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 resolvedThank you Revdex.com for your help!
Regards,
*** ***
Dear *** ***
lang="X-NONE">Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 1, 2016. Midland Credit appreciates the opportunity to answer your questions
Please note that Midland Credit Management requires additional time to fully investigate the matter and provide the information requested. Thank you for your understanding, and a response will be provided upon the conclusion of Midland Credit’s investigation
Thank you for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Dear *** ***
lang="X-NONE">Thank you for your letter inquiry
regarding *** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
November 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 May 14, 2012.
Information provided by the seller, *** *** ***, at the time of acquisition indicates this account
was originated on March 10, as a ** *** *** and
*** *** 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 7, 2011. The balance at the time of purchase was $825.70. Final payment on the account was received by
Midland Credit on February 6, 2014. *** *** has no further financial
obligation for this account
*** asserts that Midland Credit has updated the dates on his consumer credit
files to reflect this account as new. Please
note that Midland Credit furnishes information on the accounts it acquires
based on the business records maintained by the original lender/seller, and the
payment history of each individual consumer.
While Midland Credit is pleased that it was able to assist *** *** in
reaching a resolution which resolved the balance for the above-referenced
account, 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.”
Midland
Credit has no control over the manner in which each credit reporting agency
decides to display information which is furnished to them. *** *** is encouraged to communicate
directly with the credit bureaus should he have any further concerns. Based on the law and guidelines governing
credit reporting, it would appear that the account information being furnished
is accurate. In addition, if *** *** obtained
his credit report from a compilation source, the information being reported may
appear to vary. The credit bureaus have
advised that it appears this way because they do not directly populate the
fields on credit reports pulled from any source other than directly from the
credit bureau itself
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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
*** ***
May 7,
0pt" class="MsoNormal">
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 April 24, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 8, 2012. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on June 3, 2005, 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 29, 2009. The balance at the time of purchase was $482.26. Final payment on the account was received by Midland Credit on March 13, 2013. You have no further financial obligation for this account
*** *** expresses a concern that she paid the above-referenced account in March of 2013, but that it still shows as an open account, in collections, and days past due as of April on her *** *** *** credit reports. Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies. Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.”
*** *** is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting. In addition, if *** *** obtained her credit report from a compilation source, the information being reported may appear to vary. The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself
*** *** also asserts that each time she disputes the information on her credit report, a new collections date is reported. Please assure *** *** that Midland Credit does not modify or alter any of the original account information provided by the seller, such as the name of the consumer, or the date of occurrence. Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/seller, and the payment history of each individual consumer.
*** *** expresses a desire to have the above-referenced account deleted from her consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist her in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies as “Account paid in full, was a collection account,” starting March 20, shortly after the final payment was received
Per *** ***’s previous request to have Midland Credit cease all communications, the above-referenced account will remain marked “Cease and Desist.” *** *** will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***. 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
class="MsoNormal" "TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt">October 10,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear Ms* ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 30, 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 21, 2013. Information provided by the seller, *** *** *** *** at the time of acquisition indicates this account was originated on June 12, 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 24, 2013. The balance at the time of purchase was $981.50. Final payment on the account was received by Midland Credit on May 28, 2014. *** *** has no further financial obligation for this account
*** *** expresses a concern that he has received calls times a day. Please assure *** *** that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. A review of Midland Credit’s business records indicates that Midland Credit did not call *** *** more often than is allowable pursuant to applicable law
*** *** also expresses a concern over information that he was advised during phone calls with Midland Credit representatives. A review of Midland Credit’s business records appears to indicate that *** *** was not advised that the account would be removed from his credit report once it had been paid. Midland Credit apologizes for any misunderstandings that may have happened regarding this account. A review of Midland Credit’s business records appear to indicate its representatives have acted appropriately
With that said, on October 3, 2016, a Midland Credit representative reached out to *** ***. During the phone conversation, *** *** was advised that an update would be sent to the credit reporting agencies to have the account information removed from his credit files. The confirmation number for the update that was sent to the credit reporting agencies is ***
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. With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** ***
December 4,
0in 0pt" class="MsoNormal">
VIA E-Mail
Ms*** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of Dr*** ***
Revdex.com# ***
MCM# ***
Dear Ms***:
Thank you for your letter inquiry dated November 20, 2014, regarding Dr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 30, 2012. Information provided by the seller, *** *** *** LLC, at the time of acquisition indicates this account was originated on May 31, 2007, as a *** *** account number ending in ***, in the name of *** Ajym, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2011. The balance at the time of purchase was $358.85. Final payment on the account was received on October 29, 2012. Dr*** has no further financial obligation for this account
Dr*** expresses a concern that *** added erroneous insurance charges to the account, and that Midland Credit agreed to remove the account from his consumer credit files in exchange for payment resolving the balance. Midland Credit has not received any documentation supporting Dr***’s claim, or any indication from the seller that charges on the account were inaccurate. Additionally, while Midland Credit is pleased that it was able to assist Dr*** in reaching a resolution which settled the balance for the above-referenced account, a review of its business records does not appear to indicate any agreement was made to remove the account from his consumer credit files as part of that resolution
With that said, in keeping with its Consumer-First policy, Midland Credit will fulfill Dr***’s request. While the account will continue to reflect a paid status within Midland Credit’s files, the three major credit reporting agencies have been notified to remove 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 Dr***
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
*** ***
The gentleman with the heavy accent is very rude and is harassing in his phone calls 2-times a day with a min of calls back to back it can not be legalHe called me a liar for no reason what so ever he knew more than a bill collector shouldHighly unprofessional am looking into lawsuits
Thank you for your letter inquiry dated September 30,
"">, regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Ms*** also emailed Midland Credit directly with additional concerns since your inquiry was submitted. Midland Credit appreciates the opportunity to answer your questions and will address other items raised in her direct disputes in this response
?
