Western Power Train Repair Ltd

December 29, 2016
VIA E-Mail[redacted]Revdex.com of San Diego5050 Murphy Canyon, Ste. 110San Diego, CA 92123
Re:  Consumer complaint of [redacted]Revdex.com# [redacted]MCM# [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 27, 2016. 
A review of Midland Credit’s business records indicate that [redacted] concerns were addressed in the response sent to your office on December 22, 2016.  Since there are no additional allegations from [redacted], 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 [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] ext. [redacted] should you have any further questions.
Sincerely, Midland Credit Management, Inc.
[redacted]
[redacted]

October 14, 2016
 
VIA E-Mail
 
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of [redacted]...

[redacted]
Revdex.com#[redacted]
                        MCM# [redacted]
 
Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received October 4, 2016.  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, 2014.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on December 20, 2004, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on October 11, 2011.  The balance at the time of purchase was $738.84.
 
[redacted] states that Midland Credit is diminishing her credit by reporting a time barred debt and has previously brought this to Midland Credit’s attention.  On July 11, 2014, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation directly from [redacted] on March 18, 2016.  In response to [redacted]’s dispute, Midland Credit acknowledged [redacted]’s dispute, annotated the account as disputed, ceased collection efforts while it was in the process of verifying the debt.  Midland Credit also sent a letter to [redacted] advising her of the steps it was taking.
 
Subsequently, Midland Credit received a second dispute from [redacted] on April 14, 2016.  Upon receipt the dispute, Midland Credit had since obtained verification information from the seller, which was then mailed to [redacted].  A copy of that documentation is again enclosed for her records. Additionally, Midland Credit received additional disputes from [redacted] on June 9, 2016, and July 12, 2016.  In response, Midland Credit appropriately requested that she provide additional information regarding her continued disputes.
 
[redacted] further writes that the debt is “time barred” and no longer collectible.  Please note that the passing of the statute of limitations does not extinguish the validity of a debt. Rather, it eliminates litigation as a potential remedy.  A review of Midland Credit’s business records indicates that the statute of limitations expired on May 7, 2015. 
 
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 credit reporting agencies.  A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in May 2018.
 
However, during the investigation period following the dispute received directly from [redacted], Midland Credit notified the credit reporting agencies to cease reflecting the collection tradeline on [redacted]’s consumer credit files.  Midland Credit has made the business decision not to request the tradeline be reinstated.  Please note that this does not extinguish the debt, and the account will still remain collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
[redacted] writes that the original creditor continues to report the above-referenced account on her consumer credit files.  [redacted] as the original creditor may be reporting the account or may have decided to delete its tradeline when it sold the account.  Whether or not the original creditor is reporting the account, the account remains valid, due and owing.  If [redacted] has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies.
 
Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing.  With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law.
 
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted]’s account has been referred to Account Manager [redacted]. Please have [redacted] call [redacted] to assist her in reaching a resolution of the account balance.
 
In the meantime, per [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

November 18, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re:      Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 4, 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 October 1, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 1, 2007 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]  Subsequently, the account was charged-off as an unpaid delinquent-debt on August 14, 2015.  The balance at the time of purchase was $2,556.76. 
Information provided in the submission through your office, and a review of Midland Credit’s business records indicates that [redacted] is the attorney-in-fact for [redacted], who is the consumer.  [redacted] expresses concern that she received repeated calls, and was requesting that any payment plans be presented in writing, and that the calls to her stop.    On November 2, 2015, Midland Credit received correspondence from [redacted] requesting no more calls.  At that time, [redacted] account was appropriately marked “Direct Mail Only.” 
[redacted] also writes that [redacted] is unable to pay due to the hardships of advanced age and health issues.  In keeping with its Consumer-First policy, Midland Credit made the business decision to close the account.  There will be no further collection activity or sale of this account. 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted]
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
From:<[redacted]Date: Tue, Nov 1, 2016 at 6:47 AMSubject: RE: You have a new message from the Revdex.comTo: Revdex.com [redacted]Revdex.com# [redacted]
 
