Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Dear *** ***
12pt">
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 22, 2015. 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 other consumers. During a search for the correct consumers, *** ***’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts.
A review of Midland Credit’s business records indicates a phone call was received on April 14, 2015, presumably from *** ***The caller advised that he was receiving calls from Midland CreditUpon receiving the phone call, the Midland Credit representative marked *** ***’s phone number, *** *** as “Do Not Call” on the referenced accounts. Subsequent calls were received from *** *** on April 20, and April 22, advising of the same issue. To further ensure he was not receiving calls at the phone number he had provided, it was added to an exclusion list to prevent it from being called in the future regarding the referenced accounts
Please note, while the phone numbers listed in *** ***’s complaint belong to Midland Credit, a review of Midland Credit’s business appears to indicate that no calls have been attempted to the phone number provided by *** *** since March 8,
However, as *** *** believes Midland Credit is the source of the calls he is receiving, it respectfully requests that he provide any additional phone numbers Midland Credit representatives may have called, or that may be forwarding calls to his phone. Midland Credit is sensitive to his concerns and should additional information be provided, will conduct further investigation and will continue to stand ready to assist in resolving *** ***’s concerns.
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***:
size="3">Thank you for your letter inquiry
regarding Ms***’s complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
July 9, 2015.
Midland Credit appreciates the opportunity to answer your questions
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on October 29, 2009. Information provided by the seller, *** *** *** ***, at
the time of acquisition indicates this account was originated on May 7, as a ** *** *** *** Consumer credit card 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 25, 2009. The balance at the time of purchase was $
The
three credit-reporting agencies were previously notified to delete Midland
Credit’s reference to the collection account in question from Ms***’s
consumer credit files on or about September 25, 2013, October 23, 2013,
November 19, and December 17, 2013.
It appears the information was not properly updated by the
credit-reporting agencies. Midland
Credit sent an additional request to the credit-reporting agencies to delete
the account on July 16, 2015. The AUD
number, which is the confirmation number supplied to Midland Credit when the
request was sent, is ***. Please
note that it may take the credit-reporting agencies 30-days to update the
information in Ms***’s consumer credit files. If the account continues to reflect on her
consumer credit files, Midland Credit encourages Ms*** to contact the
credit-reporting agencies directly
While
Midland Credit has acted in a timely manner and has complied with all
applicable laws, in keeping with its Consumer-First policy, Midland Credit has
made the business decision to close the account. There will be no further collection activity,
credit reporting or sale of this account.
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
*** ***,
Esq
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Thank you for your letter inquiry dated July 30, 2014, regarding *** ***’s
lang="X-NONE">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 October 3, 2013. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated on May 4, as a *** *** credit card account number ending in 4294, 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 3, 2009. The balance at the time of purchase was $439.43. Final payment on the account was received on February 25, 2014. *** *** has no further financial obligation for this account
As described in the complaint, *** *** questions the alleged conduct of certain Midland Credit employees. 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 law. There is no indication that the consumer was told that the account would be deleted after it was paid
*** *** expresses a desire to have the above-referenced account deleted from their consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which settled the balance for the above-referenced account, it is Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
Midland Credit considers consumer complaints a ***ous 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 (800) 825-ext*** 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
GJG: mrb
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 belowFirst of all, Midland Funding has violated state and federal consumer protection laws. The information they are providing now comes too little too late. The bottom line is they never responded to my request for validation within the specified time period, and they never ceased collection activity. Credit bureau reporting is considered collection activity case law that supports this is *** *** vsDiem Corp. I have made every effort to resolve this matter without taking legal action. I am respectfully requesting that Midland Funding request deletion of this invalidated account,.
Regards,
*** ***
Dear Ms***:
Thank you for your follletter inquiry dated June 5, 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.
Mr*** writes
that he does not agree with Midland Credit’s findings in its investigation of
the matter. While he states that he
advised Midland Credit representatives they were calling the wrong person prior
submitting the complaint through your office, a review of our business records did
not find a record of such a conversation.
Further review of our business records indicates that in their attempts
to contact the correct consumer at the phone number now known to be Mr
***’s, its representatives were unable to reach a live party at any time.
Accordingly,
Midland Credit maintains is position and reiterates that his phone number was appropriately
added to
an exclusion list to prevent it from being called in the future at the time Midland Credit was made aware it was not calling the correct
consumer. Midland Credit respectfully
declines Mr***’s request for monetary compensation.
If Mr***
has a record of the calls and/or the names of the Midland Credit
representatives with whom he spoke, further investigation into the matter could
be conducted. Please have him
contact Consumer Support Services at (800) 825-8131, ext*** with related information.
Regarding his
concerns that Midland Credit’s response comes from an attorney, please assure Mr
*** that this is not done as any sign of escalation in the matter. It is Midland Credit’s policy to have
attorneys review responses to all formal complaints to ensure consumers
understand that their concerns are taken seriously and given the attention they
deserve.
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 (800) 825-ext*** 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
GJG: ***
Dear *** ***
11pt">Thank you for your letter inquiry regarding *** ***’s 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 August 9, 2011.
Information provided by the seller, *** *** ***, at the time of acquisition indicates this account
was originated on September 29, 2007, as a *** *** *** *** *** account number
ending in ***, in the name of *** * ***, under the last four of the social
security number ***.
