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Reviews Western Power Train Repair Ltd

Western Power Train Repair Ltd Reviews (754)

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] ***

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]

December 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 letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 20, 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 20, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on May 31, 2002, 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 September 30, The balance at the time of purchase was $3, A review of Midland Credit’s business records indicates that on June 15, 2014, this account was assigned to [redacted] A review of Midland Credit’s business records indicates that [redacted] has retained [redacted] advised a letter was received on October 16, from [redacted] allowing [redacted] representatives to speak directly to [redacted] expresses a concern that he has made three attempts to have the dispute removed from his credit report [redacted] advised that on September 24, 2015, [redacted] called the firm to state he was no longer disputing the debtThe firm advised [redacted] that because he is represented by an attorney, communication must go through his attorney [redacted] further advised that a call was received from [redacted] on October 22, 2015, after [redacted] letter allowing direct communication with [redacted] ***, in which [redacted] offered to resolve the account for $1,and requested the account be removed from his credit reportPlease note that Midland Credit furnishes account information to the credit reporting agencies and, accordingly, the [redacted] representative advised [redacted] that the firm does not report to the credit reporting agencies With that said, a review of Midland Credit’s business records indicates that on November 13, 2015, it received a fax from [redacted] requesting the disputed status of his account be removed Upon receipt of the fax, Midland Credit appropriately updated its records to reflect that the account is no longer disputed and an update was sent to the three major credit reporting agencies on November 19, Per [redacted] concerns, another update has been sent to the credit reporting agencies Copies of the Universal Data Form for both updates are enclosed for [redacted] records The XR code in the account information section is the code which tells the credit reporting agencies that the previous dispute should be removed Please note, it may take 30-days for the status of the account to be reflected with the credit reporting agencies Midland Credit encourages [redacted] or his attorney to work with [redacted] to assist in reaching a positive resolution [redacted] or his attorney may reach [redacted] *** Their phone number is [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear Revdex.com: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 3, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Ms [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The account remains collectible, due and owing to Midland Credit as servicer for Midland Funding Ms [redacted] further expresses a concern that Midland Credit has failed to provide adequate proof of the account A review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on February 2, In response, verification information provided by the seller was mailed to Ms [redacted] on March 3, A copy of that documentation is again enclosed for her records Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Per Ms [redacted] ’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] with any further questions Sincerely, Midland Credit Management, Inc [redacted] Enclosure

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 September 8, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated July 23, [redacted] asserts that Midland Credit did not respond to her request for validation within the day period provided for by the Texas Finance Code As stated in its previous responses; Midland Credit’s business records indicate that it received the first correspondence from [redacted] on April 15, Based on the information she provided, and pursuant to the Texas Finance Code, Midland Credit responded by sending her a letter on April 29, 2015, advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate A copy of the verification information provided by the seller was enclosed In response to subsequent requests for validation received on April 20, 2015, April 30, 2015, and June 19, 2015, Midland Credit confirmed that its credit file and credit reporting of the account remained accurate Letters were mailed on April 29, 2015, May 11, 2015, and July 6, respectively All of the letters sent to [redacted] were mailed to the same address listed in her complaint All of the referenced response letters were mailed to [redacted] within days of receipt of each of her requests as required by the Texas Finance Code [redacted] also asserts that Midland Credit did not cease collection activity during the day validation period Again Midland Credit mailed [redacted] its initial letter setting forth [redacted] validation rights on October 6, [redacted] did not dispute the account or request validation of the debt until April 15, 2015, which cannot be considered timely Additionally, Midland Credit has not attempted contact with [redacted] since receipt of her first letter requesting validation on April 15, Any correspondence sent to [redacted] since that time has been to respond to her requests for validation as required by the Texas Finance Code As stated in its previous response, 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 Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] ’ dispute as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act Midland Credit must respectfully maintain its position that validation information was provided within a timely manner and that it appropriately ceased collection efforts upon receipt of the request 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***: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 6, Midland Credit appreciates the opportunity to answer your questions Ms [redacted] requests to have the above-referenced account removed from the credit reporting agencies A review of Midland Credit’s business records indicates that the three credit-reporting agencies were notified to delete Midland Funding’s reference to the collection account in question from Ms [redacted] consumer credit files on September 8, Per Ms [redacted] previous concerns, 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] **

Dear Ms***:Thank you for your letter inquiry regarding Mr [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 31, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Mr [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would contain similar information as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed.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 [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc[redacted] ***,Division Manager, Consumer Support ServicesAR: ***Enclosure

