Western Power Train Repair Ltd

Dear *** ***
Thank you for your follletter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 11, 2016. Midland Credit appreciates the opportunity to answer your questions
Midland Credit had sent a preliminary response to *** *** initial inquiry on February 11, 2016. In its response, Midland Credit stated that it acknowledged his dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. However, Midland Credit has not yet received the additional verification information it has requested from the seller.
In keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account. There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from *** *** consumer credit files
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 have determined that this would not resolve my complaint When I contacted Midland via certified letters and emails, I got absolutely no responseI understand that in order to investigate the matter, it takes timeUpon receiving my first certified letter and email, at the very least, Midland could have acknowledged receipt of it and responded, letting me know that they are investigating the matterHow was I to know if they were even looking into the matter without some sort of acknowledgement? So, with no response to my certified letter and multiple emails, I assumed that my dispute was being ignored, so I filed this complaint with the Revdex.com
When I filed this complaint with the Revdex.com, instead of contacting me directly, Midland contacted the attorney that represented me on previous matters that had already been resolvedThe attorney contacted me letting me know that Midland had contacted himNo, I did not advise Midland in the beginning that I was no longer represented by an attorney because since the suits had already been resolved, and since I was contacting Midland, instead of my attorney contacting them, one would assume it was obvious that I was no longer being represented by an attorney on this unrelated issueIf I were represented by an attorney, obviously, Midland would have heard directly from my attorney instead of meSo, I do not understand why Midland contacted my previous attorney, someone that has nothing to do with this issue, instead of me regarding the matter at hand
I don't understand why Midland is unable to communicate directly to meWhat's preventing that?
Even Midland's letter dated March 30, 2016, of which I'm responding to, is addressed to the Revdex.com instead of meI do not understand why Midland can not respond to me directly
In Midland's response addressed to the Revdex.com, it mentions two defaulted accountsThose "accounts" were lawsuits that Midland filed against me, of which were dismissed with prejudiceTherefore, those "defaulted accounts" do not exist, so of course I have no financial obligation to either non-existent accountThe specifics of those "accounts" that Midland mentioned should not have been mentioned because they do not exist since they were dismissed with prejudiceThose lawsuits Midland filed against me, upon being dismissed with prejudice, is what led to me filing suits against them, which resulted in settlementsThose settlements led to the current Form 1099-MISC issue here at hand
Midland had reported Form 1099-MISC to the Internal Revenue Service (IRS) of which I do not agree with the amountI notified them and let them know that Form 1099-MISC is incorrectAfter no response, I filed this complaint with the Revdex.comInstead of contacting me directly, they contacted my previous attorney that informed me of them contacting himMidland sent him a corrected Form 1099-MISC for $4,000, of which he forwarded to meThat amount does not make any sense eitherMidland did not send it to me and there is no explanation nor documentation as to what is corrected about itSo, I have no idea what amount(s) Midland has reported to the IRSBut evidently, the amount(s) they have reported is incorrect.
I mentioned in my certified letter, dated January 25, to send me any documentation/correspondence that they may happen to send to the IRS in resolving this matter, such as correcting Form 1099-MISCI also mentioned for them to provide me with any and all documentation substantiating the amount claimed on Form 1099-MISC as I dispute itI have yet to receive anything from them, other than their response addressed to the Revdex.com regarding my complaintInstead of sending me the corrected Form 1099-MISC that is still not correct, they sent it to my previous attorneyI still dispute the amount Midland reported to the IRS under my name and social security number; it is not correct
There were two settlement agreements for a total of $13,I received two checks $2,each for a total of $5,The amount that I actually received was $5,and I dispute any other amount.
I did not receive a check for the full amount of the $13,settlement and then pay attorney's fees out of itThe two checks I received in hand were made payable to me directlyThe attorney received check(s) made payable to them directlyThe funds are allocated as such in the agreementsThe Form(s) 1099-MISC that I should have received should be for a total of $5,000, whether on one Form or two for $2,eachI should only receive a Form 1099-MISC on the amount that I actually receivedJust as Midland is unable to report an amount other than what was actually paid, I am unable and unwilling to claim any other amount other than what I actually received
Midland needs to correct the Form(s) 1099-MISC to reflect the amount I actually received and as the agreements allocate how the funds were distributed.
Regards,*** ***