Subsequently, the account was charged-off as an unpaid delinquent-debt
on March 26, 2009. The balance at the time of purchase was $
*** *** writes that he has been told conflicting information about the date that
account will stop reporting to his credit report. Additionally, in phone conversations with
Midland Credit representatives, *** *** referenced both the seven-year
Federal Reporting Period and the statute of limitations in reference to credit
reporting. To clarify, the statute of
limitations date is the date on which litigation can no longer be pursued as a
potential remedy. A review of Midland
Credit’s business records indicates that the statute of limitations expired on
September 4, However, please note that the passing of the statute of
limitations does not extinguish the validity of the debt
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. The seven-year
Federal Reporting Period is determined based on the date of original
delinquency. A review of Midland
Credit’s business records indicates that the seven-year Federal Reporting Period
for the above-referenced account will expire in August 2015.
As
described in the complaint, *** *** 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.
The alleged conduct described by *** *** has been investigatedA
review of Midland Credit’s business records indicates that *** *** has
contacted Midland Credit numerous times to request information concerning the
reporting of the account. *** ***
references a conversation from January 2015, in which he was advised that the
account was “in collection” in March 2008, and that the account would stop
reporting in March 2015. Midland Credit does
not have record of such a conversation in January 2015. Midland Credit’s business records indicate
that the first conversation concerning credit reporting of the account occurred
on March 10, 2015. At that time, *** *** was appropriately advised of information concerning the date of
delinquency, the seven-year Federal Reporting Period, and statute of
limitations
On
March 20, 2015, *** *** again contacted Midland Credit, and was incorrectly
advised by a representative of the account’s date of delinquency, and thusly
the time at which the seven-year Federal Reporting Period would expire. That same day, *** *** contacted Midland
Credit again and spoke with a representative, and was advised of the correct date
and reporting period for the account.
During subsequent calls, *** *** was advised of the correct date of
charge-off, date of delinquency, and Federal Reporting Period
Midland
Credit apologizes for the error and any confusion caused by the
misinformation. Please assure *** ***
that Midland Credit does not modify or alter any of the original account
information provided by the seller. It
is Midland Credit’s policy to report all accounts accurately. As noted above, the seven-year Federal
Reporting Period for the account will expire in August 2015. Should *** *** pay the full balance,
Midland Credit will report the account as “Account paid in full, was a
collection account.” Should *** *** pay less than the full balance,
Midland Credit will report an additional memo stating “Account paid in full
for less than the full balance.” If Midland Credit were to delete the
account, its correct and accurate status would not be reflected
Per
*** ***’s previous request to not receive phone calls, the above-referenced
account was marked “Direct Mail Only.”
While it remains due and owing, *** *** will continue to not receive
phone calls from Midland Credit representatives and all correspondence will be
sent via the United States Postal Service.
Midland Credit considers consumer complaints a
serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the
inconvenience caused to *** ***
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 would not resolve my complaint When I contacted Midland via certified letters and emails, I got absolutely no responseI understand that in order to investigate the matter, it takes timeUpon receiving my first certified letter and email, at the very least, Midland could have acknowledged receipt of it and responded, letting me know that they are investigating the matterHow was I to know if they were even looking into the matter without some sort of acknowledgement? So, with no response to my certified letter and multiple emails, I assumed that my dispute was being ignored, so I filed this complaint with the Revdex.com
When I filed this complaint with the Revdex.com, instead of contacting me directly, Midland contacted the attorney that represented me on previous matters that had already been resolvedThe attorney contacted me letting me know that Midland had contacted himNo, I did not advise Midland in the beginning that I was no longer represented by an attorney because since the suits had already been resolved, and since I was contacting Midland, instead of my attorney contacting them, one would assume it was obvious that I was no longer being represented by an attorney on this unrelated issueIf I were represented by an attorney, obviously, Midland would have heard directly from my attorney instead of meSo, I do not understand why Midland contacted my previous attorney, someone that has nothing to do with this issue, instead of me regarding the matter at hand
I don't understand why Midland is unable to communicate directly to meWhat's preventing that?
Even Midland's letter dated March 30, 2016, of which I'm responding to, is addressed to the Revdex.com instead of meI do not understand why Midland can not respond to me directly
In Midland's response addressed to the Revdex.com, it mentions two defaulted accountsThose "accounts" were lawsuits that Midland filed against me, of which were dismissed with prejudiceTherefore, those "defaulted accounts" do not exist, so of course I have no financial obligation to either non-existent accountThe specifics of those "accounts" that Midland mentioned should not have been mentioned because they do not exist since they were dismissed with prejudiceThose lawsuits Midland filed against me, upon being dismissed with prejudice, is what led to me filing suits against them, which resulted in settlementsThose settlements led to the current Form 1099-MISC issue here at hand
Midland had reported Form 1099-MISC to the Internal Revenue Service (IRS) of which I do not agree with the amountI notified them and let them know that Form 1099-MISC is incorrectAfter no response, I filed this complaint with the Revdex.comInstead of contacting me directly, they contacted my previous attorney that informed me of them contacting himMidland sent him a corrected Form 1099-MISC for $4,000, of which he forwarded to meThat amount does not make any sense eitherMidland did not send it to me and there is no explanation nor documentation as to what is corrected about itSo, I have no idea what amount(s) Midland has reported to the IRSBut evidently, the amount(s) they have reported is incorrect.