Dear Revdex.com,
            Thank you very much for your time on this matter. I have checked my credit report with all three bureaus and Midland Credit Management is still on my [redacted] report. They said that they need an electronic request from Midland Credit Management asking for the removal of that account. Thanks again for your time.
                             Sincerely,
                        [redacted]
Phone [redacted]
Email:[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have clearly asked for the following in my original complaint: [Provide the name, address, phone number, and extension number of the person with whom the debt was validated with, and the company name. Also the date and time contacted for verification. Provide a copy of the full agreement or contract showing my signature and date signed. Provide proof of your legal right to collect this debt, as well as a copy of your affidavit of sale regarding your purchase of said debt. If all items requested can not be provided, delete the account from all three credit bureaus promptly, and send me written confirmation.] This has not been done. It is suggested that you comply and follow the "attachment rule" NOW. At the very least you must produce for me:A copy of the original written agreement between myself and the entity, such as the loan note or credit card agreement, showing my signature.proof that your company has the right to collect the debt. AKA proof that the debt was assigned to you. Proof will be a bill of sale, an “assignment”, or a receipt between your company and the alleged original entity.You have not provided what I have asked for, therefore consider it wise to cease all collection efforts and delete your bogus account from my 3 credit reports.
Regards,
[redacted]

Dear [redacted] 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 3, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
A review of Midland Credit’s business...

records indicates that [redacted] has retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directly.  If Midland Credit does not receive attorney information in the next 30 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his accounts accordingly
 
An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] for which it is furnishing information to the credit reporting agencies.  Midland Credit became the servicer of accounts no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 15, 2015.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 23, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, 2012.  The balance at the time of purchase was $1,278.49. 
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 15, 2015.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on November 2, 2012.  The balance at the time of purchase was $717.27. 
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 15, 2015.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 30, 2006 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, 2012.  The balance at the time of purchase was $1,476.73. 
 
[redacted] expresses a concern that he mailed a validation request via certified mail to Midland Credit on March 9, 2016, and did not receive a response.  Midland Credit mailed [redacted] separate and unique validation letters – on September 23, 2015 for account no. [redacted], on November 4, 2015 for account [redacted], and on November 20, 2015 for account [redacted].  These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debts Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters.  A review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation from [redacted] on May 12, 2016.  Enclosed with the correspondence that was received at that time was a previous letter from [redacted] dated March 9, 2016.  The attached return receipt listed the recipient as “Midland Financing LLC, PO Box 101928, Birmingham, AL 35210.”  Please note, Midland Credit is not affiliated with Midland Financing LLC or the corresponding address to which [redacted] former letter had been mailed.  As a result, the letter was not received.
 
In [redacted] correspondence which was received on May 12, 2016, he referenced an original account number ending in [redacted], which corresponds to Midland Credit account no. [redacted].  Please note that Midland Credit had already opened an investigation for the account in response to a notice of possible dispute received from the credit reporting agencies on March 31, 2016. 
In response to the notice, Midland Credit mailed [redacted] a letter on April 22, 2016, advising him of the investigation and stating that the appropriate documentation had been requested.  Once the documentation was received, Midland Credit mailed a subsequent letter to [redacted] on June 20, 2016, which provided the identifying account information, advised that the credit reporting agencies had been requested to update the status of the account to “disputed,” and requested additional information regarding the dispute.  Additionally, verification information provided by the seller was enclosed for the account.
 In regards to account no. [redacted], Midland Credit mailed [redacted] a letter on May 20, 2016, advising that its records for the account were accurate, that the credit bureaus had been notified to continue reporting the account as disputed, and requested additional information regarding [redacted] claim.  Midland Credit also provided the verification information from the seller along with the letter. 
 
Although verification information provided by the seller was mailed to [redacted] in response to his disputes at those times, a copy of that documentation is again enclosed for his records.  Please note that a copy of the verification provided by seller for account no. [redacted] is also enclosed.  The verification information provided by the sellers 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.
 
[redacted] expresses an additional concern that he previously called Midland Credit and attempted to resolve the above-referenced accounts for 25% of each account balance.  As described in the complaint, [redacted] also questions the alleged conduct of certain Midland Credit employees during the call.  Please note that Midland Credit representatives have strict guidelines they must adhere to when offering and accepting payment offers. 
Due to those guidelines, Midland Credit was unable to accept [redacted] repayment offer.  Additionally, the alleged conduct described by [redacted] 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.
 
If [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in his account balances.  Please have [redacted] or his attorney call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances.
 