Dear Ms***:
Thank you for your letter inquiry
regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received
January 27, 2017. Midland Credit appreciates the opportunity to
answer your questionsMidland Credit provided all of the account identifying
information in its previous letter response to your office dated January 27,
A review of
Midland Credit’s business records indicate that Ms***’s concerns were
addressed in the response sent to your office on January 27, 2017. Since there are no additional allegations
from Ms***, Midland Credit stands by its prior response
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to Ms***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at (800) 825-ext*** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***,
Esq
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
GJG: ***

Re: Consumer complaint of *** ***
Revdex.com# ***
MCM#’s ***, ***, *** and ***
Dear ***
***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 17, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”). Copies of Midland Credit’s responses to the CFPB are enclosed. An investigation of this matter indicates that Midland Credit is the servicer of four accounts belonging to Ms*** which are referenced in her complaint.
Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 30, 2012. Information provided by the seller, *** *** *** *** *** *** at the time of acquisition indicates this account was originated with *** *** on April 19, 2006, and was subsequently converted to 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 30, 2010. The balance at the time of purchase was $2,502.48.
Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, on May 30, 2012. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated with *** *** on May 26, 2007, and was subsequently converted to 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 30, 2010. The balance at the time of purchase was $6,911.06.
Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, on May 30, 2012. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated with *** *** on February 27, 2008, and was subsequently converted to 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 30, 2010. The balance at the time of purchase was $3,652.62.
Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding, on August 8, 2013. Information provided by the seller, *** *** ***, at the time of acquisition indicates this account was originated on April 13, 2006, 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 September 13, 2010. The balance at the time of purchase was $1,454.28.
*** *** states that Midland Credit is providing inaccurate information to the credit reporting agencies and is attempting to represent itself as a creditor on her consumer credit files. A review of Midland Credit’s business records indicates that it is using the appropriate Metro code to report itself as a “Debt Buyer” to the three major credit reporting agencies.
If *** *** obtained her credit report from a compilation source, the information being furnished 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 is accurately furnishing information for the all of above-referenced accounts to the three major credit reporting agencies.
Additionally, Midland Credit has followed up directly with *** to verify how the information being reported is reflecting on *** *** credit report. Information provided by *** indicates that the tradelines are accurately reporting as collection accounts and the original creditor for each account is listed appropriately. Midland Funding is appearing as a debt buyer. This notation appears in the subscriber information under type as D/B
If *** *** is ready to resolve the above-referenced debts, she may qualify for a reduction in her account balances. Please have *** *** call Midland Credit Account Manager *** *** at *** *** *** *** to assist her in reaching a resolution of your her balances
In the meantime, per her previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, *** *** will continue to not receive contact from Midland Credit representatives unless a response is required by law
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure

Dear *** ***
Thank you for your follow up letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 25, 2015. Midland Credit appreciates the opportunity to answer your questions
In its previous response dated November 23, 2015, Midland Credit stated that it had acknowledged *** *** dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt. Midland Credit has since obtained verification information from the seller. A copy of the verification information is enclosed
In his follletter, *** *** continues to express a concern that he has not received actual documentation of this debt. 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999). Additionally, 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 *** *** previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, *** *** will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law
In the meantime, ** *** *** is ready to resolve the above-referenced debt, *** *** may qualify for a reduction in his account balance. Please have *** *** 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 *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure

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
Tell the folks at Midland Credit, if they want the information they seek, I can do a better job than their very own investigators, and provide them with a legitimate address for the person they are looking for, but it will cost them, and I don't come cheap! I am somewhat of an investigator, can do better than some folks that do it for a living, including the folks that gave them the bogus information previously
Regards,
*** ***

Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’s complaint,
which Midland Credit Management, Inc(“Midland Credit”) received on
November 28, 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 November 24, 2014. Information provided by the seller, ***
*** III, LLC, at the time of acquisition indicates this account was
originated on
September 24, as a *** *** *** *** account number ***, in the name of ***
***, under the last four of the social security number ***. *** *** *** ***can be reached at ** *** *** *** *** ** ***. The
first delinquency occurred on March 2, 2014.
Subsequently, the account was charged-off as an unpaid delinquent-debt
on October 2, 2014. The balance at the
time of purchase was $728.38, which is also the current balance on the account.
Ms*** requests evidence that she has
legal obligation to pay 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. 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 *** ***
III, LLC are enclosed The above-referenced account remains
collectible, due and owing to Midland Credit as servicer for Midland Funding
Ms*** expresses a concern that her
requests for validation have been ignored.
A review of Midland Credit’s business records indicates that it began
receiving notices of dispute from the credit reporting agencies on or about
June 27, 2016. In response to each
notice received, Midland Credit appropriately verified the information it is
furnishing to the credit reporting agencies regarding the above-referenced
account. Additionally, a copy of the
verification information provided by the seller was mailed to Ms*** on
July 11, and on April 28, 2017.
Midland Credit’s business records further
indicate that it received correspondence requesting validation directly from
Ms*** on June 28, 2017. In
response, Midland Credit mailed Ms*** another copy of the verification
information on July 7, 2017.
A copy of the verification information is
enclosed for Ms***’s records. 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.
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 Ms*** is ready to resolve the above-referenced debt, Ms
*** may qualify for a reduction in her account balance. Please have Ms*** call Account Manager
*** *** at (800) 825-ext*** to assist her in reaching a resolution
of the account balance
In the meantime, per Ms***’s 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
*** ***
Senior Manager Operations, Consumer Support
Services
AR: cl
Enclosure

Dear *** ***
Thank you for your letter inquiry
regarding *** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
November 19, 2015. 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 November 12,
*** claims the documents Midland Credit has sent do not meet the
requirements per the Fair Debt Collection Practices Act (“FDCPA”)Please note
that the verification information provided by the seller meet 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)
Based
on the information *** *** provided and pursuant to the Texas Finance Code,
Midland Credit has responded appropriately by sending him a copy of the
verification information provided by the seller in the initial response sent to
your office on November 12, 2015. As
previously stated, Midland Credit’s business records indicate that the account
information it is furnishing to the three major credit reporting agencies is
accurate
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,
*** ***

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,
* ***

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 ***Thanks,***

Dear *** ***
Thank
you for your follletter inquiry regarding *** *** complaint, which
Midland Credit Management, Inc(“Midland Credit”) received December 15, 2015. Midland Credit appreciates the opportunity to
answer your questions. Midland
Credit provided all of the account identifying information in a previous letter
response to your office dated November 18,
In *** *** follletter, he continues to expresses concern that
Midland Credit indicated a balance of $1,for account no***, but is furnishing a balance of $1,to the credit reporting
agencies. As indicated in the prior
response dated December 9, 2015, the account was purchased by Midland Funding,
LLC with a balance of $1,940.41. As also
previously stated, interest is permissible and provided for in the contract
with the original creditor. Please note
that while Midland Credit has not assessed any interest since September 2014,
prior accrued interest and prior payments totaling $have resulted in the
current balance of $1,
While Midland
Credit has acted appropriately and according to applicable law, it will inquire
with the seller for additional information and documentation for the account. Once Midland Credit obtains the requested
information, a response will be forwarded to *** *** through your
office. The account will not
be furnished to the three major credit reporting agencies until Midland Credit
is able to provide *** *** with further information
Midland
Credit previously requested more specific information to *** ***’s
allegation that he was told that the balance of account no*** was
$3,at some time, and the alleged conduct described by *** *** is being
investigated. Midland Credit fully
respects consumers’ rights and privacy and has established policies and
procedures designed to protect those rights.
However, if, in spite of Midland Credit’s best efforts to ensure
professional and courteous communications at all times, it is determined that a
violation of company policy may have occurred, the same will be addressed and
dealt with in a prompt and appropriate manner.
Midland Credit will provide your office with an update at the conclusion
of its investigation
*** ***
further writes that when he requested verification for account no***,
Midland Credit advised that it had proper verification
documentation, but then indicated to the contrary in a previous respond by
saying it would take additional steps to obtain verification documentation from
the seller. As stated in its response
dated December 9, 2015, once Midland Credit obtains the verification
documentation, a copy will be forwarded to *** *** through your office. Information for account no
*** will continue to not be furnished to the three
major credit reporting agencies until Midland Credit is able to provide *** with verification documentation
Concerning
account no***, Midland Credit maintains that it has
acted appropriately and in accordance with applicable law*** ***’s accounts remain marked “Cease and Desist,”
and he will continue to not receive correspondence or calls from Midland Credit
representatives unless a response is required by law
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at *** *** *** *** should you
have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered
In-House Counsel in California
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Midland Funding has not be able to show me any substantial proof that this account belongs to me such as, signed contracts or a copy of my identificationThe only thing Midland sent me was account statements after I filed complaints with CFBP and the Attorney General because they regulate collection agencies I have received this generic response from their company.Regards,*** ***

