees, stating that he was treated rudely and that representatives refused to assist him. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Midland Credit has investigated *** ***’s concerns regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law.
*** *** contacted Midland Credit on April 13, 2015, and requested a non-recorded line. A review of Midland Credit’s business records indicates that he was advised of the credit reporting status of the account and that Midland Credit does not report account as “days late.” *** *** requested that he speak with a different representative who could answer his questions further, and was transferred to another representative, who also advised that Midland Credit does not report accounts as “days late.”
*** *** contacted Midland Credit again on April 17, 2015, and discussed the account with a Midland Credit representative. An authorized representative for *** *** was also on the call. He was again advised that Midland Credit does not report accounts as “days late,” and that Midland Credit could not provide a letter stating that the account was being incorrectly reported as such. Based on the information available to it, Midland Credit must respectfully conclude that *** *** was treated respectfully, and appropriately advised about his account
As noted above, although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies. Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies
Midland Credit received *** ***’s correspondence requesting validation on February 6, 2015. Although the request was not timely, verification information provided by the seller was mailed to *** *** in response to his dispute on or about February 11, 2015. A copy of the verification information provided by the seller is enclosed. If *** *** is ready to resolve this debt, he may qualify for a reduction in his account balance. Please have *** *** call Midland Credit Account Manager *** *** at *** *** *** *** to assist him in reaching a resolution of the account balance
Should *** *** pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should *** *** pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure
November 6,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***
Thank you for your follletter inquiry dated October 23, 2014, regarding *** ***’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
*** *** states that she does not understand how a letter could be returned as “undeliverable” when she has lived at the same address for years. It appears *** *** misunderstood Midland Credit when it advised her that the validation letter it mailed to her on June 2, was not returned to Midland Credit as “undeliverable.” The statement was to let her know that Midland Credit adhered to the Fair Debt Collection Practices Act in providing the validation letter, and has every expectation that the letter was delivered to *** ***’s address
Further, in its previous response, Midland Credit advised it had not called more often than is allowable pursuant to applicable law and the statement was meant to show that Midland Credit had acted appropriately. In her complaint, *** *** indicated that she did not wish to receive calls from Midland Credit and, as such, Midland Credit responded by marking the account as “Direct Mail Only.” While the debt remains due and owing, in updating the status of the account in this way, *** *** will no longer receive phone calls from Midland Credit representatives
Her last concern is that she was not advised that providing supporting documentation of her financial situation would result in lowering the garnishment amount, rather than ceasing the garnishment altogether. Midland Credit inquired with Internal Legal about the matter. They have advised that previous requests to adjust the garnishment received in May and June of from *** *** asked that the garnishment be reduced to an amount of $a week or less, and not to eliminate the garnishment entirely.
On September 25, 2014, an Internal Legal representative spoke with *** *** and explained that she had not provided documents to support her contention that she could not afford the initial garnishment amount. Internal Legal also advised that evidence of financial hardship had apparently also been requested in a June 20, conversation with *** ***. As stated in its previous response to your office, the appropriate documentation was received on September 29, 2014. In response, a garnishment modification was generated, signed by Internal Legal and *** ***, and mailed to the court and *** ***’s place of employment on October 13, 2014.
If *** *** has any further concerns, Midland Credit encourages her to continue working with Internal Legal. For ease of reference, their mailing address and phone number remain PO Box 939033, San Diego, CA and *** ***
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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 no recollection of ever speaking with this creditor in 2011, and acknowledging such debtI stand by my statement that it is in fact fraudulentThis company has no proof that I initiated any on-going activity with their debtorMy credit file has had a continued FRAUD ALERT since
You have never attempted to contact me, of course, if you did, it would have been disputed continuallyYou have evidence that it's been disputed in the past and you continue to pursue something that is not valid
If you expect me to have a police report involving something I had no knowledge of since 2010, you're mistaken, delusional, and misguided as a "professional" LawyerExpect an Attorney General's complaint in regards to this, soonExplain it to your state about how you've continued to pursue a debt on fraudulent activity, which you cannot proveExpect your company to provide your state with valid proof of this debt!
Regards,
*** ***
Dear *** ***
Thank you for your follletter inquiry regarding *** ***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received
November 20, 2014. Midland Credit appreciates the opportunity to
answer your questions
*** *** reiterates his request for validation of the
debt. Midland Credit maintains the
position previously stated to *** ***.