In the meantime, per [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.”  While they remain due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
 
Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing.  With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

Dear Revdex.com:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 4, 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] writes that she holds no contract nor received services from 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. [redacted] expresses a concern that her requests for validation have been ignored.  Midland Credit’s business records indicate that it began receiving notices of dispute from the credit reporting agencies beginning July 15, 2016.  In response, a copy of the verification information provided by the seller was mailed to Ms. [redacted] on July 27, 2016 and May 31, 2017.  A further review indicates that Midland Credit received a written correspondence from Ms. [redacted] on June 15, 2017.  Additionally, based on the information Ms. [redacted] provided and pursuant to the Texas Finance Code, Midland Credit appropriately responded by sending her a letter on June 26, 2017 advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate.
 
A copy of the verification information is 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.
 
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced account, is accurate.  Midland Credit will be closing its investigation of Ms. [redacted]’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.
 
Per Ms. [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, Ms. [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
AR: [redacted]
 Enclosure

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

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 18, 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, 2015.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on July 6, 2001 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on July 6, 2011.  The balance at the time of purchase was $30,378.98. 
[redacted] expresses a concern that he has not received validation of the debt.  On March 27, 2015, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on September 25, 2015.  In response Midland Credit mailed [redacted] a letter stating the matter was being investigated.  On November 4, 2015 a copy of the verification information provided by the seller was sent to [redacted].  A copy of that documentation is again enclosed for [redacted] records.
[redacted] also questions whether the account is collectible due to the expiration of the statute of limitations.  A review of Midland Credit’s business records indicates that the statute of limitations expired on December 8, 2015.  However, please note that the passing of the statute of limitations does not extinguish the validity of a debt.  Rather, it eliminates litigation as a potential remedy.
Similar to the statute of limitations, the expiration of the seven-year federal reporting period also does not extinguish a debt.  It only prevents the account information from being furnished to the credit reporting agencies.  A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in December 2017. 
Midland Credit acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit previously 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 were notified to delete Midland Credit’s reference to the collection account in question from [redacted] consumer credit files on October 9, 2015.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

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 45 days from the date of this...

notification.

August 3, 2015
 
VIA E-Mail
 
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 21, 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 July 29, 2014.  Information provided by the seller, Capital One Bank (USA), N.A., at the time of acquisition indicates this account was originated on September 29, 2009 as a Capital One Bank (USA), N.A. MasterCard account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on February 27, 2012.  The balance at the time of purchase was $534.09. 
 
Mr. [redacted] expresses a concern that his validation requests have been ignored.  On August 8, 2014, Midland Credit mailed Mr. [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Mr. [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Mr. [redacted] on May 28, 2015, which cannot be considered timely.
 
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.”  15 U.S.C. § 1692g(a)(3).  Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Mr. [redacted] and collect the debt. 
 
A copy of the verification information provided by the seller is enclosed for Mr. [redacted]’s 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.
 
If Mr. [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance.  Please have Mr. [redacted] call Midland Credit Account Manager Denise Longtin at (800) 825-8131 ext. [redacted] 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. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
GJG: ivf
 
Enclosure

Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I want the account deleted and to stop being reported to all three credit bureau. The debt is not valid and still have not had any validation of the debt after more then 30 days notice.Regards,[redacted]

Dear [redacted]
 Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
May 15, 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 21, 2011.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was
originated on November 28, 2007, as a [redacted] account number ending in [redacted]
in the name of [redacted], under the last four of the social security
number [redacted].  Subsequently, the account
was charged-off as an unpaid delinquent-debt on March 24,
2009.  The balance at the time of purchase was $1,285.11. 
 
[redacted] writes that she has never done business with Midland Credit.  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.  Please note that the
underlying promissory obligation remains valid, due and owing.  Just as the original creditor, [redacted], 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.
 
[redacted] also writes that Midland Credit did not notify her about the debt.  On May 3, 2011, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had
acquired the account, and of her rights pursuant to the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”). 
The letter was not returned as “undeliverable” by the United States
Postal Service, satisfying the notification requirements of the FDCPA.  15
U.S.C. § 1692.
 
Midland
Credit’s business records indicate that it did not receive any written
correspondence disputing the debt or requesting validation from [redacted] in
response to the letter.  In fact, no written
correspondence was received directly from [redacted] prior to the complaint
filed through your office, which cannot be considered timely.
 
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.”  15 U.S.C. § 1692g(a)(3).  Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact [redacted] and collect the debt.
 