A review of Midland Credit’s business records indicates that Ms*** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney. If Ms*** is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly
?
Ms*** also filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on October 25, 2010. Information provided by the seller, HSBC Bank Nevada, N.A., at the time of acquisition indicates this account was originated on September 15, as a HSBC Bank Nevada, N.A./Best Buy MasterCard account number ending in ***, in the name of *** F ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on September 30, 2010. The balance at the time of purchase was $1,046.45.
?
Ms*** expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original. While Midland Credit is sensitive to Ms***’s concern Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller.
?
The open date listed on Ms***’s credit report is in fact the date of purchase by Midland Funding LLC. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
?
Ms*** is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting. In addition, if Ms*** obtained her credit report from a compilation source, the information being reported may appear to vary. The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself
With that said, a copy of the bill of sale is enclosed. A copy of a seller data sheet confirming the account was included in the purchase from HSBC Bank Nevada, N.Ais also enclosed. Additionally, a copy of a seller data sheet confirming the account was included in the purchase from HSBC Bank Nevada, N.Ais also enclosed
Ms*** also states that the last payment made to the account was in 2007. According to the information provided by the seller, the last payment was made on February 5, in the amount of $30.00. Additionally, a review of Midland Credit’s business records indicates the seven-year federal reporting period does not expire until March 2017. Please note that this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies. The account will still remain collectible, due and owing to Midland CreditAlso, Ms*** states in the previously mentioned email sent directly to Midland Credit that the first date of delinquency has been altered. Further review of Midland Credit’s business records indicate it has consistently reported the first delinquency date as March 11, and continues to accurately report the above-referenced account to the three major credit reporting agencies.
?
In an email to Midland Credit which was received on October 1, 2014, Ms*** also claims that the Statute of Limitations for the account should be three years, and not eight as indicated in Midland Credit’s previous response. Midland Credit stands by its original response The Statute of Limitations in Montana for Ms***’s account is eight years
?
If Ms*** is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance. Please have her call Account Manager Denise Longtin at (800) 825-ext*** to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance
?