A review of business records indicates that the account is being accurately
reported to the credit reporting agencies
If *** *** believes the account does not belong
to him, Midland Credit stands ready to assist him in clearing his record if he
has been a victim of identity theft or fraud.
If such is in fact the case, Midland Credit respectfully requests that
*** *** 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 *** If submitting an affidavit of fraud, *** ***
should complete the form and have the form notarized. He may forward appropriate documentation to
Consumer Support Services at the address on this letterhead
*** *** also notes that he is a disabled
veteran. If such is, in fact, the case,
in keeping with its consumer-first policy and Consumer Bill of Rights, Midland
Credit will cease collection activity on this account. Midland Credit respectfully requests that *** *** provide it with documentation which proves the disability or hardship *** *** is currently facingHe may forward appropriate documentation to Consumer
Support Services at the address on this letterhead
In the meantime, as referenced in Midland Credit’s
previous response letter, in keeping with its Consumer-First policy, the
above-referenced account was marked “Cease and Desist.” While it remains due and owing, *** *** will
continue to 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 *** ***
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
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
March 24,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
Dear *** ***
Thank you for your letter inquiry
regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 10, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** expresses a concern that an inquiry has been placed on her credit report. Please note that Midland Funding, LLC purchases, and through its servicer, Midland Credit, collects on portfolios of charged-off accounts. In that light, it uses proprietary data as well as authorized consumer-credit information provided by *** *** in the determination of the value of potential investments. Consumer-credit information is provided under Permissible Purposes of Consumer Reports, Section 604(a)(3)(E) of the Fair Credit Reporting Act (FCRA), ‘potential investment.’
A portfolio of accounts containing *** ***’s name was reviewed, and data made available by *** *** was used to make the determination of potential investment, in compliance with applicable law. The inquiry conducted is not related to the credit reporting of an outstanding debt. *** *** displays this information in the “Inquiries Not Displayed to Anyone” section of *** ***’s credit report
Midland Credit also received additional information from your office on March 23, 2015, regarding *** ***’s complaint, in which she also expresses concern that Midland Credit has been calling her regarding a debt that does not belong to her. Based on the information provided within *** ***’s complaint, Midland Credit’s business records do not indicate that it is calling *** ***’s phone number, *** ***.
However, if *** *** is receiving calls at a different phone number or believes that Midland Credit is calling her, she is encouraged to contact Midland Credit’s Consumer Support Services team at *** *** *** *** so that it may further its investigation of her claim
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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,
*** ***
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
The only correspondence I have received from the company regarding this matter is the recent correspondence which I feel resulted in the certified letter that I sent to the company and the complaint that has been filed with the Revdex.com which I began after receiving legal advice on how to handle the matter Two weeks ago the company sent me a document in a yellow envelope that lists four telephone numbers, my name, and my address The letter lists charges in regards to service usage and early termination fees No documentation showing an application, my signature, or other form of request was included in the envelope Based on the time of the account be initiated with ***, a fraud alert had been placed on my credit reports *** never contacted me to confirm that I was the person in fact requesting credit and using the services obtained I initiated these inquiries not Midland Credit Because of the extremity of the matter, I prefer written communication to help monitor and maintain proof
Regards,
*** ***
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** * ***
Revdex.com# ***
Dear *** ***
Thank you for your letter inquiry dated September 23, 2014, regarding *** ***
complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, *** *** phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the account
A review of Midland Credit’s business records indicates that *** *** phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account on September 8, and the changes to its system took effect that same day. *** *** phone number has not been dialed since September 8, 2014. She will continue not receiving calls from Midland Credit representatives regarding the account. Additionally, *** *** telephone number *** has been added to an exclusion list to prevent it from being called in the future
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 9, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates
that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 20, 2011. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated on March 14, 2007, as a *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, 2011. The balance at the time of purchase was $1,421.35. Final payment on the account was received by Midland Credit on March 23, 2015. *** *** has no further financial obligation for this account
*** *** writes that she sent $to ***, subsequently received an offer from Midland Credit to settle the balance for $631.17, and is awaiting a refund for the difference per a conversation she had with Midland Credit representative *** ***. A review of Midland Credit’s business records indicates that *** *** called Midland Credit on March 9, and spoke with Midland Credit representative *** ***. The balance remaining on the account was $901.67, and *** *** advised *** *** that she had made a payment to the seller for $and requested a refund for the difference.
Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. However, Midland Credit has determined that no violation of company policy occurred. Midland Credit’s review of *** ***’s conversation with *** *** on March 9, indicates that *** *** did not promise a refund. In fact, *** *** reiterated to *** *** that the balance owed at the time was $901.67. Additionally, at the time of the conversation with *** ***, Midland Credit had not yet received the funds from the seller.
*** *** also subsequently called Midland Credit on March 23, and spoke with two representatives regarding her refund request; however, the funds had not yet been received from the seller at the time those conversations took place. For that reason, those representatives would not have been able to request a refund. Later that day, on March 23, 2015, Midland Credit received $from the seller and posted the funds to the account. However, because the balance owed was $901.67, and Midland Credit received $902.00, this left an overpayment in the amount of $0.33. Midland Credit started the process for a refund in the amount of $0.33.
While *** *** states that she learned of the $settlement offer after making the $payment to the seller, in keeping with its Consumer-First policy, Midland Credit will honor the settlement offer, and will refund $to *** ***
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Thank you for your letter inquiry dated September 19, 2014, regarding *** ***’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
Midland Credit provided all the relevant account information in its previous letter response to your office dated September 18, 2014. In his most recent complaint, *** *** questions whether the account is collectible due to the expiration of the Statute of Limitations. A review of Midland Credit’s business records indicates that the Statute of Limitations expired on September 1, 2012. However, the passing of the Statute of Limitations does not extinguish the validity of the debtRather, it eliminates litigation as a potential remedy to collect that debt. The debt remains valid, due, and owing to Midland Credit
Also, *** *** writes that he will not consider his case resolved until validation is provided. As indicated in its previous response, Midland Credit’s business records indicate that the complaint *** *** filed was received in a timely manner pursuant to applicable law specific to the account. Upon receipt, Midland Credit acknowledged *** ***’s dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt.
Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office Since receiving the complaint, Midland Credit has not reported the account to the three major credit reporting agencies. Midland Credit will continue this practice 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 *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
January 29,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
Dear *** ***
Thank you for
your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 15, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as *** ***. During a search for the correct consumer, *** ***’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account. Please note that Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office
*** *** questions why Midland Credit representatives have not left any messages informing him of the reason for their call. Please note that Midland Credit has strict guidelines that its representatives must adhere to when leaving messages. This policy assists in preventing the inadvertent disclosure of private consumer information to third parties. Due to these restrictions, no messages were left
*** ***’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account. *** *** will no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, *** ***’s phone number *** *** has been added to an exclusion list to prevent it from being called in the future regarding the referenced account
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** *** 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
*** ***, Esq
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** **
March 6,
VIA E-Mail
Ms*** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** ***
Revdex.com# ***
MCM# ***, ***, ***, ***, and ***
Dear Ms***:
Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 23, 2015. Midland Credit appreciates the opportunity to answer your questions
A review of Midland Credit’s business records indicates that Ms*** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney. If Ms*** is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly
Mr*** previously filed three submissions through the Revdex.com of San Diego (“Revdex.com”) related to Revdex.com ID ***. Copies of Midland Credit’s responses are enclosedMidland Credit gave account-identifying details in its previous responses
As noted in Midland Credit’s previous response dated November 26, 2012, Midland Credit closed account nos*** and ***, which have not been reported to the credit reporting agencies since May 2012. With respect to account no***, Midland Credit advised in that same response that it had obtained verification information from the seller and had enclosed a copy for Ms***’s records. Account no*** remains in a “Cease and Desist” status, and while the account remains due and owing, Ms*** continues to not receive correspondence or calls from Midland Credit
In Ms***’s most recent Revdex.com submission, she indicates concern regarding the way that Midland Credit is reporting accounts on her credit report, and states that the accounts were supposedly opened with Midland Credit. A review of Midland Credit’s business records indicates that account nos*** and *** are being accurately reported to the three major credit reporting agencies
