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.
Regards,
[redacted]
Hello. I do not accept there response. This company is possibly still furnishing information about this account to the credit reporting agencies, not in the sense of Midlands account number, but the original creditors trade line ending in [redacted] I would just like confirmation from Midland that they are not providing any furnished information in any way to the credit reporting agencies and I will close this account. Thank You.
Dear [redacted]
Thank you for your letter inquiry dated September 23, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. 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 16, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 11, 2007 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2010. The balance at the time of purchase was $443.43. Final payment on the account was received on February 21, 2011. [redacted] has no further financial obligation for this account.
As described in his complaint, [redacted] disputes the reference debt, stating it is a result of fraudulent activity. On November 21, 2010, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
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. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt.
On February 21, 2011, during a telephone conversation, [redacted] agreed to a settlement in the amount of $275.92. [redacted] completed his payments and he has no further financial obligation to the account. 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.
With that said, in keeping with its Consumer-First policy, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a police report showing that he reported the fraudulent activity. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead.
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 December 18, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that...
Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 18, 2015. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on July 6, 2001 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 6, 2011. The balance at the time of purchase was $30,378.98.
[redacted] expresses a concern that he has not received validation of the debt. On March 27, 2015, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on September 25, 2015. In response Midland Credit mailed [redacted] a letter stating the matter was being investigated. On November 4, 2015 a copy of the verification information provided by the seller was sent to [redacted]. A copy of that documentation is again enclosed for [redacted] records.
[redacted] also 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 expired on December 8, 2015. 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.
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 December 2017.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit previously made the business decision to close the account. 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 were notified to delete Midland Credit’s reference to the collection account in question from [redacted] consumer credit files on October 9, 2015.
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
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 25, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter...
indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until a phone conversation on February 22, 2015, presumably with [redacted] At that time, [redacted] phone number, [redacted], was marked “Do Not Call” in Midland Credit’s computer system for the referenced account. A review of Midland Credit’s business records indicates no calls have been attempted to [redacted] phone number since February 22, 2015. He will continue to not receive calls from Midland Credit representatives regarding the referenced account. Additionally, [redacted] phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced account.
[redacted] also requests confirmation his credit has not been affected and a statement that he is not the victim of identity theft. Midland Credit has no knowledge of [redacted] being the victim of identity theft, and further review of its business records indicates Midland Credit has not associated the address provided in [redacted] complaint with the referenced account. Additionally, Midland Credit has not reported the account to the credit reporting agencies using his personal information. Should [redacted] have any further concerns, he may contact Midland Credit’s Consumer Support Services team at [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]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 27, 2015. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that [redacted] has retained an attorney. Going forward, all communication about the matter should be handled by his attorney. If [redacted] is no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him 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 November 28, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 16, 2008, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 25, 2012. The balance at the time of purchase was $1,573.22.
[redacted] states that he has disputed to the credit bureaus and that Midland Credit has verified its tradeline. Midland Credit sent [redacted] a validation letter on December 8, 2012. In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland Credit’s business records indicate that it did not receive any written correspondence from [redacted] in response to the letter or pursuant to the Texas Finance Code. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt.
Further review of Midland Credit’s business records indicates that it has received several notices of possible dispute on the account from the credit reporting agencies. Midland Credit appropriately responded in each instance. Additionally, verification documentation provided by the seller was mailed to [redacted] on or about October 27, 2014, and again on or about May 20, 2015. A copy of the verification information is again enclosed for [redacted]’s records.
A review of Midland Credit’s business records indicates that on April 21, 2013, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal”). Midland Credit has forwarded a copy of [redacted]’s complaint to Internal Legal and inquired with them regarding the matter. Internal Legal has advised that suit was filed on November 5, 2013 and [redacted] was served December 10, 2013. Internal Legal has also advised that it has never received any notice of dispute from [redacted] and appropriately proceeded with efforts to collect the debt.
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]’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and the Fair Credit Reporting Act.
Midland Credit encourages [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution. [redacted] may reach the Internal Legal Department at PO Box 939050, San Diego, CA 92193. Their phone number is 866-300-8750.
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
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 will not consider this case closed until I receive validation of this debt. If they cannot provide this validation in the time allowed by law then they must cease collection efforts and remove this debt from my name. Furthermore, the statute of limitations in ** on debt has passed; with this fact alone they should cease collection efforts.
I’ll wait for their response before I take further action. Thank you for your help. [redacted]
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]
August 28, 2014
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]...
[redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry dated August 14, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. 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 29, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 4, 2007 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on March 5, 2012. The balance at the time of purchase was $111.87.
