Western Power Train Repair Ltd

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.  My acceptance is contingent upon the aforementioned trade lines to remain "deleted" from my credit reports and not reappear at a later time under the collection efforts of Midland Credit Management.  
Regards,
[redacted]

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 21, 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 8, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 8, 2007 as an [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 31, 2012.  The balance at the time of purchase was $878.14. 
While not the only item of concern referenced in her complaint, [redacted] questions whether Midland Credit is licensed to conduct business in the State of [redacted].  Please assure [redacted] that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies.  In [redacted] case, Midland Credit is registered with the [redacted] Department of Financial Institutions.  Please have [redacted] contact their agency for more information regarding licensing requirements.
[redacted] writes that she has attempted to contact Midland Credit to resolve the debt multiple times over the last year, but has been unsuccessful.  She also writes that the only responses she has received from Midland Credit indicate that it will not communicate with her.  A review of Midland Credit’s business records indicates that on October 6, 2013, this account was assigned to the law offices of [redacted] Midland Credit received notice from [redacted] in February of 2014 that [redacted] no longer wished to be contacted about the account, and the account was marked as “Cease and Desist”.  Subsequently, in April of 2014, the account was returned to Midland Credit for servicing.  Due to this restriction, any letters sent in response to [redacted] inquiries would have included language advising her that Midland Credit would not contact her further unless a response was required by law.  Please also note that Midland Credit is unable to locate record of a telephone conversation with [redacted] in the past year.
[redacted] also indicates that she may have previously resolved the balance, and has sent letters with details of the situation.  Midland Credit does not have record of receiving correspondence from [redacted] indicating that the account was previously resolved, or more specific details of her dispute.  With that said, in keeping with its Consumer-First policy, Midland Credit 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 will be notified to delete Midland Credit’s reference to the collection account in question from [redacted] consumer credit files.
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]

April 22, 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]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which...

Midland Credit Management, Inc. (“Midland Credit”) received April 14, 2016.  Midland Credit appreciates the opportunity to answer your questions.
[redacted] expresses a concern that she has been receiving calls from Midland Credit for three months.  An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to other consumers.  During a search for the correct consumers, [redacted]’s phone number was provided to Midland Credit representatives by a third party.  In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts. 
[redacted] states she answered one of the calls, advised the representative that she had never had the account, and requested for the calls to stop.  A review of Midland Credit’s business records indicates that a conversation, presumably with [redacted], took placed on March 23, 2016.  At that time, [redacted]’s phone number was appropriately disabled in Midland Credit’s computer system for the referenced account, and no calls were placed to [redacted] regarding that account after that conversation.  However, please note that calls continued to be placed, after March 23, 2016, to [redacted] regarding a separate account.
[redacted] indicates that Midland Credit representatives have contacted her excessively.  Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law.  A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law.
With that said, [redacted]’s phone number has since been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts.  [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced accounts.  Additionally, [redacted]’s phone number, [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts.
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]

See attached.

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

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]

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.
Although Midland
Funding has provided responses to my requests for validation dated August 25,
2015, and September 20, 2015, the responses were incomplete and did not constitute
a validation of the alleged debt.  In
both replies Midland claimed that they were unable to determine the nature of
my request and stated that their records were accurate.  Please note that Midland’s inability and/or refusal
to provide to me with factual documentation such as a copy of the original written
agreement between myself and the alleged creditor entities, [redacted] leads me to believe that I
am not responsible for this debt.  I
have specifically requested that Midland provide me with the following
information and documentation:
·      
What the money Midland says I owe is for;
·      
Explain and show me how Midland calculated what they
say I owe;
·      
Provide me with copies of any papers that show I
agreed to pay what they say I owe;
·      
Provide a verification or copy of any judgment
if applicable;
·      
Identify the original creditor;
·      
Prove the Statute of Limitations has not expired
on this account;
·      
Show me that Midland is licensed to collect in
my state; and
·      
Provide me with their license numbers and
Registered Agent.
Therefore, until Midland can validate this debt, any continued
collections efforts will violate the Fair Debt Collection Practices Act and I
will not hesitate to take legal action against them.  Furthermore, if Midland funding is unable to
provide myself, the Revdex.com, CFPB, and the [redacted] Attorney General’s office with
documentation to validate the debt, I demand that Midland immediately update
and remove all inaccurate collection listings from my credit report.  Failure to update this information to the
main credit repository agencies will result in legal action.
Regards,
[redacted]

Attached are:1) Release Authorization2) Letter I sent them requesting validation3) Their response to my validation request

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”), on March 13, 2012.  Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on [redacted]uary 11, 2005 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 June 13, 2010.  The charge-off balance was $226.91. Additional seller fees of $56.73 resulted in a balance at the
time of purchase by Midland Funding of $283.64. 
 
