Western Power Train Repair Ltd

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 29, 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 December 23, 2010.  Information provided by the seller, [redacted] N.A., at the time of acquisition indicates this account was originated on June 24, 2006, as a [redacted] 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 February 3, 2010.  The balance at the time of purchase was $609.86.
[redacted] expresses a concern that his request for validation was ignored.  On December 30, 2010, Midland Credit mailed him a validation letter.  Please note that the letter was mailed to him 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 him on September 8, 2015.  In response, Midland Credit appropriately mailed him a letter on September 16, 2015 requesting supporting documentation of any specific dispute [redacted] may have.  To date, no such documentation has been received.
With that said, upon receipt of [redacted] complaint, Midland Credit has marked his account as “Direct Mail Only” in accordance with his request to receive all future correspondence via mail and stop attempts to reach him by telephone.  Additionally, Midland Credit has acknowledged his current 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.
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.
At this point, we're just going back and forth. You stand firm in your dishonest business practices, and I stand firm that I paid in full to have the debt removed from my credit. I wish for this complaint to be finalized as unresolved due to dishonesty on Midland's part. You have my full permission to publish the entire complaint and all communications to the Revdex.com website. Perhaps it will help others who may be conned into thinking they are entering into an agreement that Midland definitely won't stand by. A word of advice, folks: Make sure you get any and all agreements *in writing* from this company before you pay them a dime. Also, challenge any lawsuits they may have against you to collect. It's possible more often than not to get lawsuits by Midland thrown out if you just fight back. They count on the fact that 90% of the people they sue won't even show up in court, and will have a default judgment made against them. They've paid out millions in settlements because they've illegally robo-signed legal documents. Oh, and don't bother trying to reach them on the phone because you'll be talking to someone from India or Pakistan who barely speaks English.
Regards,
[redacted]

Dear Revdex.com:Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 25, 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] expresses a concern that her requests for validation have been ignored.  A review of Midland Credit’s business records indicates that it began receiving notices of dispute through the credit reporting agencies on or about April 28, 2015.  Additionally, Midland Credit received correspondence directly from Ms. [redacted] on June 26, 2017, and a complaint submitted through the Consumer Financial Protection Bureau on July 13, 2017.  In response to her disputes, the verification information provided by the seller was sent on May 20, 2015, August 12, 2016, and June 22, 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.Midland Credit’s business records indicates that on August 17, 2014, this account was placed with [redacted].  Midland Credit encourages Ms. [redacted] to work with [redacted] to assist in reaching a positive resolution.  Ms. [redacted] may reach [redacted] at [redacted] 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 contact from Midland Credit representatives unless a response is required by law or it is for a specific purpose related to legal efforts.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[redacted]

July 22, 2016
 
VIA E-Mail
 
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of Mr. [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
 
Dear [redacted]
 
Thank you for your letter inquiry regarding Mr. [redacted]’s 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 March 15, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 8, 2011, 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 February 27, 2012.  The balance at the time of purchase was $595.16.  Final payment on the account was received by Midland Credit on August 13, 2014.  Mr. [redacted] has no further financial obligation for this account. 
 
A review of Midland Credit’s business records indicates that on June 24, 2012, this account was placed with [redacted] subsequently placed the account with [redacted] who obtained judgment on January 7, 2013.  Due to a miscommunication, Midland Credit was not informed that a judgment had been obtained. 
 
At that time, Mr. [redacted] was making payments to Midland Credit instead of the firm servicing the account.  As a result, Midland Credit requested that the firm return the account to Midland Credit for servicing. Mr. [redacted] finished paying the full balance of the account; however, since Midland Credit was not properly advised that a judgment was obtained, it was unaware that a satisfaction of judgment needed to be filed.
 
As described in the complaint, Mr. [redacted] questions the alleged conduct of certain Midland Credit employees.  Please note that Midland Credit has finished conducting an investigation regarding the alleged conduct of its employees, and has determined that the initial representatives with whom Mr. [redacted] spoke were unable to ascertain that a judgment had been obtained as Midland Credit was not notified of that fact.  The representatives did follow the appropriate procedures for attempting to resolve concerns related to judgments when no information regarding a judgment is available, and properly advised Mr. [redacted] that the process normally takes three to seven days to complete.  Midland Credit sincerely apologizes for the misunderstanding and inconvenience.
 
