ComplaintsforMidland Credit Management Inc

• Initial Complaint

  08/19/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ** ****** *** ****. I do not have a contract with MIDLAND CREDIT MANAGEMEN, they did not provide me with the original contract as I requested.

  Business response

  08/28/2023

  See attached

  Customer response

  08/28/2023

  Dear ******** *********
  
  I dispute the debt’s legitimacy. Upon review, it’s not mine. As you mentioned, “Mr. ***** writes he’s not liable for the debt and has no contract with us.” My understanding of “charge off” was limited when I agreed to the contract. Lack of clarity prevented an informed decision. Had I known, I wouldn’t have agreed.
  
  When a creditor “charges off” an account, it’s written off due to non-payment. This speaks to payment expectation and raises questions about subsequent transactions involving the debt.
  
  Midland Credit Management, Inc. knowingly purchased possibly uncollectible debt. This questions ethical and legal considerations. Consider consumer protection laws like FDCPA and TILA, balancing debt collection within fairness and transparency.
  
  Reevaluate the debt’s legitimacy and my agreement’s context. Provide evidence of validity and legal right to collect. If not, delete the account immediately and confirm the deletion.
  
  A just resolution is hoped for. Open to transparent dialogue for resolution. Respond with requested information and documentation. I await your prompt response.
  
  Sincerely,
  ******* *****

  Business response

  08/31/2023

  Dear BBB:
  
  Thank you for your letter inquiry regarding Mr. ******* concerns. We appreciate the opportunity to answer your questions.
  

  Please review the attachment for our complete response.
  
  Mr. ***** continues to question our authority to collect as there was limited understanding when agreeing to the original contract. A review of our records indicates that the account was for a credit card. As it was a credit card, the terms and conditions create the agreement between the parties, Mr. ***** and the original creditor.
  
  As previously advised, when the original creditor charges off and sells a 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. The account was purchased from the seller with all rights. A copy of the terms and conditions agreed to by Mr. ***** is enclosed.
  
  In addition, on October 29, 2022, we mailed Mr. ***** a validation letter which informed him of his rights under the Fair Debt Collection Practices Act (“FDCPA”). Please note that the letter was mailed to Mr. ***** at the same address listed within his complaint, and was not returned as “undeliverable”, satisfying the notification requirements of the FDCPA.
  
  We appreciate the opportunity to reiterate 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. An additional copy of the verification information provided by the seller is enclosed.
  
  Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers’ rights, and apologize for the inconvenience caused to Mr. *****. Thank you again for your assistance in this matter.

• Initial Complaint

  09/27/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This account from comenity that has been reporting on my credit report for sometime now has been reporting inaccurately on my credit report it must be deleted in my credit report!!MIDLAND CRED (Original Creditor: 01 COMENITY CAPITAL BANK) 31102****MIDLAND CRED (Original Creditor: 01 COMENITY BANK) *********

  Business response

  10/20/2022

  Dear BBB:Thank you for your letter inquiry regarding **************' concerns. We appreciate the opportunity to answer your questions.Unfortunately, because ************** has not submitted a signed release form with her complaint through your office, we are unable to release any pertinent information. If ************** wishes to obtain further information, please have ************** submit a new signed release form to your office.Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers' rights, and apologize for the inconvenience caused to **************'. Thank you again for your assistance in this matter.

• Initial Complaint

  09/20/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I made an arrangement for payment that was supposed to start on September 30, 2022. On September 20, 2022 I was charged for the payment. They breached the verbal contract and adversely affected my financial situation.

  Business response

  10/05/2022

  Dear BBB:Thank you for your letter inquiry regarding **************' concerns. We appreciate the opportunity to answer your questions.Unfortunately, because ************** has not submitted a signed release form with his complaint through your office, we are unable to release any pertinent information. If ************** wishes to obtain further information, please have ************** submit a signed release form to your office.Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers' rights, and apologize for the inconvenience caused to **************. Thank you again for your assistance in this matter.Sincerely, Midland Credit Management, ****

• Initial Complaint

  07/01/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I owed them 2146.19....they have continued to take payments that have equaled out to be2720. So far all Ive gotten is a run around game and for being a disabled American i want to know where my refund for 573.81 is!

  Business response

  08/04/2022

  Dear BBB:
  
  Thank you for your letter inquiry regarding Ms. ************ concerns. We appreciate the opportunity to answer your questions.
  
  Please review the full response in the attachment.