In the meantime, Per Ms***’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms*** 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 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
*** ***
Enclosure
Please note, We are not CUSTOMERS of Midland Financial. They are looking for someone that has NEVER been associated with this phone number and will not stop calling the number with their automated phone dialers, even when asked
Regardless, I have faxed the release document
requested
***
Dear *** ***:
Roman';">
Thank you for your letter inquiry dated February 10, 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 two accounts belonging to you
Midland Credit became the servicer of account *** on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on March 21, 2013. Information provided by the seller, *** *** ***., at the time of acquisition indicates this account was originated on April 16, as a *** 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 March 5, 2013. The balance at time of charge-off was $336.24. The balance due as of February 21, including interest accrued and payments received is $
Midland Credit became the servicer of account*** on behalf of purchaser, Midland Funding, on January 18, 2011. Information provided by the seller, *** *** *** ***., at the time of acquisition indicates this account was originated on April 4, as a *** *** *** *** *** 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 February 5, 2010. The balance at time of charge-off was $703.82. The balance due as of February 21, including interest accrued and payments received is $
*** *** writes that she has been submitting payment amounts of $on each account, and requests a written confirmation of the repayment plan. Please note that Midland Credit is unable to provide such confirmation because it has not agreed to a repayment plan with *** ***. A review of Midland Credit’s business records indicates that *** *** has been voluntarily sending the $payments
With that said, Midland Credit ready to assist *** ***. To do so, *** *** must verbally agree to a repayment plan so that it can be entered into the system before Midland Credit is able to send a written confirmation. 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 *** *** at *** *** *** ***, to set up the repayment plan
Aside from the above, *** *** mentions a third account that is also receiving paymentsMidland Credit has only two accounts in the name of *** ***. Midland cannot discuss any matters concerning any consumer with a third party unless we have received the written authorization from that consumer. Both federal and state law mandates this limitation. Enclosed please find a written disclosure authorization form that we use for this purpose. Upon receipt of this fully executed form, Midland Credit will be able to discuss the specified matters relating to the authorizing consumer
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
*** ***
Enclosure
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Thank you for your timely response to my complaintI still believe the information provided to me incomplete and inaccurateI do not accept liability for this debtAlthough I would like to see this issue resolved, I would have to respectfully decline any offers to do so via phoneI will only accept written communication from Midland Credit Management, Incand its representatives in the resolution of this matterThank you again for your time
Regards,
*** ***
April
7,
Roman">
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 April 2, 2015. Midland Credit appreciates the opportunity to
answer your questions
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on April 30, 2013. Information provided by the seller, *** *** ***., at the time of acquisition indicates
this account was originated on November 30, 2011, as
a *** ***
account number ending in ***, in the name of *** ***, under the last
four of the social security number ***.
Subsequently, the credit card account was charged-off as an
unpaid delinquent-debt on April 5, 2013. The balance at the time of purchase was $300.15. Final payment on the account was received on June 20, 2014.
*** *** has no further financial obligation for this account
*** *** writes that one credit bureau is listing Midland as the original lender. Please note, Midland Credit does not report
as the original lender. Midland Credit reports
as a “Debt Buyer” to the three major credit reporting agencies, and has no
control over the manner in which each credit reporting agency decides to
display that information.
*** *** also states that the credit bureaus all reflect different origination
dates, account numbers, comments and notes.
Midland Credit does not alter or modify any of the original account
information provided by the seller, such as the name of the consumer, the date
of origination, or the date of occurrence.
Midland Credit reports the information on the accounts it services based
on the business records maintained by the original lender/seller. Midland Credit reports the same information
to all three major credit reporting agencies.
In
addition, *** *** indicates that one bureau is reporting like a revolving
account as over days late. Midland
Credit does not report accounts as “days late” to the credit reporting
agencies. Because *** *** paid the
account on June 20, 2014, Midland Credit notified the credit reporting agencies
that the balance is no longer owed, and reflects a $balance. Midland Credit’s business records indicate
that it is appropriately reporting the above-referenced account to the three
major credit reporting agencies as “Account
paid in full, was a collection account.” *** *** is encouraged to communicate directly with the credit bureaus should she
have any further concerns about the nomenclature that Midland Credit is
compelled to use in credit bureau reporting.
In addition, if *** *** obtained her credit report from a compilation
source, the information being reported may appear to vary. The credit bureaus have advised that it
appears this way because they do not directly populate the fields on credit
reports pulled from any source other than directly from the credit bureau
itself
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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 11,
class="MsoNormal">
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 dated August 29, 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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 29, 2011. Information provided by the seller, *** *** *** *** at the time of acquisition indicates this account was originated on September 2, 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 29, 2008. The balance at the time of purchase was $758.92. Final payment on the account was received on June 6, 2014. *** *** has no further financial obligation for this account
*** *** expresses a concern that she was told the account would be removed from her consumer credit files after she had paid the balance due. Midland Credit reviewed its business records for the account. There is no indication *** *** was ever advised the account would be deleted from her credit report following payment. Instead, it appears Midland Credit representatives advised her that the account would be reported with a paid status in response to her inquiries about credit reporting.