With that said, consumers are often unclear as to what the term “charge-off” means for a debt. When a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt to a collection agency. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit
A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for account no*** will expire in July 2015, and for account no*** will expire in May 2015. Please note that this does not extinguish the debts. Rather, it prevents the accounts from being reported to the credit reporting agencies. The accounts will remain collectible, due and owing to Midland Credit
Ms*** also expresses concern that Midland Credit keeps “renewing” the debts. As stated in its previous response dated August 31, 2012, Midland Credit does not modify or alter any of the original account information provided by the sellers, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/sellerThe open date listed on Ms***’s credit report is in fact the date of purchase by Midland FundingIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date reported reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
Per Ms***’s previous request, the accounts will remain marked “Cease and Desist.” While they remain due and owing, she will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law
If Ms*** or her attorney is ready to resolve the above-referenced debt, she may qualify for a reduction in the account balance. Please have Ms*** or her attorney call Account Manager *** *** at ###-###-#### to assist in reaching a resolution that will be both beneficial to her, as well as resolve the account balances
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to 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
*** ***, ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure
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 never received any bill or letters from Midland credit therefore me pulling my credit report is the first of me knowing of this account and therefore asking for validationI am still asking them to validate this debt which they have failed to doThis account is not valid and I will file a complaint with the Attorney General in my and your state I will also retain an attorney and press charges for each violation on my credit file if it is not removed as you have not provided me with validation of this debtFurthermore I am on Social Security disability and have no assets so your threats of taking legal action will do you no goodYou are violating by reporting this debt as a factoring revolving account when it is not too
Regards,
*** ***
Dear *** ***
Thank you for your letter inquiry regarding
*** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
April 7, 2015. Midland Credit appreciates the opportunity to
answer your questions
An
investigation of this
matter indicates that Midland Credit is the servicer of two
accounts being reported to the three major credit reporting agencies and belonging
to the complainant. Midland Credit
became the servicer of account no***, on behalf of purchaser, Midland Funding,
LLC (“Midland Funding”), on December 28, 2011.
Information provided by the seller, *** *** *** ***., at
the time of acquisition indicates this account was originated on June 30, 2008,
as a *** *** ** *** *** *** account number
ending in ***, in the name of *** ***, under the last four of the social
security number ***. Subsequently, the
account was charged-off as an unpaid delinquent-debt on January 30, 2009. The balance at the time of purchase was $772.25.
Midland
Credit became the servicer of account no***, on behalf of purchaser,
Midland Funding, on September 8, 2009.
Information provided by the seller, *** *** *** ***, at
the time of acquisition indicates this account was originated on July 23, 2008,
as an *** *** *** *** account number ending in ***, in the name
of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as
an unpaid delinquent-debt on May 5, 2009.
The balance at the time of purchase was $624.55.
*** *** expresses a concern that Midland Credit has re-aged the above-referenced
accounts by listing open dates that are later than the originals on their
consumer credit files. While Midland
Credit is sensitive to the consumer’s concern, Midland Credit does not alter or
modify any of the original account information provided by the seller, such as
the name of the consumer, the date of origination, or the date of
occurrence. Midland Credit reports the
information on the accounts it services based on the business records maintained
by the original lender/seller. The open
dates listed on *** ***’s credit report are in fact the respective dates
of purchase by Midland Funding. In
accordance with the Credit Reporting Resource Guide produced by the Consumer
Data Industry Association, the open dates being reported on the accounts
reflect the “date that the account was purchased by the debt buyer or
placed/assigned to the third party collection agency.”
A
review of Midland Credit’s business records indicates that the statute of
limitations expired on July 4, for account no***, and on November
4, for account no***. However, please note that the passing
of the statute of limitations does not extinguish the validity of the debts
Rather, it eliminates litigation as a potential remedy
Similar
to the statute of limitations, the expiration of the seven-year Federal
Reporting period also does not extinguish the debts. It only prevents the
accounts from being reported to the credit reporting agencies. A review
of Midland Credit’s business records indicates that the seven-year Federal
Reporting period will expire in July for account no***, and in November
for account no***. A review of Midland Credit’s business
records indicates that it is accurately reporting the above-referenced accounts
to the three major credit reporting agencies
If
*** *** is ready to resolve the above-referenced debts, they may qualify
for a reduction in their account balances.
