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.
Some of the very first words I spoke to [redacted] were, "I want to get this paid and removed from my credit report." To which she replied, "I'd be glad to help you with that today, sir." She later went into some spiel about it showing as Paid in Full for the time being (a short time) but that I could contact Midland and easily have it removed since I was paying IN FULL. I could have paid ~40 percent of the debt if I just wanted it listed as Settled or Paid in Full. Regarding the aforementioned lawsuit, I was not served with a summons, so I'm unaware of any suit that was supposedly filed or not filed. I wouldn't mind seeing the suit's contents to see if it was robo-signed like thousands of other suits by Midland have been. However, I have sent an intent to sue letter to the company for SEVERAL inaccurate reporting offenses to the three bureaus for separate offenses regarding the harm they've done to my credit report, and by extension, my credit. I just want the trade line removed from my credit reports. The company can either spend big bucks defending themselves in court over a $736 debt that has been PAID, or they can simply remove it from my reports. The choice is theirs.
The company's final response to this letter will determine whether I go forward with the suit. If the response is anything other than a full removal from the credit bureaus' files, then I will file suit within three business days of the reply. I am awaiting a response, and I hope it's a favorable one. If not, they should prepare to send their legal team to rural [redacted], or they'll be facing a default judgment like the thousands of default judgments they receive on a regular basis. I will also file formal complaints with the [redacted] Office of the Attorney General Consumer Protection Division and the FTC at that time.
Regards,
[redacted]
Dear [redacted]
12pt;">
Thank you for your letter inquiry dated May 8, 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 July 31, 2013. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, 2009, 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 September 14, 2012. The balance at the time of purchase was $1,062.48. The full balance due as of May 20, 2014, including payments submitted, is $662.56.
While not the only item of concern identified within [redacted] complaint, she writes that while she has been submitting bi-weekly payments of $49.99, the balance of the account remains at $662.56. A review of Midland Credit’s business records indicates that on November 25, 2013, settlement was agreed to in which a total of $849.99 was to be made in bi-weekly payments of $49.99. After the first payment was made, on December 13, 2013, the repayment plan was cancelled in favor of a new arrangement, in which a total of $799.84 was to be repaid, with $99.98 down payment, and $49.99 bi-weekly payments.
To date, a total of $349.93 has been made towards the $799.84 agreement. While the $662.56 is the full balance remaining, [redacted] only has $449.91 left on her settlement. Had the settlement balance been paid, the remaining balance on the account would have been reduced to zero. However, on March 20, 2014, [redacted] cancelled the repayment plan after she was unable to submit the payment for March.
Aside from the above, [redacted] also writes that when she tried to pay off the remaining balance on her settlement, the Midland Credit account manager would not accept the payment. Please note, that in order to protect consumers from double payments, Midland Credit’s system prevents an account manager from running a second credit card charge on the same account within 24 hours of a previous charge. A review of Midland Credit’s business records indicates that on February 7, 2014, [redacted] and her daughter called Midland Credit wanting to pay the remaining balance of the settlement. The account manager appropriately informed them that since the $49.99 payment due that day had been charged earlier in the day, the system could not process another payment. Midland Credit subsequently attempted to follow-up with [redacted]’ daughter, who was the authorized payer on the account, but could not reach her.
While the settlement plan was previously voided, Midland Credit is willing to re-engage her previous plan. The account has been referred to Account Manager [redacted] If [redacted] wishes to re-engage her repayment plan for the remaining $449.91, please have her call [redacted] at [redacted] to discuss repayment options.
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]
[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] and [redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 23, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] submitted a previous complaint through your office to which Midland Credit responded on April 20, 2015. The details of [redacted]’s account were included in that response.
[redacted] expresses a concern that Midland Credit has not verified the debt. Midland Credit mailed [redacted] separate and unique validation letters – on or about October 17, 2009, for account no. [redacted], and on or about January 10, 2012, for account no. [redacted]. In the letters, Midland Credit informed [redacted] that Midland Funding, LLC (“Midland Funding”) had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 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 from [redacted] in response to those letters or pursuant to the [redacted] Finance Code. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 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.
Copies of the verification information provided by the seller are enclosed for the above-referenced accounts. 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).
With that said, if [redacted] is ready to resolve the debts, [redacted] may qualify for a reduction in the account balances. Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist in reaching a resolution of the account balances.
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate. Midland Credit will be closing its investigation of [redacted]’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
Dear [redacted]
:
0in 0pt;" class="MsoNormal">
Thank you for your letter inquiry dated April 29, 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, MRC Receivables Corporation (hereinafter “MRC”), on November 30, 2001. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on May 5, 2000 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 17, 2001. The balance at the time of purchase was $4,827.92.
A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on December 3, 2001, Midland Credit mailed [redacted] a validation letter, which informed her that MRC 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. In fact, no correspondence was received from [redacted] prior to the complaint 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.
When a resolution could not be reached, a review of Midland Credit’s business records indicates that on July 19, 2003, this account was outsourced to the law firm of [redacted], located at [redacted] Their telephone number is [redacted] Judgment was subsequently awarded against [redacted] on December 23, 2003, a copy of which [redacted] also enclosed within her complaint.
The account was subsequently recalled, and on October 27, 2010, was outsourced to the law firm of [redacted] located at [redacted]. Their telephone number is [redacted] A copy of [redacted]’ complaint was forwarded to [redacted]r for review.
While not the only item of concern identified within her complaint, [redacted] questions the alleged conduct of a certain [redacted] employees she spoke to, stating the representative was “nasty and disrespectful,” and later changed their tone of voice and spoke to her normally “as if nothing ever happened.” Please note that the alleged conduct described by [redacted] has been investigated, and the representative [redacted] was not rude or disrespectful towards [redacted]. The representative answered [redacted]’ questions correctly, and maintained the same tone throughout the call.
Aside from the above, [redacted] also alleges that during the call, the [redacted] employee provided her with false information regarding the account. An investigation also indicates that this allegation is false. During the call, [redacted] asks the representative how long can they “go after an account,” the representative correctly informed [redacted] that the time period would be 20 years if a judgment was entered. [redacted] responded that she knew what the law was, and that it was only 7 years, which is not accurate.
[redacted] also alleges that the [redacted] representative advised her that the Statute of Limitations for suit on the account was 23 years. A review of the call also indicates that this is untrue. During the call, the [redacted] representative advised [redacted] that a Judgment in the state of New York is valid for 20 years. The representative also advised [redacted] that in her case, the Judgment would remain valid until 2023, because the Judgment was awarded in 2003. It appears [redacted] misunderstood the information the representative provided her with.