[redacted] sent in full payment of $111.87, which was posted to the account on May 21, 2013. On or about July 26, 2013, Midland Credit received notice from the seller that the account was sold in error, having been paid prior to its sale to Midland Funding. The account has since been recalled to the seller.
[redacted] expresses a concern that Midland Credit representatives were rude to her and that she has yet to receive the refund she had been advised would be sent to her. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees. It has not determined that its representatives acted rudely, however, there was confusion on which company would be providing [redacted] with her refund which is the reason she has yet to receive it.
Midland Credit apologizes for this and is currently expediting the refund to [redacted] via FedEx to her home address provided within the complaint. Although such refunds typically can take four to six weeks, the refund is expected to be mailed out within the next 7 business days.
Additionally, [redacted] expresses concern that the account was reported to the credit bureaus. A review of Midland Credit’s business records indicates that following receipt of her payment, the account was appropriately updated to reflect a paid status with the credit reporting agencies. However, upon receipt of the recall notice from the seller, it appears that although the account was properly adjusted within Midland Credit computer system, the update to remove the account from **. [redacted]’s consumer credit files may not have been applied as intended.
With that said, a notice of possible dispute of the credit reporting was received by Midland Credit from [redacted] in March of 2014 at which time the credit-reporting agency was advised to delete the account. In order to reconfirm the above-referenced account is no longer being reported to any of the three credit-reporting agencies, an instant update was sent to them on August 26, 2014 to delete any remaining reference to the above-referenced account from [redacted]’s consumer credit files.
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:
From: [redacted]Date: Tue, Mar 10, 2015 at 4:52 PMSubject: [redacted] ComplaintTo: "[redacted]HelloI am seeing that The complaint has been Administratively Closed My complaint ID is [redacted] I am still receiving the following messages ..I told you before that they are not calling [redacted] they are calling my work cell [redacted] here is a snipping image of the calls still calling every day… I can not believe that you will do nothing about this,, I guess I will need to go other means to get this to stop.. Thank you[redacted]
First of all I am looking through this supposed bill that I own them for a two camera that was order under my name in 2006??! 270 and 179 I have never had a [redacted] IN MY LIFE!!! s a [redacted]
[redacted] account number ending in [redacted]. They are trying to charge me interested and collect on something that I HAVE NO idea of its illegal practice!
Obviously this is a case of FRAUD!
2nd they said they try to contact me in( [redacted] expresses a concern that their validation requests have been ignored. On February 16, 2012, ) I WANT SEE PROOF OF THAT!!!
I have never contact them and didn't even know I own this money until I saw it on my credit report in 2014. If they are opening this account and reporting to my credit without proper LEGAL RIGHTS I WANT TO SEE all the documentation of my "SUPPOSED" corresponding to them.
3rd if this account have been supposedly open under my name in 2006 according to the 7 years LAW IT CAN NOT BE COLLECTED ON! its 2014 I HAVE NEVER CONTACT THEM in regard to anything in 2012 to open this account up.
IF THEY THINK THAT I AM GOING TO PAY THEM 1 cent for this FRAUD Case their Dreaming.
THEY Are obviously operating an ILLEGAL CREDIT CARD PRACTICE TRYING TO COLLECT money from someone who has no idea of what is going on and trying to add up "FEES" That have no validity.
They need to close my account down IMMEDIATELY!
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.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I still have never recieved anything in the mail from them and they continue to lie about this. I refuse to fill out a fraud form and sign it with a notary without actually having any info on this account other than what they have provided here. Also when the rep told me the info on the phone she said I owed almost 899$. I want the validation in front of me so I can fill out forms properly. If they have validation they should be forced to attach it to this complaint, which they still refuse to do. I can easily send an email stating they owe me money and its not enough for me to give them any of my banking info. They are liars and scam artists and have been sued numerous times for illegal debt practice. I will still give them 10 days to provide validation before sending my letter on intent to sue.
Regards,
[redacted]
Dear [redacted]
:
Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
[redacted]...
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 14, 2012. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on July 1, 2007 as a [redacted] cellular account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 25, 2011. The balance at the time of purchase was $502.90.
[redacted] expresses a concern that the above-referenced account was closed after her contract with [redacted] expired and that she does not owe any money towards the debt. On September 22, 2012, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and informed her of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
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. Midland Credit received the first correspondence requesting validation from [redacted] on August 19, 2014, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt.
While not the only item of concern in the complaint, [redacted] also states that Midland Credit representatives were rude and provided information about the account to family members. A review of Midland Credit’s business records was unable to locate a conversation wherein either allegation occurred. If [redacted] can provide more information about when the call(s) in question may have occurred, she may contact Midland Credit’s Consumer Support Services Department at [redacted] so further investigation may be conducted.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files
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 Ms. Dyer:
Thank you for your letter inquiry dated October 2, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your...
questions.