[redacted] expresses a concern that their validation requests have been ignored and
wants evidence that Midland Credit can collect on the debt.  On April 15, 2012, Midland Credit mailed the
consumer a validation letter, which informed them that Midland Funding had
acquired the account, and of their 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 their 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 while it began receiving notices of possible
dispute from the credit reporting agencies in August 2015, it did not receive
correspondence directly from the consumer prior to the complaint filed through
your office.
 
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 the consumer and collect the debt.
 
[redacted] also questions whether the account is collectible due to the expiration of
the statute of limitations as they state they have not had a [redacted] account
since [redacted]  As indicated above, the debt originated with [redacted] in 2005
and was charged off in 2010.  A review of
Midland Credit’s business records indicates that the statute of limitations is not
set to expire until February 2016.  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 an account from
being reported 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 does not expire until January 2017. 
 
Although
the current request for validation of the debt is untimely, a copy of the
verification information provided by the seller is enclosed for [redacted]
records.  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 this debt, they may qualify for a reduction in their
account balance.  Please have the
consumer call Midland Credit Account Manager [redacted] at [redacted] to assist them 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]
 
Enclosure

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 15, 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 26, 2014.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account originated on September 3, 2012, 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 15, 2013.  The balance at the time of purchase was $806.53.  A review of Midland Credit’s business records indicates that on August 24, 2014, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”).
[redacted] expresses concern that Midland Credit is attempting to collect a debt that may have resulted from fraudulent charges to her [redacted] account, and requests that documentation from the disputed period in 2013 to show what purchases were made.
 
Midland Credit has received and reviewed documentation from [redacted], including a letter from [redacted] dated August 6, 2015, referencing a [redacted] credit card ending in [redacted].  This letter indicates that after [redacted] purchase of the [redacted] freezer in September 2012, $723.22 was charged to the account ending in [redacted].  There were no subsequent purchases and the account was charged off for non-payment in October 15, 2013.
With that said, Midland Credit has reached out to the seller to obtain further information and documentation, and will cease collection efforts while it obtains the requested information. Once Midland Credit has obtained such information and documents, a copy will be forwarded to your office.  Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide further information.
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.
 I am vigorously disputing Midland's response because I have never received any Verifications or documentation from them.  I had requested vouchers, transactions and interest rates throughout the tenure of the loan I had with [redacted] but Midland failed to provide same.  They also claimed it passed the time frame to bring this matter to court.  Although Midland states they are not required to provide this documentation, I have spoken to my attorney and he agrees that I should be disputing this amount without the proper documentation that Midland should be providing.  However, he also did say that the time frame to do this has passed so Midland legally cannot take me to court any longer. In light of the above, Midland should provide the requested information so I will know that the amount is true and accurate that they insist on reporting.  If they claim they did so, I am not in receipt of it and it was never sent certified or by any other manner that would provide proof that they did, in fact, send it.
Regards,
[redacted]

8-29-16 I spoke with [redacted] at Midland and asked her why they haven't cleared my case with the court as per civil section 724.050, she said that didn't apply to them and their policy is 90 days. I asked her if she could check with handling attorney, and see when it would be cleared and she hung up...

on me. Unable to get a straight answer out of anyone there.