A review of Midland Credit’s business records indicates that the Statute of Limitations for suit expired on or about July 21, 2006. However, please note that the passing of the Statute of Limitations does not extinguish the validity of the debt, rather, it eliminates the legal cause of action. As referenced above, the Judgment was awarded in 2003, well within the Statute of Limitations. The Judgment awarded against [redacted] remains valid.
In addition, a review of business records indicates that the seven-year Federal Reporting period for credit reporting on the above-referenced account expired July of 2007. However, this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies by MRC Receivables. The account still remains collectible, due and owing. Further, the judgment may be reporting to [redacted]’ credit bureau as a public record.
[redacted] further states that a lien was placed on her daughter’s account. [redacted] have advised that a bank restraint was sent to [redacted] The account, which is still restrained, is not solely in [redacted]’ daughter’s name, nor is it a trust account. The account has been identified as a joint savings account in the name of both [redacted] and a third party (presumably [redacted]’ daughter). The bank would not have restrained the account had it been a trust account or if [redacted] was not either the sole or joint owner of the account.
Finally, [redacted] writes that [redacted] ignored a “Cease & Desist” request, and mailed her correspondence. [redacted] have advised that during a telephone conversation with [redacted] on March 31, 2014, [redacted] requested validation of the debt, and in response, [redacted] mailed [redacted] a copy of the Judgment later that day. A review of their business records indicates that they received the first “Cease & Desist” request from [redacted] on April 7, 2014. A review of their business records also indicate that no communication with [redacted] has occurred since the Judgment was mailed to [redacted] on March 31, 2014.
Based on the information above, both Midland Credit and [redacted] have acted timely and appropriately pursuant to applicable law. Midland Credit encourages [redacted] to continue to work with [redacted] to assist in reaching a positive resolution.
In the meantime, the account will remain marked as “Cease & Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit or [redacted] 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 our Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Senior Corporate Counsel, Legal Affairs and Compliance
*Admitted in Minnesota, North Dakota, South Dakota and Wisconsin, Not Admitted in California
[redacted]
November 17, 2014
0in 0pt" class="MsoNormal">
VIA E-Mail
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of Billy [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry dated November 3, 2014, regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 23, 2013. Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on June 12, 2008, as a [redacted] cellular account number ending in [redacted], in the name of B[redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 29, 2012. The balance at the time of purchase was $109.73. Final payment on the account was received on October 27, 2014. Mr. [redacted] has no further financial obligation for this account.
Mr. [redacted] questions whether the account is collectible due to the expiration of the statute of limitations. A review of Midland Credit’s business records indicates that the statute of limitations does not expire until October 27, 2018. However, the passing of the statute of limitations does not extinguish the validity of the debt. Rather, it eliminates litigation as a potential remedy.
Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt. It only prevents the account from being reported to the credit reporting agencies. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for this account does not expire until March 2019.
Mr. [redacted] also questions the alleged conduct of certain Midland Credit employees. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Mr. [redacted] states that when he called to settle the account, the representative refused to accept payment. Please note that the alleged conduct described by Mr. [redacted] has been investigated.
On October 27, 2014, due to a previous communication restriction requested by Mr. [redacted], the Midland Credit representative was unable to transfer the account to an Account Manager to take payment and ownership of the account. Mr. [redacted] was advised to send a letter authorizing the removal of the restriction. That same day, Midland Credit received Mr. [redacted]’ faxed letter and the communication restriction was removed. Mr. [redacted] subsequently settled the account, and thus has no further financial obligation for this account.
Furthermore, Mr. [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist Mr. [redacted] in reaching a resolution which settled the balance of his account, it is Midland Credit’s policy to report all accounts accurately. Midland Credit is accurately reporting the account as “Account paid in full, was a collection account” with an additional memo which states, “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 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
Roman">Thank you for your letter inquiry regarding
Mr. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
June 11, 2015. Midland Credit appreciates the opportunity to
answer your questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on April 21, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was
originated on February 27, 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 March 5, 2015. The balance at the time of purchase was $1,042.24.
Mr.
[redacted] expresses a concern that Midland Credit is calling him on an account
that he states has previously been closed and that his validation requests have
been ignored. On May 29, 2015, Midland
Credit mailed Mr. [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 Mr.
[redacted] at the same address listed within his complaint, and 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 Mr. [redacted] in response to the
letter. The FDCPA specifically states
that, unless a consumer provides a debt collector with notice of such a dispute
within 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 Mr. [redacted] and collect the
debt. A copy of the verification
information provided by the seller is enclosed for Mr. [redacted]’ records.
Consumers
are often unclear as to what the term “charge-off” means for a debt. When a creditor "charges-off" an
account, it means that the creditor no longer believes the consumer will pay
the bill and has written the debt off of its books. Often, they then sell the debt to a
collection agency. Please note that the
underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right
to legally seek repayment of the promissory obligation, the new third-party
purchaser has the right to repayment of the credit account. The above-referenced account remains
collectible, due and owing to Midland Credit.
If
Mr. [redacted] still has reason to believe that this account was previously
resolved, he can contact us online at [redacted], where he can email questions to a [redacted]) specialist, find the answers to frequently asked questions, and
upload documents to support his/her request. Uploaded documents are
automatically sent to a [redacted] specialist, who will investigate the consumer’s
question and mail back a response. Or Mr.
[redacted] may forward appropriate documentation to [redacted] using the contact
information on this letterhead.
Mr.
[redacted] also states that he has never given out his cell phone number. Please note that to ensure that it has the
most up to date consumer information, Midland Credit relies on consumer data
provided by third-party vendors. After
reviewing the account, it appears that a third party vendor provided Mr.
[redacted]’s cell phone number. Relying on
that information, Midland Credit updated its records and attempted to contact
Mr. [redacted] using that phone number.
Mr.
[redacted] also states that when Midland
Credit contacted him, the caller would not let him talk and states the caller
kept bothering him. Midland Credit
reviewed its records made to the cell phone number that was provided within the
complaint. After a review of Midland
Credit’s business records, it does not appear that anyone answered the calls
made to that number. If Midland Credit
has called Mr. [redacted] at a different number or he believes that he did in fact
speak to a Midland Credit representative, please call Midland Credit’s Consumer
Support Services team at [redacted] ext. [redacted] to provide additional
information to assist in the investigation.
