Western Power Train Repair Ltd Reviews (754)
View Photos
Western Power Train Repair Ltd Rating
Address: 11045 96 St, Edmonton, Alberta, Canada, T5H 2L1
Phone: |
Show more...
|
Web: |
|
Add contact information for Western Power Train Repair Ltd
Add new contacts
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]
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.Thank you Revdex.com for your help!
Regards,
[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. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Tell us why here...Dear Ms. Passick:Thank you for...
your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 22, 2017. Midland Credit appreciates the opportunity to answer your questions.An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 9, 2010. Information provided by the seller, [redacted]. The balance at the time of purchase was $8,179.70. A review of Midland Credit’s business records indicates that on February 17, 2013, this account was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”). Mr. [redacted] expresses a concern that he does not receive a monthly statement from Midland Credit and that he needs one for his personal records. The Internal Legal Department’s business records indicate that Mr. [redacted] entered into a settlement agreement on January 3, 2014, agreeing to pay $50.00 per month until a total of $4,000.00 has been paid. The Internal Legal Department’s business records also indicate that Mr. [redacted] requested monthly statements in June 2016 and again in July 2016. The Internal Legal Department advised there was a change in vendors for the letters and, during the transitional period, some consumers did not receive monthly statements. However, that issue has since been resolved and Mr. [redacted] has consistently received monthly statements since November 2016. The Internal Legal Department’s business records further indicate that the current balance for the referenced account is $3,100.01, and 62 payments of $50.00 remain. Midland Credit encourages Mr. [redacted] to continue to work with the Internal Legal Department. He may reach the Internal Legal Department at PO Box 939050, San Diego, CA, 92193. Their phone number is 866-300-8750.In the meantime, per Mr. [redacted]’s previous concerns, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, he will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to 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. 32917 should you have any further questions.Sincerely, Midland Credit Management, Inc. [redacted], Esq.*Corporate Counsel *Admitted in Michigan, Not Admitted in CaliforniaKW: [redacted]
August 12, 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 follow-up letter regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 4, 2016. Midland Credit appreciates the opportunity to answer your questions.
[redacted] states that she has not received a refund of $109.79. On July 20, 2016, [redacted] spoke with a representative who advised her that it can take at least 30 days and up to six months for the payment to be forwarded and received by Midland Credit. Midland Credit received the payment on July 26, 2016, and the refund is currently being processed. Please note that this process can take up to 30 days to complete. Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 26, 2016. Midland Credit appreciates the opportunity to answer your questions.
[redacted] expresses a concern that she...
made a payment to resolve the balance of an account, and the account shows that there is a balance remaining. [redacted] indicates that this is the second time she has had this experience.
An investigation of this matter indicates that Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on October 28, 2015. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 26, 2013, as a [redacted] credit card account number ending in 1754, 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 16, 2014. The balance at the time of purchase was $482.75.
A review of Midland Credit’s business records indicates that [redacted] made a payment via credit card on May 13, 2016. A letter was sent to [redacted] on May 16, 2016, advising that her payment had been received and that she has no further financial obligation for the account. Midland Credit received subsequent communication from [redacted], and a letter was sent to her on June 24, 2016, again advising that she has no further financial obligation. 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” with an additional memo “Account paid in full for less than the full balance.”
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 2, 2015. Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on October 9, 2013, as a [redacted] account number ending in 6282, 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 24, 2014. The balance at the time of purchase was $698.64. A copy of the verification information provided by the seller is enclosed for your records.
[redacted] states that she made a payment of $419.18 on June 30, 2016 to resolve the balance, but that the account is still showing a balance of $698.64. A review of Midland Credit’s business records indicates that on June 30, 2016, [redacted] agreed to pay $419.18 via electronic check to resolve the balance of account no. [redacted]. A letter was sent to [redacted] on July 1, 2016, confirming the payment arrangement. Midland Credit subsequently received notice that the payment did not go through due to an invalid routing number. 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] indicates that she has disputed through Midland Credit’s website on multiple occasions. A review of Midland Credit’s business records indicates that it received four inquiries from [redacted] regarding account no. [redacted]. Upon receipt of the inquiries, a Midland Credit account manager attempted to reach out to [redacted], however was unable to reach her.