I mentioned in my certified letter, dated January 25, to send me any documentation/correspondence that they may happen to send to the IRS in resolving this matter, such as correcting Form 1099-MISCI also mentioned for them to provide me with any and all documentation substantiating the amount claimed on Form 1099-MISC as I dispute itI have yet to receive anything from them, other than their response addressed to the Revdex.com regarding my complaintInstead of sending me the corrected Form 1099-MISC that is still not correct, they sent it to my previous attorneyI still dispute the amount Midland reported to the IRS under my name and social security number; it is not correct
There were two settlement agreements for a total of $13,I received two checks $2,each for a total of $5,The amount that I actually received was $5,and I dispute any other amount.
I did not receive a check for the full amount of the $13,settlement and then pay attorney's fees out of itThe two checks I received in hand were made payable to me directlyThe attorney received check(s) made payable to them directlyThe funds are allocated as such in the agreementsThe Form(s) 1099-MISC that I should have received should be for a total of $5,000, whether on one Form or two for $2,eachI should only receive a Form 1099-MISC on the amount that I actually receivedJust as Midland is unable to report an amount other than what was actually paid, I am unable and unwilling to claim any other amount other than what I actually received
Midland needs to correct the Form(s) 1099-MISC to reflect the amount I actually received and as the agreements allocate how the funds were distributed.
Regards,*** ***
I've gotten numerous calls from this debt collector, and I'm not the person they're looking forI've told them numerous times that they're calling the wrong numberThey don't read the mini miranda that a debt collector is required to do by the FDCPA, so you dont know it's a collector calling- all they do is ask for the debtor and hang up on you if you say you're not the personIf you ask what company they're calling from, they won't answerThe lack of a mini miranda (so you know it's a collection call) and the fact that the reps won't identify their company (presumably so you don't know who's harassing you) is illegal
Dear Ms***:
"">Thank you for your letter inquiry dated May 30, 2014, regarding Ms***’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 other consumers. During a search for
the correct consumers, Ms***’s phone number was provided to Midland Credit
representatives by a third party. In
reliance on that information, Midland Credit attempted to contact the consumers
regarding the referenced accounts.
Ms***’s phone
number has been marked “Do Not Call” in Midland Credit’s computer system for
the referenced account. Ms*** will
no longer receive calls from Midland Credit representatives regarding the
referenced account. Additionally, Ms
***’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 Ms***
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
GJG: ***
Dear *** ***
12pt;">
Thank you for your letter inquiry dated April 28, 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 December 14, 2010. Information provided by the seller, *** *** ***, at the time of acquisition indicates this account was originated on July 29, 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 March 30, 2009. The balance at the time of purchase was $1,418.24. The balance due as of May 9, 2014, including interest accrued, is $2,
While not the only item of concern identified within his complaint, *** *** writes that the Midland Credit representative he spoke to would not accept the settlement offer he presented of $900.00, and also would not send him a statement with the proposed settlement offer
Please note that Midland Credit representatives have strict guidelines they must adhere to when giving or accepting repayment offers. Based on the current balance of the account, *** ***’ offer of $cannot be considered appropriate. The account manager provided *** *** with the maximum discount available at the time of $1,409.96, to which *** *** requested a letter showing said amount. Please note that the settlement offers *** *** previously received in the mail were automatically generated. Midland Credit account managers cannot generate letters with discounts applied to the balance unless the consumer agreed to a settlement amount, at which time the settlement balance would appear. Because *** *** had not agreed to the settlement, any letter sent by the Midland Credit account manager would contain the full balance, and not the $1,settlement amount that was offered to him
Aside from the above, *** *** also indicates that he is disabled. Please note that Midland Credit is sensitive to *** ***’ situation, and in keeping with the Forgiveness and Hardship Guidelines found in Article of its Consumer Bill of Rights, will cease collection activities once it receives documentation from *** *** identifying that his only source of income is from an exempt income source, or that he is experiencing significant financial hardship due to medical issues. *** *** may forward the appropriate documentation to Consumer Support Services at the address on this letterhead
Lastly, while $would not normally be an acceptable settlement, Midland Credit has made the business decision to accept *** ***’ offer as full and final settlement for the account. In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, his account has been referred to Account Manager *** ***. Please call her at *** *** *** *** to discuss repayment options.