On June 13, 2016, the same day that Midland Credit received Mr. [redacted]’s complaint, he called in and spoke to another Midland Credit representative.  During that conversation, the representative requested that Mr. [redacted] send a copy of the judgment since one had not been provided by the firm.  Upon receipt of the judgment, the representative forwarded it to the appropriate department with a request that the judgment be satisfied in an expedited manner.  That department was able to complete the filing of the satisfaction of judgment on June 15, 2016.  That same day, Mr. [redacted] was sent a copy of the satisfaction of judgment by mail and fax.  Another copy of the satisfaction of judgment is enclosed for Mr. [redacted]’s records. 
 
Mr. [redacted] also appears to take exception to the use of aliases by Midland Credit’s representatives.  The use of aliases by its representatives is allowable by law.  Additionally, the aliases used are registered with the appropriate regulators in those locations where they are required to be registered. 
 
Please assure Mr. [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 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,
 
[redacted], Esq.
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 September 26, 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] expresses concern about an unknown account appearing on his credit report, further stating that he has never received services from Midland Funding.  An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding on January 29, 2015.  Information provided by the seller, Sherman Originator III, LLC, at the time of acquisition indicates this account was originated on April 14, 2014, as a [redacted] N.A. Visa 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 21, 2014.  The balance at the time of purchase was $616.18. 
 
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 the account information it is furnishing to the three major credit reporting agencies is accurate.
 
A copy of the verification information provided by the seller is enclosed for Mr. [redacted]’s records.  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 [redacted] at (800) 825-8131 ext. [redacted].
 
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],
Senior Manager Operations, Consumer Support Services
AR: [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.
Marking the account as cease and desist is not resolving the issue. The debt will still exist. I contacted [redacted] and was told I needed to contact Midland because they did not have the authority to agree to the terms of my offer. I faxed the offer to both offices agreeing to pay the $275 in exchange  of them removing the debt from my [redacted] history. I have already paid hundreds of dollars towards a debt that I do not owe yet still agreed to pay just to make it go away. I menti[redacted]d that my sister in [redacted] was living in my house the year they claim this debt was acquired and it may have been her because I don't know any[redacted] else who would have access to my personal information. This is also another reason I wanted to see the [redacted] card application so that I could see the signature. Nevertheless, Midland and [redacted] have provided me with NO proof of an agreement. I find it hard to believe that Midland is allowed to collect debts and sue people without producing a copy of the agreement. I don't feel that I'm asking for much. Where is the application? How on earth can an organization garnish wages and income taxes without proof their was a binding agreement between both parties?As for implying I must be confused regarding Midland's practices. Midland Funding LLC aka Midland [redacted] Management, Inc. (as I have received letters using both names) may be operating within the [redacted] but they have numerous complaints on Revdex.com, scam websites and there's even a [redacted] about them. The company is definitely 'shady' as they sent a garnishment letter two weeks ago to [redacted] where I had recently closed an account for the debt knowing very well I have been trying to negotiate with them. So while they try to make it look like they're playing fair while dealing with the Revdex.com, they're trying to stab me in the back. 
Regards,
[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.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated April 11, 2016.  In the previous response Midland Credit stated that it had acknowledged [redacted] dispute, ceased collection efforts, annotated account number [redacted] as disputed, and was in the process of verifying the debt. 
Midland Credit has since obtained verification information from the seller.  A copy of the verification information for account [redacted] is enclosed.  Please note that during this investigation period, Midland Credit had notified the credit reporting agencies to cease reflecting the collection tradeline for account number [redacted] on [redacted] consumer credit files. Midland Credit has made the business decision not to request the tradeline be reinstated for this account. 
Verification information from the seller for account [redacted] was enclosed in Midland Credit’s previous response to your office on April 11, 2016.  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 number [redacted] is accurate.
[redacted] is requesting proof of service for account number [redacted].  A review of [redacted] (“[redacted]”), records indicates that [redacted] was personally served on May 17, 2013.  Proof of service is attached for [redacted] records. 
[redacted] states that she does not acknowledge the debt and is requesting all documents and proof of her signature.  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.
[redacted] expresses a concern that the debts are time barred due to the statute of limitations.  A review of Midland Credit’s business records indicates that the statute of limitations has expired for account number [redacted].  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.  In regards to account number [redacted], Midland Credit’s business records indicate that suit was appropriately filed prior to the expiration of the statute of limitations.
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 accounts has not expired.
Per [redacted] request for communication to stop, the above-referenced accounts have been marked “Cease and Desist.”  While they remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by [redacted] or it is for a specific purpose related to legal efforts.
In regards to account number [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution. The firm may be reach be reached at [redacted] Their phone number is[redacted]
If [redacted] is ready to resolve account number [redacted] 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.
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