  
  A review of our records indicates that on February 1, 2015, this account was placed with our Internal Legal Department (“Internal Legal”). Internal Legal advised that suit was filed on May 4, 2015, and service of the Summons and Complaint was perfected on July 2, 2015. Judgment was subsequently granted in the amount of $2,266.19. Internal Legal further indicates that $2,050.00 was paid towards the balance. The remaining amount due was forgiven, the account has been closed, and a Satisfaction of Judgment has been requested. Ms. ********** has no further obligation for this account.
  
  Ms. ********** writes that payments in excess of the $2050.00 paid to Internal Legal have continued to be taken, equaling $2,720.00, and she seeks a refund totaling $573.81. Internal Legal has advised that a recent review of their records shows that all payments were made as agreed, the account is settled, and no refund is due to Ms. **********. Please note, the most recent payment plan was for $25.00 a month, and we show a final payment of $25.00 posted on June 2, 2022. We urge Ms. ********** to contact her financial institution with any further questions she may have regarding the extra funds that were allegedly drafted out of her account.
  
  Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers’ rights, and apologize for the inconvenience caused to Ms. **********. Thank you again for your assistance in this matter.

• Initial Complaint

  10/11/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  A breech of contract a settlement was agreed to pay on balance and they are now damaging my credit report by adding other balances that I do not owe them I am paying on a settlement we agreed on and I want this removed from my credit reports and corrected

  Customer response

  10/20/2021

  Hello i am sending signed form you requested to proceed 

  Business response

  11/05/2021

  Please see our attached response. 

• Initial Complaint

  10/06/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have obtained my credit report and found there accounts I never opened, an addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account that I believe not mine:Acct name: MIDLAND FUND (Original Creditor: 01 CREDIT ONE ************* no. *********date opened 09/01/2016 balance $611.00 I am not liable for this debt and I do not have a contract with:Company: MIDLAND FUNDING LLC Address: ******************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ********************************** and email at [email protected] need a response from the company.

  Customer response

  10/11/2021

  attached is the release form requested. thank you

  Business response

  11/05/2021

  Dear BBB:

   

  Thank you for your letter inquiry regarding **************** concerns.  We appreciate the opportunity to answer your questions.

   

  Please be advised that we are unable to access the document **************** submitted with his complaint.

   

  Based on the Identity Theft Affidavit and police report previously provided by *************** to the credit reporting agencies and in keeping with our Consumer-First policy, the account was closed on October 18, 2021.  There will be no further collection activity or sale of this account.  In addition,all three credit reporting agencies were notified to delete our reference to this collection account from **************** consumer credit files on or about October 20, 2021.  **************** has no obligation for this account.

   

  We consider consumer complaints a serious matter, fully respect consumersrights and apologize for the inconvenience caused to Mr.******.  Thank you again for your assistance in this matter.

• Initial Complaint

  10/05/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The original account was with ************* and it was closed in March 2017. I was laid off my job when 30+ weeks pregnant and I contacted original creditor. I was enrolled in Acct Assure program therefore debt was to be paid off. I have submitted numerous disputes to this collection agency regarding 1. not owing any money to them, 2. the original balance is continuously fluctuating affecting my credit score. It started off at $1600+ and its now at $1900+, 3. this company has created duplicate entries, showing 2 different balances, on my Equifax report and is fraudulently claiming one to be a government grant **** of loan when that is INCORRECT. This has become a nightmare. It is within my rights to request accurate reporting of a debt that should have been settled with original creditor 4 years ago. I did not consent to Midland assessing interest/addl fees therefore increase in balance monthly is ludicrous. Lastly, the incorrect claim that debt is govt loan warrants removal

  Customer response

  10/08/2021

  Please do not publish any identifiable information such as my name, dob, ssn, address.

  Business response

  11/04/2021

  Please see our attached response. 

• Initial Complaint

  09/20/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This started with an *************************** credit card I never recieved or ordered from. I took many steps once I found this was opened with out my permission. I wrote a letter to the company *************************** to state it was fraud and I then requested in writing to have the account closed and a fraud alert placed. My credit report reflects this action in the comments and shows it was charged off and closed at my request. Midland Credit Management bought this account and is now trying to collect $851.00 for an account that only had a credit limit of $250 according to my credit report. I have called and they refuse to look at my information showing this was closed and that I do not owe anything further. My credit report is clear and shows serious discrepancies reporting from Midland credit Management. I have exhausted everything I know to do. I have placed a fraud alert on my credit report about this company. I have had this taken care of and now they are trying to extort money from me. Help ME

  Customer response

  09/29/2021

  Here is the form you requested, I am very concerned as this company is commiting Fraud. I have submitted proof that I closed the account once I found out about it. Please help me as I need this company to end this collection. 

