Thank you for your letter inquiry dated July 1,
New Roman';">, regarding Mr***’s complaint,
which Midland Credit Management, Inc(hereinafter “Midland
Credit”) received
the same day via E-mail. Midland Credit appreciates the opportunity to
answer your questions
An
investigation of this matter indicates that Midland Credit is the servicer of
accounts belonging to another consumer.
During a search for the correct consumer, Mr***’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 accounts. Please note, Midland Credit had no
information that it was contacting a wrong number for the consumer until
receipt of the complaint through your office
Mr***’s phone number has been marked “Do Not Call” in
Midland Credit’s computer system for the referenced account. Mr***
will no longer receive calls from Midland Credit representatives regarding the
referenced account. Additionally, Mr***’s phone number (***) has
been added to an exclusion list to prevent it from being called in the future
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr***
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at ###-###-#### should you have any further
questions
Sincerely,
Midland Credit Management, Inc
*** ***,
Esq
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
September 2, VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***:
Thank you for your follletter inquiry dated August 19, 2014, regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all the relevant account information in its previous letter response to your office dated July 28, *** *** continues to expresses a concern that Midland Credit has not provided verification of the above-referenced debtAs previously stated, Midland Credit provided verification information by mail in response to *** ***’s May 13, correspondence, which was also enclosed in its original response to your officeThe verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”)The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999)
As described in the complaint, *** *** writes that Midland Credit’s representatives refused to speak with him because he indicated that he was going to contact a lawyerAs stated previously, the representative was unable to speak to *** *** regarding the account details as he had previously claimed to be speaking to his lawyerUpon receiving the information that consumers may be represented by counsel, representatives are not able to release information to the consumer*** *** was advised of this, and refused to send in any documentation confirming that he did not have representation prior to receipt of the complaint from your office
*** *** additionally alleges that Midland Credit continued to report the account to his consumer credit files, despite *** ***’s dispute of the account as fraudA review of Midland Credit’s business records indicates that *** *** was advised to send documentation to support his fraud claim, but *** *** initially refusedOn May 20, 2014, *** *** contacted Midland Credit and stated that he had filed a police report for identity theft with the *** Police Department, and verbally provided a case number of *** *** was advised to provide a copy of the police report or an affidavit of fraud showing that he reported the fraudulent activity. Midland Credit did not receive a copy of such police report or an affidavit of fraud as requested from *** *** and in its previous response to your officeWhile Midland Credit did not receive the requested documentation, it conducted an investigation using the information provided by *** ***, and was unable to locate such record with the *** Police Department
As previously stated, while Midland Credit did not receive the requested documentation from *** ***, and was not able to further investigate his fraud claim with the information provided, Midland Credit made the business decision to close the accountThere will continue to be no further collection activity, credit reporting, or sale of this accountThe three credit-reporting were notified to delete all reference to the account in question from *** ***’s consumer credit files
Please assure *** *** that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
April 20,
0in 0pt" class="MsoNormal">
VIA E-Mail
MsL** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# 8***
Dear *** ***:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, 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 June 28, 2012. Information provided by the seller, *** *** Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, as a *** cellular account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on September 29, 2011. The balance at the time of purchase was $3,223.49.
Ms*** expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time. Please assure Ms*** that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time. Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code. Ms***’s phone number contains an area code belonging to Yonkers, New York. Based on that information, Midland Credit attempted to contact Ms*** at times consistent with New York. All calls were placed after 8:00am and prior to 9:pm local Yonkers time.
As described in the complaint, Ms*** questions the alleged conduct of certain Midland Credit employees. Please note that the alleged conduct described by Ms*** is being investigated. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner.
Additionally, Ms*** expresses a concern that, prior to Midland Funding’s purchase of the account, a *** representative changed her phone plan without her consent, resulting in her account being forwarded to collectionsA review of Midland Credit’s business records indicate it was not advised of Ms***’s concerns with *** prior to receipt of her complaint. However, now that Midland Credit has been made aware of Ms***’s prior issues with ***, 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 Ms***’s consumer credit files
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
Gregory Gerkin, Esq
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Roman">Thank you for your letter inquiry
regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received
February 9, 2015. Midland Credit appreciates the opportunity to
answer your questions
An
investigation of this matter indicates that Midland Credit is the servicer of
an account belonging to another consumer.
During a search for the correct consumer, *** *** phone number was
provided to Midland Credit representatives by a third party. In reliance on that information, Midland
Credit attempted to contact the consumer regarding the referenced account.
