VIA E-Mail
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]
[redacted]
[redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 15, 2016. Midland Credit appreciates the opportunity to answer your questions.
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 18, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates this account originated on September 22, 2007 as a [redacted] credit card with an account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 9, 2014. The balance at the time of purchase was $1,371.05. On August 9, 2015 the account was placed with [redacted] for servicing.
[redacted] claims that Midland Credit did not send her a validation letter. On March 28, 2014, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
[redacted] also alleges that Midland Credit filed a lawsuit and obtained a default judgment against her without serving her with a Notice to Appear. Sessoms Law advises that it mailed [redacted] a Demand Letter on September 8, 2015, followed by a Notice of Intent to file Legal Action on September 16, 2015. Please note that both of these letters were also mailed to the same address listed within [redacted] complaint.
Sessoms Law indicates they did not receive a response to either letter. As a result, suit was subsequently filed on November 4, 2015. [redacted] was served by the Sheriff’s Office on November 5, 2015, and judgment was obtained on January 6, 2016. Copies of the letters as well as a copy of the judgment are enclosed for [redacted] records.
[redacted] also states that she does not owe money to Midland Credit as she has no contract with Midland Credit. Please note that the account was purchased from the seller with all rights. 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, Midland Funding, has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
[redacted] further states that the account should have been removed from her credit report in 2014 as the account had been opened longer than seven years at that point. Please note that the seven-year Federal reporting period is not based off of how long the account has been opened, but rather it is based off of the date of first delinquency. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in August, 2020. Additionally, the expiration of the seven-year Federal Reporting period does not extinguish a debt. It only prevents the account information from being furnished to the credit reporting agencies. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Midland Credit encourages [redacted] to work with Sessoms Law to assist in reaching a positive resolution. [redacted] may reach [redacted]. Their phone number is [redacted].
Per [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, she will continue to not receive contact from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
[redacted]
[redacted]
class="MsoNormal">
Thank you for your letter inquiry dated June 9, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed.
As stated in Midland Credit’s earlier response; 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 15, 2011. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on February 23, 2007 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 25, 2008. The balance at the time of purchase was $561.14.
[redacted] requests that the account be removed from his consumer credit files, believing the seven-year Federal Reporting Period has expired. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will not expire until August 2014. Please note that this does not extinguish the debt. Rather, it will prevent the account from being reported to the credit reporting agencies. The account will still remain collectible, due, and owing to Midland Credit.
A copy of the verification information provided by the seller is enclosed for his records. Midland Credit is accurately reporting the account to the credit reporting agencies.
If [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance. Please have him call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted]
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 27, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 27, 2012. Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on July 21, 2002, as a T-Mobile cellular account number ending in [redacted], in the name of Kenneth D [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 8, 2012. The balance at the time of purchase was $1,198.74. Final payment on the account was posted to the account on January 8, 2015. Mr. [redacted] has no further financial obligation for this account.
Mr. [redacted] expresses a concern that he received a letter from Midland Credit requesting payment after he had paid to resolve the account balance. On December 5, 2014, a letter was sent to him offering the option to submit a payment for less than the full balance by January 7, 2015 in order to consider the debt resolved. Upon receipt and processing of his check, Midland Credit posted the $479.49 referenced in his complaint to the account on January 8, 2015. Although the payment was not received within the specified timeframe, Midland Credit subsequently made the business decision to accept his payment using the terms provided in the December 5, 2014 offer letter. A letter advising Mr. [redacted] the account balance had been resolved was mailed to him on February 4, 2015.
As Midland Credit had not been notified a payment was forthcoming, and the payment had been posted after the expiration date of the offer, Mr. [redacted] was sent the letter he references in his submission to your office on January 9, 2015. Please note the files of accounts which receive marketing letters are built and sent to Midland Credit’s mail vendor 1-2 days prior to the actual send date of the letter to ensure there is enough processing time at the mail house. Final scrubs are conducted to look for changes in account status, such as in Mr. [redacted]’s case. However, if the status change occurs too close to the send date there is chance that a small number of accounts with late status changes receive marketing letters. That appears to be the case here.
Please note, although his submission indicates he spoke with Midland Credit on January 21, 2015, there is no indication Midland Credit has spoken with Mr. [redacted] since April 12, 2013. Regardless, he may disregard the letter sent January 9, 2015. As indicated above, Mr. [redacted] has no further financial obligation on the above-referenced account.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) [redacted] ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted] Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
size="3">Thank you for your letter inquiry
regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
June 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 March 25, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated
on January 3, 2008 as a [redacted]. residential
telephone
account number ending in [redacted], in the name of [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 4, 2011. The balance at the time of purchase was $222.45.
Ms.
[redacted] requests Midland Credit delete this account from her credit
report. Please note that Midland Credit stopped
credit reporting this account in May 2014. If Ms. [redacted] still believes that Midland Credit
is reporting its tradeline on her credit report, she is encouraged to call Midland
Credit’s Consumer Support Services team at [redacted] ext. [redacted].
Ms.
[redacted] writes that she disputes and requests validation of her account. On May 3, 2013, Midland Credit mailed Ms.
[redacted] a validation letter, which informed her that Midland Funding had
acquired the account, and of her rights pursuant to the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
The letter was not returned as “undeliverable” by the United States
Postal Service, satisfying the notification requirements of the FDCPA. 15
U.S.C. § 1692.
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from Ms. [redacted] in response to
the letter. In fact, no correspondence
was received directly from Ms. [redacted] prior to the complaint filed through
your office, which cannot be considered timely.
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact Ms. [redacted] and collect the debt.
If
Ms. [redacted] is ready to resolve the above-referenced debt, Ms. [redacted] may
qualify for a reduction in her account balance.
Please have Ms. [redacted] call Account Manager [redacted] at [redacted] ext. [redacted] to assist her in reaching a resolution of the account
balance.
In
the meantime, per Ms. [redacted]’s request for all communication
to be in writing, the above-referenced account has been marked “Direct
Mail Only.” Ms. [redacted] will no longer receive phone calls from Midland
Credit representatives and all correspondence will be sent via the United
States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms. [redacted]’s.
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am requesting Midland Funding provide a copy of the documentation sent to the wrong address through the Revdex.com website for further review.
Regards,
[redacted]
font-family: 'Times New Roman';">Thank you for your letter inquiry dated March 5, 2014,
regarding [redacted] complaint, which Midland Credit Management, Inc. (hereinafter “Midland
Credit”) received the same
day via E-mail.