If [redacted] would like to resolve the balance for account no. [redacted], she may qualify for a reduction in her account balance. Please have [redacted] call Account Manager [redacted] at[redacted] to assist her in reaching a resolution of the account balance.
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
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.There is no evidence of Midland responding to any request for validation. I am respectfully requesting that Midland delete the account and cease reporting to the bureaus. I am making every effort to resolve this matter without presenting this case in a courtroom before a jury. Regards,[redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 29, 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.
[redacted] expresses a concern that Midland Credit has not communicated with the credit reporting bureaus, stating that [redacted], N.A. (“[redacted]”) continues to furnish information on her credit report for account no. [redacted]. [redacted], as the original creditor may be reporting the account. Whether or not the original creditor is reporting the account, the account remains valid, due and owing. Please note that Midland Credit only has control over its own tradeline, and is unable to remove or alter the tradeline of another company.
With that said, Midland Credit notified the credit reporting agencies to cease furnishing its tradeline on or about April 11, 2016 for account no. [redacted]. Additionally, if [redacted] obtained her credit report from a compilation source, the information being reported may appear to vary. The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself. If [redacted] has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies.
[redacted] states that she has not received any documents that contain 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 an additional concern in regards to the certificate of summons for account no. [redacted], claiming that her age and height are different than that which is stated on the certificate. A review of [redacted] (“[redacted]”) records indicates that the description of the person served is made by the process server using their best estimates. The process server stated that [redacted] identified herself; however, she refused to open the glass door. Therefore, the process server estimated [redacted] description to the best of their ability.
Additionally, [redacted] states her wages were garnished and that the court records show it as satisfied. However, [redacted] states $1,700.00 is still being pursued on her credit report. A review of [redacted]’s records indicates that a judgment was entered on July 12, 2013. The current amount due is $1,764.23, which is the charge off balance of $2,974.76, $28.00 in pre-judgment costs, $446.59 in interest accrued at 10%, and $10.00 in post-judgment costs. [redacted] also advised they have received a total of $1,695.12 in payments to date.
[redacted] continues to state the above-referenced accounts are fraudulent. Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of a police report showing that she reported the fraudulent activity. [redacted] can contact Midland Credit online at www.midlandcreditonline.com/consumer-resolution-center/, where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request. Uploaded documents are automatically sent to a CSS specialist, who will investigate her questions and mail back a response. [redacted] may also forward appropriate documentation to CSS using the contact information on this letterhead.
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], she may qualify for a reduction in her account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance.
With that said, per [redacted] previous request to cease communication, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by [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]
December 3, 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]
Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 13, 2015. [redacted] continues to stand firm in his assertion that he paid the account in full in order to have the debt removed from his credit. Midland Credit reiterates that [redacted] appropriately and correctly advised [redacted] of how the account would be reported to Midland Credit once paid. Additionally, the account information Midland Credit is furnishing to the three major credit reporting agencies is accurate.
Midland Credit will continue furnishing account information for the above referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” As previously stated, 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]
I received the documentation from the business and will follow up with the credit bureaus. I appreciate Revdex.com assistance in this matter. While I am stating this to be resolved. Its actually not resolve as this is still ongoing with my credit and the business. But this is a huge stepping stone and I will continue to pursue . Thank you guys .
Regards,
[redacted]
March 5, 2018VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted]Revdex.com# [redacted] MCM #: [redacted]Original Creditor: [redacted]Original Account #: [redacted]Current Balance: $665.50Dear Revdex.com:Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which...