Please
note, Midland Credit had no information that it was contacting a wrong number
for the consumer until a phone conversation on February 8, 2015, presumably
with *** ***. Their phone number was
marked “Do Not Call” in Midland Credit’s computer system for the referenced
account at that time. No phone calls
have been attempted to the number provided in the submission since February 8,
2015. *** *** will no longer receive
calls from Midland Credit representatives regarding the referenced
account. Additionally, *** ***’s phone
number (*** has been added to an exclusion list to prevent it from
being called in the future regarding the referenced account
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at *** *** *** *** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Dear *** ***
face="Times New Roman">Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 21, 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, *** ***, at the time of acquisition indicates this account was originated on March 28, as a *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, 2015. The balance at the time of purchase was $2,344.09. A copy of the verification information provided by the seller is enclosed for *** *** records
*** *** expresses a concern that his *** *** card was closed years ago after he paid thousands and he has not heard from *** ***. Consumers are sometimes 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. 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.
In addition, *** *** advised the most recent payment received by *** *** was in June of for the amount of $70.00, and that the current balance is due. The current balance information is reflected on the verification information Midland Credit has enclosed with this response. If *** *** believes that his payments to *** *** paid the balance in full, Midland Credit respectfully requests *** *** provide documentation or evidence which substantiates his claim. *** *** can contact Midland Credit online at *** 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. *** *** may also forward appropriate documentation to CSS using the contact information on this letterhead
*** *** indicated that he received a letter advising the account could potentially be forwarded to an attorney. There are several factors used to determine the eligibility of accounts for legal effortsAs a result, the account has been determined to be eligible for legal efforts. Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in *** ***’s area to review for possible legal efforts to collect the balance. This was an accurate statement of potential next steps to be taken on the account
*** *** also advised he read about a class action lawsuit involving Midland Credit and CPTA Regulations. Midland Credit is unable to identify the referenced CPTA class action against Midland Credit regarding *** ***’s account. If *** *** has documentation that indicates he, or his account, were included in a CPTA action, he may forward that to CSS as indicated above
Based on the information currently available to Midland Credit, it has acted in a timely manner and has complied with all applicable laws. *** ***’s account remains valid, due, and owing to Midland Credit as servicer for Midland Funding. With that said, *** *** also states that he cannot afford to pay $for this account. Should *** *** now recognize that the debt remains due and wish to resolve the matter, he may qualify for a reduction in his account balance. If such is the case, he can call Account Manager *** *** at *** *** *** *** to assist him 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 *** ***
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
*** ** *** ***
Assistant Secretary
*** ***
Enclosure
Dear *** ***
"">Thank you for your letter inquiry dated June 26, 2014, regarding *** *** 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 is the servicer of an account
belonging to another consumer. During a
search for the correct consumer, *** *** phone number was provided to
Midland Credit representatives by a third party. In reliance on that information, Midland
Credit attempted to contact the consumer regarding the referenced account. Please note, Midland Credit had no
information that it was contacting a wrong number for the consumer until
receipt of the complaint through your office
With that said, *** *** phone number has been marked “Do Not Call” in Midland Credit’s
computer system for the referenced account.
*** *** will no longer receive calls from Midland Credit
representatives regarding the referenced account. Additionally, *** ***’s telephone number (***)
has been added to an exclusion list to prevent it from being called in the
future
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at *** *** *** *** should you have any further
questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Dear *** ***:
class="MsoNormal">
Thank you for your letter inquiry dated March 4, 2014, regarding *** ***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same last name as *** ***’s. During a search for the correct consumer, *** ***’s address was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the account
*** ***’s address has been marked “Do Not Mail” in Midland Credit’s computer system for the account. Please assure *** *** that she will no longer receive correspondence from Midland Credit representatives regarding the account. Please extend the apologies of Midland Credit to *** *** for any frustration she might have experienced as a result of this error
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The three accounts that Midland is "collecting" on behalf for *** and *** *** are NOT my accountsThese have been disputed with the bureua as wellI am attaching the police report when I had an identity theft since Midland still refuses to send me a copy of any contract I signed, etc showing that these are my accountsThese three accounts are NOT mind and must be removed immediatelyPlease find attached the police report filed in regards to identity theftThey continue to say they sent documentation to me, but I have not received ANY documentation prior to me disputing these accounts when I saw them on my reportTHey need to STOP asking me to settle any accounts with them because I refuse to pay for any account that is on my credit and is not mine!