Please have them call Account Manager *** *** at *** *** *** *** to assist in reaching a resolution of the account balances
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
September 25,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***
Thank you for your follletter inquiry dated September 11, 2014, regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all the relevant account information in its previous letter response to your office dated September 3, *** *** continues to express concern that she was told incorrect information concerning how the account would report on her consumer credit files when paidAs previously stated, Midland Credit believes that its representatives mistakenly misstated the company’s policy and again sincerely apologizes for the error, and any inconvenience or confusion created
Again, *** *** has not yet made the payment which was discussed. Midland Credit encourages *** *** to contact Account Manager *** *** at *** *** *** *** to discuss repayment options. Should *** *** pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should *** *** pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to report the account differently, 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 *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at t*** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This letter is very contradictingI never had a credit card with a balance owing $, and the *** *** account has nothing to do with the dispute I am questioningThe *** *** account is being handle by the governmentI need documents showing I signed for a *** Credit card and documents of purchases being made by me with this cardI have tried unsuccessfully to get documents proving I owe this money.Please send invoice for auto loan and the amount received at the auctionThere is no way I owe $for a vehicleI need proofDesist and ceased these balancesThis letter makes no senseThis conversation about these accounts are all over the placePlease forward documentsI have made phone calls, certified letters and *** *** will not return my call.*** ***
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
More lies, I AM not and have not been represented by an attorneyI did mention in a phone conversation that I may choose to do so but have not, to dateThis form claims they are 'reputable' yet clearly this is not so.
The 'debt' 'they claim existed was not even a legitamate debtI agreed to pay yo make it go away with the agreement nothing would be left on my credit reportIf this were not the case, I would have had NO incentive whatsoever to pay the settled amount! It is preposterous to think I would settle a nonsensical 'debt' with NO upside, namely full removal from my reportAbsurd!]
Regards,
*** ***
Dear *** ***
Thank you for your follletter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 27, 2015. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 14, 2015. *** *** writes that Midland Credit is fraudulently reporting the account on his credit report. As noted in its previous response, it is Midland Credit’s policy to report all accounts accurately. The seven-year Federal Reporting period for the above-referenced account will expire in July 2016. However, this does not extinguish the debt. Rather, it prevents the account from being reported to the credit reporting agencies. The account will still remain collectible, due and owing to Midland Credit. 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
*** *** also writes that in spite of his cease and desist request to not be contacted, he still received contact from Midland Credit. As stated in its previous response, the above-referenced account remained marked “Cease and Desist.” Midland Credit did not mail any letters or make any phone calls regarding the above-referenced account since its previous response to *** ***. If *** *** believes he is still receiving contact from Midland Credit, he is encouraged to contact Midland Credit’s Consumer Support Services team at *** *** *** *** so that it may resolve his concern
Additionally, *** *** states that the debt validation sent to him did not include any agreement with the original creditor. Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999)
Furthermore, *** *** expressed that when he contacted the original creditor, they had no knowledge of any balance or account. Please note, when a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt to a collection agency. The underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. Also, it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by *** ***, the representative of the original credit provider may not have had access to the pertinent account information.
Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate. Midland Credit will be closing its investigation of *** *** dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
* can't verify it so how can Midland? And if the account was valid the Statue of Limitations would be upThey keep reporting inaccurate information and are re aging the accountI didnt want to mention this because it's personal but I guess I'm going to have toI am a Disabled Veteran and due to my disabilities and circumstances beyond my control the Department of Veterans Affairs made it so I couldn't have credit of any kindI could have no payments of any kind except my rentI could not legally have or keep any type of accountsI couldn't even have my own banking accountsThere was a beneficiary named that did all that.The reason I got my reports and everything is because I worked my butt off did all the VA Programs and Requirements and just recently got the approval to take care of things myselfSo legally I could get my reports and Midland showed up and shouldn't be there periodThere is no way possible any off this is mineIf Midland wants continue on with this account and information they need to talk to the Dept Of Veterans AffairsI am protected from this by the Federal Government because they handled it allThey say this all started with *** in it's and they won't quit reporting the inaccurate informationThe sad thing is is that I've been a victim of this for years because they have been reporting this when I was unable to handle matters because of the rules from the VAThis is all fraudulent. Midland also states, like they are the victim, that because of all the negative things said about them it influences consumers meaning me in their responseIt was brought up by me because I didn't want it fixed then they just add it back on laterBut a lot of the negative information out there has been verified and shows they have an abundant history of hurting consumersThey buy old "junk" or "zombie" debt they don't and/or cant verify and cause great harm to consumers financial lives by reporting inaccurate informationThey need to show all the paperwork from the original contract, who they bought the information from and how it was verified as soon as they bought it to show cause for even going after the debtI think I deserve all that This really upsets me because if it was mine there would be no problem and I would handle itThe problem is, is that it's not mine at allThey are being deceitful to the Revdex.comThe accounts are being reported open and that I'm not paying them but then they use a different name and say it's a collectionThen they insinuate that it's my fault as a consumer that I don't know what a charge off isThey are reporting an open account with negative and derogatory informationHave they even considered they could be wrong or that this may actually be a case of fraud wich has happened to meThey should be able to represent the original contract when it was opened all the transactions and how they calculate interestIf they own it they should have all this information and my original signature. From what they say they investigated they