June 26, 2017
 
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 Ms. [redacted]:
 
Thank you for your letter inquiry regarding...

Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 16, 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 with a name similar to yours.  During a search for the correct consumer, your 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. 
 
Your phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account, you will no longer receive calls from Midland Credit representatives.  Additionally, your phone number, [redacted] has been added to an exclusion list to prevent it from being called in the future.
 
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

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 9, 2016.  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   March 15, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on July 5, 2011 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 February 12, 2012.  The balance at the time of purchase was $595.65. 
[redacted] states that she has never had a [redacted] credit card and does not know why the account is being reported.  Midland Credit sent [redacted] a validation letter on March 25, 2012.  In the letter, Midland Credit informed her that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in 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 received the first correspondence from [redacted] on January 11, 2016.  The letter indicated that [redacted] was requesting documentation on an “alleged” debt.  Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending her a copy of the verification information provided by the seller and a letter on January 22, 2016 advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate.
Please note that the verification information provided by the seller 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.  In addition, Midland Credit acted appropriately in subsequently furnishing information to the three major credit reporting agencies that this account is disputed.
Ms. [redacted] questions whether Midland Credit is able to assess interest and fees to the above-referenced 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. With that said, Midland Credit made the business decision to stop charging interest in December 2014.
Midland Credit acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account on March 17, 2016. 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 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 20, 2016.  Midland Credit appreciates the opportunity to answer your questions.  [redacted] filed a similar complaint through the...

Office of the Attorney General, State of California (“AG”) and Consumer Financial Protection Bureau (“CFPB”). 
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 30, 2015.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on January 18, 2013 as a [redacted]. general consumer loan 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 29, 2014.  The balance at the time of purchase was $7,415.83. 
The seller has indicated that the above-referenced account has two original account numbers for identification purposes.  Both account numbers appear in the system.  The last four digits of the additional identifying account number are [redacted].  Midland Credit received representations and warranties from the seller that the information provided is accurate.
[redacted] states that he has disputed this information with [redacted] and would like the account removed from his credit report.  On July 13, 2015, 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 correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  However, a review of Midland Credit’s business records indicates it began receiving notices of possible dispute from the credit reporting agencies on December 11, 2015.  A copy of the verification information provided by the seller is enclosed for your records.
[redacted] expresses a concern that Midland Funding is reporting a re-aged account on his credit report.  Please assure [redacted] that Midland Credit does not modify or alter any of the original account information provided by the seller, such as the name of the consumer, or the date of occurrence.  Midland Credit furnishes information on the accounts it acquires based on the business records maintained by the original lender/seller.  In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”  The open date listed on [redacted]’s credit report is in fact the date of purchase by Midland Funding LLC.  
If [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary.   The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself.  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 [redacted] is ready to resolve the above-referenced debt, [redacted] may qualify for a reduction in his account balance.  Please have [redacted] call Account Manager [redacted] at [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 [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 March 10, 2016.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that...