I am not sure if Midland is aware what Identity theft is, but it is when someone else uses your identity to obtain services or contacts in your name, these individuals know the social security etc of the person they are stealing from, so therefore, Midland saying this was in my name with my social would tell you that this is identity theftMidland has NOT provided anything with my signature etc showing that these are my accounts because they cannot, they are not my accountsPlease use this police report as proof that these accounts must be REMOVED immediately from my credit report
Regards,*** ***
May 18, VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# *** *** *** ***
Dear *** ***
In its previous response dated April 1, 2016, Midland Credit stated that it had acknowledged *** *** dispute regarding account no*** ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. *** *** submitted another inquiry on May 4, 2016, and this response serves to address his additional concerns
Midland Credit has acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close account no***. There will be no further collection activity or sale of this account. In addition, as stated in is previous response, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from *** ***’s consumer credit files
*** *** continues to express concern that he has a letter stating that the accounts would be removed from his credit report. As indicated in its previous response, Midland Credit previously made the business decision to close account nos*** and *** on February 8, 2016. Shortly thereafter, Midland Credit notified the three major credit reporting agencies to cease reporting the tradelines of account nos*** and ***. Midland Credit ceased furnishing information for the tradeline for account nos*** and *** on February 29, 2016, and for account no*** on April 11, 2016. Please note that the credit reporting agencies have advised that they may require to days to update to a consumer’s credit files.
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
August 13,
class="MsoNormal">
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** ***
Revdex.com# ***
MCM# *** and ***
Dear *** ***
Thank you for your letter inquiry dated July 30, 2014, regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to *** ***. Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on August 24, 2010. Information provided by the seller, *** *** *** ***., at the time of acquisition indicates this account was originated on February 6, as a *** *** *** ***./*** *** *** account number ending in ***, in the name of *** * ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 31, 2010. The balance at the time of purchase was $
Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, on April 2, 2012. Information provided by the seller, *** *** ***., at the time of acquisition indicates this account was originated on July 23, as a *** *** ** ** *** *** *** account number ending in ***, in the name of *** * ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 31, 2010. The balance at the time of purchase was $3,
As described in the complaint, *** *** questions the alleged conduct of certain Midland Credit employees. Please note that the alleged conduct described by *** *** has been investigated. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable lawA review of Midland Credit’s business records indicates that while no payment arrangement was reached with *** ***, he was advised that he could settle both accounts with a balance reduction of 50%*** *** was also advised that the accounts would not be removed from his consumer credit files upon payment.
*** *** expresses a desire to have the above-referenced accounts deleted from his consumer credit files upon resolving the balances. Please note that it is Midland Credit’s policy to report all accounts accurately. Should *** *** pay the full balances, Midland Credit will report the accounts as “Account paid in full, was a collection account.” Should *** *** pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the accounts, its correct and accurate status would not be reflected
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, *** ***’s accounts have been referred to Account Manager *** *** Please have *** *** call Ms*** at *** *** *** ***, 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 *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
September 14, 2016VIA E-Mail*** *** *** ***Revdex.com of San DiegoMurphy Canyon, Ste110San Diego, CA 92123Re: Consumer complaint of *** * ***Revdex.com# ***MCM#
***Dear *** ***Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 27, Midland Credit appreciates the opportunity to answer your questions.An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 21, Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on April 26, as a *** *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 2, The balance at the time of purchase was $ A copy of the verification information provided by the seller is enclosed for *** *** records Final payment on the account was received by Midland Credit on June 6, *** *** has no further financial obligation for this account.*** *** indicates that he was advised by the account manager assigned to his account that the collection would be removed from his credit report after it was paidWhile Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to furnish accurate account information A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to *** ***.Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions.Sincerely, Midland Credit Management, Inc
*** *** ***Corporate Counsel, Legal Affairs & Compliance*Admitted in Colorado; Registered In-House Counsel in California*** ***
Dear Ms***:
"">Thank you for your letter inquiry dated June 26, 2014,
regarding Mr***’s complaint,
which Midland Credit Management, Inc(hereinafter “Midland
Credit”) received the same
day via E-mail.
Midland Credit appreciates the opportunity to answer your questions
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC
(hereinafter “Midland Funding”), on October 21, 2011. Information provided by the seller, T-Mobile
PCS Holdings LLC, at the time of acquisition indicates this account was
originated on April 24, as a T-Mobile cellular account number ending in ***,
in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as
an unpaid delinquent-debt on January 21, 2010.
The balance at the time of purchase was $130.60. Final payment on the account was received on December
13, 2013. Mr*** has no further
financial obligation for this account
As described in
the complaint, Mr*** questions the alleged conduct of certain Midland
Credit employees, alleging that the account manager he spoke to advised him
that the account would be deleted from his consumer credit files if paid. Please note that the alleged conduct
described by Mr*** has been investigated, and it appears no company policy
was violated.
