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Western Power Train Repair Ltd Reviews (754)

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, 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-ext [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc [redacted] ***Senior Manager Operations, Consumer Support Services [redacted] Enclosure

December 29, VIA E-Mail [redacted] Revdex.com of San DiegoMurphy Canyon, Ste110San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] : Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 27, A review of Midland Credit’s business records indicate that [redacted] concerns were addressed in the response sent to your office on December 22, Since there are no additional allegations from [redacted] , Midland Credit stands by its prior response Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] ***

October 27, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] BankOriginal Account #: [redacted] Affinity: [redacted] Dear Revdex.com:Thank you for your letter inquiry regarding Ms [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received on October 17, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Please note that Midland Credit requires additional time to obtain information regarding this matter Thank you for your understanding; Midland Credit anticipates providing your office with a complete response within days from the date of this notification.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] .Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc[redacted] ***, [redacted] **

Dear Ms [redacted] :Thank you for your follow up letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 9, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated December 28, 2016.Ms [redacted] also requests that Midland Credit provide proof that it has the right to collect the debt Once a creditor "charges off" an account and sells the debt, the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account A copy of the Bill of Sale is enclosed for Ms [redacted] ’s recordsMs [redacted] continues to state that Midland Credit has failed to provide the original written agreement with her signatureAs previously advised, the verification information provided to Ms [redacted] in Midland Credit’s previous letter response meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.With that said, per Ms [redacted] ’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] .Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-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

October 10, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA 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, 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, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on June 12, as a [redacted] ***, [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number*** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 24, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on May 28, [redacted] has no further financial obligation for this account [redacted] expresses a concern that he has received calls 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] ***

Dear Ms [redacted] : Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 21, 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] requests that the account be removed from her consumer credit files as it has been paid In keeping with its Consumer-First approach, Midland Credit recently updated its policy regarding paid tradelines where the date of delinquency is over two years old At this time, Ms [redacted] ’s account does not qualify for the collection tradeline to be deleted under this policy Midland Credit will request deletion of the collection tradeline once the account is more than two years from the date it first went delinquent, which will be on or about October 10, In the meantime, the three major credit reporting agencies have been appropriately notified to update the collection tradeline as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” Ms [redacted] continues to have no further financial obligation for this account Ms [redacted] also writes that while Midland Funding continues to report on her consumer credit files, the original creditor has deleted their tradeline [redacted] as the original creditor may have decided to delete its tradeline when it sold the account Whether or not the original creditor is reporting the account, the account remains valid 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-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services AR: bi

May 21, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA 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 May 8, Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly 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 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 15, 2007, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 22, The balance at the time of purchase was $1, [redacted] expresses concern that Midland Credit representatives refused to provide her with validation documentation A review of Midland Credit’s business records indicates that [redacted] spoke with Midland Credit representative [redacted] twice on April 9, Midland Credit’s review of the conversations does not appear to indicate that [redacted] refused to provide [redacted] with validation documentation Midland Credit sent [redacted] a validation letter on May 1, The letters were mailed to [redacted] via the United States Postal Service The letters were not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In the letters, Midland Credit provided the required disclosure of rights set forth in the FDCPA The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) The complaint [redacted] filed was received in a timely manner pursuant to applicable law Upon receipt, Midland Credit acknowledged [redacted] ***’s dispute and annotated the account as disputed Midland Credit has received verification information from the seller, a copy of which is enclosed for [redacted] ***’s records In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ***’s account has been referred to Account Manager [redacted] Please have [redacted] or her attorney call [redacted] to assist her in reaching a resolution of the account balance In the meantime, pursuant to [redacted] ***’s request to cease collection activities, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

November 4, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 20, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous response to your office dated October 20, In his most recent complaint, [redacted] expresses a desire to have his account deleted from his consumer credit files upon resolving the balance However, he also states that if Midland Credit will not delete the account he still offers to resolve the account balance for $ In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, it will accept $in order to resolve the balance with the understanding that Midland Credit will furnish information for the account as “Account paid in full, was a collection account” with an additional memo stating “Account paid in full for less than the full balance.” Additionally, as [redacted] states he still disputes the account, Midland Credit will also continue to report that the account is disputed Please have [redacted] call [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] ***