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 must respectfully conclude that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
9/1/
*** POS PUR 08/08:MIDLANDCREDITMAN *** GB *** ***
Professional Services($84.00)This is what is on m
y bank statement I will not be providing an actual copy of my bank statement to them If there is, in fact, an additional fee, I should
have been informed of such It seems to me they charged me $84, no charge came from my bank
In the past with international exchange rates, it shows as a separate line item
Sincerely,*** ** ***
Yes, I have a account with Midland Credit ManagementI have been trying to pay my account off and they said their home base is in Great Britain I have got three different number and two difference addressWhen you call they ask if you want to speck to an English personWell, you dont get oneyou can not understand themI have tried times with debt card and it was not accept I have called or time and they give me a round around every timeThey ask me to send a money gram, money order or a checkThey will not accept a debt card and they say you can pay it on line and it refuse every timeI dont owe but but I can not get it paid offI have been scam once before and so afraid this is what is happening
I cannot confirm as I can no longer access those recordsHowever, I have only had one collections account for which *** was the original creditorIn this particular complaint, as mentioned, I have referred directly to ***'s original documentation from past credit reportsThey are no
longer reporting it on any of my credit reports, as the Date of First Delinquency/Date of Last Activity are listed as December Thank 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.Midland only states dates Send me the proof and every single letter They have mailed??? Probably can't do that right? Because Midland is a JDB! Anyone can provide dates Two years and you cannot provide details to my attorney or court Hmmm that is not a surprise They clearly thought they would get a default judgement like the hundreds of lawsuits in my countyYou should delete this until litigation is complete We have our defense against you which I cannot disclose but if you really have a case delete this until proven guiltyI have provided the ** AG this latest complaint and will do the same for the CFPB.
My request is to have this deleted.
Regards,
*** ***
Dear *** ***
lang="X-NONE">Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 30, 2016. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of account number *** on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 30, 2014. Information provided by the seller, *** *** ***., at the time of acquisition indicates this account was originated on November 23, 2007, as a ***/*** credit 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 June 13, 2014. The balance at the time of purchase was $308.48. Final payment for the account was received on March 16, 2016. *** *** has no further financial obligation for account no***
Midland Credit became the servicer of account number *** on behalf of purchaser, Midland Funding, on December 17, 2015. Information provided by the seller, *** *** *** *** ***(“*** ***”), at the time of acquisition indicates this account was originated on September 3, 2010, as a *** *** *** *** *** 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 29, 2013. The balance at the time of purchase was $197.79.
*** *** states that she was working with a debt consolidation program to resolve the balances for the above-referenced accounts. She expresses a concern that she was given wrong balance information for account number ***, and believes that Midland Credit has charged interest on the account
Regarding account number ***, a review of Midland Credit’s business records indicates that the account was charged-off with a balance of $574.15. Additional payments to *** *** after the charge-off date resulted in a balance at the time of purchase of $197.97. Midland Credit received five payments forwarded by *** *** totaling $103.00, which were made directly to *** *** between January and May of 2016, resulting in a remaining balance of $
Please note that Midland Credit management has not charged any interest toward the balances of your accounts. In keeping with its Consumer-First policy, Midland Credit made the business decision to consider the amounts paid satisfactory to resolve the balance for account number ***. *** *** has no further financial obligation for the above-referenced account
*** *** also states that she requests a refund for any interest paid. As noted above, Midland Credit has not charged any interest on account numbers *** or ***. Please note that due to overpayments received on account number ***, two refunds were issued in April and May of for $and $respectively. If *** *** has any documentation or information about any additional refunds due, Midland Credit respectfully requests she submits such information so that Midland Credit may investigate the matter further. In the meantime, *** *** has no further financial obligation for either account
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for any 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
*** ***
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 response states to communicate directly with the credit reporting bureausI have, and Midland continues to verify inaccurate informationThis account should not be reporting a "High Balance", Midland Funding is not a creditor and should not be reporting a "high balance"Midland Funding should not be reporting terms as I do not have any terms with Midland Funding, Midland Funding should not be reporting this account as "Type Loan", Midland Funding should not be reporting a "high credit “Midland Funding should not be reporting a “balance history”Midland Funding is reporting the account each month with a “Payment History”, this account is NOT a revolving line of creditThe account is being completely misrepresented and Midland Funding needs to correct the many errors reported by removing the accountMidland Funding is reporting all the inaccurate information not Equifax or Experian; therefore it is not acceptable to refer me to the credit bureaus, in which I have and Midland Funding continues to fraudulently verify inaccurate misleading informationThe response states I desire to the referenced account deleted since the debt has been “repaid” is and is not what I stated or requestedI desire to have the and inaccurate account removed because it is reporting falselyIf it is Midland Funding policy to report all accounts accurately then Midland Funding has FAILED, the referenced account is NOT reporting accuratelyThe response states if they were to delete the account its correct and accurate status would not be reflected?; it is NOT correct or accurate now! I will consider this complaint closed when Midland Funding removes this fraudulent account or I will pursue a lawsuit
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 resolvedThank you Revdex.com for your help!
