Midland Credit Management

I was called to collect a debt by Midland and authorized them to make a one time withdrawal of $On November 9,which they didBut then they withdrew the same agreed upon amount a second time which I had not authorized on November 10,I called them on the 11th and was told that they had sent the reversal at 3:pm November 10thSo I proceeded to to call wellsfargo on November 11th and investigate further and was informed that no such reversal request had occurredWatch closely when dealing with Midland

Dear [redacted] Thank you for your follletter inquiry dated February 14, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all the relevant account information in its previous letter response to your office dated February 10, In her foll [redacted] writes that Midland Credit is reporting inaccurate information on her consumer credit files, namely listing the account as a “key derogatory.” Please note that Midland Credit’s business records indicate that it is accurately reporting the above-referenced account to the credit reporting agencies as required Midland Credit is not reporting the account as “key derogatory.” The credit bureaus determine which accounts should be marked as a “key derogatory.” In addition, it is Midland Credit’s understanding that only the consumer can see the notation of “key derogatory.” [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns regarding the “key derogatory” notation [redacted] also requests verification information Please note that Midland Credit’s position has not changed However, while not required, a copy of the bill of sale verifying Midland Funding as the rightful owner of the account is enclosed for her records Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] ’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act With that said, in keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ’s account has been referred to Account Manager [redacted] Please have [redacted] call [redacted] ***, to discuss repayment options Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

August 11, **n> VIA E-Mail**n> **n> [redacted] n> Revdex.com of San Diego**n> Murphy Canyon, Ste110**n> San Diego, CA 92123**n> **n> Re: **n>Consumer complaint of [redacted] n> Revdex.com# [redacted] n> **n>MCM# [redacted] n> **n> Dear [redacted] n> **n> Thank you for your **n>foll**n>letter inquiry regarding **n> [redacted] complaint, which **n>Midland Credit Management, Inc(“Midland Credit”) **n>received **n>August 1, 2016**n> **n>Midland Credit appreciates the opportunity to answer your questions.**n> **n> While Midland Credit made the business decision to remove prior interest accrued on the account, [redacted] states that the interest charged was not in accordance with the maximum 6% interest rate allowable under Pennsylvania law **n>Midland Credit respectfully maintains that it applied interest to the account in accordance with applicable state interest laws**n> **n> [redacted] continues to express concern about how the account is appearing on her credit report, namely that she indicates that Midland Funding is listing itself as a ‘retail creditor,’ and also provides a copy of her credit report **n>As stated in its previous responses, Midland Credit does not furnish information for accounts as a ‘retail creditor’ to the credit reporting agencies **n>After reviewing the documentation provided by [redacted] , the account is appearing on [redacted] ’s credit report with a notation that indicates the Creditor Classification as a Retail account **n>**n> **n> To clarify, Midland Funding has been advised and required by the credit reporting agencies to furnish such information, indicating the classification of the debt as it originated with the original creditor **n>However, this information is to provide classification of the original debt, and not that Midland Funding or Midland Credit are retail creditors**n>Midland Credit does not furnish information indicating that it is a retail creditor **n>Midland Credit’s business records indicates that the account information it has furnished to the three major credit reporting agencies is accurate.**n> **n> With that said, **n>in keeping with its Consumer-First policy, Midland Credit **n>has **n>made the business decision to close the account **n>There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account **n>In addition, the three credit-reporting agencies will be notified to delete Midland Funding’s reference to the collection account in question from **n> [redacted] consumer credit files.**n> **n> Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights **n>Midland Credit apologizes for the inconvenience caused to [redacted] .**n> **n> Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.**n> **n> Sincerely, **n> **n> Midland Credit Management, Inc.**n> [redacted] n> Corporate Counsel, Legal Affairs & Compliance**n> *Admitted in Colorado; Registered In-House Counsel in California**n> **n> [redacted] ***n>