While Midland
Credit is pleased that it was able to assist Mr*** in reaching a
resolution which settled the balance for the above-referenced account, please
note that it is Midland Credit’s policy to report all accounts accurately. Once paid, the account would be reported as “Account paid in full, was a collection
account.” Midland Credit’s business
records do not indicate that Mr*** was told otherwise
Midland Credit
acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First
policy, Midland Credit made the business decision to delete the account from
Mr***’s consumer credit files. While
it will remain marked as “Account paid
in full, was a collection account” in Midland Credit’s system, the credit
reporting agencies will be notified to delete the account from his consumer
credit files
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr***
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at ###-###-#### should you have any further
questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowAs I had mentioned in my initial complaint, unauthorized charges were made years agoIt wasn't until recent time that I knew of the account being a negative mark, as I had thought it was taken care of by the original company and closedSo there are no forms that were filled outTheir mark was immediately removed at my requestIt was never a valid debt and they corrected their mistakeI don't care who bought it, sold it or is currently claiming itIf it's not removed from the three bureaus within days, I'll be contacting my attorney general and seeking possible legal action
I have no further interest in dealing with a vulture company without an attorneyThank you to the Revdex.com for handling my complaint
Regards,
*** ***
Dear Ms***:
Thank you for your letter inquiry
regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received
July 20, 2015. Midland Credit appreciates the opportunity to
answer your questions
Midland
Credit provided all of the account identifying information in its previous
letter response to your office dated July 13, 2015. Mr*** expresses that he is
unsatisfied with the validation documentation provided by Midland Credit. Please note that the verification information
provided by the seller meets the requirements of the Fair Debt Collection
Practices Act. The original contract,
complete payment history, and a full set of billing statements are not required
under the FDCPAChaudhry vGallerizzo,
F.3d (4th Cir1999).
Additionally, while not required, a copy of the bill of sale verifying Midland Funding as the rightful
owner of the account is enclosed
Mr
*** also requests that Midland Credit provide documentation
demonstrating that Midland Credit has the ability to collect on this debt, and
is licensed to collect in the state of *** Please assure Mr*** that Midland
Credit is licensed in every state which requires such licensing for collection
companies. In Mr***’s case, his
home state of *** does not require collection agency licensing.
Furthermore, Mr
*** requests that Midland Credit provide proof of the date of last
activity. Based on information provided
by the seller, the last payment was made on March 30, for $355.00. This is evidenced in the validation
documentation that was provided in Midland Credit’s previous response to your
office, another copy of which is enclosed for reference
Based
on the above, Midland Credit must respectfully conclude that it is accurately
reporting the account to the three major credit reporting agencies. However, per Mr***’s request to
cease collection activity, the above-referenced account has been marked “Cease
and Desist.” While it remains due and
owing, Mr*** will no longer receive correspondence or calls from
Midland Credit representatives unless a response is required by law
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at *** *** *** *** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Enclosure
April 14, VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** * *** ***
Revdex.com#***
MCM# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 18, and your follletter inquiry received April 8, 2016. Midland Credit appreciates the opportunity to answer your questions
Midland Credit responded to *** *** ***’s inquiry on April 1, 2016. In its response, Midland Credit stated that it acknowledged his dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, 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, furnishing of account information to the credit bureaus, or sale of this account. In addition, the three credit-reporting agencies have been notified to delete Midland Credit’s reference to the collection account in question from *** *** ***’s consumer credit files
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.From: *** *** ***Date: Thu, Sep 11, at 3:PMSubject: Re: You have a new message from the Revdex.comTo: *** ***
I, *** *** did not receive anything from Midland Company...Here in my neck of the hood....mail always placed in another tenant mail box...When mail don't belongs to them...they throw it on the floor...when the janitor comes to clean all paper on the floor...he throwing everything in the garbage....Midland should have send their verification through Revdex.com so we both would have saw what was sent....Any information from this point be seen through Revdex.com before mailed...Also, In order to collect a debt legally, Midland must prove it has the right to collect from meTo do this, Midland must show an unbroken, valid chain of assignment back to the original creditor.
Thanks
*** ***
In my opinion, this is a fraudulent organization We received a letter advising they were debt collectors for a Synchrony Bank/Walmart account We have no such account When I called them for more information, they wanted either SSN or date of birth to tell me anything I refused I then called Synchrony Bank, and they had no record of the account I checked with CreditKarma, and no such account has been opened in either my name or my wife's I believe this is a phishing expedition
Dear *** ***:
Roman';">
Thank you for your letter inquiry dated May 6, 2014, regarding *** *** 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 February 27, 2009. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on April 30, as a ** *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number***. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 1, 2009. The balance at the time of purchase was $234.24. Final payment on the account was received on January 13, 2011. *** *** has no further financial obligation for this account
*** *** writes that she was told by a Midland Credit representative that the above-referenced account would be deleted from her consumer credit files upon settlement. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law
While Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which settled the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. On January 14, 2011, following settlement of the account, a letter was mailed to *** *** advising her that the account had been paid and that the reporting of the account would be reflected as such. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at*** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.There was no such correspondence received by meThe Revdex.com should note that Midland failed to resolve the issue
Regards,
*** ***
Thank you for your letter inquiry dated July 1,
New Roman';">, regarding Mr***’s complaint,
which Midland Credit Management, Inc(hereinafter “Midland
Credit”) received
the same day via E-mail. Midland Credit appreciates the opportunity to
answer your questions
An
investigation of this matter indicates that Midland Credit is the servicer of
accounts belonging to another consumer.