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 find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.From: *** ***Date: Mon, Oct 20, at 2:PMSubject: complaint id #*** *** *** *** ***To: ***I received a response to my complaint #*** against Midland Credit Management earlier this month. Unfortunately I was unable to respond using the link provided by the Revdex.comI have however read the response provided by Midland and do not accept their response.My request was for two extremely simple actions to be taken by Midland and their response they refuse to take the appropriate actions which I requested as follows:Midland must arrange for the removal of the four DEMAND LETTERS which they mailed to my house for an unknown, unrelated individual. Midland’s suggestion that I “disregard” their repulsive, knowingly dishonest, illegal correspondence is insulting and ludicrousI AM DEMANDING COMPLETE REMOVAL of the incorrect, illegal association that MIDLAND has made with meThis demand includes the permanent removal of the following information from any and all files they have for *** ***.MY NAME, MY ADDRESS, MY TELEPHONE NUMBER must immediately and permanently be removed from the an illegal association which Midland created.Their file WILL NOT CONTINUE to list my phone number or address or name with the account of *** ***As clarification for the Revdex.com, marking my address as “DO NOT MAIL” does no remove the illegal, fraudulent, damaging association that they have made with me, a completely innocent unrelated partyIn addition marking their file as “DO NOT CALL” , also does not eliminate the knowingly illegal fraudulent association which Midland has made.BOTH of these conditions will be met by Midland in order for my complaint to be considered resolved.Thank you for your assistance,
*** ***
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
After reviewing the response from the business, I am not satisfied with their replyI have not told them that I have retained a lawyerWhile I did mention that I may have to get one , I never said that I didI first contacted the Credit Bureau and they said that they would file a complaintShortly after I received a letter from the Credit Bureau stating that the matter was resolved and that the charges had been removedWhen I spoke with Midland again they laughed at my response and said they would just put it back on my credit reportThat is when the Credit Bureau recommended I contact the Revdex.comMidland Credit says that I did not contact them to dispute the charges , however I did - many timesOn one occasion when I told the man I was speaking with that I was going to have to get help with the matter, he became irate, calling me stupid and cussing at me, and telling me I knew nothing about what they could or could not do. They would never explain how my balance almost doubled when it went from *** *** to Midland nor could I get an explanation of how Midland Llcand Midland Funding were two different companies as they had the same address and phone number, and my account was the same account number with bothNor could I ever get them to send anything explaining how or why the amount increased to such an extreme or an account of how each monthly account was calculatedeach bill only included what I had paid last month, and what the remaining balance wasI could never get them to send moreI mostly wanted to see an explanation of the charges that had grown from over $6,to over $11,My requests were ignored and I was told they could charge quite a bit of interest
Again, I stress that I did contact them several times in order to try to find out what was going onI even contacted *** *** to make sure of what my balance was when the account was sold
And while I did mention that I may have to get a lawyer due to the fact that I could not get answers from them, I never told them that I had done so and I decided to first go the route of the Credit Bureau who told me they could take care of the matterThe letter I received from them stated that the matter had been taken care of and the charges would no longer be on my credit report
Thank you so much for your help in this matterPlease let me know if you need any further information
Regards,
*** ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear
below.Regards,*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The information provided by Midland clearly shows that I am NOT the one that Midland claims owes them moneyFurthermore, it would appear that the statute of limitations may have run out on these debts (although I am not an attorney)
Nowhere does Midland provide any addresses where they mailed ANYTHING to meNor do they state how they obtained my phone number nor how they (falsely) ascertained that I am the person they claim owes them money
Based upon my preliminary research, there are thousands of people who are named "*** *** in the United StatesIt's a very common name, and I believe that Midland did not exercise the required due diligence to find the person they claim owes them money
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
December 22, 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 *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 8, 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 December 2,
A review of Midland Credit’s business records indicates that *** *** has retained an attorneyGoing forward, all communication about the matter should be handled by his attorney. If *** *** is no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him directly
*** *** expressed a concern that the verification from the seller is not proper validation. Please note that the 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)
In addition, *** *** states that the furnisher and the credit reporting agencies have a duty to verify the information reporting is accurate. 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
Another concern *** *** expresses is that Midland Credit is re-aging the debts. While Midland Credit is sensitive to *** *** concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit furnishes account information on the accounts it services based on the business records maintained by the original lender/sellerIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for the accounts reflect the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open dates listed on *** *** credit report are in fact the date of purchase by Midland Funding, LLC, for the respective accounts
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced accounts, is accurate. Midland Credit will be closing its investigation of *** *** dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***:
Thank you for your follletter inquiry dated April 30, 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
In Midland Credit’s response to *** *** dated April 9, 2014, Midland Credit stated that it acknowledged *** ***’s dispute of account no***, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. Midland Credit contacted the seller; however, they have yet to provide verification documentation for the above-referenced account.
Therefore, in the interest of providing the highest level of consumer satisfaction and in accordance with its policy to react affirmatively to consumer issues, Midland Credit has closed account no***. There will be no further collection activity, credit reporting or sale of said account. In addition, the three credit-reporting agencies will be notified to delete all reference to this account from *** ***’s consumer credit files
Regarding account nos*** ***, ***, *** *** requested to know the addresses where letters were mailed to his attention. A review of Midland Credit’s business records indicates the initial validation letters regarding the three referenced accounts were all mailed to *** *** *** *** ** *** This same address was supplied independently by the respective sellers in all three cases, and Midland Credit relied on said information for its initial attempts to locate *** ***. The phone number *** *** was receiving calls, at until Midland Credit abided by his request to cease doing so, was provided as part of Midland Credit’s efforts to locate a phone number for *** ***
*** *** also states that he is not the correct consumer and that the information provided by Midland Credit showed him this information. However, *** *** did not state how he was able to arrive at this conclusion and Midland Credit respectfully requests an explanation as it does not want to continue collection attempts or contact to anyone apart from the correct consumer.
If the last four digits of the social security number associated with the accounts, previously indicated as *** do not match the last four digits of *** ***’s social security number, please have him contact Consumer Support Services at *** *** *** ***. Or should the last four digits of the social security number match and *** *** believes he is the victim of identity theft or fraud, he may alternatively provide Midland Credit with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at *** If submitting an affidavit of fraud, *** *** should complete the form and have the form notarized. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead
Until such information and/or documentation is received, based on the information available to it, Midland Credit must respectfully maintain its position that account nos*** ***, and *** remain valid, and that *** *** is the correct consumer Midland Credit will be closing its investigation of *** ***’s dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act of these three accounts
In the meantime, per *** ***’s earlier request, the above-referenced accounts remain marked “Cease and Desist.” While account nos*** ***, and *** remain due and owing, *** *** will continue to no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ** ***
Senior Corporate Counsel, Legal Affairs & Compliance
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Dear *** ***
12pt">
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 22, 2015. 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 other consumers. During a search for the correct consumers, *** ***’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts.