Midland Credit appreciates the opportunity to answer your questions.
An investigation of
this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC
(hereinafter “Midland Funding”), on September 15, 2011. Information provided by the seller, [redacted] at the time of acquisition indicates this account was
originated on July 10, 2007 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was
charged-off as an unpaid delinquent-debt on December 7, 2008. The balance at the time of purchase was $323.96.
A review of Midland
Credit’s business records indicates that shortly after Midland Funding acquired
the above-referenced account, on September 26, 2011, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired
the account, and of his rights pursuant to the Fair Debt Collection Practices
Act (15 U.S.C. § 1692 et seq.) (“FDCPA”). Please note that the letter was mailed to the
same address listed within [redacted] complaint via the United States Postal
Service, and was not returned as “undeliverable” – satisfying the requirements
set forth within the FDCPA.
Midland Credit’s
business records further indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to the
letter. In fact, no correspondence was
received from [redacted] prior to the complaint filed through your office, which
cannot be considered timely.
The FDCPA specifically
states that, unless a consumer provides a debt collector with notice of such a
dispute within 30 days of receiving the initial validation letter, “the debt
will be assumed to be valid by the debt collector.” (15 U.S.C. § 1692g(a)(3).) Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact [redacted] and collect the debt.
[redacted] expresses a
concern that he was advised by a Midland Credit representative that Midland
Credit would remove its tradeline from his consumer credit files upon settling
the account balance. A review of Midland
Credit’s business records indicates [redacted] had multiple telephone
conversations with Midland Credit representatives in which [redacted] requested the
removal of Midland Credit’s tradeline upon payment. Each time, the representatives advised [redacted] that Midland Credit’s policy does not allow the removal of a paid account.
While Midland Credit
is pleased that it was able to assist [redacted] in reaching a resolution which
settled the balance for the above-referenced account, please note that it is
Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records
indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection
account.” If Midland Credit were to
delete the account, its correct and accurate status would not be reflected.
With
that said, Midland
Credit stands ready to assist [redacted] in clearing his record and providing a
refund if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit
respectfully requests that [redacted] provide it with a copy of a police report
showing that he reported the fraudulent activity. He may forward the appropriate documentation
to Consumer Support Services at the address on this letterhead.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at [redacted] should you have any further
questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have already supplied this company and [redacted] the proof that this is not my debt. [redacted] was also sent a copy of the papers filed and recognizes that the debt was not mine I am not going to provide it again. I did what I was asked to do. Now I will let my attorney handle this and I will contact the media about this. I am tired of these collection companies bullying people. I am a victim and I am not going to let this company ruin my credit after they were sent a copy of the report that I filed. This debt will me taken off my credit report.
Regards,[redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
January 13, 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 January 12, 2015. [redacted] writes that he has never received
any communication in writing from Midland.
Midland Credit maintains its position that it sent separate and unique
validation letters to [redacted] for the above referenced accounts on April 27,
2012. The letters were not returned as
“undeliverable” by the United States Postal Service. Subsequently, Midland Credit mailed several
letters to [redacted] in an effort to resolve the account balances and in
response to his dispute notices, none of which were returned as “undeliverable”
by the United States Postal Service.
[redacted] also writes that Midland Credit is reporting incorrect dates of first
delinquency. Information provided by the
seller of the above-referenced accounts, [redacted]., indicates that
[redacted] made a final payment towards account no. [redacted] on May 20, 2010,
and toward account no. [redacted] on April 7, 2010.
As
stated in its previous response, Midland Funding, LLC purchased the
above-referenced accounts on or about April 2, 2012. Midland Credit maintains its position that it
does not alter or modify any of the original account information provided by
the seller, such as 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. As such, Midland Credit must respectfully conclude
that it reflects the accurate dates of first delinquency.
Additionally,
[redacted] expresses concern regarding the nomenclature that appears on his
consumer credit files. Although Midland Credit submits updates to the reporting
agencies each month, Midland Credit does not report accounts as “120 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.”
[redacted] is encouraged to communicate directly with the credit bureaus should he
have any further concerns about the nomenclature that Midland Credit is
compelled to use in credit bureau reporting.
In addition, if [redacted] obtained his credit report from a compilation
source, the information being reported may appear to vary. The credit bureaus have advised that it
appears this way because they do not directly populate the fields on credit
reports pulled from any source other than directly from the credit bureau
itself.
Based
on the information provided by the seller, Midland Credit has again determined
that its credit file and credit reporting of the above-referenced accounts are
accurate. Midland Credit will be closing
its investigation of [redacted]’s dispute and will be resuming regular collection
activities as allowed by the [redacted] Finance Code and/or the Fair Credit
Reporting Act.
The
above-referenced accounts will continue to remain marked “Direct Mail
Only.” While they remain due and owing, [redacted] will continue to not
receive phone calls from Midland Credit representatives and all correspondence
will be sent via the United States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered
In-House Counsel in California
Roman">Thank you for your letter inquiry
regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
October 22, 2015. Midland Credit appreciates the opportunity to
answer your questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on March 18, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates
this account was originated on March 11, 2012 as
a [redacted] credit card account
number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on January 6, 2014. The balance at the time of purchase was $484.39. Final payment on the account was received by
Midland Credit on July 9, 2015.
[redacted] has no further financial
obligation for this account.
[redacted] expresses concern that the above-referenced account is reporting as “120
days or more than four payments past due” on his consumer credit files. Although Midland Credit submits updates to
the reporting agencies each month, Midland Credit does not furnish information
that accounts are “120 days or payments past due” to the credit reporting
agencies. Depending on the current
condition of a given account, Midland Credit will furnish an 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 the account information it is furnishing to the three major credit
reporting agencies is accurate.
[redacted] is encouraged to communicate directly with the credit bureaus should he
have any further concerns about the nomenclature that Midland Credit is
compelled to use. In addition, if [redacted]
obtained his credit report from a compilation source, the information being
reported may appear to vary. The credit
bureaus have advised that it appears this way because they do not directly
populate the fields on credit reports pulled from any source other than
directly from the credit bureau itself.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted]..