Midland Credit Management, Inc. (“Midland Credit”) received on February 23, 2018. Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”). Midland Credit appreciates the opportunity to answer your questions.Ms. [redacted] questions whether the account is collectible due to the expiration of the statute of limitations. A review of Midland Credit’s business records indicates that the statute of limitations has expired. 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.Ms. [redacted] also questions whether Midland Credit is licensed to conduct business in the State of Texas. Please assure Ms. [redacted] that Midland Credit is licensed in every state which requires such licensing for collection companies. Ms. [redacted] may contact the Office of Consumer Credit Commissioner for more information regarding licensing requirements. Additionally, per Ms. [redacted]’s request, Midland Credit’s registered agent is Corporation Service Company.Ms. [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit. Consumers are sometimes unclear as to what the term “charge off” means for a debt. When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.A copy of the verification information provided by the seller is enclosed for Ms. [redacted]’s records. Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”). The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced account, is accurate. Midland Credit will be closing its investigation of Ms. [redacted]’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.Per Ms. [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms. [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.
[redacted]Senior Manager Operations, Consumer Support Services[redacted]
Enclosure
September 14, 2016VIA E-Mail[redacted]Revdex.com of San Diego5050 Murphy Canyon, Ste. 110San Diego, CA 92123Re: 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 27, 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 21, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on April 26, 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 April 2, 2014. The balance at the time of purchase was $656.08. A copy of the verification information provided by the seller is enclosed for [redacted] records. Final payment on the account was received by Midland Credit on June 6, 2015. [redacted] has no further financial obligation for this account.[redacted] indicates that he was advised by the account manager assigned to his account that the collection would be removed from his credit report after it was paid. While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to furnish accurate account information. 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” with an additional memo “Account paid in full for less than the full balance.” 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]
March 4, 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 February 19, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] for which Midland Credit is currently furnishing account information to the three major credit reporting agencies.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 30, 2014. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on September 26, 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 April 24, 2014. The balance at the time of purchase was $1,465.38.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on April 22, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 4, 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 March 10, 2014. The balance at the time of purchase was $807.63. Final payment on the account was received by Midland Credit on January 11, 2016. [redacted] has no further financial obligation for this account.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on April 30, 2014. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on September 27, 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 March 18, 2014. The balance at the time of purchase was $570.21. Final payment on the account was received by Midland Credit on January 11, 2016. [redacted] has no further financial obligation for this account.
[redacted] indicates that she paid two accounts believing that they would be removed from her credit report. While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for account nos. [redacted] and [redacted], please note that it is Midland Credit’s policy to furnish accurate account information. A review of Midland Credit’s business records indicates that it is accurately furnishing information for account nos. [redacted] and [redacted] as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” If Midland Credit were to delete the accounts, their correct and accurate status would not be reflected. Midland Credit’s business records further indicate that [redacted] was advised that the accounts would report with the above status upon the resolution of the balances.
Regarding account no. [redacted], on June 9, 2014, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692). Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office.
A copy of the verification information provided by the seller is enclosed for [redacted]’s records. 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. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999).
[redacted] indicated that she was threatened that action would be taken through the state to collect this. Please note, there are several factors used to determine the eligibility of accounts for legal efforts. As a result, the account has been determined to be eligible for legal efforts. Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in [redacted]’s area to review for possible legal efforts to collect the balance. This was an accurate statement of potential next steps to be taken on the account.
[redacted] alleges that Midland Credit representatives have called her excessively, at times not allowed by law. Please be assured that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. Midland Credit’s determination of which local time should control the ability to call is based on information then available to it, including the address, and/or phone number’s area code. Information attached to the accounts indicates [redacted] resides in [redacted]. Based on that information, all calls were placed after 8:00am and prior to 9:00pm Eastern Standard Time, and Midland Credit did not attempt to call [redacted] more often than what is allowable.
Per [redacted]’s previous concerns, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at ([redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
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.