should have all that information and documentation to back it upThey should be able to show who they bought the account from and how they verified it the day it was bought to know for sure they could collectI feel I have to reveal my personal life just to prove they are wrong and that's not rightI feel my privacy is being invaded and yes I gave you some personal info just to show this is all wrong and should be removed immediately from my Credit ReportsWhen was the last time Midland contacted *** about me? It seems they haven't they didn't even get the original account from *** and I know *** can't verify itSo if the original creditor can't verify it how can MidlandThey have no proof just information they bought from another company not ***.Midland needs to be investigated just on the basis they are reporting that I have an open account with them and I don't send the paymentsI've never set up a payment plan with them they even stated they haven't heard from meI would like to also point out and ask how they can just say they sent me a validation letterDid they not send it return receipt requested on purpose so they could say they sent it? It alarms me of deceptive practicesI know that when I've gotten other letters from different companies they had to be signed forIf Midland would have sent that letter it would have be answered because this is not my debt It's also alarming how they re age debt to try and avoid the Statue of Limitations wich is an illegal practice They say its from an original account from 2005!! I'm not sure what else I'm going to have to do without giving the world my personal information and losing more of my privacyI hope that the last four digits they say are from people's social security numbers are not being publishedThe bottom line is, is that I'm being taken advantage of and Midland tries to make it sound like consumers (me) don't know what charge offs are and imply that consumers (me) get the wrong idea because of all the negative verifiable information about them out there that they do nothing wrongIn my case they have been wrong and have violated many of the laws set up to protect consumers like re aging and reporting open not charge off accounts on credit reportsSo I request everything I mentioned and asked for in thisNot to be redundant but I'll put what I request from them again to prove they are correctFirst I'd like to know why they are reporting open accounts with balances and saying I'm months behindWhy they are reporting under different names with the only info that's the same is the account numberOn my reports they have the account open and some have a notation of collection but it's an open negative account not just a collection being reported. I request who they bought their information off of the date and time and how upon getting that information they verified it was ok to pursueThey didn't get any information from *** who they say was the original creditorI want to know how and when they verified the information with the original creditor I want to see the original contract the transactions and balances along with my signature and address I request how the interest was calculated and verified and wear in the original contract it says they can add interest( I'd also like to mention that now that they have seen recent activity they are adding more interest and wonder how they can just stop then decide years later to add interest again)That is against my rightsIf they own the account now they should have all that information and be able to show itI request proof they sent a validation request to me the date address and my signature confirmationI would also like to know how they can verify an account the original creditor can't and anything they did to investigate fraudThis is causing great financial and emotional stress and they have no real proof to be doing this to me.I am the victim here and I don't know if it's cause I'm a Disabled Veteran( I've had that happen) but I don't deserve to be treated like thisI'm man enough to admit if I'm wrong In this case I Am Not Wrong and it's not right that Midland can act like they did all these things when they have no proof at allThey are trying to get out of this by acting like I don't know what a charge off is and trying to use the fact that since they have a lot of negative things said about them that that's why people like me challenge their mistakes wrong doings and illegal practicesThey are trying to act like they are victims and they are not Trying to say I don't know what a charge off is a deceptive tactic they are using to try to take the focus off of them reporting an open account saying Im behind months and using different names and information. Please help me with all thisIt is very frustrating and they know thatThey want to drag it out thinking I'll pay just to be done with it I'm not going to pay something that isn't mine and I shouldn't have to They are doing a lot of wrong and even illegal things and need to be held accountable for their actionsI'm the little guy in all this and they are trying to make me pay for standing up for myself and that's not rightAnother thing that bothers me is that if this account was right it would still be past the Statue of Limitations so it should still be off my credit reports.They should have to show proof of everythingI respectfully request that Midland under all their names delete all their information on my credit reports and quit reporting negative information on this accountI request in writing from Midland that they have deleted everything and it will not reappear later. Thank you for all your time in dealing with this matter and I hope it gets resolved to satisfaction in a timely manner. I know your busy so thank you for taking the time out of your day to read this and help in dealing with this matter
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
Midland has never sent me a validation request at all and have ignored mineThey state I'm misinformed and don't know what a charge off isI know what a charge off is and they are reporting OPEN ACCOUNTS in thier name and are using to different companies on my reportsThey are reporting Midland Funding and Midland Credit Management all with the same account numbers but with different dates and informationThe accounts are reported as open and pass due by monthsHow can I be past due for payments to them? On certain reports they have a collection notation*** cant verify account and sice they didnt buy the account from *** directly how can they verify it and for that matter add interest.I'd like to know how they came up with a $balance when there is no account from ***They need to prove what they say I oweWear is all the transactions that come up to $and the original contract they say I signed? They would need that original contract to verify all of thisThey even said in their response that they didn't get the information from *** but some other place I've never heard of
Regards,
*** ***
Dear *** ***
Thank you for your follletter inquiry dated August 18, 2014, regarding *** ***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all the relevant account information in its previous letter response to your office dated August 13, 2014. *** *** continues to allege that a Midland Credit representative promised that Midland Credit would remove its tradeline from his consumer credit files if he chose to resolve the account balances. Midland Credit maintains its position that no violation of company policy occurred, and that its representatives acted appropriately pursuant to applicable law. While *** *** was advised that he could settle both accounts with a balance reduction of 50%, Midland Credit’s business records indicate that its representatives did not advise *** *** that the accounts would be removed from his consumer credit files upon payment.