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Thanks for your continued support, I have reached out to [redacted] in the event reaching a settlement offer, however the initial credit line was $300 and with interest and fees I was told the account is up to $1800 now, it is obscure on my behalf coming close to making a settlement offer anywhere close to that amount, I did however set out a figure in the amount of $1000 but I was told I would have to come up in full if offer was accepted, I cannot come up with $1000 in full, not in these times and was looking forward to a break up in payments after offer is accepted. I don't like he fact I'll be loosing money and paying for a account I already did but shame on me for not keeping my proof, none the less willing to stop this financial nightmare before it end up costing me way more in the future. I am hoping to reach a settlement with them and one that is doable and acceptable in the event the Payments have to be broken up.
Regards,
[redacted]
your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 3, 2016. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that [redacted] has retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his accounts accordingly
An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] for which it is furnishing information to the credit reporting agencies. Midland Credit became the servicer of accounts no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 15, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 23, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, 2012. The balance at the time of purchase was $1,278.49.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 15, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 2, 2012. The balance at the time of purchase was $717.27.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 15, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 30, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, 2012. The balance at the time of purchase was $1,476.73.
[redacted] expresses a concern that he mailed a validation request via certified mail to Midland Credit on March 9, 2016, and did not receive a response. Midland Credit mailed [redacted] separate and unique validation letters – on September 23, 2015 for account no. [redacted], on November 4, 2015 for account [redacted], and on November 20, 2015 for account [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debts Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. A review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation from [redacted] on May 12, 2016. Enclosed with the correspondence that was received at that time was a previous letter from [redacted] dated March 9, 2016. The attached return receipt listed the recipient as “Midland Financing LLC, PO Box 101928, Birmingham, AL 35210.” Please note, Midland Credit is not affiliated with Midland Financing LLC or the corresponding address to which [redacted] former letter had been mailed. As a result, the letter was not received.
In [redacted] correspondence which was received on May 12, 2016, he referenced an original account number ending in [redacted], which corresponds to Midland Credit account no. [redacted]. Please note that Midland Credit had already opened an investigation for the account in response to a notice of possible dispute received from the credit reporting agencies on March 31, 2016.
In response to the notice, Midland Credit mailed [redacted] a letter on April 22, 2016, advising him of the investigation and stating that the appropriate documentation had been requested. Once the documentation was received, Midland Credit mailed a subsequent letter to [redacted] on June 20, 2016, which provided the identifying account information, advised that the credit reporting agencies had been requested to update the status of the account to “disputed,” and requested additional information regarding the dispute. Additionally, verification information provided by the seller was enclosed for the account.
In regards to account no. [redacted], Midland Credit mailed [redacted] a letter on May 20, 2016, advising that its records for the account were accurate, that the credit bureaus had been notified to continue reporting the account as disputed, and requested additional information regarding [redacted] claim. Midland Credit also provided the verification information from the seller along with the letter.
Although verification information provided by the seller was mailed to [redacted] in response to his disputes at those times, a copy of that documentation is again enclosed for his records. Please note that a copy of the verification provided by seller for account no. [redacted] is also enclosed. The verification information provided by the sellers meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.
[redacted] expresses an additional concern that he previously called Midland Credit and attempted to resolve the above-referenced accounts for 25% of each account balance. As described in the complaint, [redacted] also questions the alleged conduct of certain Midland Credit employees during the call. Please note that Midland Credit representatives have strict guidelines they must adhere to when offering and accepting payment offers.
Due to those guidelines, Midland Credit was unable to accept [redacted] repayment offer. Additionally, the alleged conduct described by [redacted] is being investigated. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner.
If [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in his account balances. Please have [redacted] or his attorney call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances.
In the meantime, per [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing. With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
April 14, 2016
MARGIN: 0in 0in 0pt">
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 6, 2016. Midland Credit appreciates the opportunity to answer your questions.
[redacted] expresses a concern that she has been receiving calls on her cell phone, and states she does not know the person they are asking for. Please note, based on the phone number[redacted] that [redacted] provided in the complaint to your office, Midland Credit is unable to locate an account where a Midland Credit representative has contacted her. If [redacted] has received calls from Midland Credit representatives at any numbers other than the one she provided, or if she can provide documentation listing the calls she has received, she may call Midland Credit’s Consumer Support Services team at[redacted] to provide such information so the matter may be investigated further.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Dear [redacted]:
Roman';">
Thank you for your letter inquiry dated April 9, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on August 28, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 16, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 29, 2010. The balance at the time of purchase was $1,076.66. Final payment on the account was received on June 19, 2013. [redacted] has no further financial obligation for this account.
[redacted] expresses concern that she is still receiving calls from Midland Credit after resolution of the debt. A review of Midland Credit’s business records indicates that payment was received on June 19, 2013. Due to an administrative oversight, the payment was not processed as a settlement when it was received. The account now reflects a $0 balance. [redacted] has no further financial obligation.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
After making payment arrangements in April on a balance due, the contract "voided" because they (Midland Credit Mgmt Inc) say they received the payment after the date due because at their fault (or on purpose?!?) my mail payment was opened after payment due date! And I get the blame! The money order sent by me was gotten and mailed to the company 10 days before the payment due date! Payment was due by April 30th, the money order was gotten and mailed April 20th. Are they going to keep doing this every month so they can say I "voided" the contract thus giving them another opportunity to continue adding more money on my balance due?!? Big business and their dirty tricks to even rob you more!! No ethics! Criminal!
font-family: 'Times New Roman';">Thank you for your letter inquiry dated September 2, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
the same day via E-mail. Midland Credit appreciates the opportunity to
answer your questions.
[redacted] expresses a concern that she had filed a complaint previously with the Consumer
Financial Protection Bureau (“CFPB”) but had not received a response. A review of Midland Credit’s business records
indicates she did file a similar complaint through the CFPB which Midland
Credit received on November 20, 2013. Midland
Credit sent a response to the CFPB on December 4, 2013 and a
copy of that letter is
enclosed.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on September 29, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates
this account was originated on January 5, 2007 as
a [redacted] account number
ending in 2175, in the name of [redacted],
under the last four of the social security number [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 2, 2009. The balance at the time of purchase was $1,353.18.
[redacted] expresses a concern that her validation requests have been
ignored. On November 7, 2011, Midland
Credit mailed [redacted] a validation letter, which informed her that
Midland Funding had acquired the account, and of her rights pursuant to the
Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
Please note that the letter was mailed to [redacted] via the United
States Postal Service, and was not returned as “undeliverable” – satisfying the
requirements set forth within the FDCPA.
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to
the letter. A review of Midland Credit’s
business records indicates that it received notice from the credit reporting
agencies of a possible dispute on or about October 10, 2013. However, Midland Credit did not receive the
first correspondence requesting validation directly from [redacted] until
November 5, 2013, which cannot be considered timely.