FDCPA states that A debt collector may not collect any interest or fee not authorized by the agreement or by lawAs per MCM "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"I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this accountMCM never mentioned till date that they have added 6% interest rate between June 2011 and December 2014, A [redacted] judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 (D. Conn. 2010), granted summary judgment to Jones, holding that Midland violated Section 1692g(a)(1) where MCM never mentioned interest accrualAs per MCM the alleged account was charged-off as an unpaid delinquent-debt on November 30, 2009. The balance at the time of purchase was $21,594.87. MCM has added interest at a rate of 6% between June 2011 and December 2014MCM did not mention if the interest charged was simple or compounded, even if 6% compound interest is added to original balance of $21,594.87 for 43 months including both June 2011 and December 2014 the total compounded interest should be $5,165.45 combined with principal total due would be $26,760.32MCM has been reporting a balance of $26,822 against this account to all 3 credit reporting agencies on my credit reportAs per Sunga v. Rees Broome, P.C., 2010 U.S. Dist. LEXIS 81970 (August 12, 2010), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the FDCPA. FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. § 1692eAs per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
Regards,
[redacted]
July 3, 2017
VIA E-Mail
[redacted]
Revdex.com of San Diego
[redacted] [redacted]
[redacted]
Dear Ms. [redacted]:
Thank you for your follow-up letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 23, 2017. Midland Credit appreciates the opportunity to answer your questions.
Ms. [redacted] continues to state that she does not have a contract with Midland Funding or its servicer, Midland Credit. As indicated above, the referenced debt originated with [redacted] as a [redacted] Credit account and was subsequently charged off. As previously advised, 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.
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] 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 Ms. [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]
Division Manager, Consumer Support Services
AR: kmb
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.
I still think 38 times in 11 days is excessive. They called me by my married name which I never use, so I know it was a bogus call to begin with.
I disagree completely with the company's characterization of what went on, and note they have already been found guilty of other telephone misuse and fined accordingly. None the less, all I can do at this point is be glad I can plug in my phone again.
Regards,
[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.
Regards,
[redacted]
July 13, 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 Ms. [redacted]:
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 30, 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 June 30, 2011. Information provided by the seller, [redacted], N.A., at the time of acquisition indicates this account was originated on June 28, 2004, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, 2009. The balance at the time of purchase was $21,594.87.
Mr. [redacted] expresses a concern that Midland Credit has failed to respond to his requests for validation and is reporting the account on his credit report. On July 9, 2011, Midland Credit mailed Mr. [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to Mr. [redacted] at the same address listed within his 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 Mr. [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it received the only correspondence requesting validation from Mr. [redacted] on April 15, 2015, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Mr. [redacted] and collect the debt.
Although Mr. [redacted]’s validation request was not timely, verification information provided by the seller was mailed to Mr. [redacted] in response to his dispute on April 21, 2015. A copy of the verification information provided by the seller is enclosed. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies.
Mr. [redacted] also requests an investigation on Midland Credit for fraudulent practices. 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.
If Mr. [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance. Please have Mr. [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 Mr. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Re: Consumer complaint of Mr. [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Mr. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 26, 2016. Midland Credit appreciates the opportunity to answer your questions.
Please note that Midland Credit has reached out to [redacted] to obtain additional information regarding the additional concerns brought up by Mr. [redacted] and provide the information requested. In the meantime, Midland Credit has acknowledged Mr. [redacted]’ dispute and annotated the account as disputed. Thank you for your understanding, and a response will be provided upon the conclusion of Midland Credit’s investigation.
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
[redacted]
June 16, 2017
[redacted] [redacted]
...
[redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 9, 2017. Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”). Midland Credit appreciates the opportunity to answer your questions.
Ms. [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit. Consumers are sometimes unclear as to what the term “charge off” means for a debt. When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
A copy of the verification information provided by the seller is enclosed for Ms. [redacted]’ records. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
If 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] 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 Ms. [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]
Division Manager, Consumer Support Services
AR: kmh
Enclosure