A
review of Midland Credit’s business records indicates that it is accurately
reporting the above-referenced account to the three major credit reporting
agencies.  If [redacted] is ready to resolve
the above-referenced debt, she may qualify for a reduction in the account
balance.  Please have [redacted] call Account
Manager [redacted] at [redacted] to assist her 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 [redacted].
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted].
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
[redacted]

Dear Ms. ***:
 
Thank you for your letter inquiry
regarding Ms. ***’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
May 6, 2016. 
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, 2015.  Information provided by the seller, *** *** ***, at the time of acquisition indicates this account originated on January 7, 2013, as a *** *** *** Visa 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 April 29, 2014.  The balance at the time of purchase was $1,603.25.
 
Ms.
*** expresses concern over the payment arrangements on her account, namely
that after coming to an arrangement to resolve the balance and calling in to
make a payment, the Midland Credit representative was unable to accept her form
of payment as a one-time debit payment. 
While Ms. *** was offered an alternative method of payment, Midland
Credit apologizes for the inconvenience caused to Ms. ***.  Please note that Midland Credit
representatives have strict guidelines they must adhere to when offering and
accepting payment offers.  Due to those
guidelines, Midland Credit was unable to accept Ms. ***’s form of payment.
 
In
keeping with Midland Credit’s Consumer-First policy, and to provide the highest
level of consumer satisfaction, Ms. ***’s account has been referred to
Account Manager *** ***.  Ms. ***
may call her at (800) 825-8131 ext. *** to assist 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 Ms. ***.
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at (800) 825-8131 ext. *** should you
have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
Gregory Gerkin,
Esq.
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
*** ***

Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] 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 its previous letter response to your office dated
November 23, 2015. 
[redacted]
continues to express a concern that he did not receive validation in response
to a dispute he sent to Midland Credit in 2013. 
He also states Midland Credit has not acknowledged the letter from
February 2013. 
Midland Credit
sent [redacted] an initial validation notice in February 2012.  In its previous response to your office dated
November 23, 2015, Midland Credit stated it received the first correspondence
requesting validation from [redacted] on February 14, 2013, which cannot be
considered timely.  In the same letter
that he requested validation, [redacted] requested that all contact cease and
desist.  The account was appropriately
marked “Cease and Desist” at that time.  Per
his request to not receive contact, Midland Credit was unable to respond to [redacted] request for validation at that time. 
Please note, Midland Credit has acted appropriately
pursuant to applicable law.
Per
[redacted] previous request in his February 2013 letter, the
above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, [redacted]
will continue to not receive correspondence or calls from Midland Credit
representatives unless a response is required by law.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to [redacted]
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.


















[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry
regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
June 9, 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 25, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated
on January 3, 2008 as a [redacted]. residential
telephone
account number ending in [redacted], in the name of [redacted].  Subsequently, the account was charged-off as
an unpaid delinquent-debt on February 4, 2011.  The balance at the time of purchase was $222.45. 
 
Ms.
[redacted] requests Midland Credit delete this account from her credit
report.  Please note that Midland Credit stopped
credit reporting this account in May 2014.  If Ms. [redacted] still believes that Midland Credit
is reporting its tradeline on her credit report, she is encouraged to call Midland
Credit’s Consumer Support Services team at [redacted] ext. [redacted].
 
Ms.
[redacted] writes that she disputes and requests validation of her account.  On May 3, 2013, Midland Credit mailed Ms.
[redacted] a validation letter, which informed her that Midland Funding had
acquired the account, and of her rights pursuant to the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”). 
The letter was not returned as “undeliverable” by the United States
Postal Service, satisfying the notification requirements of the FDCPA.  15
U.S.C. § 1692.
 
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from Ms. [redacted] in response to
the letter.  In fact, no correspondence
was received directly from Ms. [redacted] prior to the complaint filed through
your office, which cannot be considered timely.
 
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.”  15 U.S.C. § 1692g(a)(3).  Because Midland Credit did not receive such a
notice at the time, Midland Credit appropriately proceeded with efforts to
contact Ms. [redacted] and collect the debt.
 
If
Ms. [redacted] is ready to resolve the above-referenced debt, Ms. [redacted] may
qualify for a reduction in her account balance. 
Please have Ms. [redacted] call Account Manager [redacted] at [redacted] ext. [redacted] to assist her in reaching a resolution of the account
balance.
 
In
the meantime, per Ms. [redacted]’s request for all communication
to be in writing, the above-referenced account has been marked “Direct
Mail Only.”  Ms. [redacted] will no longer receive phone calls from Midland
Credit representatives and all correspondence will be sent via the United
States Postal Service.
 