The
FDCPA specifically states, unless a consumer provides a debt collector with
notice of such a dispute within 30 days of receiving the initial validation
letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact [redacted] and collect the debt.
While
the request was not timely, verification information provided by the seller was
mailed to [redacted] on October 14, 2013 in response to her dispute. A copy of the verification information
provided by the seller is enclosed within the previous response to the CFPB. Please note that the verification information
provided by the seller meets the requirements of the FDCPA. The original contract, complete payment
history, and a full set of billing statements are not required under the FDCPA.
Chaudhry v. Gallerizzo, 174 F.3d 394
(4th Cir. 1999).
A
review of Midland Credit’s business records indicates that it is accurately
reporting the above-referenced account to the three major credit reporting
agencies. If [redacted] is ready to
settle this debt, she may qualify for a reduction in her account balance. Please have [redacted] call Midland Credit
Account Manager [redacted] at [redacted] to help settle this
account balance.
In
the meantime, while [redacted] was advised in Midland Credit’s December 2013
response to the CFPB that the above-referenced account had been marked “Direct
Mail Only” and she would no longer receive phone calls from Midland Credit
representatives, the account was in fact marked at that time as “Cease and
Desist” and Midland Credit ceased all attempts to contact [redacted]
accordingly. The above-referenced
account remains due and owing, though [redacted] will continue to not
receive correspondence or calls from Midland Credit representatives unless a
response is required by law.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
March 1, 2016
Roman">
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 16, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 18, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 26, 2011, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on May 2, 2012. The balance at the time of purchase was $763.52.
[redacted] expresses a concern that she has not had a credit card for over 15 years. On June 29, 2012, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it began receiving notices of possible dispute from the credit reporting agencies in October 2012. Midland Credit’s business records further indicate that it received the first correspondence requesting validation from [redacted] on September 30, 2015.
Midland Credit has appropriately responded to the disputes it has received regarding this account. With that said, verification information provided by the seller has been sent to [redacted] in response to disputes, most recently on November 9, 2015. Another copy of that information is enclosed for [redacted]’s records.
Please note that the verification information provided by the seller meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999). A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
[redacted] indicates that her identity has been compromised by family members on two occasions. Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized.
[redacted] can also contact Midland Credit online at [redacted], where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead.
Per [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
May 6, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 22, 2016. Midland Credit appreciates the opportunity to answer your questions. Please note that Midland Credit provided all of the account identifying information in its previous letter response to your office dated April 20, 2016.
[redacted] states that she has reviewed Midland Credit’s response to her initial complaint. [redacted] advised that Midland Credit’s actions would not resolve her complaint. However, in review of [redacted]’s recently received complaint, she did not provide any details regarding why she was not satisfied with Midland Credit’s resolution. Without [redacted] providing further details regarding the reason of her continued dispute, Midland Credit stands by its previous response.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
April 11, 2016
MARGIN: 0in 0in 0pt">
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted] & [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 28, 2016. Midland Credit appreciates the opportunity to answer your questions.
Please note, [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”), case no. [redacted]). Midland Credit sent a response to [redacted] through the CFPB dated April 4, 2016, a copy of that response is enclosed for your reference.
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted]. Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 25, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 7, 2009, as a [redacted]/[redacted],[redacted]. credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 13, 2012. The balance at the time of purchase was $2,974.76.
A review of Midland Credit’s business records indicates that on March 3, 2013, this account was placed with [redacted] [redacted] (“[redacted]”). [redacted] advised that suit was filed on April 18, 2013 and a judgment was entered on July 12, 2013. A copy of the judgment is enclosed in the attached response to the CFPB.
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, on March 29, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 6, 2003, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 2, 2012. The balance at the time of purchase was $11,631.44.
[redacted] is requesting validation on the above referenced accounts. Please note, Midland Credit mailed [redacted] separate and unique validation letters – on September 30, 2012, for account number [redacted], and on April 10, 2013, for account number [redacted]. These letters informed [redacted] that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debts or requesting validation from [redacted] in response to the letters. A review of Midland Credit’s business records indicates that it received the first notification of a possible dispute from the credit reporting agencies on or about January 3, 2015 for account numbers [redacted] and [redacted].
In response to the notices of possible disputes received on account number [redacted], Midland Credit mailed [redacted] a copy of the verification information provided by the seller on January 21, 2015, September 9, 2015, and February 26, 2016. A copy of the verification information provided by the seller is enclosed in the attached response to the CFPB.
Please note, upon receipt of [redacted] complaint for account number [redacted], Midland Credit acknowledged her current dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt. Once Midland Credit has obtained verification of the debt, a copy will be forwarded to [redacted] through the Revdex.com (“Revdex.com”) and CFPB. Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide you with verification of the debt.
[redacted] is also stating that Midland Credit is reporting an inaccurate debt and re-aging the accounts monthly. While Midland Credit is sensitive to [redacted] concerns, 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 furnishes account information on the accounts it services based on the business records maintained by the original lender/seller. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
In regards to account number [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution. The firm may be reach be reached at [redacted] Their phone number is [redacted]
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Dear Ms. [redacted]:
0in 0in 0pt;" class="MsoNormal">
Thank you for your letter inquiry dated June 10, 2014, regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 29, 2009. Information provided by the seller, Citibank (South Dakota), N.A., at the time of acquisition indicates this account was originated on February 25, 2005 as a [redacted] MasterCard account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 11, 2009. The balance at the time of purchase was $1,977.49.
Ms. [redacted] expresses a concern that her validation requests have been ignored. A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on October 7, 2009, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692 et seq. Please note that the letter was mailed to the same address listed within Ms. [redacted]’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms. [redacted] in response to the letter. A review of Midland Credit’s business records indicate that it received the first correspondence requesting validation from Ms. [redacted] on February 19, 2010, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt.
A review of Midland Credit’s business records indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
If this is my account I do not understand the issue of showing the signature in the account. I have stated numerous times to the company & request numerous times only for them to give me the run around as they are doing now. Refusing to show the signature to verify who signed. I have stated over & over it was not me. Futhermore I have never received mail to my present address from midland. They stated my parent's address I did not give them then how did they receive that address. Again to resolve this once and for all just show the signature. Regards,[redacted]
December 22, 2016
VIA E-Mail
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]
[redacted]
[redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 15, 2016. Midland Credit appreciates the opportunity to answer your questions.
