Western Power Train Repair Ltd

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 12, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
Mr. [redacted] filed a similar complaint...

through the [redacted] (“[redacted]”).  A copy of Midland Credit’s response to the [redacted] is enclosed.  A review of Midland Credit’s business records indicates that Mr. [redacted] has retained an attorney. Going forward, all communication about the matter should be handled by his attorney.  If Mr. [redacted] is no longer represented by an attorney, Midland Credit requests that he provide written notice so Midland Credit may update its records and allow its representatives to communicate with him directly.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding [redacted] (“Midland Funding”), on September 29, 2011.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 13, 2002, as a [redacted] cellular 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 21, 2009.  The balance at the time of purchase was $1,158.37. 
 
Mr. [redacted] writes that Midland Credit is reporting this account on his credit report and has refused to verify the debt.  On October 7, 2011, Midland Credit mailed Mr. [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and informed him 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 written correspondence disputing the debt or requesting validation from Mr. [redacted] in response to the initial validation letter.  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.
 
Midland Credit received the first written correspondence requesting validation from Mr. [redacted] on September 4, 2013.  While this request was untimely, Midland Credit responded on or about September 18, 2013.  Midland Credit’s response included verification information from the seller, and indicated that Midland Credit was unable to determine the nature of his dispute.  The letter also stated that if he still believes the account information to be inaccurate, Midland Credit would require a written explanation along with documentation supporting this explanation.  Midland Credit did not receive any further written documentation from Mr. [redacted] until receipt of both the [redacted] complaint and this complaint.  Midland Credit did, however, receive several notices of possible dispute from the credit reporting agencies.  In response, Midland Credit mailed Mr. [redacted] letters requesting further explanation and documentation so that Midland Credit could better understand his dispute.  Midland Credit also mailed Mr. [redacted] the requested validation documentation again.
 
Another copy of the validation documentation is enclosed for Mr. [redacted]’s records.  If Mr. [redacted] believes that this account is the product of identity theft or fraud, please have him provide a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity.  An affidavit of fraud can be found at [redacted].  If submitting an affidavit of fraud, Mr. [redacted] should complete the form and have the form notarized. 
 
He may also contact Midland Credit online at [redacted], where he can email questions to a [redacted] (“[redacted]”) specialist, find the answers to frequently asked questions, and upload documents to support his request.  Uploaded documents are automatically sent to a [redacted] specialist, who will investigate his question and mail him a response.  Or, Mr. [redacted] may forward the documentation to [redacted] using the contact information on this letterhead.
 
Please note, until such documentation is provided, Midland Credit must respectfully conclude that the debt remains valid, due and owing and is accurately being reported to the three major credit reporting agencies.
 
In the meantime, per his previous request, this account will remain marked “Cease and Desist.”  While it remains due and owing, Mr. [redacted] 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 Mr. [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]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

A collection was added to my account from Midland Funding, LLC account number [redacted] in the amount of $980. Both these accounts are from [redacted] Bank.

June 9, 2017
VIA E-Mail
[redacted]Revdex.com of San Diego5050 Murphy Canyon, Ste. 110San Diego, CA 92123
Re:  Consumer complaint of Ms. [redacted] Revdex.com# [redacted]MCM# [redacted]Original Creditor: [redacted]Original Account #: [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 1, 2017.  Please note, the document from [redacted] which Ms. [redacted] references in her complaint was not included with her submission to your office.  Midland Credit appreciates the opportunity to answer your questions.
Ms. [redacted] expresses a concern that the above-referenced was erroneously placed in her name, as the account was opened without her authorization.  Ms. [redacted] further states that the derogatory information placed on her credit files has damaged her name, and she requests the information be removed.
Please be advised that Midland Credit has received notice that the account is currently in the process of being recalled by the seller.  Additionally, Midland Credit previously instructed the three major credit-reporting agencies to delete Midland Funding’s reference to the above-referenced account from Ms. [redacted]’s consumer credit files on May 26, 2017.  Going forward, please have Ms. [redacted] contact the seller to assist her with regards to the above-referenced account.
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 at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely, Midland Credit Management, Inc.
[redacted]Division Manager, Consumer Support Services[redacted]

Dear [redacted]
 
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
October 22, 2015.  Midland Credit appreciates the opportunity to
answer your questions.
 