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
The response supplied by Midland Credit Management, concerning
my complaints against Midland Credit Management appears to be a
computer-generated form letter offering little more than an amount and a date
concerning the alleged debtI do not understand how this company can claim to
be collecting a legitimate debt when they cannot provide any evidence to
support the claims that a) this debt is a legitimate debt, b) proof that
Midland Credit Management has permission to collect this debt, c) they have
provided previous verification of this debt), and d) that Midland currently
possesses any documents of this debt
Since this company has failed to provide any evidence of the
claims made in their response, I am led to believe that Midland Credit
Management doesn't possess adequate documentation to collect this alleged debt
In order to provide proof that a) this debt is legitimate, and b) they have the
right to collect this debt, I am requiring the following documentation as
proof:
The original contract including my signature
All monthly statements from this account from the day it was
opened with the original creditor until it was assigned with Midland Credit
Management
Contract between [redacted] and Midland Credit
Management for this account, granting them ownership of this account
The monetary amount for which Midland purchased this account
from [redacted]
Day-by-day breakdown of the charges, Interest, and fees that
Midland Credit Management has added to the account since it purchased the
account
Contract between [redacted] and Midland Credit
Management that provides Midland with the ability to collect on this account
Until the documentation requested in this letter is provided, I
can only assume that this debt does not exist and a clerical error has
occurredIn addition, until this documentation can be provided, I want this
account removed from all three (3) credit reports immediately. Thank you for your help in resolving this matter
Regards,
[redacted]

May 6, 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]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 22, 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 October 2, 2015  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 28, 2014 as a [redacted].com credit card 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 26, 2015.  The balance at the time of purchase was $108.42.
[redacted] expresses a concern that he has never done business with [redacted].  On January 29, 2016, 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).  
A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on February 26, 2016.  Upon receipt of [redacted]’s correspondence, Midland Credit acknowledged his dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt.  Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office.  Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debt.
With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud.  If such is in fact the case, Midland Credit may be able to more quickly resolve his dispute if [redacted] provides it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity.  Please note that an affidavit of fraud can be found at [redacted]  If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized.  [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his 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.
[redacted] expresses concern that Midland Credit’s letter indicated that the account may be reported to the credit reporting agencies.  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 would remain valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation and furnish account information to the credit reporting agencies, the new third-party purchaser would also have the right to repayment of the credit account and to furnish account information to the credit reporting agencies.  However, as referenced above, Midland Credit will not furnish account information to the major credit reporting agencies until it is able to provide [redacted] with verification of the debt.
[redacted] writes that when he contacted the original creditor, the representative advised him that there was no record of the above-referenced account.  Please note that it is not uncommon for a credit provider to archive an account once it has been sold.  Therefore, when contacted by [redacted], the representative of the original credit provider may not have had access to the pertinent account information.
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]

January 27, 2017
 
VIA E-Mail
[redacted]
 
Re:      Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 18, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
A review of Midland Credit’s business records indicates that Ms. [redacted] has retained an attorney. Midland Credit has no record of her attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Ms. [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 27, 2016.  Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on January 25, 2015, as a [redacted] Bank/Amazon credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number 2802.  Subsequently, the account was charged-off as an unpaid delinquent-debt on April 25, 2016.  The balance at the time of purchase was $990.71. 
 
A review of Midland Credit’s business records indicates that on June 22, 2016, this account was placed with [redacted] (“ACF”) for servicing, but was placed back to Midland Credit on August 16, 2016 after ACF received a verbal dispute from Ms. [redacted].
 
In response to Ms. [redacted]’s dispute, Midland Credit mailed her verification information provided by the seller on August 19, 2016, along with a letter advising her that Midland Credit had investigated her dispute and had determined that it’s records and the information it was furnishing to the credit reporting agencies was accurate. Although verification information provided by the seller was already mailed to Ms. [redacted] in response to her previous dispute, a copy of that documentation is again enclosed for her records.
 
In the complaint, Ms. [redacted] alleges that she contacted [redacted] multiple times in 2014 to notify them that she had never received the merchandise for which she was billed. As mentioned above, this account wasn’t opened until January 25, 2015, which is after her alleged contact with [redacted].
 
Midland Credit contacted the seller and confirmed that Ms. [redacted] disputed the account for fraud on April 20, 2016, through the credit reporting agencies, but she never responded to the sellers request for further information to substantiate her claim. Additionally, the seller has no record of receiving a complaint from Ms. [redacted] indicating that she did not receive the merchandise for which she was billed.
 
Ms. [redacted] states that Midland Credit has no right to bill her or furnish information to her credit report. 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, Midland Funding, 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 the account information it is furnishing to the three major credit reporting agencies is accurate.
 