A review of Midland Credit’s business records indicates a phone call was received on April 14, 2015, presumably from *** ***The caller advised that he was receiving calls from Midland CreditUpon receiving the phone call, the Midland Credit representative marked *** ***’s phone number, *** *** as “Do Not Call” on the referenced accounts. Subsequent calls were received from *** *** on April 20, and April 22, advising of the same issue. To further ensure he was not receiving calls at the phone number he had provided, it was added to an exclusion list to prevent it from being called in the future regarding the referenced accounts
Please note, while the phone numbers listed in *** ***’s complaint belong to Midland Credit, a review of Midland Credit’s business appears to indicate that no calls have been attempted to the phone number provided by *** *** since March 8,
However, as *** *** believes Midland Credit is the source of the calls he is receiving, it respectfully requests that he provide any additional phone numbers Midland Credit representatives may have called, or that may be forwarding calls to his phone. Midland Credit is sensitive to his concerns and should additional information be provided, will conduct further investigation and will continue to stand ready to assist in resolving *** ***’s concerns.
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***:
size="3">Thank you for your letter inquiry
regarding Ms***’s complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
July 9, 2015.
Midland Credit appreciates the opportunity to answer your questions
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on October 29, 2009. Information provided by the seller, *** *** *** ***, at
the time of acquisition indicates this account was originated on May 7, as a ** *** *** *** Consumer credit card 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 25, 2009. The balance at the time of purchase was $
The
three credit-reporting agencies were previously notified to delete Midland
Credit’s reference to the collection account in question from Ms***’s
consumer credit files on or about September 25, 2013, October 23, 2013,
November 19, and December 17, 2013.
It appears the information was not properly updated by the
credit-reporting agencies. Midland
Credit sent an additional request to the credit-reporting agencies to delete
the account on July 16, 2015. The AUD
number, which is the confirmation number supplied to Midland Credit when the
request was sent, is ***. Please
note that it may take the credit-reporting agencies 30-days to update the
information in Ms***’s consumer credit files. If the account continues to reflect on her
consumer credit files, Midland Credit encourages Ms*** to contact the
credit-reporting agencies directly
While
Midland Credit has acted in a timely manner and has complied with all
applicable laws, in keeping with its Consumer-First policy, Midland Credit has
made the business decision to close the account. There will be no further collection activity,
credit reporting or sale of this account.
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
*** ***,
Esq
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***
Thank you for your letter inquiry dated July 30, 2014, regarding *** ***’s
lang="X-NONE">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 October 3, 2013. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated on May 4, as a *** *** credit card account number ending in 4294, 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 3, 2009. The balance at the time of purchase was $439.43. Final payment on the account was received on February 25, 2014. *** *** has no further financial obligation for this account
As described in the complaint, *** *** questions the alleged conduct of certain Midland Credit employees. 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 law. There is no indication that the consumer was told that the account would be deleted after it was paid
*** *** expresses a desire to have the above-referenced account deleted from their consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which settled the balance for the above-referenced account, it is Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
Midland Credit considers consumer complaints a ***ous 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 (800) 825-ext*** 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
GJG: mrb
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 belowFirst of all, Midland Funding has violated state and federal consumer protection laws. The information they are providing now comes too little too late. The bottom line is they never responded to my request for validation within the specified time period, and they never ceased collection activity. Credit bureau reporting is considered collection activity case law that supports this is *** *** vsDiem Corp. I have made every effort to resolve this matter without taking legal action. I am respectfully requesting that Midland Funding request deletion of this invalidated account,.
Regards,
*** ***
Dear Ms***:
Thank you for your follletter inquiry dated June 5, 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.
Mr*** writes
that he does not agree with Midland Credit’s findings in its investigation of
the matter. While he states that he
advised Midland Credit representatives they were calling the wrong person prior
submitting the complaint through your office, a review of our business records did
not find a record of such a conversation.
Further review of our business records indicates that in their attempts
to contact the correct consumer at the phone number now known to be Mr
***’s, its representatives were unable to reach a live party at any time.
Accordingly,
Midland Credit maintains is position and reiterates that his phone number was appropriately
added to
an exclusion list to prevent it from being called in the future at the time Midland Credit was made aware it was not calling the correct
consumer. Midland Credit respectfully
declines Mr***’s request for monetary compensation.
If Mr***
has a record of the calls and/or the names of the Midland Credit
representatives with whom he spoke, further investigation into the matter could
be conducted. Please have him
contact Consumer Support Services at (800) 825-8131, ext*** with related information.
Regarding his
concerns that Midland Credit’s response comes from an attorney, please assure Mr
*** that this is not done as any sign of escalation in the matter. It is Midland Credit’s policy to have
attorneys review responses to all formal complaints to ensure consumers
understand that their concerns are taken seriously and given the attention they
deserve.
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 (800) 825-ext*** 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
GJG: ***
Dear *** ***
11pt">Thank you for your letter inquiry regarding *** ***’s 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 August 9, 2011.
Information provided by the seller, *** *** ***, at the time of acquisition indicates this account
was originated on September 29, 2007, as a *** *** *** *** *** account number
ending in ***, in the name of *** * ***, under the last four of the social
security number ***.