Revdex.com/Ms Dyer:
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
I dispute Midland Credit Management’s response to my non-compliance complaint for various reasonsAgain, as per my original complaint and rebuttal to their response, my primary reason is that upon submission of my validation request, which was received by *** * *** *** *** on July 17, 2015, (per my Certified Mail Receipt), no response was received from *** * *** *** ***Midland Credit Management continues to argue that *** * *** *** *** sent a “verification” letter to me on September 25,
However, IF such a letter was “supposedly” formulated by *** *** *** ***, it was never received by myselfIt appears that Midland Credit Management and/or *** * *** *** *** are unable to provide me with a certified mail receipt or any other form of confirmation that their “supposed” letter responding to my request for verification was even sent and more precisely, that their “supposed” letter was delivered to my addressSince I have never received such a letter, I strongly believe that the “supposed” letter, if sent, was either delivered to an incorrect address or misdirected by the Postal ServiceOnce again, if *** * *** *** *** or Midland Credit Management have such receipt confirmation, I would ask that they please provide me with such and, again, I will further investigate the issue with the Postal Service
Secondly, I had requested that Midland Credit Management and/or *** * *** *** *** provide me with "competent evidence," validating said debt and that "I" have any legal obligation to pay this debtThe request was to provide me with a copy of an agreement that bears my signature wherein I agreed to pay the creditorI have not received a copy of such an agreement and therefore will continue to dispute this debt that has not been validated in a “timely” manner, as *** *** alluded to, or in any manner, due to the fact that I have never received the letter that *** * *** *** *** supposedly sent on September 25, As such, Midland Credit Management’s most recent "attempt to collect a debt"...an unvalidated/disputed debt, which is a violation of USC 1692g Sec(b) of the FDCPA, is most definitely a non-compliant action.Therefore, due to non-compliance with my request, as reflected within USC 1692g Sec(b) of the FDCPA, I unwaveringly request that this account’s final resolution be that all references to this supposed debt be deleted and completely removed from my credit reports and a copy of such deletion request being sent to me.Regards,*** ***

May 5,
VIA E-Mail
*** ***
Revdex.com of San Diego
Re: Consumer complaint of MsM*** ***
Revdex.com# ***
MCM #: ***
Original Creditor: *** Bank
Original Account #: ***
*** *** ***
MCM
#: ***
Original Creditor: *** *** *** ***
Original Account #: ***
MCM #: ***
Original Creditor: *** Bank
Original Account #: ***
Affinity: ***
Dear Ms***:
Thank you for your letter inquiry regarding Ms***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 25, 2017. Midland Credit appreciates the opportunity to answer your questions
Ms*** indicates that the accounts should not be appearing on her credit files as they were paid in March 2016. Midland Credit’s business records indicates that it received the final payment for account nos*** and *** on March 5, 2016, and the final payment for account no*** on March 24,
Upon receiving communication directly from Ms*** regarding her concerns, a Midland Credit representative attempted to reach out to her on April 13, Ms*** was advised on April 13, that 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. With that said, if Ms*** has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies
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
*** ***

July 17,
VIA E-Mail
*** ***Revdex.com of San Diego
Re: Consumer complaint of Michael ***Revdex.com# *** Dear Ms***:
Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 7, 2017. Midland Credit appreciates the opportunity to answer your questions
Mr*** continues to express dissatisfaction regarding the contact he received. As previously advised, during a search for the correct consumer, Mr***’s phone number was provided to Midland Credit representatives by a third party. Please note that to ensure that it has the most up to date consumer information, Midland Credit relies on consumer data provided by third party vendors. Midland Credit once again apologizes for any inconvenience regarding the contact Mr*** received, and has taken steps to ensure he is no longer contacted regarding the account
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely, Midland Credit Management, Inc
*** ***Division Manager, Consumer Support ServicesAR: bi