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. Please note, the October 2, 2014 response to the CFPB only referenced one of the above-referenced accounts as [redacted]’s CFPB complaint indicated a singular [redacted] debt. The only unpaid account belonging to him and being serviced by Midland Credit which originated with [redacted] is account no. [redacted]. Account no. [redacted] is also a [redacted] account, but was settled in 2012. Account no. [redacted] is a [redacted] account, which also was settled in 2012, but the creditor was not mentioned in either complaint.
With that said, as [redacted] references certified mail sent to Midland Credit in August of 2014, a review of the correspondence indicates he was disputing each of the above-referenced debts. Accordingly, this response will address the concerns he has regarding all three accounts.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on November 25, 2009. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on September 28, 2007 as a [redacted] credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 3, 2009. The balance at the time of purchase was $374.12. Final payment on the account was received on May 15, 2012. You have no further financial obligation for this account.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on March 18, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 26, 2007 as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 18, 2009. The balance at the time of purchase was $626.13.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on January 25, 2012. Information provided by the seller, [redacted] Inc., at the time of acquisition indicates this account was originated on November 27, 2007 as a [redacted] general consumer loan account number ending in [redacted], in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 31, 2009. The balance at the time of purchase was $1,602.75. Final payment on the account was received on May 9, 2012. You have no further financial obligation for this account.
[redacted] expresses a concern that his validation requests have been ignored. Midland Credit mailed [redacted] separate and unique validation letters – on December 2, 2009 for account no. [redacted], on April 1, 2010 for account no. [redacted], and on February 9, 2012 for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. Due to administrative oversight, the response to the CFPB indicated the first correspondence requesting validation was received September 5, 2014 by Midland Credit. However, further review of Midland Credit’s business records indicates that the first correspondence requesting validation from [redacted] was received August 15, 2014 via certified mail, which still cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts.
[redacted] writes that when he contacted [redacted], the representative advised him that there was no record of the above-referenced account. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by [redacted], the representative of the original credit provider may not have had access to the pertinent account information.
In his August 15, 2014 correspondence [redacted] also writes that the [redacted] had deleted their tradeline and provided a letter from the original creditor to that effect. [redacted] appears to 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.
In addition to the certified mail Midland Credit received on August 15, 2014, and September 5, 2014, Midland Credit also received several notices of possible dispute from the credit reporting agencies regarding the above-referenced accounts. As [redacted]’s concerns were substantively the same in each instance of dispute, Midland Credit responded with similar responses for the two paid accounts (nos. [redacted] and [redacted]). Individual letters were mailed to him on August 29, 2014, advising that each account was being reported accurately and that he had no further financial obligation to either of them.
As account no. [redacted] has yet to be settled, letters advising [redacted] that Midland Credit denied any inaccurate reporting and needed additional documentation to investigate his concerns were mailed on August 29, 2014, and on September 12, 2014. To date, no supporting documentation has been received for this account. A review of Midland Credit’s business records indicates that it is accurately reporting all three of the above-referenced accounts to the three major credit reporting agencies.
With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of a police report showing that he reported the fraudulent activity. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead.
If [redacted] is ready to settle account no. [redacted], he may qualify for a reduction in his account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance. [redacted] continues to have no further financial obligation for account nos. [redacted] and [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.
The fact that Midland is arguing that I have no right to dispute a debt I believe to be frivolous runs quite contrary to the Fari Debt Collection Practices Act. Midland has been previously sued for FDCPA violations before, as can be seen with legal action taken against Midland from the Federal Trade Commmision: [redacted]
I wlll be reporting this complaint next to the FTC, the Attorney General's office and the Consumer Financial Protection Bureau, as well as pursing this matter in court. The Revdex.com should record that this complaint was left unresolved by Midland's failure to satisfy the consumer's rights. under the FDCPA
Regards,
[redacted]
Thank you for your letter inquiry
regarding [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
February 4, 2015. Midland Credit appreciates the opportunity to
answer your questions.
An
investigation of...
this matter indicates that Midland Credit became the servicer
of the above-referenced account on behalf of purchaser, Midland Funding, LLC
(“Midland Funding”) on December 21, 2009.
Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on August 7,
2007, as a [redacted] account number ending in [redacted],
in the name of [redacted], under the last four of the social security
number [redacted]. Subsequently, the account
was charged-off as an unpaid delinquent-debt on November 29, 2008. The balance at the time of purchase was
$625.69.