Subsequently, the account was charged-off as an unpaid delinquent-debt
on March 26, 2009. The balance at the time of purchase was $
*** *** writes that he has been told conflicting information about the date that
account will stop reporting to his credit report. Additionally, in phone conversations with
Midland Credit representatives, *** *** referenced both the seven-year
Federal Reporting Period and the statute of limitations in reference to credit
reporting. To clarify, the statute of
limitations date is the date on which litigation can no longer be pursued as a
potential remedy. A review of Midland
Credit’s business records indicates that the statute of limitations expired on
September 4, However, please note that the passing of the statute of
limitations does not extinguish the validity of the debt
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. The seven-year
Federal Reporting Period is determined based on the date of original
delinquency. A review of Midland
Credit’s business records indicates that the seven-year Federal Reporting Period
for the above-referenced account will expire in August 2015.
As
described in the complaint, *** *** 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.
The alleged conduct described by *** *** has been investigatedA
review of Midland Credit’s business records indicates that *** *** has
contacted Midland Credit numerous times to request information concerning the
reporting of the account. *** ***
references a conversation from January 2015, in which he was advised that the
account was “in collection” in March 2008, and that the account would stop
reporting in March 2015. Midland Credit does
not have record of such a conversation in January 2015. Midland Credit’s business records indicate
that the first conversation concerning credit reporting of the account occurred
on March 10, 2015. At that time, *** *** was appropriately advised of information concerning the date of
delinquency, the seven-year Federal Reporting Period, and statute of
limitations
On
March 20, 2015, *** *** again contacted Midland Credit, and was incorrectly
advised by a representative of the account’s date of delinquency, and thusly
the time at which the seven-year Federal Reporting Period would expire. That same day, *** *** contacted Midland
Credit again and spoke with a representative, and was advised of the correct date
and reporting period for the account.
During subsequent calls, *** *** was advised of the correct date of
charge-off, date of delinquency, and Federal Reporting Period
Midland
Credit apologizes for the error and any confusion caused by the
misinformation. Please assure *** ***
that Midland Credit does not modify or alter any of the original account
information provided by the seller. It
is Midland Credit’s policy to report all accounts accurately. As noted above, the seven-year Federal
Reporting Period for the account will expire in August 2015. Should *** *** pay the full balance,
Midland Credit will report the account as “Account paid in full, was a
collection account.” Should *** *** pay less than the full balance,
Midland Credit will report an additional memo stating “Account paid in full
for less than the full balance.” If Midland Credit were to delete the
account, its correct and accurate status would not be reflected
Per
*** ***’s previous request to not receive phone calls, the above-referenced
account was marked “Direct Mail Only.”
While it remains due and owing, *** *** will continue to not receive
phone calls from Midland Credit representatives and all correspondence will be
sent via the United States Postal Service.
Midland Credit considers consumer complaints a
serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the
inconvenience caused to *** ***
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 would not resolve my complaint When I contacted Midland via certified letters and emails, I got absolutely no responseI understand that in order to investigate the matter, it takes timeUpon receiving my first certified letter and email, at the very least, Midland could have acknowledged receipt of it and responded, letting me know that they are investigating the matterHow was I to know if they were even looking into the matter without some sort of acknowledgement? So, with no response to my certified letter and multiple emails, I assumed that my dispute was being ignored, so I filed this complaint with the Revdex.com
When I filed this complaint with the Revdex.com, instead of contacting me directly, Midland contacted the attorney that represented me on previous matters that had already been resolvedThe attorney contacted me letting me know that Midland had contacted himNo, I did not advise Midland in the beginning that I was no longer represented by an attorney because since the suits had already been resolved, and since I was contacting Midland, instead of my attorney contacting them, one would assume it was obvious that I was no longer being represented by an attorney on this unrelated issueIf I were represented by an attorney, obviously, Midland would have heard directly from my attorney instead of meSo, I do not understand why Midland contacted my previous attorney, someone that has nothing to do with this issue, instead of me regarding the matter at hand
I don't understand why Midland is unable to communicate directly to meWhat's preventing that?
Even Midland's letter dated March 30, 2016, of which I'm responding to, is addressed to the Revdex.com instead of meI do not understand why Midland can not respond to me directly
In Midland's response addressed to the Revdex.com, it mentions two defaulted accountsThose "accounts" were lawsuits that Midland filed against me, of which were dismissed with prejudiceTherefore, those "defaulted accounts" do not exist, so of course I have no financial obligation to either non-existent accountThe specifics of those "accounts" that Midland mentioned should not have been mentioned because they do not exist since they were dismissed with prejudiceThose lawsuits Midland filed against me, upon being dismissed with prejudice, is what led to me filing suits against them, which resulted in settlementsThose settlements led to the current Form 1099-MISC issue here at hand
Midland had reported Form 1099-MISC to the Internal Revenue Service (IRS) of which I do not agree with the amountI notified them and let them know that Form 1099-MISC is incorrectAfter no response, I filed this complaint with the Revdex.comInstead of contacting me directly, they contacted my previous attorney that informed me of them contacting himMidland sent him a corrected Form 1099-MISC for $4,000, of which he forwarded to meThat amount does not make any sense eitherMidland did not send it to me and there is no explanation nor documentation as to what is corrected about itSo, I have no idea what amount(s) Midland has reported to the IRSBut evidently, the amount(s) they have reported is incorrect.