Again, it is Midland Credit’s policy to report all accounts accurately. Should *** *** pay the full balances, Midland Credit will report the accounts as “Account paid in full, was a collection account.” Should *** *** pay less than the full balances, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the accounts, its correct and accurate status would not be reflected
If *** *** would still like to discuss payment of the account balances based on the above-referenced terms, he is encouraged to contact Midland Credit’s Consumer Resolution Account Manager, *** ***. *** *** may be reached at *** *** *** ***
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 21, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates
that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 21, 2011. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on January 8, 2009, as a *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 10, 2009. The balance at the time of purchase was $
As described in the complaint, *** *** questions the alleged conduct of certain Midland Credit employees, stating that he was treated rudely and that representatives refused to assist him. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Midland Credit has investigated *** ***’s concerns regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law.
*** *** contacted Midland Credit on April 13, 2015, and requested a non-recorded line. A review of Midland Credit’s business records indicates that he was advised of the credit reporting status of the account and that Midland Credit does not report account as “days late.” *** *** requested that he speak with a different representative who could answer his questions further, and was transferred to another representative, who also advised that Midland Credit does not report accounts as “days late.”
*** *** contacted Midland Credit again on April 17, 2015, and discussed the account with a Midland Credit representative. An authorized representative for *** *** was also on the call. He was again advised that Midland Credit does not report accounts as “days late,” and that Midland Credit could not provide a letter stating that the account was being incorrectly reported as such. Based on the information available to it, Midland Credit must respectfully conclude that *** *** was treated respectfully, and appropriately advised about his account
As noted above, although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies. Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies
Midland Credit received *** ***’s correspondence requesting validation on February 6, 2015. Although the request was not timely, verification information provided by the seller was mailed to *** *** in response to his dispute on or about February 11, 2015. A copy of the verification information provided by the seller is enclosed. If *** *** is ready to resolve this debt, he may qualify for a reduction in his account balance. Please have *** *** call Midland Credit Account Manager *** *** at *** *** *** *** to assist him in reaching a resolution of the account balance
Should *** *** pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should *** *** pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure
November 6,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***
Thank you for your follletter inquiry dated October 23, 2014, regarding *** ***’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
*** *** states that she does not understand how a letter could be returned as “undeliverable” when she has lived at the same address for years. It appears *** *** misunderstood Midland Credit when it advised her that the validation letter it mailed to her on June 2, was not returned to Midland Credit as “undeliverable.” The statement was to let her know that Midland Credit adhered to the Fair Debt Collection Practices Act in providing the validation letter, and has every expectation that the letter was delivered to *** ***’s address
Further, in its previous response, Midland Credit advised it had not called more often than is allowable pursuant to applicable law and the statement was meant to show that Midland Credit had acted appropriately. In her complaint, *** *** indicated that she did not wish to receive calls from Midland Credit and, as such, Midland Credit responded by marking the account as “Direct Mail Only.” While the debt remains due and owing, in updating the status of the account in this way, *** *** will no longer receive phone calls from Midland Credit representatives
Her last concern is that she was not advised that providing supporting documentation of her financial situation would result in lowering the garnishment amount, rather than ceasing the garnishment altogether. Midland Credit inquired with Internal Legal about the matter. They have advised that previous requests to adjust the garnishment received in May and June of from *** *** asked that the garnishment be reduced to an amount of $a week or less, and not to eliminate the garnishment entirely.
