Western Power Train Repair Ltd

October 13,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** * ***
Revdex.com#
***
MCM# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 29, 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 26, 2013. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on March 26, as a ** *** *** *** *** *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 11, 2012. The balance at the time of purchase was $736.29.
A review of Midland Credit’s business records indicates that on December 29, 2013, this account was assigned to *** * *** ***located at *** *** *** *** *** ** ***. Their phone number is *** *** Please note, that the firm has changed its name to the *** * *** *** *** *** *** but maintains the same contact information.
*** *** expresses a concern that he paid the debt in full with the understanding that the account would be removed from his credit report. Midland Credit has forwarded a copy of the complaint to the firm, and *** *** advised that the first initial validation letter was mailed to *** *** on January 2, 2014. On March 13, 2015, *** *** mailed *** *** another letter requesting him to contact their office to discuss a potential settlement offer. When a response was not received, the firm filed suit on June 10, 2015. *** *** business records indicate on September 8, *** *** called the firm and an agreement was reached to pay the account in full for $736.29.
During that call the firm stated that *** *** inquired with the firm about how the account would credit report and to whom. The firm then advised *** *** that it only reports information to Midland Credit which furnishes the information regarding his account to the credit reporting agencies. *** *** was advised that upon resolution of the account, the status of the account would be updated to show the account as being “Paid in Full.” The firm advised that at no point in the conversation did the representative communicate to *** *** that the account would be deleted from his credit report once paid.
*** *** desires to have the above-referenced account deleted from his consumer credit files since the debt has been repaidWhile Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which resolved the balance for the account, it is Midland Credit’s policy to furnish accurate account information. A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Dear *** ***Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 8, Midland Credit appreciates the opportunity to answer your questions.A review of Midland Credit’s business records indicates that *** *** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If *** *** 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 30, Information provided by the seller, *** *** at the time of acquisition indicates this account was originated on November 7, as a *** *** *** *** *** account number ending in *** in the name of *** * *** under the last four of the social security number ***
Subsequently, the account was charged-off as an unpaid delinquent-debt on May 16, The balance at the time of purchase was $1,A review of Midland Credit’s business records indicates that on November 22, 2015, this account was placed with Midland Credit’s Internal Legal Department (“Internal Legal”) for further servicing *** *** indicates that she authorized a payment of $but $was withdrawn from her accountMidland Credit’s business records indicate that *** *** was charged $The additional $was not charged by Midland CreditPlease note that Midland Credit has recently changed its payment processor to an international vendor, which has resulted in some consumers receiving an international transaction fee Unfortunately, as these fees are determined at the discretion of the financial institution from which the payment is made, Midland Credit is unable to predict if a fee will be applied, or how much it could beMidland Credit respectfully requests that *** *** check with her bank to confirm if the additional $is a fee that her bank may be charging her for this service Midland Credit encourages *** *** attorney to contact Internal Legal to have the difference in the payment refunded/credited to her claim and so that her attorney may discuss another method of payment to avoid additional fees being charged in the future *** *** attorney may reach the Internal Legal Department at P.OBox San Diego, CA Their phone number is*** ***Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to *** ***Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions.Sincerely, Midland Credit Management, Inc. *** *** ***Corporate Counsel, Legal Affairs & Compliance*Admitted in Colorado; Registered In-House Counsel in California*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and 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. Thank you for your assistance in this matter
Regards,
*** ***

Revdex.com:
A re-statement of a company policy that is abusive to customers does not resolve the issue As the letter states, the policy is internal and at the discretion of the company Telling callers this is out of the company's control is a lie
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

Dear Revdex.com:
Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland *** Management, Inc(“Midland ***”) received September 6, 2017. Midland *** appreciates the opportunity to answer your questions
Ms*** indicates that the debt is no longer valid. A review of Midland ***’s business records indicates that the statute of limitations expired on March 1, 2016. However, please note that the passing of the statute of limitations does not extinguish the validity of a debtRather, 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 a debt. It only prevents the account information from being furnished to the *** reporting agencies. A review of Midland ***’s business records indicates that the seven-year Federal Reporting period for the above-referenced account does not expire until March, 2020.
As advised in its previous response, the above-referenced account remains collectible, due and owing to Midland *** as servicer for Midland Funding. A review of Midland ***’s business records indicates that the account information it is furnishing to the three major *** reporting agencies is accurate
Per Ms***’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms*** will continue to not receive correspondence or calls from Midland *** representatives unless a response is required by law
Midland *** considers consumer complaints a serious matter and fully respects consumers’ rights. Midland *** apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland ***’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland *** Management, Inc
*** ***,
Division Manager, Consumer Support Services
AR: mrb

Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”)
received on July 26, 2017. 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 27, 2016. Information provided by the seller, *** Bank, at the time of acquisition indicates this account was originated on May 15, as a *** Bank/*** and *** credit card account number ending in ***, in the name of *** ***, under the last four of the social security number ***. The first delinquency occurred on January 11, 2015. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 8, The balance at the time of purchase was $
Mr*** expresses a concern that he was not given the day period to respond before the collection was added. On June 15, 2016, Midland Credit mailed Mr*** 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”). In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.
Midland Credit’s business records indicate that it began receiving notices of dispute from the credit reporting agencies on December 30, 2016. In response, Midland Credit appropriately verified the information that it is furnishing to the credit bureaus, and mailed Mr*** a copy of the verification information provided by the seller January 11, 2017, and again on July 26, 2017, in response to the notices of dispute from the credit reporting agencies. A copy of that documentation is again enclosed for his records. Please note that the verification information 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 Mr*** is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance. Please have Mr*** call Account Manager *** *** at *** *** *** *** to assist him in reaching a resolution of the account balance
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-*** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Division Manager, Consumer Support Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear
I will reach out to finger hut corporate office.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.no I didn't file police report in regards to this account Which I just now finding out about this I did send a dispute letter to midland credit services It stated same information that I advised Revdex.com I wanted to settled the account in the amount of I never received a respose However, I am still disputing the account I also wanted it deleted from from reportIf you not willing delete from credit report my will offer will stand You can send me a email or mail if willing to take the offer.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolvedMy response was that I have and will contact my lawyer and pursuit legal matters if necessary and regardless of what you say or do I know my rights and the last payment made to *** *** *** was back in so the SOL starts from thereThis debt is years old and I am disable and have been since so I will not let your company nor the next company bully me into saying that I owe this debt when I don't if you feel that I do then take me to court because I am willing and ready if necessaryI don't owe your company anything and neither do I owe *** *** *** and if theses harassing issues continue I will suit your company for harassing an disable woman of an old outdated debt that has expired and is still on my credit Its laws against 3rd party collection agency that continue to harassed people regarding an old debt bought by 3rd party business that buys pennies on the dollarsSo thank you so much
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
My consumer rights, as required by themail fcra, prohibit re-aging of an accountThe fcra requires that an account original debt reported by a collection agency must be days after first delinquency, not the date the collection agency aquired the accountTo list any other date than the one required is considered re-aging, (a)(5)The account was closed by bank of America on 2/2/9, as a credit card account thereally would be days delinquent before closing so 2/2/becomes the date midland could reportMidland is reporting the date as 2/25/This is blatant and irresponsible credit reporting, violating fcra guidelines and my consumer rightsMidland is subject to a dollar fine I will pursue for this violation This account should be removed from my equifax credit report or I will pursue further action on my behalf against midlandThank you and have a great weekPlease notemail midland has admitted to re-aging while claiming they do notI have attached supporting documentation.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am unsatisfied with your response, The tradeline was put on without my knowledge and numerous fcra and fdcpa violations have taken placeI have given you the opportunity to rectify the unethical behavior that has occuredThe Proof I have does not invalidate the debt but rather prove violations that took place while attempting to collect the debtAlthough I disagree with the debt being mine I would of had no problem paying it If you had followed the correct collection practicesI was really hoping that you would do the right thing so that we could resolve thisAs a courtesy to you I am informing you in advance of my intent to sueI will be requesting that the Revdex.com close this complaint as unresolvedNo further correspondence is required from youI thank you and the great people of the Revdex.com for yours and their timeHave a wonderful day
Regards,
*** ***

Tell us why here...Dear *** ***:Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 31, Midland Credit provided all of the account identifying information in its previous letter response to your office dated January 31, 2017.*** *** continues to allege that the account does not belong to her and that it has been well noted in the past that she is a victim of identity theftAs mentioned in its previous response, this account was placed with *** Group Attorneys, LLC (“The *** Group”) on May 4, The *** Group advises that *** *** has not mentioned either identity theft or fraud at any time prior to the receipt of her most recent complaintPrevious complaints listed dispute reasons other than identity theft Midland Credit respectfully requests that *** *** provide it with a copy of a police report showing that she reported the fraudulent activity *** *** can contact Midland Credit online at www.midlandcreditonline.com/consumer-resolution-center/, 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 Alternatively, *** *** may forward appropriate documentation to CSS using the contact information on this letterhead.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.As noted in its previous response, Midland Credit marked the account “Cease and Desist.” The account will remain marked as suchWhile it remains due and owing, *** *** will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.Midland Credit encourages *** *** to work with The *** Group to assist in reaching a positive resolution *** *** may reach The *** Group at *** *** *** *** *** ** *** *** *** *** ** *** ***Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to *** ***.Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions.Sincerely, Midland Credit Management, Inc. *** *** ***Corporate Counsel, Legal Affairs & Compliance*Admitted in Colorado; Registered In-House Counsel in California*** ***