December 15, [redacted] [redacted] [redacted] *** [redacted] [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 7, Midland Credit appreciates the opportunity to answer your questions 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 May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 7, as an [redacted] credit card account number ending in ***, in the name of [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, The balance at the time of purchase was $1, Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close account no [redacted] There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to account no [redacted] from [redacted] consumer credit files A copy of the electronic request sent to the credit reporting agencies is enclosed for [redacted] records Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on March 15, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on February 4, as a [redacted] , [redacted] 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 May 30, The balance at the time of purchase was $2, A copy of the validation documentation provided by the seller is enclosed for your records [redacted] expresses a concern that Midland Credit continues to charge monthly fees Midland Credit does not add fees of any kind to consumer accounts While Midland Credit has not charged monthly fees, interest accrued in the amount of $toward the balance of account no [redacted] until December when Midland Credit made the business decision to stop adding interest With that said, the accounts were purchased from the sellers with all rights Interest charged by the original creditor is allowable by law Any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened [redacted] states that the debts are time-barred A review of Midland Credit’s business records indicates that the statute of limitations expired on November 1, for account no [redacted] However, 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 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 does not expire until November, for account no [redacted] The account remains collectible, due and owing to Midland Credit as servicer for Midland Funding [redacted] states that Midland Credit is reporting to the credit bureaus with a negative payment history Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not furnish information such as negative payment history to the credit reporting agencies Midland Credit’s business records indicate that the account information it is furnishing to the three major credit reporting agencies for account no [redacted] is accurate [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use 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 If [redacted] is ready to resolve account no [redacted] , she may qualify for a reduction in her account balance Please have [redacted] call [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] [redacted] Enclosure

January 27, VIA E-Mail [redacted] Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms [redacted] : Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 18, Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that Ms [redacted] has retained an attorneyMidland Credit has no record of her attorney’s contact informationPlease have Ms [redacted] provide her attorney’s information, if applicable, so that we may contact her directlyIf Midland Credit does not receive attorney information in the next days, it will assume that Ms [redacted] is not or is no longer working with legal counsel and will mark his account accordingly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 27, Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on January 25, 2015, as a [redacted] Bank/Amazon credit card account number ending in ***, 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 April 25, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that on June 22, 2016, this account was placed with [redacted] (“ACF”) for servicing, but was placed back to Midland Credit on August 16, after ACF received a verbal dispute from Ms [redacted] In response to Ms [redacted] ’s dispute, Midland Credit mailed her verification information provided by the seller on August 19, 2016, along with a letter advising her that Midland Credit had investigated her dispute and had determined that it’s records and the information it was furnishing to the credit reporting agencies was accurateAlthough verification information provided by the seller was already mailed to Ms [redacted] in response to her previous dispute, a copy of that documentation is again enclosed for her records In the complaint, Ms [redacted] alleges that she contacted [redacted] multiple times in to notify them that she had never received the merchandise for which she was billedAs mentioned above, this account wasn’t opened until January 25, 2015, which is after her alleged contact with [redacted] Midland Credit contacted the seller and confirmed that Ms [redacted] disputed the account for fraud on April 20, 2016, through the credit reporting agencies, but she never responded to the sellers request for further information to substantiate her claimAdditionally, the seller has no record of receiving a complaint from Ms [redacted] indicating that she did not receive the merchandise for which she was billed Ms [redacted] states that Midland Credit has no right to bill her or furnish information to her credit reportConsumers are sometimes unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser, Midland Funding, has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland FundingA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Ms [redacted] mentions that when she spoke with Midland Credit representatives she had requested that no calls be made to her work placeOn July 12, 2016, per her request, Ms [redacted] ’s work phone number was marked as “Do Not Call” by the representative she spoke with that dayNo calls were subsequently placed to that phone numberPlease note that the alleged conduct described by Ms [redacted] is being investigated Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate m***er If Ms [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance Please have Ms [redacted] call Account Manager [redacted] at [redacted] ext [redacted] to assist her in reaching a resolution of the account balance The above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California GJG: [redacted] Enclosure

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 belowWhile I appreciate Midland responding to my complaint, the information they have provided to you is not trueI have not received the correspondence that they claim to have sent after I initiated my compliant with the credit bureau As a matter of fact, when I complained to the credit bureau, Midland changed the information from a closed collection account to an open collection account which did even more harm to my credit reportMidland also said they sent info confirming that the debt from [redacted] was accurate but I just received a letter directly from [redacted] saying that the account was closed in March of They say the date of last payment was at least months before closing so the account is over years old*** is deleting the account and, based on the laws governing credit reporting, Midland needs to delete it too I would appreciate it if they would remove the inaccurate information from all of the credit reporting agencies immediately Regards, [redacted]