Midland
Credit sincerely apologizes for any inconvenience this has caused Mr. [redacted]. The above-referenced account has been marked
“Direct Mail Only.” While it remains due and owing, Mr. [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 Mr. [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at should you have any further
questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
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 [redacted] I am confused over this letter, due to my brain injuries or maybe its not what I was hoping for ? , the problem will still continue to cause hardship because its my understanding the balance in question will still appear on my credit report , I am trying to have this removed for all the reasons I listed in my report ,I feel that they will dismiss it, but will they have it removed from my credit report , I am trying so hard to get back into society with good standings but midlands lien or judgment is preventing me from doing that and I feel I was wrongfully given credit etc., taken advantage of etc. with the damages I sustained and reported .please help me in this matter and help clear up the information ,as I said I really don't understand ,I just know what my credit report states. thanks so much for all you have done in this case thus far and I look forward to hearing back from you in this matter ..[redacted] I am sorry ,I have re read the letter from mid land and I still don't know what to do, because I feel as if they will continue to send out to the credit bureau that I have a delinquent account etc and I havnt gained anything ? . I really need to have this erased, removed from my credit report because like I mentioned per my first letter of complaint ,I don't see how this has solved the issue that I am fighting against .please let me know what to do next and do I check off accept or decline their offer ? thanks again and I am so sorry for the problems .
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.
It seems as though Midland did not read my original complain in it's entirety and sent me a "fill in the blanks" response to my complain, as it is CLEARLY stated in my original complain that I did not obtain my credit report from a third party or compilations source and included proof in my original complain from each of the credit bureau's of Midland's "120 days past due" and one month term loan inaccurate reporting. I obtained these reports directly from each credit bureau itself. I also stated that I had already contacted and disputed the way this account is reporting the 120 days past due, inaccurately and as a one month term loan which is also inaccurate and illegal, as Midland is not a creditor. I am disturbed at Midland's incompetence, and audacity to advice me to do all of which I had clearly sated in my original complain, I had already done.
I appreciate Midland's "encouragement to communicate" with the credit bureau's directly regarding this issue, but if Midland would have taken the time to thoroughly read and response to my individual complain instead of filling in the blanks where appropriate, they would have realized I already did all of Midland's "encouraged" actions. As it was clearly stated in the original complain. I already contacted the credit bureaus disputed the way it reports as a one month loan with 120 day lates through each bureau, yet Midland continues to validate the "one month term loan" and report 120 days past due as a one month loan, which is violates my rights.
Midland is not a creditor and therefore cannot report this account as a one month loan or a 120 days past due. This is my last attempt at resolving this matter and getting the account removed from all my credit bureau reports and the account closed, before I seek legal retributions and contact the CFPB, FTC, Attorney General, the State Senator, for violating my rights and reporting inaccurately and blaming it on everyone else. I will also not hesitate to contact the local and national media and anyone else that will listen regarding Midland's business practices and violations of my rights. It only takes a few minutes to read through all of hundreds of complains against Midland here at the Revdex.com, to realize their more then questionable business practices, willful negligence and habitually, repeatedly, deliberate violation of people's legal rights.
Regards,
[redacted]
Revdex.com:A re-statement of a company policy that is abusive to customers does not resolve the issue. As the letter states, the policy is internal and at the discretion of the company. Telling callers this is out of the company's control is a lie.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Dear [redacted]:
Roman';">
Thank you for your letter inquiry dated April 3, 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 July 27, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 18, 2008 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 16, 2009. The balance at the time of purchase was $1,226.67.
[redacted] expresses a concern that his 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 August 29, 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 [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 indicate that it received the first correspondence sent to Midland Credit requesting validation from [redacted] on February 17, 2014, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” (15 U.S.C. § 1692g(a)(3).) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact[redacted] and collect the debt.
With that said, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from [redacted] consumer credit files.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact 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 tried at every corner to get this off my credit. The police say it's to old to report. I've desputed this from the first time I knew about this. Midland credit never seems to get what I send or I never seem to get what they send. Midland has been sued many times for bad debit collections technics. So I've decided after I was told if I paid that it would be removed I paid a bill that was not mine then call to verify payment and the item would be removed and was informed no, I filed this complaint with Revdex.com. I've send written notorised statements at midland credits request... That they never get.
Now that midland credit management has started talking to me thru Revdex.com, maybe you can tell me where I can send another notorised statement yet a fourth time. Can it be done thru Revdex.com? Or sent certified mail to whom ever is talking with the Revdex.com? As I've stated at every turn. The acct was not mine. I think it was my uncle "died in late 2013". So please help me finally end the wrong info on my credit. I've even paid places to send letters to credit companies to dispute these charges. Please please help ]
Regards,
[redacted]
Dear [redacted]
lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit
Management, Inc. (“Midland Credit”) received October 7, 2015.
Midland Credit appreciates the opportunity to answer your questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on April 19, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on July 6, 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 March 12, 2012. The balance at the time of purchase was $593.24.
[redacted]
expresses a concern that there is a debt with Midland Credit on his credit
report which he did not open. [redacted] also writes that he disputed this
account with the credit bureaus yet it remains on his consumer credit files. On April 23,
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. Midland Credit received the first notice of possible dispute from
the credit reporting agencies on or about August 26, 2015. In response, Midland Credit sent [redacted]
verification information provided by the seller along with a letter requesting he
provide further information if he still believed the account information is
inaccurate.
A
copy of the verification information provided by the seller is enclosed for [redacted] records. Please note that the
verification information provided by the seller meets the requirements of the
FDCPA. The original contract, complete
payment history, and a full set of billing statements are not required under
the FDCPA. Chaudhry v. Gallerizzo,
174 F.3d 394 (4th Cir. 1999).
[redacted] expresses a desire to have the above-referenced account deleted from his
consumer credit files upon resolving the balance. Please note that it is
Midland Credit’s policy to furnish accurate account information. Should
[redacted] pay the full balance, Midland Credit will furnish information for the
account as “Account paid in full, was a collection account.”
Should [redacted] pay less than the full balance, Midland Credit will also notify
the credit reporting agencies to add an additional memo stating “Account
paid in full for less than the full balance.” If Midland Credit were
to delete the account, its correct and accurate status would not be reflected. 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] advises that the account may have been opened while he was ill by a family
friend who was caring for him. Midland
Credit stands ready to assist [redacted] in clearing his record if he has been a
victim of identity theft or fraud. If
such is in fact the case, Midland Credit respectfully requests that [redacted]
provide it with a copy of either a police report or affidavit of fraud showing
that he reported the fraudulent activity.
Please note that an affidavit of fraud can be found at
[redacted] If submitting an affidavit of fraud, [redacted]
should complete the form and have the form notarized.
[redacted] can also contact Midland Credit online at [redacted] where he can email questions to a Consumer Support
Services (CSS) specialist, find the answers to frequently asked questions, and
upload documents to support his 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.
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
Roman">Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
January 30, 2015. 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 17, 2011. Information provided by the seller, [redacted]., at the time of acquisition indicates
this account was originated on April 23, 2009, 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 February 28, 2010. The balance at the time of purchase was $1,444.64.
On March 20,
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”). 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 [redacted] in response to the
letter. A review of Midland Credit’s
business records indicates that it received the first correspondence requesting
validation from her on January 5, 2015, 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.