An investigation
of this...

matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on August 29, 2008.  Information provided by the seller, [redacted]., at the time of acquisition
indicates this account was originated on December 1, 1999 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 15, 2007.  The balance at the time of purchase was $2,075.58. 
 
A review of Midland
Credit’s business records indicates that on February 15, 2009, this account was
assigned to [redacted] obtained a judgment for the account, which was filed with the court
on December 10, 2010.  A copy of the
judgment is enclosed for your records.   On May 20, 2013, the account was reassigned
to Midland Credit’s Internal Legal Department (“Internal Legal
Department”). 
 
[redacted] expresses
a concern that after she made payment arrangements to resolve the balance, the
sheriff’s office was not notified to terminate the pending garnishment.  The Internal Legal Department advises that
the payment arrangement was set up on September 10, 2015, which was after the
garnishment had been initiated.  As a
result, notice of termination of the garnishment was sent to the sheriff’s
office.  The garnished funds had not yet
been forwarded to Midland Credit.  A
review of the sheriff department’s case inquiry system indicates the file was
closed as of October 28, 2015 and that one of the two payments has already been
returned to [redacted]
The Internal
Legal Department has also advised that they have received another payment under
the payment arrangement.  Midland Credit
apologizes for the inconvenience caused to [redacted] and appreciates his
willingness to continue working towards the resolution of the judgment balance.
 
Should [redacted] have
any further concerns or wish to discuss the account further, he may send
written correspondence to the Internal Legal Department at PO Box 939050, San
Diego, CA 92193.  Additionally, their
phone number is [redacted]
 
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 [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 Mr. [redacted]’s
complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received August
2, 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.
 
Mr.
[redacted] writes that they are not responsible for this debt and 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.
 
A review of Midland Credit’s business records
indicates that on June 2, 2013, this account was placed with [redacted] (“[redacted]”).  Suit was
filed on August 16, 2013 and a judgment was obtained on September 26, 2013.  A copy of the judgment 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.
 
Midland Credit encourages Mr. [redacted] to work with [redacted] to assist in reaching a positive
resolution.  Mr. [redacted] may reach [redacted] at [redacted].  Their
phone number is [redacted]
 
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:
kmb
Enclosure

September 9, 2016
 
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 August 30, 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 March 28, 2012.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 5, 2008, 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 31, 2010.  The balance at the time of purchase was $4,851.59.
 
[redacted] indicates that she had requested Midland Credit to validate the debt. On April 2, 2012, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  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 written correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  Midland Credit did receive a notice of possible dispute from the credit reporting agencies on July 25, 2016. In response to the notice, Midland Credit mailed [redacted] a copy of the verification information provided by the seller on July 29, 2016, along with a letter advising her that the account had been marked as disputed on her credit report and requesting that she provide supporting documentation regarding her dispute.  Although verification information provided by the seller was already mailed to [redacted] in response to her dispute, a copy of that documentation is again enclosed for her records.
 
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 was not aware that it had been provided with an incorrect address until receipt of [redacted]’s complaint. Midland Credit has updated its records accordingly and apologizes for the inconvenience caused to [redacted].
 
[redacted] indicates that the debt has been settled with [redacted]. Please note that Midland Credit has no business relationship or affiliation with this company. Midland Credit inquired with [redacted] regarding [redacted]’s claims and they advised that they also do not have a business relationship or affiliation with [redacted] and confirmed that the account was not settled prior to charge-off. 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.
 
With that said, Midland Credit stands ready to assist [redacted] in clearing her record if Midland Credit is somehow attempting to collect an account which was resolved prior to Midland Credit becoming the servicer, and requests that she provide documentation or evidence which substantiates [redacted]’s claim.  [redacted] can contact Midland Credit online at [redacted] where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request.  Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response.  Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead.
 
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 [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

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 repeatedly asked for the itemized balance, interest and any charges from the inception of the credit card, so far, the statements that were sent began on June 26, 2014 to July 25, 2014 with a beginning balance of $715.95, the balance is incorrect and I do not owe 981.80 and I need Midland to verify the balance not send me a statement that has a balance and expect me to accept that I owe $981.80 but reflect all activities, based on the  Fair Credit Reporting Act I am due accurate information.   I would like to resolve this issue as soon as possible but I feel Midland has the wrong information and it could be easily settled if they supply the accurate information.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY]
This company is so bogus.  They use third party callers to call and harasse you and cause there probably overseas they don’t record your phone calls.  This has been proven in the past.  They sit here and harasse at home and at work and make several threats to use a scare tactics.  I have encountered this several time with Midland and back in 2016.  Its probable especially when I have them recorded using Midlands name as the company there calling on behalf.  So no I’m not satisfied with there response.  They need to go ahead and close these accounts out cause there fighting a losing battle just like the last time they lost.  
Regards,
[redacted]

I faxed the required form to 858-496-2141 since I do not have access to a scanner to send via email. Thank you.