[redacted] expresses a concern that her validation requests have been
ignored. On December 25, 2009, 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within her complaint, and was not returned
as “undeliverable” by the United States Postal Service, satisfying the
notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to
the letter. A review of Midland Credit’s
business records indicates that it received the first correspondence requesting
validation from [redacted] on January 2, 2015, which cannot be considered
timely.
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.” 15 U.S.C. §
1692g(a)(3). Because Midland Credit did
not receive such a notice at the time, Midland Credit appropriately proceeded
with efforts to contact [redacted] and collect the debt.
With
that said, although [redacted]’s request is untimely, Midland Credit
acknowledges her dispute, has ceased collection efforts, annotated the account
as disputed, and has begun the process of verifying the debt. Once Midland Credit has obtained verification
of the debt, a copy will be forwarded to your office. Additionally, Midland Credit will not report
the account to the three major credit reporting agencies until it is able to
provide verification of the debt.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
Ms. L[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# 8[redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 6, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 28, 2012. Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, as a [redacted] cellular account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on September 29, 2011. The balance at the time of purchase was $3,223.49.
Ms. [redacted] expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time. Please assure Ms. [redacted] that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time. Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code. Ms. [redacted]’s phone number contains an area code belonging to Yonkers, New York. Based on that information, Midland Credit attempted to contact Ms. [redacted] at times consistent with New York. All calls were placed after 8:00am and prior to 9:00 pm local Yonkers time.
As described in the complaint, Ms. [redacted] questions the alleged conduct of certain Midland Credit employees. Please 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 manner.
Additionally, Ms. [redacted] expresses a concern that, prior to Midland Funding’s purchase of the account, a [redacted] representative changed her phone plan without her consent, resulting in her account being forwarded to collections. A review of Midland Credit’s business records indicate it was not advised of Ms. [redacted]’s concerns with [redacted] prior to receipt of her complaint. However, now that Midland Credit has been made aware of Ms. [redacted]’s prior issues with [redacted], 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. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from Ms. [redacted]’s consumer credit files.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
Gregory Gerkin, Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
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.
The three accounts that Midland is "collecting" on behalf for [redacted] and [redacted] are NOT my accounts. These have been disputed with the bureua as well. I am attaching the police report when I had an identity theft since Midland still refuses to send me a copy of any contract I signed, etc showing that these are my accounts. These three accounts are NOT mind and must be removed immediately. Please find attached the police report filed in regards to identity theft. They continue to say they sent documentation to me, but I have not received ANY documentation prior to me disputing these accounts when I saw them on my report. THey need to STOP asking me to settle any accounts with them because I refuse to pay for any account that is on my credit and is not mine! I am not sure if Midland is aware what Identity theft is, but it is when someone else uses your identity to obtain services or contacts in your name, these individuals know the social security etc of the person they are stealing from, so therefore, Midland saying this was in my name with my social would tell you that this is identity theft. Midland has NOT provided anything with my signature etc showing that these are my accounts because they cannot, they are not my accounts. Please use this police report as proof that these accounts must be REMOVED immediately from my credit report.
Regards,
[redacted]
Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from [redacted], they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisions.... Thank you
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]
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
December 15, 2015. Midland Credit appreciates the opportunity to
answer your questions. Midland Credit provided all of the account
identifying information in its previous letter response to your office dated
November 23, 2015.
[redacted]
continues to express a concern that he did not receive validation in response
to a dispute he sent to Midland Credit in 2013.
He also states Midland Credit has not acknowledged the letter from
February 2013.
Midland Credit
sent [redacted] an initial validation notice in February 2012. In its previous response to your office dated
November 23, 2015, Midland Credit stated it received the first correspondence
requesting validation from [redacted] on February 14, 2013, which cannot be
considered timely. In the same letter
that he requested validation, [redacted] requested that all contact cease and
desist. The account was appropriately
marked “Cease and Desist” at that time. Per
his request to not receive contact, Midland Credit was unable to respond to [redacted] request for validation at that time.
Please note, Midland Credit has acted appropriately
pursuant to applicable law.
Per
[redacted] previous request in his February 2013 letter, 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]
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.
Thank you very much. In...
addition to the formal letter I submitted to you, I was just informed that my client was not even living in the country when the alleged debt was incurred. He moved here after that date.
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.
Regards,
[redacted]
Hello. I do not accept there response. This company is possibly still furnishing information about this account to the credit reporting agencies, not in the sense of Midlands account number, but the original creditors trade line ending in [redacted] I would just like confirmation from Midland that they are not providing any furnished information in any way to the credit reporting agencies and I will close this account. Thank You.
