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Midland Credit Management Reviews (318)

September 21, 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 follow up letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 15, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated September 14, [redacted] continues to express a concern that he was advised that the collection account would be removed from his credit report after it was paid In response to [redacted] ’s continued inquiry, a Midland Credit representative reached out to him regarding his concerns on September 16, In keeping with its Consumer-First policy, Midland Credit made the business decision to remove the collection tradeline from his consumer credit files The three credit-reporting agencies have been notified of this request 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] ***

Thank you for your letter inquiry dated July 1, New Roman';">, regarding Ms***’ 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 Ms [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 include the same information as the responses which Midland Credit previously provided the CFPB, a copy of that response 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 May 14, Information provided by the seller, Equable Ascent Financial, LLC, at the time of acquisition indicates this account was originated on March 1, as a GE Money Bank/JC Penney 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 August 10, The balance at the time of purchase was $1, A review of Midland Credit’s business records indicates that on October 20, 2013, this account was outsourced to Midland Credit’s Internal Legal Collections Department (“Internal Legal”) Their mailing address is PO Box 939033, San Diego, CA Their telephone number is (866) 626-I have forwarded them a copy of Ms***’ complaint A review of Internal Legal’s business records indicates that suit was appropriately filed against Ms [redacted] on January 23, and service took place on March 4, Ms [redacted] subsequently filed an answer which was received on March 24, Ms [redacted] expresses concern that litigation continued after she had settled the debt in full Further review of Internal Legal’s business records indicates that on April 4, it received correspondence from Ms [redacted] which offered a payment of $ to settle the accountIn response to that offer, Internal Legal mailed Ms [redacted] a letter on April 14, offering to accept a settlement of $ Internal Legal has advised that after the settlement letter was sent to her, they did not receive any calls or a letter from Ms [redacted] expressing her desire to accept the settlementAs such, when a payment was received the system did not recognize the payment as a settlement in full which caused the litigation to continue With that said, Internal Legal is currently taking the necessary steps to dismiss the case with prejudice and to close the account to reflect a paid statusThere will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from Ms***’ consumer credit files Midland Credit respectfully declines Ms***’ request for monetary compensation Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact our Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] 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 I do not agree with what this company has saidThey are currently reporting these accounts as being open and active which is affecting my creditFor accounts that have been closed and charged off they cannot change the account number and report them as being activeI have not opened any accounts with this companyThey need to contact the credit companies and report that these accounts are closedIt is illegal to change account numbers and dates of when the accounts have been opened this is also very unethical practiceMaybe this is why they have so many complaints and fines against them Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry dated May 13, 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 An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 4, 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 February 18, The balance at the time of purchase was $1, [redacted] expresses a concern that her validation request was ignored, and requests the account be deleted from her consumer credit files A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on September 30, 2009, 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”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter 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 With that said, please note that while Midland Credit has acted timely and appropriately, Midland Credit previously made the business decision to close the account Midland Credit has not been reporting the account to the credit reporting agencies since November 18, Prior to receiving the complaint from your office, Midland Credit received [redacted] ***’s correspondence as mentioned within her complaint, and mailed [redacted] a letter on April 28, confirming the tradeline was deleted 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] ***

Please confirm receipt of the attached release formThanks in advance for your assistanceSincerely, Kenneth ***

Dear [redacted] ***: Thank you for your letter inquiry dated August 13, 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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 12, 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 October 13, The balance at the time of purchase was $ On July 31, 2011, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received 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] expresses a concern that he told [redacted] to disconnect and terminate his service in October of However, as indicated above, the account was opened in November of Additionally, a review of Midland Credit’s business records indicates that in a phone conversation on February 23, 2013, [redacted] advised a Midland Credit representative that he had paid this debt in Further review of its business records indicates no supporting documentation of the debt being paid prior to its sale to Midland Funding has been received by Midland Credit With that said, Midland Credit stands ready to assist [redacted] in clearing his record if Midland Credit is somehow attempting to collect an account which was resolved prior to Midland Credit becoming the servicer, and requests that he provide documentation or evidence which substantiates [redacted] ’s claim [redacted] may forward the appropriate documentation to Consumer Support Services at the address on this letterhead In the meantime, per [redacted] ’s request, 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] ***