Midland Credit is the servicer of four accounts belonging to [redacted] however, only three of those accounts were mentioned in the complaint.  Account information for the fourth account is included for [redacted] information.
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on July 20, 2015.  Information provided by the seller, [redacted]. at the time of acquisition indicates this account was originated on March 31, 2010 as a [redacted]. [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 19, 2014. The balance at the time of purchase was $548.92. 
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, LLC, on July 20, 2015. Information provided by the seller, [redacted]. at the time of acquisition indicates this account was originated on November 4, 2010 as a [redacted]. [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 11, 2014.  The balance at the time of purchase was $788.38. 
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, on July 20, 2015. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 17, 2010 as a [redacted]. [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 19, 2014.  The balance at the time of purchase was $980.95.
Midland Credit became the servicer of account number [redacted] on behalf of purchaser, Midland Funding, on May 28, 2014. There was no reference to this particular account in [redacted] complaint. With that said, information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 15, 2010 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 31, 2014.  The balance at the time of purchase was $989.32. 
[redacted] expresses a concern that her requests for validation have been ignored.  Midland Credit mailed [redacted] separate and unique validation letters – on August 10, 2015, for account numbers [redacted], [redacted] These letters informed her that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt 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 received three pieces of correspondence from you, in January 2016, requesting validation of account numbers [redacted], [redacted].  Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] letters for each account on February 3, 2016, advising her Midland Credit had determined that its credit file, and the information it is furnishing for each of the above-referenced accounts, was accurate.
Upon receipt of [redacted]’s subsequent dispute, regarding account numbers [redacted],[redacted], Midland Credit acknowledged [redacted]’s dispute, annotated the accounts as disputed, and has ceased collection efforts while it is in the process of verifying the debts.  Please note that Midland Credit requires additional time to fully investigate the matter and provide the information requested. Once Midland Credit has obtained verification of the debts, copies will be mailed to your office.  Additionally, Midland Credit is not furnishing account information to the three major credit reporting agencies, in fact the trade lines for the account numbers referenced in the complaint were deleted on February 29, 2016.  
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]

I have reviewed the response made by the business in reference to complaint ID [redacted]. I will wait for the business to perform this action.
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.midland funding has not reached out to the credit bureaus as I have called all three and none of them have said that Midland funding requested the alleged [redacted] account to cease reporting. Furthermore, the account still shows on the credit reports in my most recent copy as of a few days ago. Lastly, midland funding provided a so called certificate of service to the District Court for the [redacted] account yet the description of the person served isn't me proving I had no knowledge of this suit or any chance to defend myself for the fraudulent account.
To make matters worse they received a default judgement and my wages were garnished and shows satisfied in the court records. Yet 1,700 is being pursued on my credit report for an account that was never mine to begin with. I've never had a credit card with [redacted]. They aren't sending documents with signatures because they don't have any. I lived with my now 4 year old son at 1813 Elton road yet the certificate of service states a woman 24 years old 5'7 was served. I would have been 29 at that time and I'm 5'9. Midland funding are a bunch of crooks with shady business practices that use fake accounts to get default judgements. I was never served and these accounts were not mine and they have yet to show signed proof their either had he right to be reported to the bureaus in the first place.Regards,[redacted]