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 18, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates this account originated on September 22, 2007 as a [redacted] credit card with an account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 9, 2014. The balance at the time of purchase was $1,371.05. On August 9, 2015 the account was placed with [redacted] for servicing.
[redacted] claims that Midland Credit did not send her a validation letter. On March 28, 2014, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
[redacted] also alleges that Midland Credit filed a lawsuit and obtained a default judgment against her without serving her with a Notice to Appear. Sessoms Law advises that it mailed [redacted] a Demand Letter on September 8, 2015, followed by a Notice of Intent to file Legal Action on September 16, 2015. Please note that both of these letters were also mailed to the same address listed within [redacted] complaint.
Sessoms Law indicates they did not receive a response to either letter. As a result, suit was subsequently filed on November 4, 2015. [redacted] was served by the Sheriff’s Office on November 5, 2015, and judgment was obtained on January 6, 2016. Copies of the letters as well as a copy of the judgment are enclosed for [redacted] records.
[redacted] also states that she does not owe money to Midland Credit as she has no contract with Midland Credit. Please note that the account was purchased from the seller with all rights. 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, Midland Funding, has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
[redacted] further states that the account should have been removed from her credit report in 2014 as the account had been opened longer than seven years at that point. Please note that the seven-year Federal reporting period is not based off of how long the account has been opened, but rather it is based off of the date of first delinquency. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in August, 2020. Additionally, the expiration of the seven-year Federal Reporting period does not extinguish a debt. It only prevents the account information from being furnished to the credit reporting agencies. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Midland Credit encourages [redacted] to work with Sessoms Law to assist in reaching a positive resolution. [redacted] may reach [redacted]. Their phone number is [redacted].
Per [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, she will continue to not receive contact from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
[redacted]
[redacted]
[redacted]
Enclosure
Dear [redacted]:
class="MsoNormal">
Thank you for your letter inquiry dated June 9, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed.
As stated in Midland Credit’s earlier response; 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 15, 2011. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on February 23, 2007 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 25, 2008. The balance at the time of purchase was $561.14.
[redacted] requests that the account be removed from his consumer credit files, believing the seven-year Federal Reporting Period has expired. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will not expire until August 2014. Please note that this does not extinguish the debt. Rather, it will prevent the account from being reported to the credit reporting agencies. The account will still remain collectible, due, and owing to Midland Credit.
A copy of the verification information provided by the seller is enclosed for his records. Midland Credit is accurately reporting the account to the credit reporting agencies.
If [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance. Please have him call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted]
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
lang="X-NONE">Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 27, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 27, 2012. Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on July 21, 2002, as a T-Mobile cellular account number ending in [redacted], in the name of Kenneth D [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 8, 2012. The balance at the time of purchase was $1,198.74. Final payment on the account was posted to the account on January 8, 2015. Mr. [redacted] has no further financial obligation for this account.
Mr. [redacted] expresses a concern that he received a letter from Midland Credit requesting payment after he had paid to resolve the account balance. On December 5, 2014, a letter was sent to him offering the option to submit a payment for less than the full balance by January 7, 2015 in order to consider the debt resolved. Upon receipt and processing of his check, Midland Credit posted the $479.49 referenced in his complaint to the account on January 8, 2015. Although the payment was not received within the specified timeframe, Midland Credit subsequently made the business decision to accept his payment using the terms provided in the December 5, 2014 offer letter. A letter advising Mr. [redacted] the account balance had been resolved was mailed to him on February 4, 2015.
As Midland Credit had not been notified a payment was forthcoming, and the payment had been posted after the expiration date of the offer, Mr. [redacted] was sent the letter he references in his submission to your office on January 9, 2015. Please note the files of accounts which receive marketing letters are built and sent to Midland Credit’s mail vendor 1-2 days prior to the actual send date of the letter to ensure there is enough processing time at the mail house. Final scrubs are conducted to look for changes in account status, such as in Mr. [redacted]’s case. However, if the status change occurs too close to the send date there is chance that a small number of accounts with late status changes receive marketing letters. That appears to be the case here.
Please note, although his submission indicates he spoke with Midland Credit on January 21, 2015, there is no indication Midland Credit has spoken with Mr. [redacted] since April 12, 2013. Regardless, he may disregard the letter sent January 9, 2015. As indicated above, Mr. [redacted] has no further financial obligation on the above-referenced account.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) [redacted] ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted] Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Dear Ms. [redacted]:
size="3">Thank you for your letter inquiry
regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
June 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 March 25, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated
on January 3, 2008 as a [redacted]. residential
telephone
account number ending in [redacted], in the name of [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 4, 2011. The balance at the time of purchase was $222.45.
Ms.
[redacted] requests Midland Credit delete this account from her credit
report. Please note that Midland Credit stopped
credit reporting this account in May 2014. If Ms. [redacted] still believes that Midland Credit
is reporting its tradeline on her credit report, she is encouraged to call Midland
Credit’s Consumer Support Services team at [redacted] ext. [redacted].
Ms.
[redacted] writes that she disputes and requests validation of her account. On May 3, 2013, Midland Credit mailed Ms.
[redacted] a validation letter, which informed her that Midland Funding had
acquired the account, and of her rights pursuant to the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
The letter was not returned as “undeliverable” by the United States
Postal Service, satisfying the notification requirements of the FDCPA. 15
U.S.C. § 1692.
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from Ms. [redacted] in response to
the letter. In fact, no correspondence
was received directly from Ms. [redacted] prior to the complaint filed through
your office, which cannot be considered timely.
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact Ms. [redacted] and collect the debt.
If
Ms. [redacted] is ready to resolve the above-referenced debt, Ms. [redacted] may
qualify for a reduction in her account balance.
Please have Ms. [redacted] call Account Manager [redacted] at [redacted] ext. [redacted] to assist her in reaching a resolution of the account
balance.
In
the meantime, per Ms. [redacted]’s request for all communication
to be in writing, the above-referenced account has been marked “Direct
Mail Only.” Ms. [redacted] will no longer receive phone calls from Midland
Credit representatives and all correspondence will be sent via the United
States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms. [redacted]’s.
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am requesting Midland Funding provide a copy of the documentation sent to the wrong address through the Revdex.com website for further review.
Regards,
[redacted]
Dear [redacted]:
font-family: 'Times New Roman';">Thank you for your letter inquiry dated March 5, 2014,
regarding [redacted] complaint, which Midland Credit Management, Inc. (hereinafter “Midland
Credit”) received the same
day via E-mail.