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 10, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of four accounts belonging to [redacted] however, only three of those accounts were mentioned in the complaint Account information for the fourth account is included for [redacted] information Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on July 20, Information provided by the seller, [redacted] ***at the time of acquisition indicates this account was originated on March 31, as a [redacted] *** [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 March 19, The balance at the time of purchase was $ Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, LLC, on July 20, Information provided by the seller, [redacted] ***at the time of acquisition indicates this account was originated on November 4, as a [redacted] *** [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 March 11, The balance at the time of purchase was $ Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, on July 20, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 17, as a [redacted] *** [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 March 19, The balance at the time of purchase was $ Midland Credit became the servicer of account number [redacted] on behalf of purchaser, Midland Funding, on May 28, There was no reference to this particular account in [redacted] complaintWith that said, information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 15, 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 March 31, The balance at the time of purchase was $ [redacted] expresses a concern that her requests for validation have been ignored Midland Credit mailed [redacted] separate and unique validation letters – on August 10, 2015, for account numbers [redacted] , [redacted] These letters informed her that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in 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 received three pieces of correspondence from you, in January 2016, requesting validation of account numbers [redacted] , [redacted] Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] letters for each account on February 3, 2016, advising her Midland Credit had determined that its credit file, and the information it is furnishing for each of the above-referenced accounts, was accurate Upon receipt of [redacted] ’s subsequent dispute, regarding account numbers [redacted] , [redacted] , Midland Credit acknowledged [redacted] ’s dispute, annotated the accounts as disputed, and has ceased collection efforts while it is in the process of verifying the debts Please note that Midland Credit requires additional time to fully investigate the matter and provide the information requestedOnce Midland Credit has obtained verification of the debts, copies will be mailed to your office Additionally, Midland Credit is not furnishing account information to the three major credit reporting agencies, in fact the trade lines for the account numbers referenced in the complaint were deleted on February 29, Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Revdex.com: 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 belowProvided credit card statements from Account Number demonstrates that the balance is $21,062, Please provide details on how the alleged amount of $26,was calculated, MCM has been reporting this balance against this account to all credit reporting agencies on my credit report As per Sunga vRees Broome, P.C., U.SDistLEXIS (August 12, 2010), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices ActThe FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debtSee U.S.C§ 1692e Once MCM provides the requested documentation, I will require days to investigate the informationIf MCM does not respond to this request within days, all references to this account must be deleted from my credit reports and completely removed from my credit fileSend a copy of any such deletion request to me Regards, [redacted]

Dear [redacted] ***: Thank you for your follletter inquiry dated October 29, 2014, regarding [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 Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 23, In [redacted] ’s most recent complaint, he provided further description regarding his current situation and reiterated his discontent with [redacted] *** (“ [redacted] ***”) As stated in its previous response, Midland Credit is sensitive to [redacted] ’s situation However, Midland Credit was not previously made aware of any financial hardships, physical disabilities, or any other reason that would preclude [redacted] from being able to work with Midland Credit or [redacted] representatives to resolve the above-referenced accounts As account no [redacted] is directly serviced by Midland Credit, it remains marked “Cease and Desist.” While the account remains due and owing, [redacted] will not receive correspondence or calls from Midland Credit representatives unless a response is required by law When [redacted] is ready to settle the debt, he may contact Midland Credit Account Manager Denise Longtin at [redacted] to discuss repayment options Midland Credit maintains its position that [redacted] has acted appropriately in its attempts to contact [redacted] regarding account no [redacted] As explained in Midland Credit’s previous response, service was completed by posting court documents to [redacted] ’s home This was approved by a judge after [redacted] proved that [redacted] had avoided previous service attempts As [redacted] has not received any direct communication from [redacted] that would indicate an inability to pay, Midland Credit again encourages [redacted] to work with [redacted] to assist in reaching a positive resolution for this account While account no [redacted] also remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit or [redacted] representatives unless a response is required by law, or it is for a specific purpose related to its legal efforts.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] ***

August 28, 2014> 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 dated August 14, 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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 4, 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 March 5, The balance at the time of purchase was $ [redacted] sent in full payment of $111.87, which was posted to the account on May 21, On or about July 26, 2013, Midland Credit received notice from the seller that the account was sold in error, having been paid prior to its sale to Midland Funding The account has since been recalled to the seller [redacted] expresses a concern that Midland Credit representatives were rude to her and that she has yet to receive the refund she had been advised would be sent to her Midland Credit has finished conducting its investigation regarding the alleged conduct of its employeesIt has not determined that its representatives acted rudely, however, there was confusion on which company would be providing [redacted] with her refund which is the reason she has yet to receive it Midland Credit apologizes for this and is currently expediting the refund to [redacted] via FedEx to her home address provided within the complaint Although such refunds typically can take four to six weeks, the refund is expected to be mailed out within the next business days Additionally, [redacted] expresses concern that the account was reported to the credit bureaus A review of Midland Credit’s business records indicates that following receipt of her payment, the account was appropriately updated to reflect a paid status with the credit reporting agencies However, upon receipt of the recall notice from the seller, it appears that although the account was properly adjusted within Midland Credit computer system, the update to remove the account from ** [redacted] ’s consumer credit files may not have been applied as intended With that said, a notice of possible dispute of the credit reporting was received by Midland Credit from [redacted] in March of at which time the credit-reporting agency was advised to delete the account In order to reconfirm the above-referenced account is no longer being reported to any of the three credit-reporting agencies, an instant update was sent to them on August 26, to delete any remaining reference to the above-referenced account from [redacted] ’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [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] ***