Ms. [redacted] mentions that when she spoke with Midland Credit representatives she had requested that no calls be made to her work place. On July 12, 2016, per her request, Ms. [redacted]’s work phone number was marked as “Do Not Call” by the representative she spoke with that day. No calls were subsequently placed to that phone number. Please note that the alleged conduct described by Ms. [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 m[redacted]er.
 
If Ms. [redacted] is ready to resolve the above-referenced debt, she 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.
 
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.  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], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
GJG: [redacted]
 
Enclosure

Dear Ms. [redacted]:Thank you for your follow up letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 9, 2017.  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 December 28, 2016.Ms. [redacted] also requests that Midland Credit provide proof that it has the right to collect the debt.  Once a creditor "charges off" an account and sells the debt, the underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account.  A copy of the Bill of Sale is enclosed for Ms. [redacted]’s records. Ms. [redacted] continues to state that Midland Credit has failed to provide the original written agreement with her signature. As previously advised, the verification information provided to Ms. [redacted] in Midland Credit’s previous letter response 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.With that said, 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.  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] Esq.Corporate Counsel, Legal Affairs & Compliance*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

Dear[redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 8, 2016.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland...

Credit is the servicer of an account belonging to another consumer.  During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party.  In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.  Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office.
[redacted] phone number [redacted] has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account.  [redacted] will no longer receive calls at that number from Midland Credit representatives regarding the referenced account.  Please note that Midland Credit does not have phone number [redacted] in its system.  [redacted]’s phone numbers have been added to an exclusion list to prevent them from being called in the future regarding the referenced 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 find that this resolution would be satisfactory to me.  Thank you very much.
Regards,
[redacted]

July 22, 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 July 13, 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 24, 2014.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 21, 2013 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 28, 2014.  The balance at the time of purchase was $826.96. 
 
[redacted] expresses a concern that he is receiving phone calls and letters regarding an account his ex-wife fraudulently opened in his name.  On December 5, 2014, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to Mr. [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 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.
 
In response to [redacted] claim of identity theft, verification information provided by the seller was mailed to him on July 6, 2016.  A copy of the verification information is again attached for [redacted] records.   In addition, 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.
 
[redacted] states that Midland Credit requested him to send a copy of his police report, but before he sent it in, he began receiving phone calls from Midland Credit attempting to collect upon the above-referenced debt.  [redacted] states that he spoke with a Midland Credit representative at a later date and was advised that it wasn’t necessary for him to send in a copy of his police report and that someone would contact him within 30 days.  Midland Credit apologies for any confusion [redacted] has experienced, as a review of Midland Credit’s business records do not indicate [redacted] was advised to not send in supporting documentation. 
 
If upon review of the enclosed documentation [redacted] still does not recognize the above-referenced account, Midland Credit stands ready to assist him in clearing his record.  Midland Credit respectfully requests that [redacted] provide it with a copy of the police report he references in his inquiry.  Or [redacted] may provide an affidavit of fraud showing that he reported the fraudulent activity.  Please note that an affidavit of fraud can be found at [redacted]  If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized.  [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his 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.
 
[redacted] expresses an additional concern that his fiancé has received phone calls from Midland Credit.  While [redacted] did not provide his fiancé’s phone number in his inquiry, a review of Midland Credit’s business records indicates that Midland Credit’s representative spoke to someone claiming to be [redacted]’s fiancé on May 31, 2016.  At that time, the phone number provided by her ending in[redacted] was appropriately disabled.  However, if he would like to confirm that his fiancé’s phone number has been disabled he may contact Midland Credit using the information below.
 
[redacted] states that during a phone conversation with a Midland Credit representative he asked to be transferred to a domestic representative, but he was not transferred as requested.  A review of Midland Credit’s business records indicates that the Midland Credit representative was in the process of transferring [redacted]’s call, as requested, but the call was disconnected prior to the completion of the transfer. 
 
Per [redacted]’s request to no longer be contacted, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [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 [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

I am not satisfied with MCM statement. On my credit report it states: Closed, Derogatory. The credit report should state: Closed, Current $.0 balance. This is what I want changed on my report. Thanks