Regards,
*** ***
Dear *** ***
lang="X-NONE">Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 1, 2016. Midland Credit appreciates the opportunity to answer your questions
Please note that Midland Credit Management requires additional time to fully investigate the matter and provide the information requested. Thank you for your understanding, and a response will be provided upon the conclusion of Midland Credit’s investigation
Thank you for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Hello,
Please find attached a copy of the signed and dated release form as requested
Thank you,
*** ***
Dear *** ***
lang="X-NONE">Thank you for your letter inquiry
regarding *** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
November 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 May 14, 2012.
Information provided by the seller, *** *** ***, at the time of acquisition indicates this account
was originated on March 10, as a ** *** *** and
*** *** 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 7, 2011. The balance at the time of purchase was $825.70. Final payment on the account was received by
Midland Credit on February 6, 2014. *** *** has no further financial
obligation for this account
*** asserts that Midland Credit has updated the dates on his consumer credit
files to reflect this account as new. Please
note that Midland Credit furnishes information on the accounts it acquires
based on the business records maintained by the original lender/seller, and the
payment history of each individual consumer.
While Midland Credit is pleased that it was able to assist *** *** in
reaching a resolution which resolved the balance for the above-referenced
account, 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.”
Midland
Credit has no control over the manner in which each credit reporting agency
decides to display information which is furnished to them. *** *** is encouraged to communicate
directly with the credit bureaus should he have any further concerns. Based on the law and guidelines governing
credit reporting, it would appear that the account information being furnished
is accurate. In addition, if *** *** obtained
his credit report from a compilation source, the information being reported may
appear to vary. The credit bureaus have
advised that it appears this way because they do not directly populate the
fields on credit reports pulled from any source other than directly from the
credit bureau itself
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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
*** ***
May 7,
0pt" class="MsoNormal">
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 April 24, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 8, 2012. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on June 3, 2005, 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 29, 2009. The balance at the time of purchase was $482.26. Final payment on the account was received by Midland Credit on March 13, 2013. You have no further financial obligation for this account
*** *** expresses a concern that she paid the above-referenced account in March of 2013, but that it still shows as an open account, in collections, and days past due as of April on her *** *** *** credit reports. Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies. Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.”
*** *** is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting. In addition, if *** *** obtained her credit report from a compilation source, the information being reported may appear to vary. The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself
*** *** also asserts that each time she disputes the information on her credit report, a new collections date is reported. Please assure *** *** that Midland Credit does not modify or alter any of the original account information provided by the seller, such as the name of the consumer, or the date of occurrence. Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/seller, and the payment history of each individual consumer.
*** *** expresses a desire to have the above-referenced account deleted from her consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist her in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies as “Account paid in full, was a collection account,” starting March 20, shortly after the final payment was received
Per *** ***’s previous request to have Midland Credit cease all communications, the above-referenced account will remain marked “Cease and Desist.” *** *** will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***. 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
class="MsoNormal" "TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt">October 10,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear Ms* ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 30, 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 21, 2013. Information provided by the seller, *** *** *** *** at the time of acquisition indicates this account was originated on June 12, 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 24, 2013. The balance at the time of purchase was $981.50. Final payment on the account was received by Midland Credit on May 28, 2014. *** *** has no further financial obligation for this account
*** *** expresses a concern that he has received calls times a day. Please assure *** *** that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. A review of Midland Credit’s business records indicates that Midland Credit did not call *** *** more often than is allowable pursuant to applicable law
*** *** also expresses a concern over information that he was advised during phone calls with Midland Credit representatives. A review of Midland Credit’s business records appears to indicate that *** *** was not advised that the account would be removed from his credit report once it had been paid. Midland Credit apologizes for any misunderstandings that may have happened regarding this account. A review of Midland Credit’s business records appear to indicate its representatives have acted appropriately
With that said, on October 3, 2016, a Midland Credit representative reached out to *** ***. During the phone conversation, *** *** was advised that an update would be sent to the credit reporting agencies to have the account information removed from his credit files. The confirmation number for the update that was sent to the credit reporting agencies is ***
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. With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** ***
December 4,
0in 0pt" class="MsoNormal">
VIA E-Mail
Ms*** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of Dr*** ***
Revdex.com# ***
MCM# ***
Dear Ms***:
Thank you for your letter inquiry dated November 20, 2014, regarding Dr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 30, 2012. Information provided by the seller, *** *** *** LLC, at the time of acquisition indicates this account was originated on May 31, 2007, as a *** *** account number ending in ***, in the name of *** Ajym, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2011. The balance at the time of purchase was $358.85. Final payment on the account was received on October 29, 2012. Dr*** has no further financial obligation for this account
Dr*** expresses a concern that *** added erroneous insurance charges to the account, and that Midland Credit agreed to remove the account from his consumer credit files in exchange for payment resolving the balance. Midland Credit has not received any documentation supporting Dr***’s claim, or any indication from the seller that charges on the account were inaccurate. Additionally, while Midland Credit is pleased that it was able to assist Dr*** in reaching a resolution which settled the balance for the above-referenced account, a review of its business records does not appear to indicate any agreement was made to remove the account from his consumer credit files as part of that resolution
With that said, in keeping with its Consumer-First policy, Midland Credit will fulfill Dr***’s request. While the account will continue to reflect a paid status within Midland Credit’s files, the three major credit reporting agencies have been notified to remove 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 Dr***
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
*** ***
The gentleman with the heavy accent is very rude and is harassing in his phone calls 2-times a day with a min of calls back to back it can not be legalHe called me a liar for no reason what so ever he knew more than a bill collector shouldHighly unprofessional am looking into lawsuits
Thank you for your letter inquiry dated September 30,
"">, regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail. Ms*** also emailed Midland Credit directly with additional concerns since your inquiry was submitted. Midland Credit appreciates the opportunity to answer your questions and will address other items raised in her direct disputes in this response
?