Midland Credit appreciates the opportunity to answer your questions.
An investigation of
this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC
(hereinafter “Midland Funding”), on September 15, 2011. Information provided by the seller, [redacted] at the time of acquisition indicates this account was
originated on July 10, 2007 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was
charged-off as an unpaid delinquent-debt on December 7, 2008. The balance at the time of purchase was $323.96.
A review of Midland
Credit’s business records indicates that shortly after Midland Funding acquired
the above-referenced account, on September 26, 2011, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired
the account, and of his rights pursuant to the Fair Debt Collection Practices
Act (15 U.S.C. § 1692 et seq.) (“FDCPA”). Please note that the letter was mailed to the
same address listed within [redacted] complaint via the United States Postal
Service, and was not returned as “undeliverable” – satisfying the requirements
set forth within the FDCPA.
Midland Credit’s
business records further indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to the
letter. In fact, no correspondence was
received from [redacted] prior to the complaint filed through your office, which
cannot be considered timely.
The FDCPA specifically
states that, unless a consumer provides a debt collector with notice of such a
dispute within 30 days of receiving the initial validation letter, “the debt
will be assumed to be valid by the debt collector.” (15 U.S.C. § 1692g(a)(3).) Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact [redacted] and collect the debt.
[redacted] expresses a
concern that he was advised by a Midland Credit representative that Midland
Credit would remove its tradeline from his consumer credit files upon settling
the account balance. A review of Midland
Credit’s business records indicates [redacted] had multiple telephone
conversations with Midland Credit representatives in which [redacted] requested the
removal of Midland Credit’s tradeline upon payment. Each time, the representatives advised [redacted] that Midland Credit’s policy does not allow the removal of a paid account.
While Midland Credit
is pleased that it was able to assist [redacted] in reaching a resolution which
settled the balance for the above-referenced account, please note that it is
Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records
indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection
account.” If Midland Credit were to
delete the account, its correct and accurate status would not be reflected.
With
that said, Midland
Credit stands ready to assist [redacted] in clearing his record and providing a
refund if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit
respectfully requests that [redacted] provide it with a copy of a police report
showing that he reported the fraudulent activity. He may forward the appropriate documentation
to Consumer Support Services at the address on this letterhead.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at [redacted] should you have any further
questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have already supplied this company and [redacted] the proof that this is not my debt. [redacted] was also sent a copy of the papers filed and recognizes that the debt was not mine I am not going to provide it again. I did what I was asked to do. Now I will let my attorney handle this and I will contact the media about this. I am tired of these collection companies bullying people. I am a victim and I am not going to let this company ruin my credit after they were sent a copy of the report that I filed. This debt will me taken off my credit report.
Regards,[redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
January 13, 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 January 12, 2015. [redacted] writes that he has never received
any communication in writing from Midland.
Midland Credit maintains its position that it sent separate and unique
validation letters to [redacted] for the above referenced accounts on April 27,
2012. The letters were not returned as
“undeliverable” by the United States Postal Service. Subsequently, Midland Credit mailed several
letters to [redacted] in an effort to resolve the account balances and in
response to his dispute notices, none of which were returned as “undeliverable”
by the United States Postal Service.
[redacted] also writes that Midland Credit is reporting incorrect dates of first
delinquency. Information provided by the
seller of the above-referenced accounts, [redacted]., indicates that
[redacted] made a final payment towards account no. [redacted] on May 20, 2010,
and toward account no. [redacted] on April 7, 2010.
As
stated in its previous response, Midland Funding, LLC purchased the
above-referenced accounts on or about April 2, 2012. Midland Credit maintains its position that it
does not alter or modify any of the original account information provided by
the seller, such as 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. As such, Midland Credit must respectfully conclude
that it reflects the accurate dates of first delinquency.
Additionally,
[redacted] expresses concern regarding the nomenclature that appears on his
consumer credit files. Although Midland Credit submits updates to the reporting
agencies each month, Midland Credit does not report accounts as “120 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.”
[redacted] is encouraged to communicate directly with the credit bureaus should he
have any further concerns about the nomenclature that Midland Credit is
compelled to use in credit bureau reporting.
In addition, if [redacted] obtained his credit report from a compilation
source, the information being reported may appear to vary. The credit bureaus have advised that it
appears this way because they do not directly populate the fields on credit
reports pulled from any source other than directly from the credit bureau
itself.
Based
on the information provided by the seller, Midland Credit has again determined
that its credit file and credit reporting of the above-referenced accounts are
accurate. Midland Credit will be closing
its investigation of [redacted]’s dispute and will be resuming regular collection
activities as allowed by the [redacted] Finance Code and/or the Fair Credit
Reporting Act.
The
above-referenced accounts will continue to remain marked “Direct Mail
Only.” While they remain due and owing, [redacted] will continue to not
receive phone calls from Midland Credit representatives and all correspondence
will be sent via the United States Postal Service.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered
In-House Counsel in California
[redacted]
Dear [redacted]
Roman">Thank you for your letter inquiry
regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
October 22, 2015. Midland Credit appreciates the opportunity to
answer your questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on March 18, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates
this account was originated on March 11, 2012 as
a [redacted] credit card account
number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on January 6, 2014. The balance at the time of purchase was $484.39. Final payment on the account was received by
Midland Credit on July 9, 2015.
[redacted] has no further financial
obligation for this account.
[redacted] expresses concern that the above-referenced account is reporting as “120
days or more than four payments past due” on his consumer credit files. Although Midland Credit submits updates to
the reporting agencies each month, Midland Credit does not furnish information
that accounts are “120 days or payments past due” to the credit reporting
agencies. Depending on the current
condition of a given account, Midland Credit will furnish an 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 the account information it is furnishing to the three major credit
reporting agencies is accurate.
[redacted] is encouraged to communicate directly with the credit bureaus should he
have any further concerns about the nomenclature that Midland Credit is
compelled to use. In addition, if [redacted]
obtained his credit report from a compilation source, the information being
reported may appear to vary. The credit
bureaus have advised that it appears this way because they do not directly
populate the fields on credit reports pulled from any source other than
directly from the credit bureau itself.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted]..