Midland
Credit received notification of a possible dispute through the credit reporting
agencies on April 17, 2014. Although the
request was not timely, verification information provided by the seller was
mailed to [redacted] in response to her dispute. A copy of the verification information
provided by the seller is enclosed.
[redacted] questions whether the account is collectible due to the expiration of
the statute of limitations. A review of
Midland Credit’s business records indicates that the statute of limitations
does not expire until August 28, 2015.
However, please note that the passing of the statute of limitations does
not extinguish the validity of the debt.
Rather, it eliminates litigation as a potential remedy. Suit was filed on July 22, 2011, prior to the
expiration of the statute of limitations.
Additionally, although the suit was subsequently dismissed without
prejudice on December 6, 2011, please note that such a dismissal also does not
extinguish the validity of the debt. The
above-referenced account still remains collectible, due and owing to Midland
Credit.
A
review of Midland Credit’s business records indicates that it is accurately
reporting the above-referenced account to the three major credit reporting
agencies. Midland Credit encourages [redacted] to continue to work with [redacted] to assist in reaching a positive
resolution. She may reach [redacted] at their contact information provided above.
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 of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 15, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as [redacted]. During a search for the correct consumer, [redacted]’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account. Please note that Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office.
[redacted] questions why Midland Credit representatives have not left any messages informing him of the reason for their call. Please note that Midland Credit has strict guidelines that its representatives must adhere to when leaving messages. This policy assists in preventing the inadvertent disclosure of private consumer information to third parties. Due to these restrictions, no messages were left.
[redacted]’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account. [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, [redacted]’s phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced account.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted]. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted], 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
May 6, 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 November 25, 2015. Information provided by the seller, [redacted], at the time of acquisition indicates this account originated on January 7, 2013, as a [redacted] Visa 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 April 29, 2014. The balance at the time of purchase was $1,603.25.
Ms.
[redacted] expresses concern over the payment arrangements on her account, namely
that after coming to an arrangement to resolve the balance and calling in to
make a payment, the Midland Credit representative was unable to accept her form
of payment as a one-time debit payment.
While Ms. [redacted] was offered an alternative method of payment, Midland
Credit apologizes for the inconvenience caused to Ms. [redacted]. 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 Ms. [redacted]’s form of payment.
In
keeping with Midland Credit’s Consumer-First policy, and to provide the highest
level of consumer satisfaction, Ms. [redacted]’s account has been referred to
Account Manager [redacted]. Ms. [redacted]
may call her at (800) 825-8131 ext. [redacted] to assist in reaching a resolution of
the account balance.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms. [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
Gregory Gerkin,
Esq.
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
March 11, 2015
0in 0pt" class="MsoNormal">
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 [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 26, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] writes that she recently received a check from Midland Credit, made to the spouse of a client, and requests information as to why she received the check. [redacted] also requests to know why she is listed as having power of attorney for the account.
An investigation of this matter indicates that the original issuer forwarded a payment for the account in 2010, along with documentation from [redacted] concerning the payment. Because her information was included in the documents forwarded by the original issuer, [redacted]’s contact information was mistakenly updated to the account as a Power of Attorney. Midland Credit apologizes for the inconvenience.
Regarding the check [redacted] received, a review of records indicates that the original issuer forwarded the payment to Midland Credit in error, and the payment was returned to the address on file. However, Midland Credit has now issued a stop payment on the check, and will return the payment back to the issuer. Additionally, [redacted]’s contact information has been removed from the account.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
April 26, 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] [redacted]
Revdex.com#[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 12, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
[redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account. Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced account.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted]
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Dear [redacted]
class="MsoBodyText3">Thank you for your letter inquiry
regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
December 15, 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 8, 2009. Information provided by the seller, [redacted], [redacted], at the time of acquisition indicates this account was
originated on April 27, 2007 as a [redacted] account number
ending in [redacted] in the name of [redacted] [redacted], under the
last four of the social security number [redacted] Subsequently, the account was charged-off as
an unpaid delinquent-debt on April 7, 2009. The balance at the time of purchase was $875.60.
[redacted]
expresses concern that a debt that he paid over three year ago is still active
on his credit report, and requests to have the account removed from his credit
report. A review of Midland Credit’s business records
indicates that on May 2, 2010, this
account was assigned to the law firm of [redacted] & [redacted], [redacted]
(“[redacted]”). [redacted] has advised that suit was filed on
July 21, 2010, [redacted] served on July 29, 2010, and judgment was awarded on
September 24, 2010. Ultimately, the
judgment was fully paid through a wage remittance on October 12, 2012. [redacted] further advises that a letter was
mailed to [redacted] on or about December 11, 2015, confirming that the account is
paid in full. Due to an oversight by the
courts, the Warrant of Satisfaction was not returned by the Court Officer when
the judgment was initially satisfied.
However, [redacted] contacted the Court on December 18, 2015, and
confirmed that the judgment file is reflecting as closed. Additionally, [redacted] is taking steps to
submit the Warrant of Satisfaction on [redacted] behalf.
[redacted] has no further financial obligation for the above-referenced account. Please note that Midland Credit only reports
the tradeline of the above-referenced account. In this case, Midland Credit
previously ceased reporting the tradeline. The credit reporting agencies report
the judgment as a matter of public record and do so in accordance with
applicable law. Midland Credit has no jurisdiction over the credit reporting of
any matters of public record.
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], or
[redacted] directly 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]:
margin: 0in 0in 0pt;" class="MsoNormal">
Thank you for your letter inquiry dated January 24, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received January 27, 2014 via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted].
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on November 24, 2010. Information provided by the seller, [redacted] and [redacted] at the time of acquisition indicates this account was originated on July 31, 2005 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 February 22, 2009. The balance at the time of purchase was $408.83.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 17, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 23, 2007 as a [redacted] cellular 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 4, 2009. The balance at the time of purchase was $667.83.
[redacted] expresses a concern that his validation requests have been ignored. A review of Midland Credit’s business records indicates that shortly after it acquired the above-referenced accounts, it mailed [redacted] separate and unique validation letters on December 2, 2010 for account no. [redacted], and May 22, 2011 for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.) (“FDCPA”). Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. In fact, no correspondence was received 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 of the letters, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts.
A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies as required. If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance.
With that said, [redacted] writes he was previously a victim of fraud. If [redacted] believes the above-referenced accounts are also the result of fraud, Midland Credit stands ready to assist [redacted] in clearing his record. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead.
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.