November 17, 2014 0in 0pt"> VIA E-Mail Ms. [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of Billy [redacted] BBB# [redacted] MCM# [redacted] Dear Ms. ***: Thank you for your letter inquiry dated November 3, 2014, regarding Mr. [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 23, 2013. Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on June 12, 2008, as a [redacted] cellular account number ending in ***, in the name of B [redacted] , under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 29, 2012. The balance at the time of purchase was $109.73. Final payment on the account was received on October 27, 2014. Mr. [redacted] has no further financial obligation for this account. Mr. [redacted] questions whether the account is collectible due to the expiration of the statute of limitations. A review of Midland Credit’s business records indicates that the statute of limitations does not expire until October 27, 2018. However, the passing of the statute of limitations does not extinguish the validity of the debt. Rather, it eliminates litigation as a potential remedy. Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt. It only prevents the account from being reported to the credit reporting agencies. A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for this account does not expire until March 2019. Mr. [redacted] also questions the alleged conduct of certain Midland Credit employees. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights. Mr. [redacted] states that when he called to settle the account, the representative refused to accept payment. Please note that the alleged conduct described by Mr. [redacted] has been investigated. On October 27, 2014, due to a previous communication restriction requested by Mr. [redacted] , the Midland Credit representative was unable to transfer the account to an Account Manager to take payment and ownership of the account. Mr. [redacted] was advised to send a letter authorizing the removal of the restriction. That same day, Midland Credit received Mr. [redacted] ’ faxed letter and the communication restriction was removed. Mr. [redacted] subsequently settled the account, and thus has no further financial obligation for this account. Furthermore, Mr. [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist Mr. [redacted] in reaching a resolution which settled the balance of his account, it is Midland Credit’s policy to report all accounts accurately. Midland Credit is accurately reporting the account as “Account paid in full, was a collection account” with an additional memo which states, “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] , Esq. Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

December 22, VIA E-Mail [redacted] [redacted] [redacted] [redacted] Dear [redacted] : Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 15, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 18, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account originated on September 22, as a [redacted] / [redacted] credit card with an account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 9, The balance at the time of purchase was $1, On August 9, the account was placed with [redacted] for servicing [redacted] claims that Midland Credit did not send her a validation letterOn March 28, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) [redacted] also alleges that Midland Credit filed a lawsuit and obtained a default judgment against her without serving her with a Notice to AppearSessoms Law advises that it mailed [redacted] a Demand Letter on September 8, 2015, followed by a Notice of Intent to file Legal Action on September 16, Please note that both of these letters were also mailed to the same address listed within [redacted] complaint Sessoms Law indicates they did not receive a response to either letter As a result, suit was subsequently filed on November 4, [redacted] was served by the Sheriff’s Office on November 5, 2015, and judgment was obtained on January 6, Copies of the letters as well as a copy of the judgment are enclosed for [redacted] records [redacted] also states that she does not owe money to Midland Credit as she has no contract with Midland CreditPlease note that the account was purchased from the seller with all rightsWhen a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser, Midland Funding, has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding [redacted] further states that the account should have been removed from her credit report in as the account had been opened longer than seven years at that pointPlease note that the seven-year Federal reporting period is not based off of how long the account has been opened, but rather it is based off of the date of first delinquencyA review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in August, Additionally, the expiration of the seven-year Federal Reporting period does not extinguish a debt It only prevents the account information from being furnished to the credit reporting agenciesA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Midland Credit encourages [redacted] to work with Sessoms Law to assist in reaching a positive resolution [redacted] may reach [redacted] *** Their phone number is [redacted] Per [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, she will continue to not receive contact from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] .Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] [redacted] Enclosure