October 31, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted]Revdex.com# [redacted] MCM #: [redacted]Original Account #: [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 October 23, 2017.  Midland [redacted] appreciates the opportunity to answer your questions.As stated in its previous response, a review of Midland [redacted]’s business records indicates that Ms. [redacted] may have retained an attorney. Midland [redacted] has no record of Ms. [redacted] attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact him/her directly. If Midland [redacted] does not receive attorney information, it will assume that Ms. [redacted] is not or is no longer working with legal counsel and will mark her account accordingly.Ms. [redacted] requests a copy of the agreement with Midland Funding’s client granting the authority to collect the debt, proof of contractual obligation to pay the debt, and other documents and information regarding the sale of the account.  Midland [redacted] respectfully maintains that it has provided such information in its previous response.  Copies of the bill of sale verifying Midland Funding as the rightful owner of the account were previously enclosed, along with a copy of a seller data sheet confirming the account was included in the purchase by Midland Funding.  Additionally enclosed now is a copy of the cardholder agreement issued by [redacted]., which references the rights for the agreement between Ms. [redacted] Bank, N.A., and its successors or assigns.Ms. [redacted] also requests proof that her full social security number was included in the purchase, and expresses concern that only the last 4 numbers of her social security number were provided.  Midland [redacted] is committed to consumer privacy, and does not disclose complete social security numbers in its written communications.  Please assure Ms. [redacted] that Midland [redacted] does not modify or alter any of the original account information provided by the seller, including the social security number.  Ms. [redacted] is encouraged to contact Midland [redacted]’s Consumer Support Services team by ph[redacted] to verify the information Midland [redacted] has on file.  If Ms. [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance.  Please have Ms. [redacted] contact Midland [redacted] Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balance.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 contact from Midland [redacted] representatives unless a response is required by law.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]
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.
This is a notice that
I am rejecting MCM provided documentation supporting their debt claim under the
Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(b). Pursuant to the
FDCPA, they must (a) provide the requested information before continuing collection
activity, or (b) stop all collection activity.
Provide me with all
competent evidence that I have a legal obligation to pay MCM, including, but
not limited to:
Provide Itemized statements or credit card statements from Account Number that
demonstrate how the alleged amount was calculated, MCM has been reporting this
balance against this account to all 3 credit reporting agencies on my credit
report
A contract, agreement, assignment, or other means demonstrating that MCM, had
the authority and capacity, and was legally entitled to collect on the alleged
debt from Account Number
A notarized statement, if presently existing or otherwise, by a person with
original knowledge of the alleged debt, as it was constituted, and who can
testify, or be so interrogated in a deposition, that the alleged debt was
incurred legally
Any further documentation, beyond what has been previously requested, that
clearly establishes my liability and/or responsibility to the alleged debt
Any and all notes, memoranda, or likewise, be they handwritten, computerized,
or typed, regularly kept in the normal transaction and business of collecting
debts, that relate to this Account
 
Proof of the Date of Last Activity (DOLA) as evidenced by date of the last
payment made on alleged Account, check # or draft #, amount paid and copies of
the DOLA as reported on My credit report (All 3 credit agencies). If these
dates do not correlate or match, please provide evidence as to why the
discrepancy
MCM's Articles of Incorporation and Name of the Registered Agent in State of NH
Provide proof that MCM is licensed to collect debt in the State of NH and has procured a bond as required by the State of NH
Provide proof that MCM is licensed and authorized to solicit the right to
collect or to receive payment for the claim of another in the State of NH
Until MCM has provided the above evidence to validate the debt, they may not
continue collection activity, and  may not contact me. If anyone from MCM
has reported any negative information to any credit reporting agency, they must
now report that information as disputed under 15 U.S.C. § 1692e(8).
Once MCM provides the requested documentation, I will require 30 days to
investigate the information. During this time, you must cease collection
activity. MCM should not report negative information to the credit bureaus
during this validation period.
If MCM does not
respond to this validation request within 30 days, all references to this
account must be deleted from my credit reports and completely removed from my
credit file. Send a copy of any such deletion request to me.
Regards,
[redacted]

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 25, 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 December 15, 2011.  Information provided by the seller,[redacted], at the time of acquisition indicates this account was originated on March 7, 2011 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 13, 2011.  The balance at the time of purchase was $659.74.  A review of Midland Credit’s business records indicates that on November 8, 2015, this account was placed with [redacted]. (“[redacted]”). 
[redacted] expresses a concern regarding the verification information that was previously mailed to him being sufficient to show that the debt belongs to him.  Please note, the documentation was provided by the seller, matches the name and address supplied by [redacted] within his inquiry through your office, and 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.  Although verification information provided by the seller was already mailed to [redacted] in response to his prior disputes, a copy of that documentation is again enclosed for his records.
[redacted] also alleges that he never requested Midland Credit to submit a “disputed” remark to the credit reporting agencies and claims that he never disputed the account himself. A review of Midland Credit’s business records indicate that it has received multiple notifications of possible disputes from the credit reporting agencies that were submitted by [redacted]. In addition, Mr. [redacted] submitted a complaint through the CFPB (“Consumer Financial Protection Bureau”) on January 20, 2015 where he specifically indicated that he disputed the information that Midland Credit was reporting. In response to those disputes submitted by [redacted], Midland Credit is required to update the credit reporting agencies with this information.  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.
Should [redacted] wish to have the dispute notation removed from his consumer credit files, he may submit a written request, stating that he does not dispute that the debt belongs to him to Consumer Support Services using the address on this letterhead.   However, please note that requesting validation of the debt or full removal of the account from his consumer credit files is also treated as a dispute.
The debt remains placed with [redacted] at this time. Midland Credit encourages [redacted] to work with the firm to assist in reaching a positive resolution.  He may reach [redacted] at [redacted].  Their phone number is [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]
Enclosure