November 20, 0in 0pt"> VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry 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 September 26, Information provided by the seller, [redacted] LLC, at the time of acquisition indicates this account was originated on May 7, 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 December 22, The balance at the time of purchase was $749.70, which is the charge-off balance of $599.76, and $ in seller fees Mr [redacted] expresses concern that he requested validation documentation and did not receive it Midland Credit sent Mr [redacted] a validation letter on October 8, In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in 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 received first notice of possible dispute from the credit reporting agencies on August 7, Midland Credit responded by mailing Mr [redacted] verification documentation on August 25, Midland Credit received the first written correspondence from Mr [redacted] on September 15, Neither 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 a notice at the time, Midland Credit appropriately proceeded with efforts to contact Mr [redacted] and collect the debt Based on the information Mr [redacted] provided in his correspondence, and pursuant to the Texas Finance Code, Midland Credit responded by sending him a letter advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate A copy of the verification documentation which was previously mailed to Mr [redacted] is again enclosed for his records If Mr [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance Please have Mr [redacted] call Account Manager [redacted] at (800) 825-ext [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance In the meantime, per Mr [redacted] ’s previous request, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, Mr [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of Mr [redacted] ’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] 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 [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Hi, The complaint filed on May 4th was for an account separate to this oneFurther review and request to Midland about this newly discovered account has been unansweredThe account number on my credit report [redacted] Thanks, ***

March 1, 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 February 16, 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 18, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 26, 2011, 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 2, The balance at the time of purchase was $ [redacted] expresses a concern that she has not had a credit card for over years On June 29, 2012, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) 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 began receiving notices of possible dispute from the credit reporting agencies in October Midland Credit’s business records further indicate that it received the first correspondence requesting validation from [redacted] on September 30, Midland Credit has appropriately responded to the disputes it has received regarding this account With that said, verification information provided by the seller has been sent to [redacted] in response to disputes, most recently on November 9, Another copy of that information is enclosed for [redacted] ’s 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] indicates that her identity has been compromised by family members on two occasions 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 [redacted] can also contact Midland Credit online at [redacted] , where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead Per [redacted] ’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] 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 [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 March 26, 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 An investigation of this matter indicates that Midland Credit is the servicer of four accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on November 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 28, as a [redacted] *** [redacted] 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 July 20, The balance at the time of purchase was $2, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on October 31, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 5, 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 December 17, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on July 20, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 21, 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 20, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on August 11, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on June 5, 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 22, The balance at the time of purchase was $6, Shortly after Midland Funding acquired the above-referenced accounts, Midland Credit sent separate and unique validation letters to [redacted] – on December 6, for account no [redacted] , November 8, for account no [redacted] , July 24, for account no [redacted] , and August 16, for account no [redacted] Please note that the letters were not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the Fair Debt Collection Practices Act (hereinafter “FDCPA”) were satisfied In said letters, Midland Credit informed [redacted] that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) 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 at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts Midland Credit’s business records indicate that it has also not received any correspondence from [redacted] pursuant to the [redacted] Finance Code Based on the information provided by the seller, Midland Credit has determined that its credit files and credit reporting of the above-referenced accounts are accurate [redacted] expresses a concern that Midland Credit representatives have been calling his cell phone and not leaving messages within the past monthPlease note that Midland Credit was not notified of [redacted] ’s desire to no longer receive phone calls until receipt of this complaint A review of Midland Credit’s records indicates between January 1, and March 14, calls were placed regarding account numbers [redacted] and [redacted] at days and times allowable by applicable law The last call to [redacted] was placed on March 14, Further review of its business records indicate no calls were placed to the phone number provided by [redacted] regarding account nos [redacted] and [redacted] since January 1, In reference to his concern about not leaving messages, Midland Credit takes its obligations under the FDCPA extremely seriouslyIt is Midland Credit’s policy to not leave voicemail messages for a consumer without having previously spoken to the consumer so that Midland Credit can ensure it is not leaving a voicemail message on an incorrect phone number for the consumer Midland Credit’s business records indicate [redacted] verbally disputed account number [redacted] on March 12, This is the only account Midland Credit has been notified he is disputingWhile Midland Credit has acted timely and accordingly within the requirements of applicable law, in keeping with its Consumer-First policy, Midland Credit acknowledges [redacted] ’s dispute of account no [redacted] Midland Credit and has ceased collection efforts, annotated the account as disputed, and is in the process of verifying the debt Additionally, Midland Credit will suspend further reporting of the account to the three credit reporting agencies until it is able to provide your office with verification of the debt Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office and at that point, this account may still be reported on [redacted] ’s credit report as unpaid In the meantime, should [redacted] have any questions, please have him contact Consumer Support Services at [redacted] Midland Credit will be closing its investigation of [redacted] ’s dispute regarding account numbers [redacted] , [redacted] , and [redacted] and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act With that said, Per [redacted] ’s request, the above-referenced accounts have been marked “Cease and Desist.” While they remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law 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 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] ***