A review of Midland Credit’s business records indicates that Ms*** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney. If Ms*** is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly
?
Ms*** also filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on October 25, 2010. Information provided by the seller, HSBC Bank Nevada, N.A., at the time of acquisition indicates this account was originated on September 15, as a HSBC Bank Nevada, N.A./Best Buy MasterCard account number ending in ***, in the name of *** F ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on September 30, 2010. The balance at the time of purchase was $1,046.45.
?
Ms*** expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original. While Midland Credit is sensitive to Ms***’s concern Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller.
?
The open date listed on Ms***’s credit report is in fact the date of purchase by Midland Funding LLC. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
?
Ms*** is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting. In addition, if Ms*** obtained her credit report from a compilation source, the information being reported may appear to vary. The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself
With that said, a copy of the bill of sale is enclosed. A copy of a seller data sheet confirming the account was included in the purchase from HSBC Bank Nevada, N.Ais also enclosed. Additionally, a copy of a seller data sheet confirming the account was included in the purchase from HSBC Bank Nevada, N.Ais also enclosed
Ms*** also states that the last payment made to the account was in 2007. According to the information provided by the seller, the last payment was made on February 5, in the amount of $30.00. Additionally, a review of Midland Credit’s business records indicates the seven-year federal reporting period does not expire until March 2017. Please note that this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies. The account will still remain collectible, due and owing to Midland CreditAlso, Ms*** states in the previously mentioned email sent directly to Midland Credit that the first date of delinquency has been altered. Further review of Midland Credit’s business records indicate it has consistently reported the first delinquency date as March 11, and continues to accurately report the above-referenced account to the three major credit reporting agencies.
?
In an email to Midland Credit which was received on October 1, 2014, Ms*** also claims that the Statute of Limitations for the account should be three years, and not eight as indicated in Midland Credit’s previous response. Midland Credit stands by its original response The Statute of Limitations in Montana for Ms***’s account is eight years
?
If Ms*** is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance. Please have her call Account Manager Denise Longtin at (800) 825-ext*** to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance
?