I received the documentation from the business and will follow up with the credit bureausI appreciate Revdex.com assistance in this matterWhile I am stating this to be resolvedIts actually not resolve as this is still ongoing with my credit and the businessBut this is a huge stepping stone and I will continue to pursue Thank you guys Regards, [redacted] ***

June 16, [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, 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

Please note that Midland Credit Management, Inc(“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

April 22, 2016 VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] BBB# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which... Midland Credit Management, Inc. (“Midland Credit”) received April 14, 2016. Midland Credit appreciates the opportunity to answer your questions. [redacted] expresses a concern that she has been receiving calls from Midland Credit for three months. An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to other consumers. During a search for the correct consumers, [redacted] ’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts. [redacted] states she answered one of the calls, advised the representative that she had never had the account, and requested for the calls to stop. A review of Midland Credit’s business records indicates that a conversation, presumably with [redacted] , took placed on March 23, 2016. At that time, [redacted] ’s phone number was appropriately disabled in Midland Credit’s computer system for the referenced account, and no calls were placed to [redacted] regarding that account after that conversation. However, please note that calls continued to be placed, after March 23, 2016, to [redacted] regarding a separate account. [redacted] indicates that Midland Credit representatives have contacted her excessively. Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law. With that said, [redacted] ’s phone number has since been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts. [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced accounts. Additionally, [redacted] ’s phone number, [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts. Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I'm not satisfied with this responseI'm not denying or accepting any debtThis is in regards to Commercial Dispute under the Uniform Commercial CodeThere is an Alleged Debt being claimed against me publicly and im seeking ALL remedies to cure my GOOD nameI did not give Midland Credit mgmt any permission or not do I have an written agreement with them in regards to the Alleged debt that is being publicly declared against me by Midland MgmtThey took up themselves to acquire this Alleged debt they claim I owe without any consent from me at allAlso, I did respond to Midland's letter that was sent to me 9/5/This was done with a LEGAL & recorded phone callI called Midland on 9/15/at 6:23pmMidland's Rep agreed that I can record conversationI've saved it for quality & assurances purposesThese so called facts Midlaland presenting is just another form of extortion without providing ANY proof I personally owe them any Debt Please advise Regards, [redacted]

Dear [redacted] Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 21, [redacted] asserts that the documentation Midland Credit has provided to her is not sufficient 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] additionally questions whether Midland Credit is licensed to conduct business in the State of New Hampshire Please assure [redacted] that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies In [redacted] case, her home state of New Hampshire does not require collection agency licensing As indicated in prior responses, 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] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 15, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 21, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 28, 2007, as a [redacted] account number ending in [redacted] 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 March 24, The balance at the time of purchase was $1, [redacted] writes that she has never done business with Midland Credit Please note, 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 to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor, [redacted] ***, 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 [redacted] also writes that Midland Credit did not notify her about the debt On May 3, 2011, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no written correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely 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) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt 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 If [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in the 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] ***

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 From:< [redacted] Date: Tue, Nov 1, at 6:AMSubject: RE: You have a new message from the Revdex.comTo: Revdex.com [redacted] Revdex.com# [redacted] Dear Revdex.com, Thank you very much for your time on this matterI have checked my credit report with all three bureaus and Midland Credit Management is still on my [redacted] reportThey said that they need an electronic request from Midland Credit Management asking for the removal of that accountThanks again for your time Sincerely, [redacted] Phone [redacted] Email: [redacted]

August 18, VIA E-Mail Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] *** Original Account #: [redacted] Dear Revdex.com: Thank you for your follinquiry regarding Mr [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 8, 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 him directlyIf Midland Credit does not receive attorney information, it will assume that Mr [redacted] is not or is no longer working with legal counsel and will mark his account accordingly Mr [redacted] continues to express a concern that there is no contract between him and Midland Credit As advised in Midland Credit’s previous response to your office, 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] requests to be provided with a copy of a signed contract and signed receipts A copy of the verification information provided by the seller was included with Midland Credit’s initial response to your office dated August 4, As advised in Midland Credit’s previous response, 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 Per Mr [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Mr [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*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] ***, Division Manager, Consumer Support Services AR: ***

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] ***

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Address: 11045 96 St, Edmonton, Alberta, Canada, T5H 2L1

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