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Thanks for your continued support, I have reached out to [redacted] in the event reaching a settlement offer, however the initial credit line was $300 and with interest and fees I was told the account is up to $1800 now, it is obscure on my behalf coming close to making a settlement offer anywhere close to that amount, I did however set out a figure in the amount of $1000 but I was told I would have to come up in full if offer was accepted, I cannot come up with $1000 in full, not in these times and was looking forward to a break up in payments after offer is accepted. I don't like he fact I'll be loosing money and paying for a account I already did but shame on me for not keeping my proof, none the less willing to stop this financial nightmare before it end up costing me way more in the future. I am hoping to reach a settlement with them and one that is doable and acceptable in the event the Payments have to be broken up.
Regards,
[redacted]
Dear [redacted]
Thank you for...
your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 3, 2016. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that [redacted] has retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his accounts accordingly
An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] for which it is furnishing information to the credit reporting agencies. Midland Credit became the servicer of accounts no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 15, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 23, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, 2012. The balance at the time of purchase was $1,278.49.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 15, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 2, 2012. The balance at the time of purchase was $717.27.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 15, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 30, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, 2012. The balance at the time of purchase was $1,476.73.
[redacted] expresses a concern that he mailed a validation request via certified mail to Midland Credit on March 9, 2016, and did not receive a response. Midland Credit mailed [redacted] separate and unique validation letters – on September 23, 2015 for account no. [redacted], on November 4, 2015 for account [redacted], and on November 20, 2015 for account [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debts Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. A review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation from [redacted] on May 12, 2016. Enclosed with the correspondence that was received at that time was a previous letter from [redacted] dated March 9, 2016. The attached return receipt listed the recipient as “Midland Financing LLC, PO Box 101928, Birmingham, AL 35210.” Please note, Midland Credit is not affiliated with Midland Financing LLC or the corresponding address to which [redacted] former letter had been mailed. As a result, the letter was not received.
In [redacted] correspondence which was received on May 12, 2016, he referenced an original account number ending in [redacted], which corresponds to Midland Credit account no. [redacted]. Please note that Midland Credit had already opened an investigation for the account in response to a notice of possible dispute received from the credit reporting agencies on March 31, 2016.
In response to the notice, Midland Credit mailed [redacted] a letter on April 22, 2016, advising him of the investigation and stating that the appropriate documentation had been requested. Once the documentation was received, Midland Credit mailed a subsequent letter to [redacted] on June 20, 2016, which provided the identifying account information, advised that the credit reporting agencies had been requested to update the status of the account to “disputed,” and requested additional information regarding the dispute. Additionally, verification information provided by the seller was enclosed for the account.
In regards to account no. [redacted], Midland Credit mailed [redacted] a letter on May 20, 2016, advising that its records for the account were accurate, that the credit bureaus had been notified to continue reporting the account as disputed, and requested additional information regarding [redacted] claim. Midland Credit also provided the verification information from the seller along with the letter.
Although verification information provided by the seller was mailed to [redacted] in response to his disputes at those times, a copy of that documentation is again enclosed for his records. Please note that a copy of the verification provided by seller for account no. [redacted] is also enclosed. The verification information provided by the sellers meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.
[redacted] expresses an additional concern that he previously called Midland Credit and attempted to resolve the above-referenced accounts for 25% of each account balance. As described in the complaint, [redacted] also questions the alleged conduct of certain Midland Credit employees during the call. Please note that Midland Credit representatives have strict guidelines they must adhere to when offering and accepting payment offers.
Due to those guidelines, Midland Credit was unable to accept [redacted] repayment offer. Additionally, the alleged conduct described by [redacted] is being investigated. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner.
If [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in his account balances. Please have [redacted] or his attorney call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances.
In the meantime, per [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing. With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
April 14, 2016
MARGIN: 0in 0in 0pt">
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 6, 2016. Midland Credit appreciates the opportunity to answer your questions.
[redacted] expresses a concern that she has been receiving calls on her cell phone, and states she does not know the person they are asking for. Please note, based on the phone number[redacted] that [redacted] provided in the complaint to your office, Midland Credit is unable to locate an account where a Midland Credit representative has contacted her. If [redacted] has received calls from Midland Credit representatives at any numbers other than the one she provided, or if she can provide documentation listing the calls she has received, she may call Midland Credit’s Consumer Support Services team at[redacted] to provide such information so the matter may be investigated further.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Dear [redacted]:
Roman';">
Thank you for your letter inquiry dated April 9, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on August 28, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 16, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 29, 2010. The balance at the time of purchase was $1,076.66. Final payment on the account was received on June 19, 2013. [redacted] has no further financial obligation for this account.
[redacted] expresses concern that she is still receiving calls from Midland Credit after resolution of the debt. A review of Midland Credit’s business records indicates that payment was received on June 19, 2013. Due to an administrative oversight, the payment was not processed as a settlement when it was received. The account now reflects a $0 balance. [redacted] has no further financial obligation.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
After making payment arrangements in April on a balance due, the contract "voided" because they (Midland Credit Mgmt Inc) say they received the payment after the date due because at their fault (or on purpose?!?) my mail payment was opened after payment due date! And I get the blame! The money order sent by me was gotten and mailed to the company 10 days before the payment due date! Payment was due by April 30th, the money order was gotten and mailed April 20th. Are they going to keep doing this every month so they can say I "voided" the contract thus giving them another opportunity to continue adding more money on my balance due?!? Big business and their dirty tricks to even rob you more!! No ethics! Criminal!
Dear [redacted]:
font-family: 'Times New Roman';">Thank you for your letter inquiry dated September 2, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
the same day via E-mail. Midland Credit appreciates the opportunity to
answer your questions.
[redacted] expresses a concern that she had filed a complaint previously with the Consumer
Financial Protection Bureau (“CFPB”) but had not received a response. A review of Midland Credit’s business records
indicates she did file a similar complaint through the CFPB which Midland
Credit received on November 20, 2013. Midland
Credit sent a response to the CFPB on December 4, 2013 and a
copy of that letter is
enclosed.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on September 29, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates
this account was originated on January 5, 2007 as
a [redacted] account number
ending in 2175, in the name of [redacted],
under the last four of the social security number [redacted]. Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 2, 2009. The balance at the time of purchase was $1,353.18.
[redacted] expresses a concern that her validation requests have been
ignored. On November 7, 2011, Midland
Credit mailed [redacted] a validation letter, which informed her that
Midland Funding had acquired the account, and of her rights pursuant to the
Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
Please note that the letter was mailed to [redacted] via the United
States Postal Service, and was not returned as “undeliverable” – satisfying the
requirements set forth within the FDCPA.