During a search for the correct consumer, Mr***’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 accounts. Please note, Midland Credit had no
information that it was contacting a wrong number for the consumer until
receipt of the complaint through your office
Mr***’s phone number has been marked “Do Not Call” in
Midland Credit’s computer system for the referenced account. Mr***
will no longer receive calls from Midland Credit representatives regarding the
referenced account. Additionally, Mr***’s phone number (***) has
been added to an exclusion list to prevent it from being called in the future
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr***
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at ###-###-#### should you have any further
questions
Sincerely,
Midland Credit Management, Inc
*** ***,
Esq
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
This company illegally tries to collect on OLD debts that have already been settled
September 2, VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***:
Thank you for your follletter inquiry dated August 19, 2014, regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all the relevant account information in its previous letter response to your office dated July 28, *** *** continues to expresses a concern that Midland Credit has not provided verification of the above-referenced debtAs previously stated, Midland Credit provided verification information by mail in response to *** ***’s May 13, correspondence, which was also enclosed in its original response to your officeThe verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”)The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999)
As described in the complaint, *** *** writes that Midland Credit’s representatives refused to speak with him because he indicated that he was going to contact a lawyerAs stated previously, the representative was unable to speak to *** *** regarding the account details as he had previously claimed to be speaking to his lawyerUpon receiving the information that consumers may be represented by counsel, representatives are not able to release information to the consumer*** *** was advised of this, and refused to send in any documentation confirming that he did not have representation prior to receipt of the complaint from your office
*** *** additionally alleges that Midland Credit continued to report the account to his consumer credit files, despite *** ***’s dispute of the account as fraudA review of Midland Credit’s business records indicates that *** *** was advised to send documentation to support his fraud claim, but *** *** initially refusedOn May 20, 2014, *** *** contacted Midland Credit and stated that he had filed a police report for identity theft with the *** Police Department, and verbally provided a case number of *** *** was advised to provide a copy of the police report or an affidavit of fraud showing that he reported the fraudulent activity. Midland Credit did not receive a copy of such police report or an affidavit of fraud as requested from *** *** and in its previous response to your officeWhile Midland Credit did not receive the requested documentation, it conducted an investigation using the information provided by *** ***, and was unable to locate such record with the *** Police Department
As previously stated, while Midland Credit did not receive the requested documentation from *** ***, and was not able to further investigate his fraud claim with the information provided, Midland Credit made the business decision to close the accountThere will continue to be no further collection activity, credit reporting, or sale of this accountThe three credit-reporting were notified to delete all reference to the account in question from *** ***’s consumer credit files
Please assure *** *** that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
April 20,
0in 0pt" class="MsoNormal">
VIA E-Mail
MsL** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# 8***
Dear *** ***:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, 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 June 28, 2012. Information provided by the seller, *** *** Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, as a *** cellular account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on September 29, 2011. The balance at the time of purchase was $3,223.49.
Ms*** expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time. Please assure Ms*** that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time. Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code. Ms***’s phone number contains an area code belonging to Yonkers, New York. Based on that information, Midland Credit attempted to contact Ms*** at times consistent with New York. All calls were placed after 8:00am and prior to 9:pm local Yonkers time.
As described in the complaint, Ms*** questions the alleged conduct of certain Midland Credit employees. Please note that the alleged conduct described by Ms*** is being investigated. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner.
Additionally, Ms*** expresses a concern that, prior to Midland Funding’s purchase of the account, a *** representative changed her phone plan without her consent, resulting in her account being forwarded to collectionsA review of Midland Credit’s business records indicate it was not advised of Ms***’s concerns with *** prior to receipt of her complaint. However, now that Midland Credit has been made aware of Ms***’s prior issues with ***, 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 Ms***’s consumer credit files
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
Gregory Gerkin, Esq
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
Roman">Thank you for your letter inquiry
regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received
February 9, 2015. Midland Credit appreciates the opportunity to
answer your questions
An
investigation of this matter indicates that Midland Credit is the servicer of
an account belonging to another consumer.
During a search for the correct consumer, *** *** phone number was
provided to Midland Credit representatives by a third party. In reliance on that information, Midland
Credit attempted to contact the consumer regarding the referenced account.