Dear [redacted] Thank you for your foll letter inquiry dated May 6, 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 Please note that Midland Credit provided all relevant account identifying information in its previous response letter to your office, dated April 28, In his follow-up, [redacted] requests that Midland Credit delete the account from his consumer credit files because the verification information was not provided to him Again, while his December 9, request was untimely, contrary to his complaint, Midland Credit did provide the verification information provided by the seller to him on December 13, A copy was included in Midland Credit’s previous response Additionally, Midland Credit has a strict business policy to report all accounts accurately Midland Credit is accurately reporting the above-referenced account to the credit reporting agencies If [redacted] ’s account was deleted, its true and accurate status would not be reflected 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] ***

Dear Ms***: lang="X-NONE">Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 20, 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 25, Information provided by the seller, FIA Card Services, N.A., at the time of acquisition indicates this account was originated on July 25, as a Bank of America VISA account number ending in ***, in the name of [redacted] G ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, The balance at the time of purchase was $ Mr [redacted] 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 Mr***’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 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.” The open date listed on Mr***’s credit report is in fact the date of purchase by Midland Funding LLC 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 Mr [redacted] also expresses concern that the information reflecting on his consumer credit files differs between credit reporting agencies Midland Credit reports the same information to all three credit reporting agencies each time it reports If Mr [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 Mr [redacted] further questions the validity of the account On March 7, 2011, Midland Credit mailed Mr [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 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 Mr [redacted] in response to the letter In fact, no correspondence was received directly from Mr [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 Mr [redacted] and collect the debt Although Midland Credit did not receive any correspondence disputing the debt or requesting validation from Mr [redacted] prior to receipt of his complaint through your office, Midland Credit received notice of a possible dispute through the credit reporting agencies on June 23, Although the request was not timely, verification information provided by the seller was mailed to Mr [redacted] in response to the notice on or about July 14, A copy of the verification information is again enclosed here If Mr [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance Please have Mr [redacted] call Midland Credit Account Manager Denise Longtin at (800) 825-ext to assist him in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-extshould 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 GJG: mrb Enclosure

May 12, 0pt"> 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] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 30, 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 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 8, 2010, as a [redacted] account number ending in ***, in the name of [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on March 22, The balance at the time of purchase was $ [redacted] expresses a concern that his validation requests have been ignored On March 30, 2013, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 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 A review of Midland Credit’s business records indicates that it received the first direct written correspondence requesting validation from [redacted] on March 9, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 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 in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from [redacted] ’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [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] ***

Thank you for your letter inquiry dated October 21, , regarding Ms [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 December 14, Information provided by the seller, [redacted] ** and [redacted] **, at the time of acquisition indicates this account was originated on June 1, 2010, 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 March 27, The balance at the time of purchase was $1, Final payment on the account was received on June 1, Ms [redacted] has no further financial obligation for this account ? As described in her complaint, Ms [redacted] alleges that she was advised by a Midland Credit representative that the account would be deleted after resolving the balance Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and it appears that no violation of company policy occurred While Midland Credit is pleased that it was able to assist Ms [redacted] in reaching a resolution which settled the balance for the above-referenced account, it is Midland Credit’s policy to report all accounts accurately A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected ? Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, ? Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California

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 /> They are not telling the truth about the story They promised to delete the account They told me anything I want to hear just so they can take the payment from me Now they are not keeping their word 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 [Apparently Midland Credit has poor record keeping abilities Which is a little disconcerting for a collections company Fortunately, my companies records are current Our inbound caller ID logs are quite clear about when we were contacted and who contacted us We are not confused, and while Midland might like to play this off as a mistake, that is not the case I must assume there "records" also do not reflect the requests we made to customer support to be removed from the call log prior to opening this case I am pleased that Midland claims they will no longer be contacting our number However, if this claim is based upon their poor record keeping abilities, I am highly suspect of it actually taking place If counsel would like to figure out why their reporting system/records system is incorrect, I would be more than willing to authorize AT&T to release the call logs Midland would need to pay the AT&T processing fees for that request.] Regards, [redacted]

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