In the meantime, Per Ms***’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms*** 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 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
*** ***
Enclosure
Please note, We are not CUSTOMERS of Midland Financial. They are looking for someone that has NEVER been associated with this phone number and will not stop calling the number with their automated phone dialers, even when asked
Regardless, I have faxed the release document
requested
***
Dear *** ***:
Roman';">
Thank you for your letter inquiry dated February 10, 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 two accounts belonging to you
Midland Credit became the servicer of account *** on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on March 21, 2013. Information provided by the seller, *** *** ***., at the time of acquisition indicates this account was originated on April 16, as a *** 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 March 5, 2013. The balance at time of charge-off was $336.24. The balance due as of February 21, including interest accrued and payments received is $
Midland Credit became the servicer of account*** on behalf of purchaser, Midland Funding, on January 18, 2011. Information provided by the seller, *** *** *** ***., at the time of acquisition indicates this account was originated on April 4, as a *** *** *** *** *** 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 February 5, 2010. The balance at time of charge-off was $703.82. The balance due as of February 21, including interest accrued and payments received is $
*** *** writes that she has been submitting payment amounts of $on each account, and requests a written confirmation of the repayment plan. Please note that Midland Credit is unable to provide such confirmation because it has not agreed to a repayment plan with *** ***. A review of Midland Credit’s business records indicates that *** *** has been voluntarily sending the $payments
With that said, Midland Credit ready to assist *** ***. To do so, *** *** must verbally agree to a repayment plan so that it can be entered into the system before Midland Credit is able to send a written confirmation. 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 *** *** at *** *** *** ***, to set up the repayment plan
Aside from the above, *** *** mentions a third account that is also receiving paymentsMidland Credit has only two accounts in the name of *** ***. Midland cannot discuss any matters concerning any consumer with a third party unless we have received the written authorization from that consumer. Both federal and state law mandates this limitation. Enclosed please find a written disclosure authorization form that we use for this purpose. Upon receipt of this fully executed form, Midland Credit will be able to discuss the specified matters relating to the authorizing consumer
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
*** ***
Enclosure
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Thank you for your timely response to my complaintI still believe the information provided to me incomplete and inaccurateI do not accept liability for this debtAlthough I would like to see this issue resolved, I would have to respectfully decline any offers to do so via phoneI will only accept written communication from Midland Credit Management, Incand its representatives in the resolution of this matterThank you again for your time
Regards,
*** ***
April
7,
Roman">
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 April 2, 2015. Midland Credit appreciates the opportunity to
answer your questions
An investigation
of this matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on April 30, 2013. Information provided by the seller, *** *** ***., at the time of acquisition indicates
this account was originated on November 30, 2011, as
a *** ***
account number ending in ***, in the name of *** ***, under the last
four of the social security number ***.
Subsequently, the credit card account was charged-off as an
unpaid delinquent-debt on April 5, 2013. The balance at the time of purchase was $300.15. Final payment on the account was received on June 20, 2014.
*** *** has no further financial obligation for this account
*** *** writes that one credit bureau is listing Midland as the original lender. Please note, Midland Credit does not report
as the original lender. Midland Credit reports
as a “Debt Buyer” to the three major credit reporting agencies, and has no
control over the manner in which each credit reporting agency decides to
display that information.
*** *** also states that the credit bureaus all reflect different origination
dates, account numbers, comments and notes.
Midland Credit does not alter or modify any of the original account
information provided by the seller, such as the name of the consumer, the date
of origination, or the date of occurrence.
Midland Credit reports the information on the accounts it services based
on the business records maintained by the original lender/seller. Midland Credit reports the same information
to all three major credit reporting agencies.
In
addition, *** *** indicates that one bureau is reporting like a revolving
account as over days late. Midland
Credit does not report accounts as “days late” to the credit reporting
agencies. Because *** *** paid the
account on June 20, 2014, Midland Credit notified the credit reporting agencies
that the balance is no longer owed, and reflects a $balance. Midland Credit’s business records indicate
that it is appropriately reporting the above-referenced account to the three
major credit reporting agencies as “Account
paid in full, was a collection account.” *** *** is encouraged to communicate directly with the credit bureaus should she
have any further concerns about the nomenclature that Midland Credit is
compelled to use in credit bureau reporting.
In addition, if *** *** obtained her credit report from a compilation
source, the information being reported may appear to vary. The credit bureaus have advised that it
appears this way because they do not directly populate the fields on credit
reports pulled from any source other than directly from the credit bureau
itself
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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 11,
class="MsoNormal">
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 dated August 29, 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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 29, 2011. Information provided by the seller, *** *** *** *** at the time of acquisition indicates this account was originated on September 2, 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 29, 2008. The balance at the time of purchase was $758.92. Final payment on the account was received on June 6, 2014. *** *** has no further financial obligation for this account
*** *** expresses a concern that she was told the account would be removed from her consumer credit files after she had paid the balance due. Midland Credit reviewed its business records for the account. There is no indication *** *** was ever advised the account would be deleted from her credit report following payment. Instead, it appears Midland Credit representatives advised her that the account would be reported with a paid status in response to her inquiries about credit reporting.