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to
the letter. A review of Midland Credit’s
business records indicates that it received notice from the credit reporting
agencies of a possible dispute on or about October 10, 2013. However, Midland Credit did not receive the
first correspondence requesting validation directly from [redacted] until
November 5, 2013, which cannot be considered timely.
The
FDCPA specifically states, unless a consumer provides a debt collector with
notice of such a dispute within 30 days of receiving the initial validation
letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact [redacted] and collect the debt.
While
the request was not timely, verification information provided by the seller was
mailed to [redacted] on October 14, 2013 in response to her dispute. A copy of the verification information
provided by the seller is enclosed within the previous response to the CFPB. Please note that the verification information
provided by the seller meets the requirements of the FDCPA. The original contract, complete payment
history, and a full set of billing statements are not required under the FDCPA.
Chaudhry v. Gallerizzo, 174 F.3d 394
(4th Cir. 1999).
A
review of Midland Credit’s business records indicates that it is accurately
reporting the above-referenced account to the three major credit reporting
agencies. If [redacted] is ready to
settle this debt, she may qualify for a reduction in her account balance. Please have [redacted] call Midland Credit
Account Manager [redacted] at [redacted] to help settle this
account balance.
In
the meantime, while [redacted] was advised in Midland Credit’s December 2013
response to the CFPB that the above-referenced account had been marked “Direct
Mail Only” and she would no longer receive phone calls from Midland Credit
representatives, the account was in fact marked at that time as “Cease and
Desist” and Midland Credit ceased all attempts to contact [redacted]
accordingly. The above-referenced
account remains due and owing, though [redacted] will continue to not
receive correspondence or calls from Midland Credit representatives unless a
response is required by law.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Enclosure
March 1, 2016
Roman">
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 16, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 18, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 26, 2011, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on May 2, 2012. The balance at the time of purchase was $763.52.
[redacted] expresses a concern that she has not had a credit card for over 15 years. On June 29, 2012, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it began receiving notices of possible dispute from the credit reporting agencies in October 2012. Midland Credit’s business records further indicate that it received the first correspondence requesting validation from [redacted] on September 30, 2015.
Midland Credit has appropriately responded to the disputes it has received regarding this account. With that said, verification information provided by the seller has been sent to [redacted] in response to disputes, most recently on November 9, 2015. Another copy of that information is enclosed for [redacted]’s records.
Please note that the verification information provided by the seller meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999). A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
[redacted] indicates that her identity has been compromised by family members on two occasions. Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized.
[redacted] can also contact Midland Credit online at [redacted], where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead.
Per [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
May 6, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 22, 2016. Midland Credit appreciates the opportunity to answer your questions. Please note that Midland Credit provided all of the account identifying information in its previous letter response to your office dated April 20, 2016.
[redacted] states that she has reviewed Midland Credit’s response to her initial complaint. [redacted] advised that Midland Credit’s actions would not resolve her complaint. However, in review of [redacted]’s recently received complaint, she did not provide any details regarding why she was not satisfied with Midland Credit’s resolution. Without [redacted] providing further details regarding the reason of her continued dispute, Midland Credit stands by its previous response.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
April 11, 2016
MARGIN: 0in 0in 0pt">
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted] & [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 28, 2016. Midland Credit appreciates the opportunity to answer your questions.
Please note, [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”), case no. [redacted]). Midland Credit sent a response to [redacted] through the CFPB dated April 4, 2016, a copy of that response is enclosed for your reference.
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted]. Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 25, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 7, 2009, as a [redacted]/[redacted],[redacted]. credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 13, 2012. The balance at the time of purchase was $2,974.76.
A review of Midland Credit’s business records indicates that on March 3, 2013, this account was placed with [redacted] [redacted] (“[redacted]”). [redacted] advised that suit was filed on April 18, 2013 and a judgment was entered on July 12, 2013. A copy of the judgment is enclosed in the attached response to the CFPB.
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, on March 29, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 6, 2003, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 2, 2012. The balance at the time of purchase was $11,631.44.
[redacted] is requesting validation on the above referenced accounts. Please note, Midland Credit mailed [redacted] separate and unique validation letters – on September 30, 2012, for account number [redacted], and on April 10, 2013, for account number [redacted]. These letters informed [redacted] that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debts or requesting validation from [redacted] in response to the letters. A review of Midland Credit’s business records indicates that it received the first notification of a possible dispute from the credit reporting agencies on or about January 3, 2015 for account numbers [redacted] and [redacted].
In response to the notices of possible disputes received on account number [redacted], Midland Credit mailed [redacted] a copy of the verification information provided by the seller on January 21, 2015, September 9, 2015, and February 26, 2016. A copy of the verification information provided by the seller is enclosed in the attached response to the CFPB.
Please note, upon receipt of [redacted] complaint for account number [redacted], Midland Credit acknowledged her current dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt. Once Midland Credit has obtained verification of the debt, a copy will be forwarded to [redacted] through the Revdex.com (“Revdex.com”) and CFPB. Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide you with verification of the debt.
[redacted] is also stating that Midland Credit is reporting an inaccurate debt and re-aging the accounts monthly. While Midland Credit is sensitive to [redacted] concerns, 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 furnishes account information on the accounts it services based on the business records maintained by the original lender/seller. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
In regards to account number [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution. The firm may be reach be reached at [redacted] Their phone number is [redacted]
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Dear Ms. [redacted]:
0in 0in 0pt;" class="MsoNormal">
Thank you for your letter inquiry dated June 10, 2014, regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 29, 2009. Information provided by the seller, Citibank (South Dakota), N.A., at the time of acquisition indicates this account was originated on February 25, 2005 as a [redacted] MasterCard account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 11, 2009. The balance at the time of purchase was $1,977.49.
Ms. [redacted] expresses a concern that her validation requests have been ignored. A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on October 7, 2009, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692 et seq. Please note that the letter was mailed to the same address listed within Ms. [redacted]’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms. [redacted] in response to the letter. A review of Midland Credit’s business records indicate that it received the first correspondence requesting validation from Ms. [redacted] on February 19, 2010, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt.
A review of Midland Credit’s business records indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
If this is my account I do not understand the issue of showing the signature in the account. I have stated numerous times to the company & request numerous times only for them to give me the run around as they are doing now. Refusing to show the signature to verify who signed. I have stated over & over it was not me. Futhermore I have never received mail to my present address from midland. They stated my parent's address I did not give them then how did they receive that address. Again to resolve this once and for all just show the signature. Regards,[redacted]