Tell us why here...Dear Ms***:Thank you for your follinquiry regarding Mr***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 10, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Mr*** expressed a concern that he never received letters from Midland Credit, he has not received any proof that letters have been mailed to him, and that letters should be mailed via certified mail Please note, there is no requirement for the letter to be sent either registered or certified mail.Mr*** states that he has not received any proof of an agreement, or that Midland Funding owns the debt A copy of the verification information provided by the seller was included in Midland Credit’s previous response As previously advised, Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA Additionally, a copy of the bill of sale verifying Midland Funding as the rightful owner of the account, along with a copy of a seller data sheet confirming the account was included in the purchase from Citibank, N.Ais enclosed for Mr***’ records 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.Per Mr***’ previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Mr*** 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 Mr*** 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
*** ***Senior Manager Operations, Consumer Support Services*** ***Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I had a credit card through G.Ecapital retail bank which had fraudulent activiy on I reported the fraud to the credit card company but since it had not been processed in days they were not able to assist me- I stopped paying on the card as the debt was not incurred by me- the debt was sent to midland management- and they have attempted to collect on this invalid debt for some time- this debt was not mine and needs to be removed from my credit report. Remove this unverified, invalid item from my credit reportAdd'l information: *** *** *** *** *** *** ** *** *** ***

Revdex.com:
I apologize that with school starting out here in Nashville on August 7th, I am just now catching up to my personal emails on our day off due tot the eclipse
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.As I previously explained, I did receive the letter and I did call and did write a letter to them and the DAI have already , done all of the step you mentioned I failed to do to complainAs usual, you seem to oversee these sections and by procedure say what you want to say judging me as being u truthfulI not only want to have communication stop, but for this collection to be taken off my credit report and written correspondence that this has been done Here in these complaints it is clear you have done what you always doNot read everything! I did what I know I had to do.I am sending copies of all these to the DA as additional proof that your company does not follow protocol
Regards,
*** ***

This is a case of Identity Theft and I have requested that the business remove their information from my credit files and they have refused to do soPlease be advised that this is the only way that I can get them to comply by building a paper trail

Dear *** ***
Thank you for your letter inquiry
regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received
October 22, 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 March 18, 2014. Information provided by the seller, *** *** ***., at the time of acquisition indicates
this account was originated on March 11, as
a *** *** credit card account
number ending in *** in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as
an unpaid delinquent-debt on January 6, 2014. The balance at the time of purchase was $484.39. Final payment on the account was received by
Midland Credit on July 9, 2015.
*** *** has no further financial
obligation for this account
*** 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.
*** 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 *** ***
obtained his credit report from a compilation source, the information being
reported may appear to vary. The credit
bureaus have advised that it appears this way because they do not directly
populate the fields on credit reports pulled from any source other than
directly from the credit bureau itself
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at *** *** *** *** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
*** ***

November 22, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of Ms*** ***Revdex.com# *** MCM #: ***Dear Revdex.com:Thank you for your follletter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 15, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Ms*** recent complaint does not appear to differ substantially from her original inquiry Accordingly, Midland Credit must respectfully state that its position has not changed from its previous response. As stated in its previous response, Midland Credit stands ready to assist Ms*** 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 Ms*** 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 obtained by submitting a report through the Federal Trade Commission (“FTC”) online at www.identitytheft.gov After submitting it to the FTC directly, Ms*** can then provide a copy of the affidavit to Midland Credit Please assure Ms*** 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.Per Ms*** previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms*** 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 Ms***.Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions.Sincerely, Midland Credit Management, Inc.*** ***,Senior Manager Operations, Consumer Support Services
*** ***

August 30,
VIA E-Mail
Revdex.com of San Diego
Re: Consumer complaint of Ms*** ***
Revdex.com# ***
MCM #:
***
Dear Ms***:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 21, Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that the full name of the original creditor for the above-referenced account is *** *** *** *** (“*** ***”). *** *** then sold the account to MHC Receivables, LLC on November 10, 2013, who sold the account to Sherman Originator III, LLC on December 11, 2013. Sherman Originator III, LLC subsequently sold the account to MSW Capital, LLC on December 19, 2013, who then sold the account to Midland Funding LLC, (“Midland Funding”), on or about June 15, 2015, which was immediately placed for servicing with Midland Credit. Information provided by the seller at the time of acquisition indicates this account was originated on May 3, 2011, as a *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Information provided by the seller indicates that *** *** received the last payment for the account on September 1, 2013, for the amount of $56.00. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 10, 2013. The balance at the time of purchase by Midland Funding was $481.77, which is also the current amount due.
Ms*** 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
Ms*** indicates that she is not liable for the debt and it should be removed from her credit report. A copy of the verification information provided by the seller is enclosed for Ms*** records. 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
Per Ms*** concerns, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms*** will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Division Manager, Consumer Support Services
*** ***
Enclosure