Please
note, Midland Credit had no information that it was contacting a wrong number
for the consumer until a phone conversation on February 8, 2015, presumably
with *** ***. Their phone number was
marked “Do Not Call” in Midland Credit’s computer system for the referenced
account at that time. No phone calls
have been attempted to the number provided in the submission since February 8,
2015. *** *** will no longer receive
calls from Midland Credit representatives regarding the referenced
account. Additionally, *** ***’s phone
number (*** has been added to an exclusion list to prevent it from
being called in the future regarding the referenced account
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at *** *** *** *** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Dear *** ***
face="Times New Roman">Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 21, 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, *** ***, at the time of acquisition indicates this account was originated on March 28, as a *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, 2015. The balance at the time of purchase was $2,344.09. A copy of the verification information provided by the seller is enclosed for *** *** records
*** *** expresses a concern that his *** *** card was closed years ago after he paid thousands and he has not heard from *** ***. Consumers are sometimes 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. 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.
In addition, *** *** advised the most recent payment received by *** *** was in June of for the amount of $70.00, and that the current balance is due. The current balance information is reflected on the verification information Midland Credit has enclosed with this response. If *** *** believes that his payments to *** *** paid the balance in full, Midland Credit respectfully requests *** *** provide documentation or evidence which substantiates his claim. *** *** can contact Midland Credit online at *** 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. *** *** may also forward appropriate documentation to CSS using the contact information on this letterhead
*** *** indicated that he received a letter advising the account could potentially be forwarded to an attorney. There are several factors used to determine the eligibility of accounts for legal effortsAs a result, the account has been determined to be eligible for legal efforts. Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in *** ***’s area to review for possible legal efforts to collect the balance. This was an accurate statement of potential next steps to be taken on the account
*** *** also advised he read about a class action lawsuit involving Midland Credit and CPTA Regulations. Midland Credit is unable to identify the referenced CPTA class action against Midland Credit regarding *** ***’s account. If *** *** has documentation that indicates he, or his account, were included in a CPTA action, he may forward that to CSS as indicated above
Based on the information currently available to Midland Credit, it has acted in a timely manner and has complied with all applicable laws. *** ***’s account remains valid, due, and owing to Midland Credit as servicer for Midland Funding. With that said, *** *** also states that he cannot afford to pay $for this account. Should *** *** now recognize that the debt remains due and wish to resolve the matter, he may qualify for a reduction in his account balance. If such is the case, he can call Account Manager *** *** at *** *** *** *** to assist him 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 *** ***
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
*** ** *** ***
Assistant Secretary
*** ***
Enclosure
Dear *** ***
"">Thank you for your letter inquiry dated June 26, 2014, regarding *** *** 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 is the servicer of an account
belonging to another consumer. During a
search for the correct consumer, *** *** phone number was provided to
Midland Credit representatives by a third party. In reliance on that information, Midland
Credit attempted to contact the consumer regarding the referenced account. Please note, Midland Credit had no
information that it was contacting a wrong number for the consumer until
receipt of the complaint through your office
With that said, *** *** phone number has been marked “Do Not Call” in Midland Credit’s
computer system for the referenced account.
*** *** will no longer receive calls from Midland Credit
representatives regarding the referenced account. Additionally, *** ***’s telephone number (***)
has been added to an exclusion list to prevent it from being called in the
future
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at *** *** *** *** should you have any further
questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Dear *** ***:
class="MsoNormal">
Thank you for your letter inquiry dated March 4, 2014, regarding *** ***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same last name as *** ***’s. During a search for the correct consumer, *** ***’s address was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the account
*** ***’s address has been marked “Do Not Mail” in Midland Credit’s computer system for the account. Please assure *** *** that she will no longer receive correspondence from Midland Credit representatives regarding the account. Please extend the apologies of Midland Credit to *** *** for any frustration she might have experienced as a result of this error
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The three accounts that Midland is "collecting" on behalf for *** and *** *** are NOT my accountsThese have been disputed with the bureua as wellI am attaching the police report when I had an identity theft since Midland still refuses to send me a copy of any contract I signed, etc showing that these are my accountsThese three accounts are NOT mind and must be removed immediatelyPlease find attached the police report filed in regards to identity theftThey continue to say they sent documentation to me, but I have not received ANY documentation prior to me disputing these accounts when I saw them on my reportTHey need to STOP asking me to settle any accounts with them because I refuse to pay for any account that is on my credit and is not mine!