Dear [redacted] 0in 0pt"> Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 9, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] which are being reported to the credit reporting agencies Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 12, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on January 23, 2006, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 18, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on June 26, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on June 24, 2007, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 29, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding, on January 13, Information provided by the seller, [redacted] **, at the time of acquisition indicates this account was originated on August 7, 2007, as a [redacted] account number ending in 8890, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 6, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored Midland Credit mailed [redacted] separate and unique validation letters – on October 11, 2009, for account no [redacted] on November 12, for account no [redacted] , and on January 21, 2011, for account no [redacted] These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] with regard to account no [redacted] on February 26, and with regard to account no [redacted] on January 30, No correspondence was received directly from [redacted] with regard to account no [redacted] prior to the complaint filed through your office None of these can be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies Although the request is not timely, a copy of the verification information provided by the seller for account no [redacted] is enclosed for [redacted] ***’s records If [redacted] is ready to resolve these debts, she may qualify for a reduction in her account balances Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balances Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below It seems as though Midland did not read my original complain in it's entirety and sent me a "fill in the blanks" response to my complain, as it is CLEARLY stated in my original complain that I did not obtain my credit report from a third party or compilations source and included proof in my original complain from each of the credit bureau's of Midland's "days past due" and one month term loan inaccurate reportingI obtained these reports directly from each credit bureau itselfI also stated that I had already contacted and disputed the way this account is reporting the days past due, inaccurately and as a one month term loan which is also inaccurate and illegal, as Midland is not a creditorI am disturbed at Midland's incompetence, and audacity to advice me to do all of which I had clearly sated in my original complain, I had already done I appreciate Midland's "encouragement to communicate" with the credit bureau's directly regarding this issue, but if Midland would have taken the time to thoroughly read and response to my individual complain instead of filling in the blanks where appropriate, they would have realized I already did all of Midland's "encouraged" actionsAs it was clearly stated in the original complainI already contacted the credit bureaus disputed the way it reports as a one month loan with day lates through each bureau, yet Midland continues to validate the "one month term loan" and report days past due as a one month loan, which is violates my rights Midland is not a creditor and therefore cannot report this account as a one month loan or a days past dueThis is my last attempt at resolving this matter and getting the account removed from all my credit bureau reports and the account closed, before I seek legal retributions and contact the CFPB, FTC, Attorney General, the State Senator, for violating my rights and reporting inaccurately and blaming it on everyone elseI will also not hesitate to contact the local and national media and anyone else that will listen regarding Midland's business practices and violations of my rightsIt only takes a few minutes to read through all of hundreds of complains against Midland here at the Revdex.com, to realize their more then questionable business practices, willful negligence and habitually, repeatedly, deliberate violation of people's legal rights Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] HelloI do not accept there responseThis company is possibly still furnishing information about this account to the credit reporting agencies, not in the sense of Midlands account number, but the original creditors trade line ending in [redacted] I would just like confirmation from Midland that they are not providing any furnished information in any way to the credit reporting agencies and I will close this accountThank You

Dear M [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] *** Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 31, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 17, 2010, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 1, The balance at the time of purchase was $ Final payment on the account was received on May 10, [redacted] has no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 10, 2007, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 12, The balance at the time of purchase was $ As indicated above, after [redacted] had resolved the balance for account no [redacted] , Midland Funding subsequently purchased a separate account from [redacted] and assigned it to Midland Credit for servicing It appears that attempts to collect on the second account may be the basis for his concerns [redacted] also expresses a concern that Midland Credit representatives have contacted him excessively Please assure [redacted] 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 [redacted] more often than is allowable pursuant to applicable law If [redacted] is ready to resolve account no [redacted] , [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as resolve the account balance In the meantime, per [redacted] ***'s concerns about receiving calls and letters from Midland Credit, account no [redacted] has been marked “Cease and Desist.” While it remains due and owing, [redacted] 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 [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

May 21, Roman"> VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 8, Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If [redacted] 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 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 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 15, 2007, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 22, The balance at the time of purchase was $1, [redacted] expresses concern that Midland Credit representatives refused to provide her with validation documentation A review of Midland Credit’s business records indicates that [redacted] spoke with Midland Credit representative [redacted] twice on April 9, Midland Credit’s review of the conversations does not appear to indicate that [redacted] refused to provide [redacted] with validation documentation Midland Credit sent [redacted] a validation letter on May 1, The letters were mailed to [redacted] via the United States Postal Service The letters were not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In the letters, Midland Credit provided the required disclosure of rights set forth in the FDCPA The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) The complaint [redacted] filed was received in a timely manner pursuant to applicable law Upon receipt, Midland Credit acknowledged [redacted] ***’s dispute and annotated the account as disputed Midland Credit has received verification information from the seller, a copy of which is enclosed for [redacted] ***’s records In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ***’s account has been referred to Account Manager [redacted] Please have [redacted] or her attorney call [redacted] to assist her in reaching a resolution of the account balance In the meantime, pursuant to [redacted] ***’s request to cease collection activities, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] 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 [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 3, 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 19, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 20, 2007, as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 26, The balance at the time of purchase was $1, Final payment on the account was received on June 24, [redacted] has no further financial obligation for this account [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid While Midland Credit is pleased that it was able to assist [redacted] 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 A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] class="MsoBodyText3">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 19, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] ***:> Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