Some of the very first words I spoke to [redacted] were, "I want to get this paid and removed from my credit report." To which she replied, "I'd be glad to help you with that today, sir." She later went into some spiel about it showing as Paid in Full for the time being (a short time) but that I could contact Midland and easily have it removed since I was paying IN FULL. I could have paid ~40 percent of the debt if I just wanted it listed as Settled or Paid in Full. Regarding the aforementioned lawsuit, I was not served with a summons, so I'm unaware of any suit that was supposedly filed or not filed. I wouldn't mind seeing the suit's contents to see if it was robo-signed like thousands of other suits by Midland have been. However, I have sent an intent to sue letter to the company for SEVERAL inaccurate reporting offenses to the three bureaus for separate offenses regarding the harm they've done to my credit report, and by extension, my credit. I just want the trade line removed from my credit reports. The company can either spend big bucks defending themselves in court over a $736 debt that has been PAID, or they can simply remove it from my reports. The choice is theirs.
The company's final response to this letter will determine whether I go forward with the suit. If the response is anything other than a full removal from the credit bureaus' files, then I will file suit within three business days of the reply. I am awaiting a response, and I hope it's a favorable one. If not, they should prepare to send their legal team to rural [redacted], or they'll be facing a default judgment like the thousands of default judgments they receive on a regular basis. I will also file formal complaints with the [redacted] Office of the Attorney General Consumer Protection Division and the FTC at that time.
Regards,
[redacted]
Dear [redacted]
12pt;">
Thank you for your letter inquiry dated May 8, 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 July 31, 2013. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, 2009, 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 September 14, 2012. The balance at the time of purchase was $1,062.48. The full balance due as of May 20, 2014, including payments submitted, is $662.56.
While not the only item of concern identified within [redacted] complaint, she writes that while she has been submitting bi-weekly payments of $49.99, the balance of the account remains at $662.56. A review of Midland Credit’s business records indicates that on November 25, 2013, settlement was agreed to in which a total of $849.99 was to be made in bi-weekly payments of $49.99. After the first payment was made, on December 13, 2013, the repayment plan was cancelled in favor of a new arrangement, in which a total of $799.84 was to be repaid, with $99.98 down payment, and $49.99 bi-weekly payments.
To date, a total of $349.93 has been made towards the $799.84 agreement. While the $662.56 is the full balance remaining, [redacted] only has $449.91 left on her settlement. Had the settlement balance been paid, the remaining balance on the account would have been reduced to zero. However, on March 20, 2014, [redacted] cancelled the repayment plan after she was unable to submit the payment for March.
Aside from the above, [redacted] also writes that when she tried to pay off the remaining balance on her settlement, the Midland Credit account manager would not accept the payment. Please note, that in order to protect consumers from double payments, Midland Credit’s system prevents an account manager from running a second credit card charge on the same account within 24 hours of a previous charge. A review of Midland Credit’s business records indicates that on February 7, 2014, [redacted] and her daughter called Midland Credit wanting to pay the remaining balance of the settlement. The account manager appropriately informed them that since the $49.99 payment due that day had been charged earlier in the day, the system could not process another payment. Midland Credit subsequently attempted to follow-up with [redacted]’ daughter, who was the authorized payer on the account, but could not reach her.
While the settlement plan was previously voided, Midland Credit is willing to re-engage her previous plan. The account has been referred to Account Manager [redacted] If [redacted] wishes to re-engage her repayment plan for the remaining $449.91, please have her call [redacted] at [redacted] to discuss repayment options.
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]
May 6, 2015
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] and [redacted]
Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 23, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] submitted a previous complaint through your office to which Midland Credit responded on April 20, 2015. The details of [redacted]’s account were included in that response.
[redacted] expresses a concern that Midland Credit has not verified the debt. Midland Credit mailed [redacted] separate and unique validation letters – on or about October 17, 2009, for account no. [redacted], and on or about January 10, 2012, for account no. [redacted]. In the letters, Midland Credit informed [redacted] that Midland Funding, LLC (“Midland Funding”) had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 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 from [redacted] in response to those letters or pursuant to the [redacted] Finance Code. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 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.
Copies of the verification information provided by the seller are enclosed for the above-referenced accounts. 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).
With that said, if [redacted] is ready to resolve the debts, [redacted] may qualify for a reduction in the account balances. Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist in reaching a resolution of the account balances.
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate. Midland Credit will be closing its investigation of [redacted]’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Dear [redacted]
:
0in 0pt;" class="MsoNormal">
Thank you for your letter inquiry dated April 29, 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, MRC Receivables Corporation (hereinafter “MRC”), on November 30, 2001. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on May 5, 2000 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 17, 2001. The balance at the time of purchase was $4,827.92.
A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on December 3, 2001, Midland Credit mailed [redacted] a validation letter, which informed her that MRC 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. In fact, no correspondence was received from [redacted] prior to the complaint 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.
When a resolution could not be reached, a review of Midland Credit’s business records indicates that on July 19, 2003, this account was outsourced to the law firm of [redacted], located at [redacted] Their telephone number is [redacted] Judgment was subsequently awarded against [redacted] on December 23, 2003, a copy of which [redacted] also enclosed within her complaint.
The account was subsequently recalled, and on October 27, 2010, was outsourced to the law firm of [redacted] located at [redacted]. Their telephone number is [redacted] A copy of [redacted]’ complaint was forwarded to [redacted]r for review.
While not the only item of concern identified within her complaint, [redacted] questions the alleged conduct of a certain [redacted] employees she spoke to, stating the representative was “nasty and disrespectful,” and later changed their tone of voice and spoke to her normally “as if nothing ever happened.” Please note that the alleged conduct described by [redacted] has been investigated, and the representative [redacted] was not rude or disrespectful towards [redacted]. The representative answered [redacted]’ questions correctly, and maintained the same tone throughout the call.
Aside from the above, [redacted] also alleges that during the call, the [redacted] employee provided her with false information regarding the account. An investigation also indicates that this allegation is false. During the call, [redacted] asks the representative how long can they “go after an account,” the representative correctly informed [redacted] that the time period would be 20 years if a judgment was entered. [redacted] responded that she knew what the law was, and that it was only 7 years, which is not accurate.
[redacted] also alleges that the [redacted] representative advised her that the Statute of Limitations for suit on the account was 23 years. A review of the call also indicates that this is untrue. During the call, the [redacted] representative advised [redacted] that a Judgment in the state of New York is valid for 20 years. The representative also advised [redacted] that in her case, the Judgment would remain valid until 2023, because the Judgment was awarded in 2003. It appears [redacted] misunderstood the information the representative provided her with.
A review of Midland Credit’s business records indicates that the Statute of Limitations for suit expired on or about July 21, 2006. However, please note that the passing of the Statute of Limitations does not extinguish the validity of the debt, rather, it eliminates the legal cause of action. As referenced above, the Judgment was awarded in 2003, well within the Statute of Limitations. The Judgment awarded against [redacted] remains valid.