I am not sure if Midland is aware what Identity theft is, but it is when someone else uses your identity to obtain services or contacts in your name, these individuals know the social security etc of the person they are stealing from, so therefore, Midland saying this was in my name with my social would tell you that this is identity theftMidland has NOT provided anything with my signature etc showing that these are my accounts because they cannot, they are not my accountsPlease use this police report as proof that these accounts must be REMOVED immediately from my credit report
Regards,*** ***
May 18, VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# *** *** *** ***
Dear *** ***
In its previous response dated April 1, 2016, Midland Credit stated that it had acknowledged *** *** dispute regarding account no*** ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. *** *** submitted another inquiry on May 4, 2016, and this response serves to address his additional concerns
Midland Credit has acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close account no***. There will be no further collection activity or sale of this account. In addition, as stated in is previous response, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from *** ***’s consumer credit files
*** *** continues to express concern that he has a letter stating that the accounts would be removed from his credit report. As indicated in its previous response, Midland Credit previously made the business decision to close account nos*** and *** on February 8, 2016. Shortly thereafter, Midland Credit notified the three major credit reporting agencies to cease reporting the tradelines of account nos*** and ***. Midland Credit ceased furnishing information for the tradeline for account nos*** and *** on February 29, 2016, and for account no*** on April 11, 2016. Please note that the credit reporting agencies have advised that they may require to days to update to a consumer’s credit files.
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
August 13,
class="MsoNormal">
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** ***
Revdex.com# ***
MCM# *** and ***
Dear *** ***
Thank you for your letter inquiry dated July 30, 2014, regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to *** ***. Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on August 24, 2010. Information provided by the seller, *** *** *** ***., at the time of acquisition indicates this account was originated on February 6, as a *** *** *** ***./*** *** *** account number ending in ***, in the name of *** * ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 31, 2010. The balance at the time of purchase was $
Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, on April 2, 2012. Information provided by the seller, *** *** ***., at the time of acquisition indicates this account was originated on July 23, as a *** *** ** ** *** *** *** account number ending in ***, in the name of *** * ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 31, 2010. The balance at the time of purchase was $3,
As described in the complaint, *** *** questions the alleged conduct of certain Midland Credit employees. Please note that the alleged conduct described by *** *** has been investigated. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable lawA review of Midland Credit’s business records indicates that while no payment arrangement was reached with *** ***, he was advised that he could settle both accounts with a balance reduction of 50%*** *** was also advised that the accounts would not be removed from his consumer credit files upon payment.
*** *** expresses a desire to have the above-referenced accounts deleted from his consumer credit files upon resolving the balances. Please note that it is Midland Credit’s policy to report all accounts accurately. Should *** *** pay the full balances, Midland Credit will report the accounts as “Account paid in full, was a collection account.” Should *** *** pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the accounts, its correct and accurate status would not be reflected
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, *** ***’s accounts have been referred to Account Manager *** *** Please have *** *** call Ms*** at *** *** *** ***, 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 *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
September 14, 2016VIA E-Mail*** *** *** ***Revdex.com of San DiegoMurphy Canyon, Ste110San Diego, CA 92123Re: Consumer complaint of *** * ***Revdex.com# ***MCM#
***Dear *** ***Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 27, Midland Credit appreciates the opportunity to answer your questions.An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 21, Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on April 26, as a *** *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 2, The balance at the time of purchase was $ A copy of the verification information provided by the seller is enclosed for *** *** records Final payment on the account was received by Midland Credit on June 6, *** *** has no further financial obligation for this account.*** *** indicates that he was advised by the account manager assigned to his account that the collection would be removed from his credit report after it was paidWhile Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to furnish accurate account information A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to *** ***.Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions.Sincerely, Midland Credit Management, Inc
*** *** ***Corporate Counsel, Legal Affairs & Compliance*Admitted in Colorado; Registered In-House Counsel in California*** ***
Dear Ms***:
"">Thank you for your letter inquiry dated June 26, 2014,
regarding Mr***’s complaint,
which Midland Credit Management, Inc(hereinafter “Midland
Credit”) received the same
day via E-mail.
Midland Credit appreciates the opportunity to answer your questions
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC
(hereinafter “Midland Funding”), on October 21, 2011. Information provided by the seller, T-Mobile
PCS Holdings LLC, at the time of acquisition indicates this account was
originated on April 24, as a T-Mobile cellular account number ending in ***,
in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as
an unpaid delinquent-debt on January 21, 2010.
The balance at the time of purchase was $130.60. Final payment on the account was received on December
13, 2013. Mr*** has no further
financial obligation for this account
As described in
the complaint, Mr*** questions the alleged conduct of certain Midland
Credit employees, alleging that the account manager he spoke to advised him
that the account would be deleted from his consumer credit files if paid. Please note that the alleged conduct
described by Mr*** has been investigated, and it appears no company policy
was violated.