lang="X-NONE">Dear Ms. ***: Thank you for your letter inquiry regarding Mr. ***’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 27, 2015. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 27, 2012. Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on July 21, 2002, as a T-Mobile cellular account number ending in ***, in the name of Kenneth D ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 8, 2012. The balance at the time of purchase was $1,198.74. Final payment on the account was posted to the account on January 8, 2015. Mr. [redacted] has no further financial obligation for this account. Mr. [redacted] expresses a concern that he received a letter from Midland Credit requesting payment after he had paid to resolve the account balance. On December 5, 2014, a letter was sent to him offering the option to submit a payment for less than the full balance by January 7, 2015 in order to consider the debt resolved. Upon receipt and processing of his check, Midland Credit posted the $479.49 referenced in his complaint to the account on January 8, 2015. Although the payment was not received within the specified timeframe, Midland Credit subsequently made the business decision to accept his payment using the terms provided in the December 5, 2014 offer letter. A letter advising Mr. [redacted] the account balance had been resolved was mailed to him on February 4, 2015. As Midland Credit had not been notified a payment was forthcoming, and the payment had been posted after the expiration date of the offer, Mr. [redacted] was sent the letter he references in his submission to your office on January 9, 2015. Please note the files of accounts which receive marketing letters are built and sent to Midland Credit’s mail vendor 1-2 days prior to the actual send date of the letter to ensure there is enough processing time at the mail house. Final scrubs are conducted to look for changes in account status, such as in Mr. ***’s case. However, if the status change occurs too close to the send date there is chance that a small number of accounts with late status changes receive marketing letters. That appears to be the case here. Please note, although his submission indicates he spoke with Midland Credit on January 21, 2015, there is no indication Midland Credit has spoken with Mr. [redacted] since April 12, 2013. Regardless, he may disregard the letter sent January 9, 2015. As indicated above, Mr. [redacted] has no further financial obligation on the above-referenced account. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. ***. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) [redacted] ext. *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Esq. Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and 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, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 21, 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 1, Information provided by the seller, [redacted] at the time of acquisition indicates this account originated on December 12, 2007, as a [redacted] credit card account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 16, The balance at the time of purchase was $2, [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit Consumers are sometimes unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding [redacted] expresses a concern that he has not received anything indicating that he owes money to Midland Credit On May 16, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on August 16, In response, a letter was sent to [redacted] on August 19, 2016, along with a copy of the verification information provided by the seller Midland Credit received a subsequent letter from [redacted] on September 22, As verification information had recently been sent to [redacted] , Midland Credit responded with a letter requesting he provide more information regarding the basis of his dispute Midland Credit received an additional letter from [redacted] on November 1, Midland Credit once again responded requesting that he provide additional information regarding his concerns A copy of the verification information provided by the seller is once again enclosed for [redacted] ’ records Please note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA 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 If [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance [redacted] may call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of his account balance Per [redacted] ’ previous request to no longer receive communication, the above-referenced account will remain marked “Cease and Desist.” While the account remains due and owing, [redacted] will no longer receive contact from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] *** Enclosure

Dear [redacted] Roman">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 22, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 18, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on March 11, as a [redacted] credit card account number ending in [redacted] in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 6, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on July 9, [redacted] has no further financial obligation for this account [redacted] expresses concern that the above-referenced account is reporting as “ days or more than four payments past due” on his consumer credit files Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not furnish information that accounts are “days or payments past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will furnish an account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns about the nomenclature that Midland Credit is compelled to use In addition, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry dated December 2, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Midland Credit was notified that it was calling the wrong party on November 28, [redacted] phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account at that time and no calls have been attempted since November 28, [redacted] will continue to not receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Roman"> Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 8, 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 February 16, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on May 29, 2008, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 18, The balance at the time of purchase was $1, While not the only item of concern, [redacted] writes that when she contacted the original creditor, the representative advised her that no information could be provided Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] ***, the representative of the original credit provider may not have had access to the pertinent account information [redacted] further expresses a concern that she is not familiar with the account On July 22, 2010, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies [redacted] ***’s letter references a requirement that the original creditor respond to her dispute within days, and that the account was inappropriately transferred to Midland Funding If [redacted] has further information as to when she disputed the account with the original creditor, or documentation establishing her initial dispute, Midland Credit respectfully requests that [redacted] forward such information so that it may investigate the matter further With that said, as [redacted] writes that the account may have been opened by her ex-husband, Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized She may forward appropriate documentation to Consumer Support Services at the address on this letterhead Per [redacted] ***’s request for collection attempts to cease, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Additionally, [redacted] references phone number [redacted] as a ‘ [redacted] ’ phone number that is no longer valid While neither Midland Funding nor Midland Credit have any affiliation with a [redacted] , the phone number [redacted] is valid phone number in use by Midland Credit Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

March 3, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 17, Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 6, [redacted] writes that he will be escalating the matter to a government agency As stated in its previous response, Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the accountThere will continue to be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies were notified to delete all reference to the account in question from [redacted] consumer credit files Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***