Dear Ms. [redacted]:
 
Thank you for your follow-up letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 18, 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 July 13, 2015.  Mr. [redacted] now requests an explanation of the current balance on the account.  Please note that the account was purchased from the seller with all rights.  Interest charged by the original creditor is allowable by law.  Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased.  This information would also normally be included in the paperwork the consumer receives when the account is initially opened. 
 
Accordingly, Mr. [redacted]’s account has accrued interest at a rate of 6% between the time the account was purchased in June 2011 and December 2014, at which time Midland Credit made the business decision to stop doing so.  As evidenced in the verification information previously provided to Mr. [redacted], and enclosed here again, the interest rate charged by the original creditor prior to charge-off was 14.99%
 
Based on the above, Midland Credit must respectfully conclude that it is accurately reporting the account to the three major credit reporting agencies.  However, per Mr. [redacted]’s request to cease collection activity, the above-referenced account has been marked “Cease and Desist.”  While it remains due and owing, Mr. [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

Dear [redacted]
Thank you for your follow up letter inquiry regarding [redacted] 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 18, 2015, Midland Credit stated that it acknowledged his dispute of account no. [redacted], ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt.  Additionally, Midland Credit provided verification information for account nos. [redacted] and [redacted], and advised that its credit file, and the information being furnished for the accounts, was accurate.
In [redacted] follow-up letter, he writes in regard to account no. [redacted] and states that the balance is being falsely represented and is inaccurate, and references documentation showing a balance of $1,915.41 for the account, when Midland Funding, LLC purchased the account for $1,940.41.  Please note that the statement showing a balance of $1,915.41 is the last statement provided by the issuer, and shows the balance on the account through August 3, 2010.  However, as the account was not charged off until August 31, 2010, [redacted] may have assessed additional interest and fees, resulting in the balance of $1,940.41 at time of purchase by Midland Funding, LLC.
[redacted] further expresses concern about the balances of all the accounts, questioning why the balances are higher than the amounts for which Midland Credit purchased the accounts.  Please note that the accounts were purchased from their respective sellers with all rights.  Interest charged by the original creditor is allowable by law.  Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased.  This information would also normally be included in the paperwork the consumer receives when the account is initially opened.
[redacted] also states that, in regard to account no [redacted], he was advised by a Midland Credit representative that the balance for the account was $3,600.00 at one point in time.  Midland Credit is unable to locate a conversation where such a statement was made, and furthermore that it has never furnished information for the account with such a balance to the credit reporting agencies.  However, if [redacted] can provide Midland Credit with more specific details, including the date and time in which the referenced statement occurred, Midland Credit will investigate the matter further.
[redacted] continues to write that he believes that Midland Credit’s statement in the response to the [redacted] that it was in the process of obtaining verification information from the seller for account no. [redacted] is an admission that the information it had been reporting to the credit reporting agencies was inaccurate.  This is not the case.  As previously indicated, Midland Credit is taking additional steps to obtain verification documentation from the seller for [redacted]
Midland Credit must respectfully conclude that it has acted appropriately and in accordance with applicable law. A review of records indicates that the account information for account nos. [redacted] and [redacted] Midland Credit is furnishing to the three major credit reporting agencies is accurate.  Midland Credit will be closing its investigation of [redacted] dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act.  Information for account no. [redacted] will not be furnished to the three major credit reporting agencies until Midland Credit is able to provide [redacted] with verification documentation.
[redacted] may call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of his respective balances for account nos. [redacted] and [redacted].  Per [redacted] previous request for Midland Credit to not contact him, account nos. [redacted] and [redacted] will remain marked “Cease and Desist.”  While the referenced accounts remain due and owing, [redacted] 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 [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 Revdex.com:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 3, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC...

(“Midland Funding”).
 
Ms. [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit.  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 account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
Ms. [redacted] further expresses a concern that Midland Credit has failed to provide adequate proof of the account.  A review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on February 2, 2017.  In response, verification information provided by the seller was mailed to Ms. [redacted] on March 3, 2017.  A copy of that documentation is again enclosed for her 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.
 