   

  Business response

  10/12/2021

  Please note that we require additional time to obtain information regarding this matter.  Thank you for your understanding; we anticipate providing your office with a complete response within 30 days from the date of this notification.

  Customer response

  10/22/2021

   I will be sending you information they sent me to my home address. I have not been able to upload it. I stand firm on this to stay active with in your office as this is fraud and this company forced me to pay them when I was buying a house another **** that was in my bankruptsy. They new I wanted to buy my house I was requesting them to update my credit report and they refused and again claimed I owed them money. This company is big on fraud and needs to keep the spot light so others can get help to have their "bad credit " claims removed from their credit report. 

  
  

  This was a closed by owner of account and fraud claimed account and they still bought the account from ****** and are trying to collect on the account. I do want this issue to stay with you until it is resolved. This needs to be removed from all credit reports and I want in writing this matter is no longer in their collection. 

  
  

  Thank you, 

  *****************************

  Business response

  11/01/2021

  Dear BBB:
  
  Thank you for your letter inquiry regarding Ms. ******** concerns.  On October 12, 2021, we advised that more time was needed to complete our investigation. We appreciate the opportunity to answer your questions.
  
  An investigation of this matter indicates that we purchased the above-referenced account on December 20, 2019.  Information provided by the seller, ************** at the time of acquisition indicates this account originated on March 1, 2018, as a ***************************************** account number ******************, in the name of *****************************, under the last four of the social security number 4601.  Subsequently, the account was charged-off as an unpaid delinquent debt on November 30, 2019.  The balance at the time of purchase was $851.41.
  
  ****************** writes that she wrote the company regarding the fraudulent account to have it closed.  We reached out to ************* who advised that ****************** did contact them, however there was no mention of fraud charges. ****************** claimed she returned the items and was not given proper credit for the items. ************* informed advised that a case was opened and found ****************** responsible for the charges.  ************* also informed us that they did not place a fraud alert on Ms. ******** account, and that would have been done directly through contacting the credit bureaus.
  
  That being said, in keeping with our Consumer-First policy, we have made the business decision to close the account.  There will be no further collection activity or sale of this account.  Please note that a review of our business records indicates that we are not currently furnishing information for the above-referenced account to Ms. ******** consumer credit files. ****************** has no further obligation for the account.
  
  We consider consumer complaints a serious matter, fully respect consumersrights and apologize for the inconvenience caused to ******************.  Thank you again for your assistance in this matter.

• Initial Complaint

  09/19/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  This is to reopen my previous complaint (case number ********) against MIDLAND FUNDING LLC to submit the authorization form they requested. BBB email was in my spam folder so I did not responded soon. Thank you

  Customer response

  09/29/2021

  here's the release form

  Business response

  10/13/2021

  Dear BBB, 

  
  

  Please find our response in the enclosed attachment.

  
  

  Thank you,

• Initial Complaint

  09/15/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. I recently obtained my credit report and found fraudulent accounts I never opened, an overload of addresses I never resided, inquiries I never made and even a different variations to my name. Also found this account:Acct name: MIDLAND FUNDING (Original Creditor: CREDIT ONE BANK N.A.)acct no. *********date opened 07/01/2017 balance $802.00 I am not liable for this debt and I do not have a contract with:Company: MIDLAND FUNDING Address: ****************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at *************************************** and email at [email protected] need a response from the company.

  Customer response

  09/29/2021

  here's the release form

  Business response

  10/12/2021

  Thank you for your letter inquiry regarding Kimono Millers concerns.  We appreciate the opportunity to answer your questions.

   

  A review of our records indicates that on July 1, 2018, this account was placed with ********************************************************, LLC.  ******************************************************, LLC advised that a judgment was obtained on January 29, 2019.

   

  Based on the Identity Theft Affidavit and police report provided by Kimono ****** and in keeping with our Consumer-First policy, the account has been closed.  There will be no further collection activity or sale of this account.  In addition,all three credit reporting agencies were notified to delete our reference to this collection account from Kimono Millers consumer credit files.  In addition, ********************************************************, LLChas been informed to vacate the judgment. Kimono ****** has no obligation for this account.  A copy of the request which was sent to the credit reporting agencies is enclosed for Kimono Millers records.

   

  We consider consumer complaints a serious matter, fully respect consumersrights and apologize for the inconvenience caused to Kimono ******.  Thank you again for your assistance in this matter.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