Dear [redacted]
Thank you for your letter inquiry dated September 23, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. 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 16, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 11, 2007 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2010. The balance at the time of purchase was $443.43. Final payment on the account was received on February 21, 2011. [redacted] has no further financial obligation for this account.
As described in his complaint, [redacted] disputes the reference debt, stating it is a result of fraudulent activity. On November 21, 2010, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
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. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt.
On February 21, 2011, during a telephone conversation, [redacted] agreed to a settlement in the amount of $275.92. [redacted] completed his payments and he has no further financial obligation to the account. 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.
With that said, in keeping with its Consumer-First policy, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a police report showing that he reported the fraudulent activity. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead.
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 December 18, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that...
Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 18, 2015. Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on July 6, 2001 as a [redacted] account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 6, 2011. The balance at the time of purchase was $30,378.98.
[redacted] expresses a concern that he has not received validation of the debt. On March 27, 2015, Midland Credit mailed [redacted] a validation letter. Please note that the letter was mailed to [redacted] via the United States Postal Service. The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on September 25, 2015. In response Midland Credit mailed [redacted] a letter stating the matter was being investigated. On November 4, 2015 a copy of the verification information provided by the seller was sent to [redacted]. A copy of that documentation is again enclosed for [redacted] records.
[redacted] also 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 expired on December 8, 2015. 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.
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 December 2017.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit previously made the business decision to close the account. 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 were notified to delete Midland Credit’s reference to the collection account in question from [redacted] consumer credit files on October 9, 2015.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 25, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter...
indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until a phone conversation on February 22, 2015, presumably with [redacted] At that time, [redacted] phone number, [redacted], was marked “Do Not Call” in Midland Credit’s computer system for the referenced account. A review of Midland Credit’s business records indicates no calls have been attempted to [redacted] phone number since February 22, 2015. He will continue to not receive calls from Midland Credit representatives regarding the referenced account. Additionally, [redacted] phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced account.
[redacted] also requests confirmation his credit has not been affected and a statement that he is not the victim of identity theft. Midland Credit has no knowledge of [redacted] being the victim of identity theft, and further review of its business records indicates Midland Credit has not associated the address provided in [redacted] complaint with the referenced account. Additionally, Midland Credit has not reported the account to the credit reporting agencies using his personal information. Should [redacted] have any further concerns, he may contact Midland Credit’s Consumer Support Services team at [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]
August 10, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com#...
[redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 27, 2015. Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that [redacted] has retained an attorney. Going forward, all communication about the matter should be handled by his attorney. If [redacted] is no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him 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 November 28, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 16, 2008, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 25, 2012. The balance at the time of purchase was $1,573.22.
[redacted] states that he has disputed to the credit bureaus and that Midland Credit has verified its tradeline. Midland Credit sent [redacted] a validation letter on December 8, 2012. In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland Credit’s business records indicate that it did not receive any written correspondence from [redacted] in response to the letter or pursuant to the Texas Finance Code. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt.
Further review of Midland Credit’s business records indicates that it has received several notices of possible dispute on the account from the credit reporting agencies. Midland Credit appropriately responded in each instance. Additionally, verification documentation provided by the seller was mailed to [redacted] on or about October 27, 2014, and again on or about May 20, 2015. A copy of the verification information is again enclosed for [redacted]’s records.
A review of Midland Credit’s business records indicates that on April 21, 2013, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal”). Midland Credit has forwarded a copy of [redacted]’s complaint to Internal Legal and inquired with them regarding the matter. Internal Legal has advised that suit was filed on November 5, 2013 and [redacted] was served December 10, 2013. Internal Legal has also advised that it has never received any notice of dispute from [redacted] and appropriately proceeded with efforts to collect the debt.
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]’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and the Fair Credit Reporting Act.
Midland Credit encourages [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution. [redacted] may reach the Internal Legal Department at PO Box 939050, San Diego, CA 92193. Their phone number is 866-300-8750.
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.
I will not consider this case closed until I receive validation of this debt. If they cannot provide this validation in the time allowed by law then they must cease collection efforts and remove this debt from my name. Furthermore, the statute of limitations in ** on debt has passed; with this fact alone they should cease collection efforts.
I’ll wait for their response before I take further action. Thank you for your help. [redacted]
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]
August 28, 2014
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]...
[redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry dated August 14, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. 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 29, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 4, 2007 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on March 5, 2012. The balance at the time of purchase was $111.87.
[redacted] sent in full payment of $111.87, which was posted to the account on May 21, 2013. On or about July 26, 2013, Midland Credit received notice from the seller that the account was sold in error, having been paid prior to its sale to Midland Funding. The account has since been recalled to the seller.
