Western Power Train Repair Ltd

Revdex.com:
I have rejected the response give by Midland FundingAs Midland stated in their response I have previously disputed these accountsI have asked for my signature of a binding agreement that these are my accountsMidland Funding has failed to do so! They're have only provided me with generated computerized bills that does not confirm that I am responsible for these accountsI would like them removed from my *** report and all major bureaus! previously
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

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

May 19, VIA E-Mail *** *** Revdex.com of San Diego Re: Consumer complaint of *** *** Revdex.com# *** MCM# ***, ***, *** Dear Ms***: Thank you for your letter inquiry regarding Ms***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 11, 2017. Midland Credit appreciates the opportunity to answer your questions Ms*** continues to express a concern that the accounts are appearing on her credit reports. As indicated in Midland Credit’s previous response, Midland Credit has not furnished any information regarding account nos*** and *** to the three major credit reporting agencies. Additionally, on April 13, a request was sent to the credit bureaus to remove Midland Funding’s reference of account no*** from her consumer credit files. If Ms*** has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies With that said, in order to further assist her regarding the concerns mentioned in the complaint, Ms*** can provide Midland Credit with a copy of her credit report. At that time, Midland Credit can review the information provided by Ms***, and further investigate the matter 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
*** *** *** *** *** *** ***
*** *** Tell us why here

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The company has yet to give me documentation for a refund of When I call today at hours, the people don't seem to know what the *** they are doingI've been waiting for this money since June 24th that was paid to *** *** and *** *** was to send the money to MidlandI still haven't heard anything
I want my refund of It doesn't take days to get a refund when the bank was paid on June 24th
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
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,
*** ***

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

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

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*** ***

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,
*** ***

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 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,
*** ***

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

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
*** ***

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
*** ***

June 5,
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 May 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 November 25, 2014. Information provided by the seller, *** *** *** *** ***, at the time of acquisition indicates this account was originated on September 4, as a *** *** *** *** *** *** account number ending in ***, in the name of *** * ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 29, 2012. The balance at the time of purchase was $2,
*** *** writes that he was working with Midland Credit on this account that was supposed to be paid in full. After a review of *** ***’s account, no payment plan was set up with Midland Credit. *** *** made one time payments online through Midland Credit’s website While no settlement agreement was ever established, in keeping with its Consumer-First policy, Midland Credit has made the business decision to settle *** ***’s account for amounts received
*** *** expresses a desire to have the above-referenced account deleted upon payment, but advises that the charges still show up on his credit report. Midland Credit’s records indicate that during a phone conversation with *** *** on January 6, 2015, he was advised that Midland Credit was unable to delete the account from the credit bureaus. Please note that it is Midland Credit’s policy to report all accounts accurately. Midland Credit will report the account as “Account paid in full, was a collection account,” with an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected. *** *** has no further financial obligation for this account
*** *** also states that he has asked Midland credit to stop phone calls, but continues to receive phone calls from Midland Credit. A review of Midland Credit’s business records indicates that in a phone conversation with *** *** on April 12, 2015, he requested that Midland Credit cease and desist communication with him. The representative appropriately marked the account as “Cease and Desist” and no further phone calls were made and no further letters have been sent to *** *** for the referenced account. This was the first request Midland Credit received to cease contacting *** ***.
Since *** ***’s complaint states that he is receiving calls well in excess of those made by Midland Credit representatives, it appears he may be receiving calls from different companies. Often a consumer will speak to someone from one collection agency and then erroneously believe that any subsequent collection calls, even those from another collection company, are from the same company.
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
*** ***