While Midland
Credit is pleased that it was able to assist Mr*** in reaching a
resolution which settled the balance for the above-referenced account, please
note that it is Midland Credit’s policy to report all accounts accurately. Once paid, the account would be reported as “Account paid in full, was a collection
account.” Midland Credit’s business
records do not indicate that Mr*** was told otherwise
Midland Credit
acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First
policy, Midland Credit made the business decision to delete the account from
Mr***’s consumer credit files. While
it will remain marked as “Account paid
in full, was a collection account” in Midland Credit’s system, the credit
reporting agencies will be notified to delete the account from his consumer
credit files
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr***
Thank
you again for your assistance in this matter. Please contact our Consumer
Support Services team at ###-###-#### should you have any further
questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowAs I had mentioned in my initial complaint, unauthorized charges were made years agoIt wasn't until recent time that I knew of the account being a negative mark, as I had thought it was taken care of by the original company and closedSo there are no forms that were filled outTheir mark was immediately removed at my requestIt was never a valid debt and they corrected their mistakeI don't care who bought it, sold it or is currently claiming itIf it's not removed from the three bureaus within days, I'll be contacting my attorney general and seeking possible legal action
I have no further interest in dealing with a vulture company without an attorneyThank you to the Revdex.com for handling my complaint
Regards,
*** ***
Dear Ms***:
Thank you for your letter inquiry
regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received
July 20, 2015. Midland Credit appreciates the opportunity to
answer your questions
Midland
Credit provided all of the account identifying information in its previous
letter response to your office dated July 13, 2015. Mr*** expresses that he is
unsatisfied with the validation documentation provided by Midland Credit. Please note that the verification information
provided by the seller meets the requirements of the Fair Debt Collection
Practices Act. The original contract,
complete payment history, and a full set of billing statements are not required
under the FDCPAChaudhry vGallerizzo,
F.3d (4th Cir1999).
Additionally, while not required, a copy of the bill of sale verifying Midland Funding as the rightful
owner of the account is enclosed
Mr
*** also requests that Midland Credit provide documentation
demonstrating that Midland Credit has the ability to collect on this debt, and
is licensed to collect in the state of *** Please assure Mr*** that Midland
Credit is licensed in every state which requires such licensing for collection
companies. In Mr***’s case, his
home state of *** does not require collection agency licensing.
Furthermore, Mr
*** requests that Midland Credit provide proof of the date of last
activity. Based on information provided
by the seller, the last payment was made on March 30, for $355.00. This is evidenced in the validation
documentation that was provided in Midland Credit’s previous response to your
office, another copy of which is enclosed for reference
Based
on the above, Midland Credit must respectfully conclude that it is accurately
reporting the account to the three major credit reporting agencies. However, per Mr***’s request to
cease collection activity, the above-referenced account has been marked “Cease
and Desist.” While it remains due and
owing, Mr*** will no longer receive correspondence or calls from
Midland Credit representatives unless a response is required by law
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Mr***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at *** *** *** *** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Enclosure
April 14, VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** * *** ***
Revdex.com#***
MCM# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 18, and your follletter inquiry received April 8, 2016. Midland Credit appreciates the opportunity to answer your questions
Midland Credit responded to *** *** ***’s inquiry on April 1, 2016. In its response, Midland Credit stated that it acknowledged his dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, 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, furnishing of account information to the credit bureaus, or sale of this account. In addition, the three credit-reporting agencies have been notified to delete Midland Credit’s reference to the collection account in question from *** *** ***’s consumer credit files
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.From: *** *** ***Date: Thu, Sep 11, at 3:PMSubject: Re: You have a new message from the Revdex.comTo: *** ***
I, *** *** did not receive anything from Midland Company...Here in my neck of the hood....mail always placed in another tenant mail box...When mail don't belongs to them...they throw it on the floor...when the janitor comes to clean all paper on the floor...he throwing everything in the garbage....Midland should have send their verification through Revdex.com so we both would have saw what was sent....Any information from this point be seen through Revdex.com before mailed...Also, In order to collect a debt legally, Midland must prove it has the right to collect from meTo do this, Midland must show an unbroken, valid chain of assignment back to the original creditor.
Thanks
*** ***
In my opinion, this is a fraudulent organization We received a letter advising they were debt collectors for a Synchrony Bank/Walmart account We have no such account When I called them for more information, they wanted either SSN or date of birth to tell me anything I refused I then called Synchrony Bank, and they had no record of the account I checked with CreditKarma, and no such account has been opened in either my name or my wife's I believe this is a phishing expedition
Dear *** ***:
Roman';">
Thank you for your letter inquiry dated May 6, 2014, regarding *** *** 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 February 27, 2009. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on April 30, as a ** *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number***. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 1, 2009. The balance at the time of purchase was $234.24. Final payment on the account was received on January 13, 2011. *** *** has no further financial obligation for this account
*** *** writes that she was told by a Midland Credit representative that the above-referenced account would be deleted from her consumer credit files upon settlement. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law
While Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which settled the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. On January 14, 2011, following settlement of the account, a letter was mailed to *** *** advising her that the account had been paid and that the reporting of the account would be reflected as such. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at*** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.There was no such correspondence received by meThe Revdex.com should note that Midland failed to resolve the issue
Regards,
*** ***