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, 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 of $26,was calculated, MCM has been reporting this balance against this account to all credit reporting agencies on my credit reportA 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 NumberA 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 legallyAny further documentation, beyond what has been previously requested, that clearly establishes my liability and/or responsibility to the alleged debtAny and all notes, memoranda, or likewise, be they handwritten, computerized, or typed, regularly kept in the 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 credit agencies)If these dates do not correlate or match, please provide evidence as to why the discrepancyMCM's Articles of Incorporation and Name of the Registered Agent in [redacted] Provide proof that MCM is licensed to collect debt in the [redacted] and has procured a bond as required by the [redacted] 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 [redacted] Until MCM has provided the above evidence to validate the debt, they may not continue collection activity, and may not contact meIf anyone from MCM has reportedany negative information to any credit reporting agency, they must now report that information as disputed under U.S.C§ 1692e(8).Once MCM provides the requested documentation, I will require days to investigate the informationDuring this time, you must cease collection activityMCM should not report negative information to the credit bureaus during this validation period.If MCM does not respond to this validation request within days, all references to this account must be deleted from my credit reports and completely removed from my credit fileSend a copy of any such deletion request to me Regards, [redacted]

Dear Revdex.com: Thank you for your follletter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 29, 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] states that the verification information provided by the seller is not sufficient to validate the debt Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Per Ms [redacted] previous request, the 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 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] ***, Senior Manager Operations, Consumer Support Services AR: kmb

Dear Ms***: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 9, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on October 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 7, as a [redacted] Consumer credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 25, The balance at the time of purchase was $ The three credit-reporting agencies were previously notified to delete Midland Credit’s reference to the collection account in question from Ms [redacted] ’s consumer credit files on or about September 25, 2013, October 23, 2013, November 19, and December 17, It appears the information was not properly updated by the credit-reporting agencies Midland Credit sent an additional request to the credit-reporting agencies to delete the account on July 16, The AUD number, which is the confirmation number supplied to Midland Credit when the request was sent, is [redacted] Please note that it may take the credit-reporting agencies 30-days to update the information in Ms [redacted] ’s consumer credit files If the account continues to reflect on her consumer credit files, Midland Credit encourages Ms [redacted] to contact the credit-reporting agencies directly While Midland Credit has acted in a timely manner and has complied with all applicable laws, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account There will be no further collection activity, credit reporting or sale of this account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-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] ***

I'm paying off this court order debtI was getting an invoice statement each month with the amount of money I owe themOne day last year this process stop.I'm keeping my records on my paymentsWhat is responsibility of this Collection company?

August 4, VIA E-Mail Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] ***, N.A Original Account #: [redacted] Dear Revdex.com: Thank you for your letter inquiry regarding Mr [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received on July 27, 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 A review of Midland Credit’s business records indicates that Mr [redacted] has retained an attorneyMidland Credit has no record of his attorney’s contact informationPlease have Mr [redacted] provide his attorney’s information, if applicable, so that we may contact the attorney directlyIf Midland Credit does not receive attorney information in the next days, it will assume that Mr [redacted] is not or is no longer working with legal counsel and will mark his account accordingly Mr [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 Mr [redacted] expresses a concern that his requests for validation have been ignored On February 24, 2017, Midland Credit mailed him a validation letter Please note that the letter was mailed to Mr [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA Midland Credit’s business records indicate that it received the first correspondence requesting validation from Mr [redacted] on June 22, A further review of Midland Credit’s business records indicate that it began receiving notices of dispute from the credit reporting agencies on June 28, A copy of the verification information provided by the seller was mailed to Mr [redacted] on July 10, A copy of that documentation is again enclosed for his 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 A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Per Mr [redacted] 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-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] ***, [redacted] Enclosure

June 23, VIA E-Mail [redacted] Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] Original Account #: [redacted] Dear Ms [redacted] Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 14, 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] indicates that she does not have an account with Midland Credit Consumers are sometimes unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding Ms [redacted] indicates that she has requested validation of the account and has not been provided with it Midland Credit’s business records indicate that it received the first correspondence from Ms [redacted] on or about April 11, In response, verification information provided by the seller was mailed to Ms [redacted] on April 28, Midland Credit received subsequent correspondence from Ms [redacted] , to which it appropriately responded Additionally, Ms [redacted] previously filed a complaint through the Consumer Financial Protection Bureau Midland Credit responded to Ms [redacted] concerns on June 6, and provided her a copy of the verification information provided by the seller A copy of the verification information is once again enclosed with this response 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 FDCPAA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Ms [redacted] questions whether Midland Credit is licensed to conduct business in the State of Massachusetts Please assure Ms [redacted] that Midland Credit is licensed in every state which requires such licensing for collection companies Please have Ms [redacted] contact the Massachusetts Division of Banks for more information regarding licensing requirements Per Ms [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services [redacted] Enclosure

June 27, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA 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 June 17, [redacted] subsequently submitted an additional message which was received by Midland Credit on June 21, 2016, wherein she expresses similar concerns This letter will serve to address both inquiries Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 24, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 31, 2012, as a [redacted] ***/ [redacted] card account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 14, The balance at the time of purchase was $3, [redacted] states that Midland Credit agreed to remove the above-referenced account from all three credit bureaus once the debt was settled as agreed However, a review of Midland Credit’s business records do not indicate that Midland Credit advised [redacted] the account would be removed from her credit report once the account balance had been settled Midland Credit received final payment for the above-referenced account on June 17, Please note, the account is currently in the process of being updated as paid in Midland Credit’s records Once the account has been updated, Midland Credit will furnish 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] ***

Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 27, 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 February 8, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on April 6, 2006, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 31, The balance at the time of purchase was $6, A review of Midland Credit’s business records indicates that on April 22, 2012, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”) The Internal Legal Department’s business records indicate that appropriate legal action was initiated on October 19, Service of Process was completed on October 27, 2012, and a judgment was obtained on November 13, A copy of the judgment is enclosed [redacted] expresses a concern that she is making payments in accordance with the arrangement set up with the Internal Legal Department but that the account continues to reflect missing payments and appears as a collection account on her credit report The Internal Legal Department advises that [redacted] is current in making payments according to the agreement reached with them Regarding [redacted] ’s concerns about the manner in which the account is appearing on her consumer credit files, although Midland Credit submits regular updates to the reporting agencies, Midland Credit does not report accounts as having missed payments to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that 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.” Additionally, the account was sold into collections by the original creditor and as such, must be accurately reflected as a collection account As a debt buyer, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – debt buyer account; additional information – collection account For purposes of credit reporting, the term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns Based on the law and guidelines governing credit reporting, it would appear that Midland Credit is furnishing accurate information to the credit reporting agencies In addition, 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 Should [redacted] have any further questions about continuing with her agreement to resolve the account balance, she may contact the Internal Legal Department at PO Box 939033, San Diego, CA 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

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 When I talked to their agent he gave me the address that they had sent all their letters to and it was the wrong address and until I gave them the correct address they could not of sent me any letters Regards [redacted]

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 belowI am not satisfied as Midland Credit Management uses all kinds of techniques to lure customers into paying debts that they buy for a fraction of what they are askingTheir employees pretend not to understand English and will agree to anything to make their quotas even to the point of lying to the customersThe representative even offered to do the same for my other account I have with them if I had set up an arrangement right then with himThis company does not care about their customers if they did they would have better practices in place

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 Per California and Federal state law, legal bindings on the debt owed is from the start date of the original debt, which expired 10/They may go after the debt they think I owe, but have no legal grounds as it has been time-barredI requested a letter stating such and they refusedThis is a fraudulent debt but would not be seen as such by [redacted] despite my statements to themThis debt has been time-barred and Midland Credit is refusingThis is why they have been sued repeatedly by consumers for illegal collecting practicesIf they wish to offer a settlement they may do soI know my legal rights and that if I make an offer and it is rejected it restarts the timeI refuse to do suchPlease note also, that the debt was for $and Midland is trying to get $ Regards, [redacted] ***

October 14, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] * [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 4, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 27, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 20, 2004, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on October 11, The balance at the time of purchase was $ [redacted] states that Midland Credit is diminishing her credit by reporting a time barred debt and has previously brought this to Midland Credit’s attention On July 11, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation directly from [redacted] on March 18, In response to [redacted] ***’s dispute, Midland Credit acknowledged [redacted] ***’s dispute, annotated the account as disputed, ceased collection efforts while it was in the process of verifying the debt Midland Credit also sent a letter to [redacted] advising her of the steps it was taking Subsequently, Midland Credit received a second dispute from [redacted] on April 14, Upon receipt the dispute, Midland Credit had since obtained verification information from the seller, which was then mailed to [redacted] *** A copy of that documentation is again enclosed for her recordsAdditionally, Midland Credit received additional disputes from [redacted] on June 9, 2016, and July 12, In response, Midland Credit appropriately requested that she provide additional information regarding her continued disputes [redacted] further writes that the debt is “time barred” and no longer collectible Please note that the passing of the statute of limitations does not extinguish the validity of a debtRather, it eliminates litigation as a potential remedy A review of Midland Credit’s business records indicates that the statute of limitations expired on May 7, Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish a debt It only prevents the account information from being furnished to the credit reporting agencies A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in May However, during the investigation period following the dispute received directly from [redacted] ***, Midland Credit notified the credit reporting agencies to cease reflecting the collection tradeline on [redacted] ***’s consumer credit files Midland Credit has made the business decision not to request the tradeline be reinstated Please note that this does not extinguish the debt, and the account will still remain collectible, due and owing to Midland Credit as servicer for Midland Funding [redacted] writes that the original creditor continues to report the above-referenced account on her consumer credit files [redacted] as the original creditor may be reporting the account or may have decided to delete its tradeline when it sold the account Whether or not the original creditor is reporting the account, the account remains valid, due and owing If [redacted] has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ***’s account has been referred to Account Manager [redacted] ***Please have [redacted] call [redacted] to assist her in reaching a resolution of the account balance In the meantime, per [redacted] ***’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

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