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 must respectfully conclude that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
9/1/
*** POS PUR 08/08:MIDLANDCREDITMAN *** GB *** ***
Professional Services($84.00)This is what is on m
y bank statement I will not be providing an actual copy of my bank statement to them If there is, in fact, an additional fee, I should
have been informed of such It seems to me they charged me $84, no charge came from my bank
In the past with international exchange rates, it shows as a separate line item
Sincerely,*** ** ***
Yes, I have a account with Midland Credit ManagementI have been trying to pay my account off and they said their home base is in Great Britain I have got three different number and two difference addressWhen you call they ask if you want to speck to an English personWell, you dont get oneyou can not understand themI have tried times with debt card and it was not accept I have called or time and they give me a round around every timeThey ask me to send a money gram, money order or a checkThey will not accept a debt card and they say you can pay it on line and it refuse every timeI dont owe but but I can not get it paid offI have been scam once before and so afraid this is what is happening
I cannot confirm as I can no longer access those recordsHowever, I have only had one collections account for which *** was the original creditorIn this particular complaint, as mentioned, I have referred directly to ***'s original documentation from past credit reportsThey are no
longer reporting it on any of my credit reports, as the Date of First Delinquency/Date of Last Activity are listed as December Thank 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.Midland only states dates Send me the proof and every single letter They have mailed??? Probably can't do that right? Because Midland is a JDB! Anyone can provide dates Two years and you cannot provide details to my attorney or court Hmmm that is not a surprise They clearly thought they would get a default judgement like the hundreds of lawsuits in my countyYou should delete this until litigation is complete We have our defense against you which I cannot disclose but if you really have a case delete this until proven guiltyI have provided the ** AG this latest complaint and will do the same for the CFPB.
My request is to have this deleted.
Regards,
*** ***
Dear *** ***
lang="X-NONE">Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 30, 2016. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of account number *** on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 30, 2014. Information provided by the seller, *** *** ***., at the time of acquisition indicates this account was originated on November 23, 2007, as a ***/*** credit 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 June 13, 2014. The balance at the time of purchase was $308.48. Final payment for the account was received on March 16, 2016. *** *** has no further financial obligation for account no***
Midland Credit became the servicer of account number *** on behalf of purchaser, Midland Funding, on December 17, 2015. Information provided by the seller, *** *** *** *** ***(“*** ***”), at the time of acquisition indicates this account was originated on September 3, 2010, as a *** *** *** *** *** 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 29, 2013. The balance at the time of purchase was $197.79.
*** *** states that she was working with a debt consolidation program to resolve the balances for the above-referenced accounts. She expresses a concern that she was given wrong balance information for account number ***, and believes that Midland Credit has charged interest on the account
Regarding account number ***, a review of Midland Credit’s business records indicates that the account was charged-off with a balance of $574.15. Additional payments to *** *** after the charge-off date resulted in a balance at the time of purchase of $197.97. Midland Credit received five payments forwarded by *** *** totaling $103.00, which were made directly to *** *** between January and May of 2016, resulting in a remaining balance of $
Please note that Midland Credit management has not charged any interest toward the balances of your accounts. In keeping with its Consumer-First policy, Midland Credit made the business decision to consider the amounts paid satisfactory to resolve the balance for account number ***. *** *** has no further financial obligation for the above-referenced account
*** *** also states that she requests a refund for any interest paid. As noted above, Midland Credit has not charged any interest on account numbers *** or ***. Please note that due to overpayments received on account number ***, two refunds were issued in April and May of for $and $respectively. If *** *** has any documentation or information about any additional refunds due, Midland Credit respectfully requests she submits such information so that Midland Credit may investigate the matter further. In the meantime, *** *** has no further financial obligation for either account
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for any 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
*** ***
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 response states to communicate directly with the credit reporting bureausI have, and Midland continues to verify inaccurate informationThis account should not be reporting a "High Balance", Midland Funding is not a creditor and should not be reporting a "high balance"Midland Funding should not be reporting terms as I do not have any terms with Midland Funding, Midland Funding should not be reporting this account as "Type Loan", Midland Funding should not be reporting a "high credit “Midland Funding should not be reporting a “balance history”Midland Funding is reporting the account each month with a “Payment History”, this account is NOT a revolving line of creditThe account is being completely misrepresented and Midland Funding needs to correct the many errors reported by removing the accountMidland Funding is reporting all the inaccurate information not Equifax or Experian; therefore it is not acceptable to refer me to the credit bureaus, in which I have and Midland Funding continues to fraudulently verify inaccurate misleading informationThe response states I desire to the referenced account deleted since the debt has been “repaid” is and is not what I stated or requestedI desire to have the and inaccurate account removed because it is reporting falselyIf it is Midland Funding policy to report all accounts accurately then Midland Funding has FAILED, the referenced account is NOT reporting accuratelyThe response states if they were to delete the account its correct and accurate status would not be reflected?; it is NOT correct or accurate now! I will consider this complaint closed when Midland Funding removes this fraudulent account or I will pursue a lawsuit
Regards,
*** ***