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to Ms. [redacted]’s.
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
[redacted]

July 21, 2017
 
VIA E-Mail
Revdex.com of San Diego
 Dear Revdex.com:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 13, 2017.  Midland Credit is the servicer of the above-referenced accounts on...

behalf of the current owner, Midland Funding, LLC (“Midland Funding”).  Midland Credit appreciates the opportunity to answer your questions.
 
Ms. [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit.  Consumers are sometimes unclear as to what the term “charge off” means for a debt.  When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books.  Often, they then sell the debt.  Please note that the underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account.  The above-referenced accounts remain collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
Ms. [redacted] expresses a concern that there are multiple accounts appearing on her credit report that she is not liable for.  The verification information provided by the seller of each of the referenced accounts is enclosed for Ms. [redacted]’s records.  Midland Credit’s business records indicates that it is not currently furnishing information to the three major credit reporting agencies regarding account no.  [redacted].  Additionally, a review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for account nos. [redacted] is accurate.  If Ms. [redacted] has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies.
 
A review of Midland Credit’s business records indicates that on March 19, 2017, account no. [redacted] was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”).  Additionally, Midland Credit’s business records indicate that on June 18, 2017, account no. [redacted] was placed with the Internal Legal Department.
 
Midland Credit encourages Ms. [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution of account nos. [redacted] and [redacted].  Ms. [redacted] may reach the Internal Legal Department at [redacted]  [redacted]
 
If Ms. [redacted] is ready to resolve account nos. 8[redacted], and [redacted], she may qualify for a reduction in her account balances.  Please have Ms. [redacted] call Account Manager [redacted] to assist her in reaching a resolution of the account balances.
 
Per Ms. [redacted]’s request for all collection efforts to cease, the above-referenced accounts have been marked “Cease and Desist.”  While they remain due and owing, Ms. [redacted] will no longer receive contact from Midland Credit representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
AR: kmh
 
Enclosure

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 27, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
[redacted] filed a similar...

complaint through the Consumer Financial Protection Bureau (“CFPB”).  A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on November 28, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account originated on June 10, 2009, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on January 13, 2012.  The balance at the time of purchase was $318.07. 
 
[redacted] states that Midland Credit has ignored her request for validation and continues to report the account to her consumer credit files.  On December 8, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  Please note that the letter was mailed to [redacted] at the same address listed within her complaint and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on June 23, 2015, which cannot be considered timely.
 
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.”  15 U.S.C. § 1692g(a)(3).  Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt.  A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account to the three major credit reporting agencies.
 
If [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance.  Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance.
 
In the meantime, Per [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

October 27, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted]Revdex.com# [redacted]MCM #: [redacted]Original Creditor: [redacted] BankOriginal Account #: [redacted]Affinity: [redacted]Dear Revdex.com:Thank you for your letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit...

Management, Inc. (“Midland Credit”) received on October 17, 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.Please note that 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 45 days from the date of this notification.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) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.[redacted],[redacted]

November 22, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of Ms. [redacted]Revdex.com# [redacted]MCM #: [redacted]Dear Revdex.com:Thank you for your follow-up letter inquiry regarding Ms. [redacted]’ complaint, which Midland [redacted] Management, Inc. (“Midland [redacted]”) received on November 14, 2017.  Midland [redacted] appreciates the opportunity to answer your questions.Ms. [redacted]’ recent complaint does not appear to contain new concerns from her original inquiry.  Accordingly, Midland [redacted] must respectfully state that its position has not changed from its previous response.Midland [redacted] continues to encourage Ms. [redacted] to work with [redacted] (“[redacted]”) to assist in reaching a positive resolution.  Ms. [redacted] may reach [redacted] at [redacted].  Their ph[redacted] number is (800) 292-[redacted].With that said, as Ms. [redacted] states that the account may be the result of some[redacted] using her personal information, Midland [redacted] stands ready to assist Ms. [redacted] in clearing her record if she has been a victim of identity theft or fraud.  If such is in fact the case, Midland [redacted] respectfully requests that Ms. [redacted] provide it with a copy of a police report showing that she reported the fraudulent activity.  Per Ms. [redacted]’ previous request, the above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, Ms. [redacted] will continue to not receive correspondence or calls from Midland [redacted] representatives unless a response is required by [redacted].Midland [redacted] considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland [redacted] apologizes for the inconvenience caused to Ms. [redacted].  Thank you again for your assistance in this matter.  Please contact Midland [redacted]’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland [redacted] Management, Inc.[redacted],Senior Manager Operations, Consumer Support Services[redacted]