In addition, a review of business records indicates that the seven-year Federal Reporting period for credit reporting on the above-referenced account expired July of 2007. However, this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies by MRC Receivables. The account still remains collectible, due and owing. Further, the judgment may be reporting to [redacted]’ credit bureau as a public record.
[redacted] further states that a lien was placed on her daughter’s account. [redacted] have advised that a bank restraint was sent to [redacted] The account, which is still restrained, is not solely in [redacted]’ daughter’s name, nor is it a trust account. The account has been identified as a joint savings account in the name of both [redacted] and a third party (presumably [redacted]’ daughter). The bank would not have restrained the account had it been a trust account or if [redacted] was not either the sole or joint owner of the account.
Finally, [redacted] writes that [redacted] ignored a “Cease & Desist” request, and mailed her correspondence. [redacted] have advised that during a telephone conversation with [redacted] on March 31, 2014, [redacted] requested validation of the debt, and in response, [redacted] mailed [redacted] a copy of the Judgment later that day. A review of their business records indicates that they received the first “Cease & Desist” request from [redacted] on April 7, 2014. A review of their business records also indicate that no communication with [redacted] has occurred since the Judgment was mailed to [redacted] on March 31, 2014.
Based on the information above, both Midland Credit and [redacted] have acted timely and appropriately pursuant to applicable law. Midland Credit encourages [redacted] to continue to work with [redacted] to assist in reaching a positive resolution.
In the meantime, the account will remain marked as “Cease & Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit or [redacted] 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 our Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Senior Corporate Counsel, Legal Affairs and Compliance
*Admitted in Minnesota, North Dakota, South Dakota and Wisconsin, Not Admitted in California
[redacted]
November 17, 2014
0in 0pt" class="MsoNormal">
VIA E-Mail
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of Billy [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry dated November 3, 2014, regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 23, 2013. Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on June 12, 2008, as a [redacted] cellular account number ending in [redacted], in the name of B[redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 29, 2012. The balance at the time of purchase was $109.73. Final payment on the account was received on October 27, 2014. Mr. [redacted] has no further financial obligation for this account.
Mr. [redacted] questions whether the account is collectible due to the expiration of the statute of limitations. A review of Midland Credit’s business records indicates that the statute of limitations does not expire until October 27, 2018. However, the passing of the statute of limitations does not extinguish the validity of the debt. Rather, it eliminates litigation as a potential remedy.
Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt. It only prevents the account from being reported to the credit reporting agencies. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for this account does not expire until March 2019.
Mr. [redacted] also questions the alleged conduct of certain Midland Credit employees. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Mr. [redacted] states that when he called to settle the account, the representative refused to accept payment. Please note that the alleged conduct described by Mr. [redacted] has been investigated.
On October 27, 2014, due to a previous communication restriction requested by Mr. [redacted], the Midland Credit representative was unable to transfer the account to an Account Manager to take payment and ownership of the account. Mr. [redacted] was advised to send a letter authorizing the removal of the restriction. That same day, Midland Credit received Mr. [redacted]’ faxed letter and the communication restriction was removed. Mr. [redacted] subsequently settled the account, and thus has no further financial obligation for this account.
Furthermore, Mr. [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist Mr. [redacted] in reaching a resolution which settled the balance of his account, it is Midland Credit’s policy to report all accounts accurately. Midland Credit is accurately reporting the account as “Account paid in full, was a collection account” with an additional memo which states, “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 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]
Dear Ms. [redacted]:
Roman">Thank you for your letter inquiry regarding
Mr. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
June 11, 2015. Midland Credit appreciates the opportunity to
answer your questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on April 21, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was
originated on February 27, 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 March 5, 2015. The balance at the time of purchase was $1,042.24.
Mr.
[redacted] expresses a concern that Midland Credit is calling him on an account
that he states has previously been closed and that his validation requests have
been ignored. On May 29, 2015, Midland
Credit mailed Mr. [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 Mr.
[redacted] at the same address listed within his complaint, and 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 Mr. [redacted] in response to the
letter. The FDCPA specifically states
that, unless a consumer provides a debt collector with notice of such a dispute
within 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 Mr. [redacted] and collect the
debt. A copy of the verification
information provided by the seller is enclosed for Mr. [redacted]’ records.
Consumers
are often unclear as to what the term “charge-off” means for a debt. When a creditor "charges-off" an
account, it means that the creditor no longer believes the consumer will pay
the bill and has written the debt off of its books. Often, they then sell the debt to a
collection agency. Please note that the
underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right
to legally seek repayment of the promissory obligation, the new third-party
purchaser has the right to repayment of the credit account. The above-referenced account remains
collectible, due and owing to Midland Credit.
If
Mr. [redacted] still has reason to believe that this account was previously
resolved, he can contact us online at [redacted], where he can email questions to a [redacted]) specialist, find the answers to frequently asked questions, and
upload documents to support his/her request. Uploaded documents are
automatically sent to a [redacted] specialist, who will investigate the consumer’s
question and mail back a response. Or Mr.
[redacted] may forward appropriate documentation to [redacted] using the contact
information on this letterhead.
Mr.
[redacted] also states that he has never given out his cell phone number. Please note that to ensure that it has the
most up to date consumer information, Midland Credit relies on consumer data
provided by third-party vendors. After
reviewing the account, it appears that a third party vendor provided Mr.
[redacted]’s cell phone number. Relying on
that information, Midland Credit updated its records and attempted to contact
Mr. [redacted] using that phone number.
Mr.
[redacted] also states that when Midland
Credit contacted him, the caller would not let him talk and states the caller
kept bothering him. Midland Credit
reviewed its records made to the cell phone number that was provided within the
complaint. After a review of Midland
Credit’s business records, it does not appear that anyone answered the calls
made to that number. If Midland Credit
has called Mr. [redacted] at a different number or he believes that he did in fact
speak to a Midland Credit representative, please call Midland Credit’s Consumer
Support Services team at [redacted] ext. [redacted] to provide additional
information to assist in the investigation.
Midland
Credit sincerely apologizes for any inconvenience this has caused Mr. [redacted]. The above-referenced account has been marked
“Direct Mail Only.” While it remains due and owing, Mr. [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 Mr. [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at should you have any further
questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Enclosure
This place called my place of business to collect my debt WHILE clocked in on the job, ON MY WORK PHONE NUMBER. VERY UNPROFESSIONAL!!!