Per Ms. [redacted]’s request, the above-referenced account has been marked “Cease and Desist.”  While it remains due and owing, Ms. [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] with any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
 
Enclosure

Dear Revdex.com:
 
Thank you for your letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 18, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
Final payments on both accounts were received on July 21, 2017.  Mr. [redacted] has no further financial obligation for either account.  Per Midland Credit’s policy, the three major credit reporting agencies have been notified to remove the collection tradelines.  A copy of the Universal Data Forms showing the requests which were sent to the credit reporting agencies are enclosed for his records.
 
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],
Division Manager, Consumer Support Services
AR: bi
 
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.
Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from credit one, they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisions.... Thank you
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.This has not been removed from [redacted] as of 6/15/2015Regards,[redacted]

Dear Ms. [redacted]:
 
Thank you for your follow-up letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 13, 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 August 3, 2015.  Mr. [redacted] continues to express concern that his requests for validation have been ignored. As referenced in his complaint, Midland Credit’s previous response indicated that validation documents provided by the seller were enclosed.  However, due to an administrative oversight, the referenced documents were not attached.  Midland Credit apologizes for the error and inconvenience caused to Mr. [redacted]; the referenced documents are now attached.
 
With that said, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account on August 17, 2015.  There will be no further collection activity, credit reporting or sale of this account.  In addition, the three credit-reporting agencies will be notified to delete Midland Credit’s reference to the collection account in question from [redacted]’s consumer credit files.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to 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: kal
 
Enclosure

Dear [redacted]
 
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 20, 2016.  Midland Credit appreciates the opportunity to answer your additional questions.  Midland Credit provided all of the account identifying information in its previous letter response to your office dated September 9, 2016.
 
In her most recent correspondence, [redacted] continues to indicate that the account has been settled. As stated in Midland Credit’s previous response, the seller, [redacted]. (“[redacted]”) has no record of the account being settled prior to charge-off and further indicated that it is not familiar with [redacted], Inc., the company [redacted] claims to have paid.  Unfortunately, the document that [redacted] provided is insufficient proof that the account was settled.  The document she provided is a settlement offer letter and does not prove that [redacted] actually made any type of payment to satisfy the debt.  In addition, the letter does not reference an account number.
 
If [redacted] has additional documentation, which includes account identifying information and proof of payment, Midland Credit encourages her to submit the documentation for further review.
 
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]
Assistant Secretary
*Admitted in Michigan, Not Admitted 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.
 
Regards,
[redacted]

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.
 
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”).  The full name of the original creditor for the above-referenced account is [redacted]. (“[redacted]”).  [redacted] then sold the account to Midland Funding on or about October 14, 2014, which was immediately placed for servicing with Midland Credit.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 23, 2010 as a [redacted] account number ending in [redacted] in the name of [redacted] [redacted], under the last four of the social security number [redacted].  Information provided by the seller indicates that [redacted] received the last payment for the account on December 15, 2013 in the amount of $68.86.  Subsequently, the account was charged-off as an unpaid delinquent-debt on July 27, 2014.  The balance at the time of purchase by Midland Funding was $2,913.79.  The current amount due is $2,913.79.
 
[redacted] expresses concern that he has attempted to contact Midland Credit to resolve the balance for the above-referenced debt, but has been unable to set up an arrangement with an Account Manager.  Midland Credit appreciates [redacted] willingness to resolve this account, and apologizes for the inconvenience [redacted] experienced in his attempts so far.
 
On September 3, 2015, a Midland Credit representative contacted [redacted] to see if he was still interested in resolving the account, and transferred him to an Account Manager.  [redacted] requested that a letter confirming his offer of $1,800.00 to resolve the balance be mailed to him before he submitted a payment.  This letter will be mailed to him at the same address provided in his complaint.
 
Midland Credit looks forward to continuing to work with [redacted] to reach a positive resolution.  Should [redacted] have any further questions or concerns about the payment arrangement, he may contact [redacted] to assist him, or Midland Credit’s Consumer Support Services team at [redacted].
 
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 
I [redacted] had a [redacted] card however it was paid off in the date you mentioned. So please get this off my credit report now or I will contact an attorney or press charges to you guys for fraud and false information pertaining to this .. Please remove Regards,[redacted]