On September 25, 2014, an Internal Legal representative spoke with *** *** and explained that she had not provided documents to support her contention that she could not afford the initial garnishment amount. Internal Legal also advised that evidence of financial hardship had apparently also been requested in a June 20, conversation with *** ***. As stated in its previous response to your office, the appropriate documentation was received on September 29, 2014. In response, a garnishment modification was generated, signed by Internal Legal and *** ***, and mailed to the court and *** ***’s place of employment on October 13, 2014.
If *** *** has any further concerns, Midland Credit encourages her to continue working with Internal Legal. For ease of reference, their mailing address and phone number remain PO Box 939033, San Diego, CA and *** ***
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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 no recollection of ever speaking with this creditor in 2011, and acknowledging such debtI stand by my statement that it is in fact fraudulentThis company has no proof that I initiated any on-going activity with their debtorMy credit file has had a continued FRAUD ALERT since
You have never attempted to contact me, of course, if you did, it would have been disputed continuallyYou have evidence that it's been disputed in the past and you continue to pursue something that is not valid
If you expect me to have a police report involving something I had no knowledge of since 2010, you're mistaken, delusional, and misguided as a "professional" LawyerExpect an Attorney General's complaint in regards to this, soonExplain it to your state about how you've continued to pursue a debt on fraudulent activity, which you cannot proveExpect your company to provide your state with valid proof of this debt!
Regards,
*** ***
Dear *** ***
Thank you for your follletter inquiry regarding *** ***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received
November 20, 2014. Midland Credit appreciates the opportunity to
answer your questions
*** *** reiterates his request for validation of the
debt. Midland Credit maintains the
position previously stated to *** ***.
A review of business records indicates that the account is being accurately
reported to the credit reporting agencies
If *** *** believes the account does not belong
to him, Midland Credit stands ready to assist him in clearing his record if he
has been a victim of identity theft or fraud.
If such is in fact the case, Midland Credit respectfully requests that
*** *** 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 *** If submitting an affidavit of fraud, *** ***
should complete the form and have the form notarized. He may forward appropriate documentation to
Consumer Support Services at the address on this letterhead
*** *** also notes that he is a disabled
veteran. If such is, in fact, the case,
in keeping with its consumer-first policy and Consumer Bill of Rights, Midland
Credit will cease collection activity on this account. Midland Credit respectfully requests that *** *** provide it with documentation which proves the disability or hardship *** *** is currently facingHe may forward appropriate documentation to Consumer
Support Services at the address on this letterhead
In the meantime, as referenced in Midland Credit’s
previous response letter, in keeping with its Consumer-First policy, the
above-referenced account was marked “Cease and Desist.” While it remains due and owing, *** *** will
continue to 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 *** ***
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
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
March 24,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
Dear *** ***
Thank you for your letter inquiry
regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 10, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** expresses a concern that an inquiry has been placed on her credit report. Please note that Midland Funding, LLC purchases, and through its servicer, Midland Credit, collects on portfolios of charged-off accounts. In that light, it uses proprietary data as well as authorized consumer-credit information provided by *** *** in the determination of the value of potential investments. Consumer-credit information is provided under Permissible Purposes of Consumer Reports, Section 604(a)(3)(E) of the Fair Credit Reporting Act (FCRA), ‘potential investment.’
A portfolio of accounts containing *** ***’s name was reviewed, and data made available by *** *** was used to make the determination of potential investment, in compliance with applicable law. The inquiry conducted is not related to the credit reporting of an outstanding debt. *** *** displays this information in the “Inquiries Not Displayed to Anyone” section of *** ***’s credit report
Midland Credit also received additional information from your office on March 23, 2015, regarding *** ***’s complaint, in which she also expresses concern that Midland Credit has been calling her regarding a debt that does not belong to her. Based on the information provided within *** ***’s complaint, Midland Credit’s business records do not indicate that it is calling *** ***’s phone number, *** ***.
However, if *** *** is receiving calls at a different phone number or believes that Midland Credit is calling her, she is encouraged to contact Midland Credit’s Consumer Support Services team at *** *** *** *** so that it may further its investigation of her claim
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***