May 18, 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]
In its previous response dated April 1, 2016, Midland Credit stated that it had acknowledged [redacted] dispute regarding account no. [redacted] ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt.  [redacted] submitted another inquiry on May 4, 2016, and this response serves to address his additional concerns.
Midland Credit has acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close account no. [redacted].  There will be no further collection activity or sale of this account.  In addition, as stated in is previous response, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from [redacted]’s consumer credit files.
[redacted] continues to express concern that he has a letter stating that the accounts would be removed from his credit report.  As indicated in its previous response, Midland Credit previously made the business decision to close account nos. [redacted] and [redacted] on February 8, 2016.  Shortly thereafter, Midland Credit notified the three major credit reporting agencies to cease reporting the tradelines of account nos. [redacted] and [redacted].  Midland Credit ceased furnishing information for the tradeline for account nos. [redacted] and [redacted] on February 29, 2016, and for account no. [redacted] on April 11, 2016.  Please note that the credit reporting agencies have advised that they may require 30 to 60 days to update to a consumer’s credit files. 
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]

October 10,...

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 Ms[redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 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 November 21, 2013.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on June 12, 2011 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 24, 2013.  The balance at the time of purchase was $981.50.  Final payment on the account was received by Midland Credit on May 28, 2014.  [redacted] has no further financial obligation for this account.
 
[redacted] expresses a concern that he has received calls 10 times a day.  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.
 
[redacted] also expresses a concern over information that he was advised during phone calls with Midland Credit representatives.  A review of Midland Credit’s business records appears to indicate that [redacted] was not advised that the account would be removed from his credit report once it had been paid.  Midland Credit apologizes for any misunderstandings that may have happened regarding this account.  A review of Midland Credit’s business records appear to indicate its representatives have acted appropriately.
 
With that said, on October 3, 2016, a Midland Credit representative reached out to [redacted].  During the phone conversation, [redacted] was advised that an update would be sent to the credit reporting agencies to have the account information removed from his credit files.  The confirmation number for the update that was sent to the credit reporting agencies is [redacted]
 
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]

November 24, 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 10, 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 5, 2015.  [redacted] continues to express concern regarding his credit report.  He has also expressed an additional concern that his disputes are going unheard and states that he has reached out to the original creditor, [redacted].  Please note that Midland Credit has responded appropriately to all of the disputes that it has received, including the prior dispute received through your agency, referenced above.
 
[redacted] states the account is being reported by [redacted] as “Paid, was a collection account, insurance claim or government claim or was terminated for default”.  As previously advised, depending on the current condition of a given account, Midland Credit will furnish an account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.”  Midland Credit’s business records indicate that it is furnishing the account information as “Account paid in full, was a collection account,” to the three major credit reporting agencies. 
 
[redacted] also claims that [redacted] is listing Midland Credit as the original lender, and that [redacted] is not showing Midland Credit’s tradeline, only that of [redacted].  Midland Credit maintains its stance that it is furnishing the same “Account paid in full, was a collection account” status to all three major credit reporting agencies and that the information being furnished is accurate.  [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns.  Additionally, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary.  The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself.
 
[redacted] also writes that there was an agreement for a deletion when he paid the account.  According to Midland Credit’s business records, [redacted] was advised that if he paid the full balance on the account it would report as “paid in full.” Additionally, he was advised that if he were to accept a settlement offer on the account, there would be an additional line that would state “for less than full balance.”  Midland Credit then obtained authorization to accept payment on the account from [redacted] spouse, and the account was paid that day.  A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account.”  If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
 
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,According to the information given to us by your firm, the date of last activity by the original creditor was 7/08  The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt.I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute:[15 USC 1692e](2) The false representation of --(A) the legal status of the alleged debtand(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a $1,000 fine, payable to me.
Regards,
[redacted]