ComplaintsforMidland Credit Management Inc

• Initial Complaint

  08/19/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

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

  Business response

  08/28/2023

  See attached

  Customer response

  08/28/2023

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

  Business response

  08/31/2023

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

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

• Initial Complaint

  09/27/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  Business response

  10/20/2022

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

• Initial Complaint

  09/20/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  Business response

  10/05/2022

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

• Initial Complaint

  07/01/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  Business response

  08/04/2022

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

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

• Initial Complaint

  10/11/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  Customer response

  10/20/2021

  Hello i am sending signed form you requested to proceed 

  Business response

  11/05/2021

  Please see our attached response. 

• Initial Complaint

  10/06/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Customer response

  10/11/2021

  attached is the release form requested. thank you

  Business response

  11/05/2021

  Dear BBB:

   

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

   

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

   

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

   

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

• Initial Complaint

  10/05/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Customer response

  10/08/2021

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

  Business response

  11/04/2021

  Please see our attached response. 

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