Dear Revdex.com:
Thank you for your letter inquiry regarding Chiclon
Taylor’s complaint, which Midland Credit Management, Inc(“Midland
Credit”) received July 27, 2017. 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
An investigation of this
matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding, on September
28, 2016. Information provided by the
seller, *** Bank, at the time of acquisition indicates this account was
originated on February 1, 2015, as a *** ***
credit card account number ending in 6878, in the name
of *** ***, under the last four of the social security number 6694. Subsequently, the account was charged-off as
an unpaid delinquent-debt on August 10, 2016. The balance at the time of purchase was $510.84.
*** *** 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
*** *** also indicates that a validation
letter wasn’t sent. On October 28, 2016,
Midland Credit mailed *** *** a validation letter. Please note that the letter was mailed to *** *** 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.
A review of Midland Credit’s business records
indicates that it received the first correspondence disputing the debt from
*** *** on March 11, 2017.
Although verification information provided by the seller was mailed to
*** *** in response to the dispute on March 20, 2017, a copy of that
documentation is again enclosed. 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
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.
In keeping with Midland Credit’s Consumer-First policy, and to provide
the highest level of consumer satisfaction, *** ***’s account has been
referred to Account Manager Doris ArcePlease have *** *** call MsArce
at (800) 825-ext*** to assist in reaching a resolution of the account
balance
Per *** ***’s previous correspondence
indicating a refusal to pay the debt, the above-referenced account will remain
marked “Cease and Desist.” While 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 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
*** ***
Division Manager, Consumer Support Services
AR: kal
Enclosure

Please
note that Midland Credit Management, Inc(“Midland Credit”) requires
additional time to obtain information regarding this matter. Thank you
for your understanding; Midland Credit anticipates providing your office with a
complete response within days from the date of this
notification

Dear *** ***
Thank you for your follletter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 9, 2015. 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 June 1,
*** *** states that she is not being represented by an attorney. Midland Credit apologizes for any confusion and has removed the account notation that indicated there was attorney representation
*** *** also continues to express concern regarding Midland Credit’s ability to assess interest. Please note, 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 to a collection agency. 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
As assignee of *** ***’s account, Midland Funding stepped into the shoes of the original creditor, and is entitled to all rights the original creditor had, including charging interest. As seen on the attached statement, the original creditor was charging interest at a rate of 24.99% on the account at the time of charge-off. As the consumer-first leader in in the debt collection industry, Midland Credit made the business decision to charge less than 24.99% interest on the account. The current balance on the account remains collectible, due, and owing to Midland Credit.
With that said, Midland Credit will accept *** ***’s offer to pay $to settle the account. Please have *** *** call *** *** at *** *** *** *** to assist her in facilitating this payment
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure

DATE \@ "MMMM
d, yyyy" August 28,
"Arial",sans-serif">
VIA E-Mail
Revdex.com of San Diego
Re:
Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM #: [redacted]
Original Creditor: [redacted],
N.A
Original Account #: [redacted]
Affinity: [redacted]
Card
Dear Ms[redacted]:
Thank you for your letter inquiry regarding Ms
[redacted] complaint, which Midland Credit Management, Inc("Midland
Credit") received on August 18, 2017. 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[redacted] questions whether Midland Credit is furnishing
accurate account information as a "Factoring Company" on her consumer credit
files. A review of Midland Credit's
business records indicates that it is using the appropriate Metro code to
describe itself as a "Debt Buyer" to the three major credit reporting
agencies. However, it has no control
over the manner in which each credit reporting agency decides to display that
information. Ms[redacted] is encouraged to
communicate directly with the credit bureaus should she have any further
concerns
In addition, if Ms[redacted] obtained her credit
report from a compilation source, the information being reported may appear to
vary. The credit bureaus have advised
that it appears this way because they do not directly populate the fields on
credit reports pulled from any source other than directly from the credit
bureau itself. 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
Midland
Credit's business records further indicate that on August 14, 2016, this account was placed with [redacted], LLP ("[redacted]"). [redacted] advised that a judgment was obtained on April 17, 2017. A copy of the judgment is enclosed for Ms
[redacted] records, along with the verification information provided by the seller
Midland Credit
encourages Ms
[redacted] to work with [redacted] to assist in reaching a positive resolution. Ms[redacted] may reach [redacted]
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]
Division Manager, Consumer Support Services
[redacted]
Enclosure