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 [redacted] I am confused over this letter, due to my brain injuries or maybe its not what I was hoping for ? , the problem will still continue to cause hardship because its my understanding the balance in question will still appear on my credit report , I am trying to have this removed for all the reasons I listed in my report ,I feel that they will dismiss it, but will they have it removed from my credit report , I am trying so hard to get back into society with good standings but midlands lien or judgment is preventing me from doing that and I feel I was wrongfully given credit etc., taken advantage of etc. with the damages I sustained and reported .please help me in this matter and help clear up the information ,as I said I really don't understand ,I just know what my credit report states. thanks so much for all you have done in this case thus far and I look forward to hearing back from you in this matter ..[redacted] I am sorry ,I have re read the letter from mid land and I still don't know what to do, because I feel as if they will continue to send out to the credit bureau that I have a delinquent account etc and I havnt gained anything ? . I really need to have this erased, removed from my credit report because like I mentioned per my first letter of complaint ,I don't see how this has solved the issue that I am fighting against .please let me know what to do next and do I check off accept or decline their offer ? thanks again and I am so sorry for the problems .
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.
It seems as though Midland did not read my original complain in it's entirety and sent me a "fill in the blanks" response to my complain, as it is CLEARLY stated in my original complain that I did not obtain my credit report from a third party or compilations source and included proof in my original complain from each of the credit bureau's of Midland's "120 days past due" and one month term loan inaccurate reporting. I obtained these reports directly from each credit bureau itself. I also stated that I had already contacted and disputed the way this account is reporting the 120 days past due, inaccurately and as a one month term loan which is also inaccurate and illegal, as Midland is not a creditor. I am disturbed at Midland's incompetence, and audacity to advice me to do all of which I had clearly sated in my original complain, I had already done.
I appreciate Midland's "encouragement to communicate" with the credit bureau's directly regarding this issue, but if Midland would have taken the time to thoroughly read and response to my individual complain instead of filling in the blanks where appropriate, they would have realized I already did all of Midland's "encouraged" actions. As it was clearly stated in the original complain. I already contacted the credit bureaus disputed the way it reports as a one month loan with 120 day lates through each bureau, yet Midland continues to validate the "one month term loan" and report 120 days past due as a one month loan, which is violates my rights.
Midland is not a creditor and therefore cannot report this account as a one month loan or a 120 days past due. This is my last attempt at resolving this matter and getting the account removed from all my credit bureau reports and the account closed, before I seek legal retributions and contact the CFPB, FTC, Attorney General, the State Senator, for violating my rights and reporting inaccurately and blaming it on everyone else. I will also not hesitate to contact the local and national media and anyone else that will listen regarding Midland's business practices and violations of my rights. It only takes a few minutes to read through all of hundreds of complains against Midland here at the Revdex.com, to realize their more then questionable business practices, willful negligence and habitually, repeatedly, deliberate violation of people's legal rights.
Regards,
[redacted]
Revdex.com:A re-statement of a company policy that is abusive to customers does not resolve the issue. As the letter states, the policy is internal and at the discretion of the company. Telling callers this is out of the company's control is a lie.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Dear [redacted]:
Roman';">
Thank you for your letter inquiry dated April 3, 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 July 27, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 18, 2008 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 16, 2009. The balance at the time of purchase was $1,226.67.
[redacted] expresses a concern that his 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 August 29, 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 [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 indicate that it received the first correspondence sent to Midland Credit requesting validation from [redacted] on February 17, 2014, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” (15 U.S.C. § 1692g(a)(3).) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact[redacted] and collect the debt.
With that said, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from [redacted] consumer credit files.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact 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 tried at every corner to get this off my credit. The police say it's to old to report. I've desputed this from the first time I knew about this. Midland credit never seems to get what I send or I never seem to get what they send. Midland has been sued many times for bad debit collections technics. So I've decided after I was told if I paid that it would be removed I paid a bill that was not mine then call to verify payment and the item would be removed and was informed no, I filed this complaint with Revdex.com. I've send written notorised statements at midland credits request... That they never get.
Now that midland credit management has started talking to me thru Revdex.com, maybe you can tell me where I can send another notorised statement yet a fourth time. Can it be done thru Revdex.com? Or sent certified mail to whom ever is talking with the Revdex.com? As I've stated at every turn. The acct was not mine. I think it was my uncle "died in late 2013". So please help me finally end the wrong info on my credit. I've even paid places to send letters to credit companies to dispute these charges. Please please help ]
Regards,
[redacted]
Dear [redacted]
lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit
Management, Inc. (“Midland Credit”) received October 7, 2015.
Midland Credit appreciates the opportunity to answer your questions.
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on April 19, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on July 6, 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 March 12, 2012. The balance at the time of purchase was $593.24.
[redacted]
expresses a concern that there is a debt with Midland Credit on his credit
report which he did not open. [redacted] also writes that he disputed this
account with the credit bureaus yet it remains on his consumer credit files. On April 23,
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. Midland Credit received the first notice of possible dispute from
the credit reporting agencies on or about August 26, 2015. In response, Midland Credit sent [redacted]
verification information provided by the seller along with a letter requesting he
provide further information if he still believed the account information is
inaccurate.
A
copy of the verification information provided by the seller is enclosed for [redacted] records. Please note that the
verification information provided by the seller meets the requirements of the
FDCPA. The original contract, complete
payment history, and a full set of billing statements are not required under
the FDCPA. Chaudhry v. Gallerizzo,
174 F.3d 394 (4th Cir. 1999).
[redacted] expresses a desire to have the above-referenced account deleted from his
consumer credit files upon resolving the balance. Please note that it is
Midland Credit’s policy to furnish accurate account information. Should
[redacted] pay the full balance, Midland Credit will furnish information for the
account as “Account paid in full, was a collection account.”
Should [redacted] pay less than the full balance, Midland Credit will also notify
the credit reporting agencies to add an additional memo stating “Account
paid in full for less than the full balance.” If Midland Credit were
to delete the account, its correct and accurate status would not be reflected. 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] advises that the account may have been opened while he was ill by a family
friend who was caring for him. Midland
Credit stands ready to assist [redacted] in clearing his record if he has been a
victim of identity theft or fraud. If
such is in fact the case, Midland Credit respectfully requests that [redacted]
provide it with a copy of either a police report or affidavit of fraud showing
that he reported the fraudulent activity.
Please note that an affidavit of fraud can be found at
[redacted] If submitting an affidavit of fraud, [redacted]
should complete the form and have the form notarized.
[redacted] can also contact Midland Credit online at [redacted] where he can email questions to a Consumer Support
Services (CSS) specialist, find the answers to frequently asked questions, and
upload documents to support his 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.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted]
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Enclosure
Dear [redacted]
Roman">Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
January 30, 2015. 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 17, 2011. Information provided by the seller, [redacted]., at the time of acquisition indicates
this account was originated on April 23, 2009, 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 February 28, 2010. The balance at the time of purchase was $1,444.64.