[redacted] expresses a concern that Midland Credit representatives were rude to her and that she has yet to receive the refund she had been advised would be sent to her. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees. It has not determined that its representatives acted rudely, however, there was confusion on which company would be providing [redacted] with her refund which is the reason she has yet to receive it.
Midland Credit apologizes for this and is currently expediting the refund to [redacted] via FedEx to her home address provided within the complaint. Although such refunds typically can take four to six weeks, the refund is expected to be mailed out within the next 7 business days.
Additionally, [redacted] expresses concern that the account was reported to the credit bureaus. A review of Midland Credit’s business records indicates that following receipt of her payment, the account was appropriately updated to reflect a paid status with the credit reporting agencies. However, upon receipt of the recall notice from the seller, it appears that although the account was properly adjusted within Midland Credit computer system, the update to remove the account from **. [redacted]’s consumer credit files may not have been applied as intended.
With that said, a notice of possible dispute of the credit reporting was received by Midland Credit from [redacted] in March of 2014 at which time the credit-reporting agency was advised to delete the account. In order to reconfirm the above-referenced account is no longer being reported to any of the three credit-reporting agencies, an instant update was sent to them on August 26, 2014 to delete any remaining reference to the above-referenced account from [redacted]’s consumer credit files.
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:
From: [redacted]Date: Tue, Mar 10, 2015 at 4:52 PMSubject: [redacted] ComplaintTo: "[redacted]HelloI am seeing that The complaint has been Administratively Closed My complaint ID is [redacted] I am still receiving the following messages ..I told you before that they are not calling [redacted] they are calling my work cell [redacted] here is a snipping image of the calls still calling every day… I can not believe that you will do nothing about this,, I guess I will need to go other means to get this to stop.. Thank you[redacted]
First of all I am looking through this supposed bill that I own them for a two camera that was order under my name in 2006??! 270 and 179 I have never had a [redacted] IN MY LIFE!!! s a [redacted]
[redacted] account number ending in [redacted]. They are trying to charge me interested and collect on something that I HAVE NO idea of its illegal practice!
Obviously this is a case of FRAUD!
2nd they said they try to contact me in( [redacted] expresses a concern that their validation requests have been ignored. On February 16, 2012, ) I WANT SEE PROOF OF THAT!!!
I have never contact them and didn't even know I own this money until I saw it on my credit report in 2014. If they are opening this account and reporting to my credit without proper LEGAL RIGHTS I WANT TO SEE all the documentation of my "SUPPOSED" corresponding to them.
3rd if this account have been supposedly open under my name in 2006 according to the 7 years LAW IT CAN NOT BE COLLECTED ON! its 2014 I HAVE NEVER CONTACT THEM in regard to anything in 2012 to open this account up.
IF THEY THINK THAT I AM GOING TO PAY THEM 1 cent for this FRAUD Case their Dreaming.
THEY Are obviously operating an ILLEGAL CREDIT CARD PRACTICE TRYING TO COLLECT money from someone who has no idea of what is going on and trying to add up "FEES" That have no validity.
They need to close my account down IMMEDIATELY!
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.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I still have never recieved anything in the mail from them and they continue to lie about this. I refuse to fill out a fraud form and sign it with a notary without actually having any info on this account other than what they have provided here. Also when the rep told me the info on the phone she said I owed almost 899$. I want the validation in front of me so I can fill out forms properly. If they have validation they should be forced to attach it to this complaint, which they still refuse to do. I can easily send an email stating they owe me money and its not enough for me to give them any of my banking info. They are liars and scam artists and have been sued numerous times for illegal debt practice. I will still give them 10 days to provide validation before sending my letter on intent to sue.
Regards,
[redacted]
Dear [redacted]
:
Thank you for your letter inquiry dated August 26, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions.
[redacted]...
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 14, 2012. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on July 1, 2007 as a [redacted] cellular account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 25, 2011. The balance at the time of purchase was $502.90.
[redacted] expresses a concern that the above-referenced account was closed after her contract with [redacted] expired and that she does not owe any money towards the debt. On September 22, 2012, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and informed her of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
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. Midland Credit received the first correspondence requesting validation from [redacted] on August 19, 2014, which cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt.
While not the only item of concern in the complaint, [redacted] also states that Midland Credit representatives were rude and provided information about the account to family members. A review of Midland Credit’s business records was unable to locate a conversation wherein either allegation occurred. If [redacted] can provide more information about when the call(s) in question may have occurred, she may contact Midland Credit’s Consumer Support Services Department at [redacted] so further investigation may be conducted.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files
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 Ms. Dyer:
Thank you for your letter inquiry dated October 2, 2014, regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your...
questions.
[redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). A copy of Midland Credit’s response to the CFPB is enclosed. Please note, the October 2, 2014 response to the CFPB only referenced one of the above-referenced accounts as [redacted]’s CFPB complaint indicated a singular [redacted] debt. The only unpaid account belonging to him and being serviced by Midland Credit which originated with [redacted] is account no. [redacted]. Account no. [redacted] is also a [redacted] account, but was settled in 2012. Account no. [redacted] is a [redacted] account, which also was settled in 2012, but the creditor was not mentioned in either complaint.
With that said, as [redacted] references certified mail sent to Midland Credit in August of 2014, a review of the correspondence indicates he was disputing each of the above-referenced debts. Accordingly, this response will address the concerns he has regarding all three accounts.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on November 25, 2009. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on September 28, 2007 as a [redacted] credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 3, 2009. The balance at the time of purchase was $374.12. Final payment on the account was received on May 15, 2012. You have no further financial obligation for this account.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on March 18, 2010. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 26, 2007 as a [redacted] credit card account number ending in [redacted] in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 18, 2009. The balance at the time of purchase was $626.13.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on January 25, 2012. Information provided by the seller, [redacted] Inc., at the time of acquisition indicates this account was originated on November 27, 2007 as a [redacted] general consumer loan account number ending in [redacted], in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 31, 2009. The balance at the time of purchase was $1,602.75. Final payment on the account was received on May 9, 2012. You have no further financial obligation for this account.
[redacted] expresses a concern that his validation requests have been ignored. Midland Credit mailed [redacted] separate and unique validation letters – on December 2, 2009 for account no. [redacted], on April 1, 2010 for account no. [redacted], and on February 9, 2012 for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. Due to administrative oversight, the response to the CFPB indicated the first correspondence requesting validation was received September 5, 2014 by Midland Credit. However, further review of Midland Credit’s business records indicates that the first correspondence requesting validation from [redacted] was received August 15, 2014 via certified mail, which still cannot be considered timely.
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts.
[redacted] writes that when he contacted [redacted], the representative advised him that there was no record of the above-referenced account. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by [redacted], the representative of the original credit provider may not have had access to the pertinent account information.
In his August 15, 2014 correspondence [redacted] also writes that the [redacted] had deleted their tradeline and provided a letter from the original creditor to that effect. [redacted] appears to 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.
In addition to the certified mail Midland Credit received on August 15, 2014, and September 5, 2014, Midland Credit also received several notices of possible dispute from the credit reporting agencies regarding the above-referenced accounts. As [redacted]’s concerns were substantively the same in each instance of dispute, Midland Credit responded with similar responses for the two paid accounts (nos. [redacted] and [redacted]). Individual letters were mailed to him on August 29, 2014, advising that each account was being reported accurately and that he had no further financial obligation to either of them.
As account no. [redacted] has yet to be settled, letters advising [redacted] that Midland Credit denied any inaccurate reporting and needed additional documentation to investigate his concerns were mailed on August 29, 2014, and on September 12, 2014. To date, no supporting documentation has been received for this account. A review of Midland Credit’s business records indicates that it is accurately reporting all three of the above-referenced accounts to the three major credit reporting agencies.
With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of a police report showing that he reported the fraudulent activity. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead.
If [redacted] is ready to settle account no. [redacted], he may qualify for a reduction in his account balance. Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance. [redacted] continues to have no further financial obligation for account nos. [redacted] and [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.
The fact that Midland is arguing that I have no right to dispute a debt I believe to be frivolous runs quite contrary to the Fari Debt Collection Practices Act. Midland has been previously sued for FDCPA violations before, as can be seen with legal action taken against Midland from the Federal Trade Commmision: [redacted]
I wlll be reporting this complaint next to the FTC, the Attorney General's office and the Consumer Financial Protection Bureau, as well as pursing this matter in court. The Revdex.com should record that this complaint was left unresolved by Midland's failure to satisfy the consumer's rights. under the FDCPA
Regards,
[redacted]
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
February 4, 2015. Midland Credit appreciates the opportunity to
answer your questions.
An
investigation of...
this matter indicates that Midland Credit became the servicer
of the above-referenced account on behalf of purchaser, Midland Funding, LLC
(“Midland Funding”) on December 21, 2009.
Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on August 7,
2007, as a [redacted] account number ending in [redacted],
in the name of [redacted], under the last four of the social security
number [redacted]. Subsequently, the account
was charged-off as an unpaid delinquent-debt on November 29, 2008. The balance at the time of purchase was
$625.69.