I mentioned in my certified letter, dated January 25, to send me any documentation/correspondence that they may happen to send to the IRS in resolving this matter, such as correcting Form 1099-MISCI also mentioned for them to provide me with any and all documentation substantiating the amount claimed on Form 1099-MISC as I dispute itI have yet to receive anything from them, other than their response addressed to the Revdex.com regarding my complaintInstead of sending me the corrected Form 1099-MISC that is still not correct, they sent it to my previous attorneyI still dispute the amount Midland reported to the IRS under my name and social security number; it is not correct
There were two settlement agreements for a total of $13,I received two checks $2,each for a total of $5,The amount that I actually received was $5,and I dispute any other amount.
I did not receive a check for the full amount of the $13,settlement and then pay attorney's fees out of itThe two checks I received in hand were made payable to me directlyThe attorney received check(s) made payable to them directlyThe funds are allocated as such in the agreementsThe Form(s) 1099-MISC that I should have received should be for a total of $5,000, whether on one Form or two for $2,eachI should only receive a Form 1099-MISC on the amount that I actually receivedJust as Midland is unable to report an amount other than what was actually paid, I am unable and unwilling to claim any other amount other than what I actually received
Midland needs to correct the Form(s) 1099-MISC to reflect the amount I actually received and as the agreements allocate how the funds were distributed.
Regards,*** ***
I've gotten numerous calls from this debt collector, and I'm not the person they're looking forI've told them numerous times that they're calling the wrong numberThey don't read the mini miranda that a debt collector is required to do by the FDCPA, so you dont know it's a collector calling- all they do is ask for the debtor and hang up on you if you say you're not the personIf you ask what company they're calling from, they won't answerThe lack of a mini miranda (so you know it's a collection call) and the fact that the reps won't identify their company (presumably so you don't know who's harassing you) is illegal
Dear Ms***:
"">Thank you for your letter inquiry dated May 30, 2014, regarding Ms***’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 other consumers. During a search for
the correct consumers, Ms***’s phone number was provided to Midland Credit
representatives by a third party. In
reliance on that information, Midland Credit attempted to contact the consumers
regarding the referenced accounts.
Ms***’s phone
number has been marked “Do Not Call” in Midland Credit’s computer system for
the referenced account. Ms*** will
no longer receive calls from Midland Credit representatives regarding the
referenced account. Additionally, Ms
***’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 Ms***
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
GJG: ***
Dear *** ***
12pt;">
Thank you for your letter inquiry dated April 28, 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 December 14, 2010. Information provided by the seller, *** *** ***, at the time of acquisition indicates this account was originated on July 29, 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 March 30, 2009. The balance at the time of purchase was $1,418.24. The balance due as of May 9, 2014, including interest accrued, is $2,
While not the only item of concern identified within his complaint, *** *** writes that the Midland Credit representative he spoke to would not accept the settlement offer he presented of $900.00, and also would not send him a statement with the proposed settlement offer
Please note that Midland Credit representatives have strict guidelines they must adhere to when giving or accepting repayment offers. Based on the current balance of the account, *** ***’ offer of $cannot be considered appropriate. The account manager provided *** *** with the maximum discount available at the time of $1,409.96, to which *** *** requested a letter showing said amount. Please note that the settlement offers *** *** previously received in the mail were automatically generated. Midland Credit account managers cannot generate letters with discounts applied to the balance unless the consumer agreed to a settlement amount, at which time the settlement balance would appear. Because *** *** had not agreed to the settlement, any letter sent by the Midland Credit account manager would contain the full balance, and not the $1,settlement amount that was offered to him
Aside from the above, *** *** also indicates that he is disabled. Please note that Midland Credit is sensitive to *** ***’ situation, and in keeping with the Forgiveness and Hardship Guidelines found in Article of its Consumer Bill of Rights, will cease collection activities once it receives documentation from *** *** identifying that his only source of income is from an exempt income source, or that he is experiencing significant financial hardship due to medical issues. *** *** may forward the appropriate documentation to Consumer Support Services at the address on this letterhead
Lastly, while $would not normally be an acceptable settlement, Midland Credit has made the business decision to accept *** ***’ offer as full and final settlement for the account. In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, his account has been referred to Account Manager *** ***. Please call her at *** *** *** *** to discuss repayment options.