On March 20,
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”). 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 [redacted] in response to the
letter. A review of Midland Credit’s
business records indicates that it received the first correspondence requesting
validation from her on January 5, 2015, 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.
Midland
Credit received notification of a possible dispute through the credit reporting
agencies on April 17, 2014. Although the
request was not timely, verification information provided by the seller was
mailed to [redacted] in response to her dispute. A copy of the verification information
provided by the seller is enclosed.
[redacted] questions whether the account is collectible due to the expiration of
the statute of limitations. A review of
Midland Credit’s business records indicates that the statute of limitations
does not expire until August 28, 2015.
However, please note that the passing of the statute of limitations does
not extinguish the validity of the debt.
Rather, it eliminates litigation as a potential remedy. Suit was filed on July 22, 2011, prior to the
expiration of the statute of limitations.
Additionally, although the suit was subsequently dismissed without
prejudice on December 6, 2011, please note that such a dismissal also does not
extinguish the validity of the debt. The
above-referenced account still remains collectible, due and owing to Midland
Credit.
A
review of Midland Credit’s business records indicates that it is accurately
reporting the above-referenced account to the three major credit reporting
agencies. Midland Credit encourages [redacted] to continue to work with [redacted] to assist in reaching a positive
resolution. She may reach [redacted] at their contact information provided above.
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
January 29, 2015
New 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]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 15, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as [redacted]. During a search for the correct consumer, [redacted]’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account. Please note that Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office.
[redacted] questions why Midland Credit representatives have not left any messages informing him of the reason for their call. Please note that Midland Credit has strict guidelines that its representatives must adhere to when leaving messages. This policy assists in preventing the inadvertent disclosure of private consumer information to third parties. Due to these restrictions, no messages were left.
[redacted]’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account. [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, [redacted]’s phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced account.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted]. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted], 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
May 6, 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 November 25, 2015. Information provided by the seller, [redacted], at the time of acquisition indicates this account originated on January 7, 2013, as a [redacted] Visa 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 April 29, 2014. The balance at the time of purchase was $1,603.25.
Ms.
[redacted] expresses concern over the payment arrangements on her account, namely
that after coming to an arrangement to resolve the balance and calling in to
make a payment, the Midland Credit representative was unable to accept her form
of payment as a one-time debit payment.
While Ms. [redacted] was offered an alternative method of payment, Midland
Credit apologizes for the inconvenience caused to Ms. [redacted]. 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 Ms. [redacted]’s form of payment.
In
keeping with Midland Credit’s Consumer-First policy, and to provide the highest
level of consumer satisfaction, Ms. [redacted]’s account has been referred to
Account Manager [redacted]. Ms. [redacted]
may call her at (800) 825-8131 ext. [redacted] to assist in reaching a resolution of
the account balance.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms. [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
Gregory Gerkin,
Esq.
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
March 11, 2015
0in 0pt" class="MsoNormal">
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 [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 26, 2015. Midland Credit appreciates the opportunity to answer your questions.
[redacted] writes that she recently received a check from Midland Credit, made to the spouse of a client, and requests information as to why she received the check. [redacted] also requests to know why she is listed as having power of attorney for the account.
An investigation of this matter indicates that the original issuer forwarded a payment for the account in 2010, along with documentation from [redacted] concerning the payment. Because her information was included in the documents forwarded by the original issuer, [redacted]’s contact information was mistakenly updated to the account as a Power of Attorney. Midland Credit apologizes for the inconvenience.
Regarding the check [redacted] received, a review of records indicates that the original issuer forwarded the payment to Midland Credit in error, and the payment was returned to the address on file. However, Midland Credit has now issued a stop payment on the check, and will return the payment back to the issuer. Additionally, [redacted]’s contact information has been removed from the account.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
April 26, 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] [redacted]
Revdex.com#[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 12, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
[redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account. Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced account.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted]
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Dear [redacted]
class="MsoBodyText3">Thank you for your letter inquiry
regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
December 15, 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 8, 2009. Information provided by the seller, [redacted], [redacted], at the time of acquisition indicates this account was
originated on April 27, 2007 as a [redacted] account number
ending in [redacted] in the name of [redacted] [redacted], under the
last four of the social security number [redacted] Subsequently, the account was charged-off as
an unpaid delinquent-debt on April 7, 2009. The balance at the time of purchase was $875.60.
[redacted]
expresses concern that a debt that he paid over three year ago is still active
on his credit report, and requests to have the account removed from his credit
report. A review of Midland Credit’s business records
indicates that on May 2, 2010, this
account was assigned to the law firm of [redacted] & [redacted], [redacted]
(“[redacted]”). [redacted] has advised that suit was filed on
July 21, 2010, [redacted] served on July 29, 2010, and judgment was awarded on
September 24, 2010. Ultimately, the
judgment was fully paid through a wage remittance on October 12, 2012. [redacted] further advises that a letter was
mailed to [redacted] on or about December 11, 2015, confirming that the account is
paid in full. Due to an oversight by the
courts, the Warrant of Satisfaction was not returned by the Court Officer when
the judgment was initially satisfied.
However, [redacted] contacted the Court on December 18, 2015, and
confirmed that the judgment file is reflecting as closed. Additionally, [redacted] is taking steps to
submit the Warrant of Satisfaction on [redacted] behalf.
[redacted] has no further financial obligation for the above-referenced account. Please note that Midland Credit only reports
the tradeline of the above-referenced account. In this case, Midland Credit
previously ceased reporting the tradeline. The credit reporting agencies report
the judgment as a matter of public record and do so in accordance with
applicable law. Midland Credit has no jurisdiction over the credit reporting of
any matters of public record.
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], or
[redacted] directly 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]:
margin: 0in 0in 0pt;" class="MsoNormal">
Thank you for your letter inquiry dated January 24, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (hereinafter “Midland Credit”) received January 27, 2014 via E-mail. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted].
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on November 24, 2010. Information provided by the seller, [redacted] and [redacted] at the time of acquisition indicates this account was originated on July 31, 2005 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 February 22, 2009. The balance at the time of purchase was $408.83.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 17, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 23, 2007 as a [redacted] cellular 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 4, 2009. The balance at the time of purchase was $667.83.
[redacted] expresses a concern that his validation requests have been ignored. A review of Midland Credit’s business records indicates that shortly after it acquired the above-referenced accounts, it mailed [redacted] separate and unique validation letters on December 2, 2010 for account no. [redacted], and May 22, 2011 for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.) (“FDCPA”). Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. In fact, no correspondence was received 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 of the letters, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts.
A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies as required. If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance.
With that said, [redacted] writes he was previously a victim of fraud. If [redacted] believes the above-referenced accounts are also the result of fraud, Midland Credit stands ready to assist [redacted] in clearing his record. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead.
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]