[redacted] expresses a concern that her validation requests have been
ignored. On December 25, 2009, 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within her complaint, and was not returned
as “undeliverable” by the United States Postal Service, satisfying the
notification requirements of the FDCPA. 15 U.S.C. § 1692.
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to
the letter. A review of Midland Credit’s
business records indicates that it received the first correspondence requesting
validation from [redacted] on January 2, 2015, which cannot be considered
timely.
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.” 15 U.S.C. §
1692g(a)(3). Because Midland Credit did
not receive such a notice at the time, Midland Credit appropriately proceeded
with efforts to contact [redacted] and collect the debt.
With
that said, although [redacted]’s request is untimely, Midland Credit
acknowledges her dispute, has ceased collection efforts, annotated the account
as disputed, and has begun the process of verifying the debt. Once Midland Credit has obtained verification
of the debt, a copy will be forwarded to your office. Additionally, Midland Credit will not report
the account to the three major credit reporting agencies until it is able to
provide verification of the debt.
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to [redacted].
Thank
you again for your assistance in this matter. Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
April 20, 2015
VIA E-Mail
Ms. L[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# 8[redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 6, 2015. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 28, 2012. Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, as a [redacted] cellular account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on September 29, 2011. The balance at the time of purchase was $3,223.49.
Ms. [redacted] expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time. Please assure Ms. [redacted] that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time. Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code. Ms. [redacted]’s phone number contains an area code belonging to Yonkers, New York. Based on that information, Midland Credit attempted to contact Ms. [redacted] at times consistent with New York. All calls were placed after 8:00am and prior to 9:00 pm local Yonkers time.
As described in the complaint, Ms. [redacted] questions the alleged conduct of certain Midland Credit employees. Please 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 manner.
Additionally, Ms. [redacted] expresses a concern that, prior to Midland Funding’s purchase of the account, a [redacted] representative changed her phone plan without her consent, resulting in her account being forwarded to collections. A review of Midland Credit’s business records indicate it was not advised of Ms. [redacted]’s concerns with [redacted] prior to receipt of her complaint. However, now that Midland Credit has been made aware of Ms. [redacted]’s prior issues with [redacted], 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. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from Ms. [redacted]’s consumer credit files.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
Gregory Gerkin, Esq.
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.
The three accounts that Midland is "collecting" on behalf for [redacted] and [redacted] are NOT my accounts. These have been disputed with the bureua as well. I am attaching the police report when I had an identity theft since Midland still refuses to send me a copy of any contract I signed, etc showing that these are my accounts. These three accounts are NOT mind and must be removed immediately. Please find attached the police report filed in regards to identity theft. They continue to say they sent documentation to me, but I have not received ANY documentation prior to me disputing these accounts when I saw them on my report. THey need to STOP asking me to settle any accounts with them because I refuse to pay for any account that is on my credit and is not mine! I am not sure if Midland is aware what Identity theft is, but it is when someone else uses your identity to obtain services or contacts in your name, these individuals know the social security etc of the person they are stealing from, so therefore, Midland saying this was in my name with my social would tell you that this is identity theft. Midland has NOT provided anything with my signature etc showing that these are my accounts because they cannot, they are not my accounts. Please use this police report as proof that these accounts must be REMOVED immediately from my credit report.
Regards,
[redacted]
Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from [redacted], they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisions.... Thank you
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]
Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
December 15, 2015. Midland Credit appreciates the opportunity to
answer your questions. Midland Credit provided all of the account
identifying information in its previous letter response to your office dated
November 23, 2015.
[redacted]
continues to express a concern that he did not receive validation in response
to a dispute he sent to Midland Credit in 2013.
He also states Midland Credit has not acknowledged the letter from
February 2013.
Midland Credit
sent [redacted] an initial validation notice in February 2012. In its previous response to your office dated
November 23, 2015, Midland Credit stated it received the first correspondence
requesting validation from [redacted] on February 14, 2013, which cannot be
considered timely. In the same letter
that he requested validation, [redacted] requested that all contact cease and
desist. The account was appropriately
marked “Cease and Desist” at that time. Per
his request to not receive contact, Midland Credit was unable to respond to [redacted] request for validation at that time.
Please note, Midland Credit has acted appropriately
pursuant to applicable law.
Per
[redacted] previous request in his February 2013 letter, 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]
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.
Thank you very much. In...
addition to the formal letter I submitted to you, I was just informed that my client was not even living in the country when the alleged debt was incurred. He moved here after that date.
[redacted]
(NOTE: TWO ATTACHMENTS)