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 find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.From: *** ***Date: Mon, Oct 20, at 2:PMSubject: complaint id #*** *** *** *** ***To: ***I received a response to my complaint #*** against Midland Credit Management earlier this month. Unfortunately I was unable to respond using the link provided by the Revdex.comI have however read the response provided by Midland and do not accept their response.My request was for two extremely simple actions to be taken by Midland and their response they refuse to take the appropriate actions which I requested as follows:Midland must arrange for the removal of the four DEMAND LETTERS which they mailed to my house for an unknown, unrelated individual. Midland’s suggestion that I “disregard” their repulsive, knowingly dishonest, illegal correspondence is insulting and ludicrousI AM DEMANDING COMPLETE REMOVAL of the incorrect, illegal association that MIDLAND has made with meThis demand includes the permanent removal of the following information from any and all files they have for *** ***.MY NAME, MY ADDRESS, MY TELEPHONE NUMBER must immediately and permanently be removed from the an illegal association which Midland created.Their file WILL NOT CONTINUE to list my phone number or address or name with the account of *** ***As clarification for the Revdex.com, marking my address as “DO NOT MAIL” does no remove the illegal, fraudulent, damaging association that they have made with me, a completely innocent unrelated partyIn addition marking their file as “DO NOT CALL” , also does not eliminate the knowingly illegal fraudulent association which Midland has made.BOTH of these conditions will be met by Midland in order for my complaint to be considered resolved.Thank you for your assistance,
*** ***
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
After reviewing the response from the business, I am not satisfied with their replyI have not told them that I have retained a lawyerWhile I did mention that I may have to get one , I never said that I didI first contacted the Credit Bureau and they said that they would file a complaintShortly after I received a letter from the Credit Bureau stating that the matter was resolved and that the charges had been removedWhen I spoke with Midland again they laughed at my response and said they would just put it back on my credit reportThat is when the Credit Bureau recommended I contact the Revdex.comMidland Credit says that I did not contact them to dispute the charges , however I did - many timesOn one occasion when I told the man I was speaking with that I was going to have to get help with the matter, he became irate, calling me stupid and cussing at me, and telling me I knew nothing about what they could or could not do. They would never explain how my balance almost doubled when it went from *** *** to Midland nor could I get an explanation of how Midland Llcand Midland Funding were two different companies as they had the same address and phone number, and my account was the same account number with bothNor could I ever get them to send anything explaining how or why the amount increased to such an extreme or an account of how each monthly account was calculatedeach bill only included what I had paid last month, and what the remaining balance wasI could never get them to send moreI mostly wanted to see an explanation of the charges that had grown from over $6,to over $11,My requests were ignored and I was told they could charge quite a bit of interest
Again, I stress that I did contact them several times in order to try to find out what was going onI even contacted *** *** to make sure of what my balance was when the account was sold
And while I did mention that I may have to get a lawyer due to the fact that I could not get answers from them, I never told them that I had done so and I decided to first go the route of the Credit Bureau who told me they could take care of the matterThe letter I received from them stated that the matter had been taken care of and the charges would no longer be on my credit report
Thank you so much for your help in this matterPlease let me know if you need any further information
Regards,
*** ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear
below.Regards,*** ***
I am responding back with the release form authorizing my account information to the Revdex.comThank you
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 information provided by Midland clearly shows that I am NOT the one that Midland claims owes them moneyFurthermore, it would appear that the statute of limitations may have run out on these debts (although I am not an attorney)
Nowhere does Midland provide any addresses where they mailed ANYTHING to meNor do they state how they obtained my phone number nor how they (falsely) ascertained that I am the person they claim owes them money
Based upon my preliminary research, there are thousands of people who are named "*** *** in the United StatesIt's a very common name, and I believe that Midland did not exercise the required due diligence to find the person they claim owes them money
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
December 22, 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 *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 8, 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 December 2,
A review of Midland Credit’s business records indicates that *** *** has retained an attorneyGoing forward, all communication about the matter should be handled by his attorney. If *** *** is no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him directly
*** *** expressed a concern that the verification from the seller is not proper validation. Please note that the 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)
In addition, *** *** states that the furnisher and the credit reporting agencies have a duty to verify the information reporting is accurate. 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
Another concern *** *** expresses is that Midland Credit is re-aging the debts. While Midland Credit is sensitive to *** *** concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit furnishes account information on the accounts it services based on the business records maintained by the original lender/sellerIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for the accounts reflect the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open dates listed on *** *** credit report are in fact the date of purchase by Midland Funding, LLC, for the respective accounts
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced accounts, is accurate. Midland Credit will be closing its investigation of *** *** dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***:
Thank you for your follletter inquiry dated April 30, 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
In Midland Credit’s response to *** *** dated April 9, 2014, Midland Credit stated that it acknowledged *** ***’s dispute of account no***, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. Midland Credit contacted the seller; however, they have yet to provide verification documentation for the above-referenced account.
Therefore, in the interest of providing the highest level of consumer satisfaction and in accordance with its policy to react affirmatively to consumer issues, Midland Credit has closed account no***. There will be no further collection activity, credit reporting or sale of said account. In addition, the three credit-reporting agencies will be notified to delete all reference to this account from *** ***’s consumer credit files
Regarding account nos*** ***, ***, *** *** requested to know the addresses where letters were mailed to his attention. A review of Midland Credit’s business records indicates the initial validation letters regarding the three referenced accounts were all mailed to *** *** *** *** ** *** This same address was supplied independently by the respective sellers in all three cases, and Midland Credit relied on said information for its initial attempts to locate *** ***. The phone number *** *** was receiving calls, at until Midland Credit abided by his request to cease doing so, was provided as part of Midland Credit’s efforts to locate a phone number for *** ***
*** *** also states that he is not the correct consumer and that the information provided by Midland Credit showed him this information. However, *** *** did not state how he was able to arrive at this conclusion and Midland Credit respectfully requests an explanation as it does not want to continue collection attempts or contact to anyone apart from the correct consumer.
If the last four digits of the social security number associated with the accounts, previously indicated as *** do not match the last four digits of *** ***’s social security number, please have him contact Consumer Support Services at *** *** *** ***. Or should the last four digits of the social security number match and *** *** believes he is the victim of identity theft or fraud, he may alternatively provide Midland Credit with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at *** If submitting an affidavit of fraud, *** *** should complete the form and have the form notarized. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead
Until such information and/or documentation is received, based on the information available to it, Midland Credit must respectfully maintain its position that account nos*** ***, and *** remain valid, and that *** *** is the correct consumer Midland Credit will be closing its investigation of *** ***’s dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act of these three accounts
In the meantime, per *** ***’s earlier request, the above-referenced accounts remain marked “Cease and Desist.” While account nos*** ***, and *** remain due and owing, *** *** will continue to no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ** ***
Senior Corporate Counsel, Legal Affairs & Compliance
*** ***