ComplaintsforMidland Credit Management Inc

• Initial Complaint

  10/30/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  ON OCTOBER 1ST 2024 I PURCHASED 2 MONEY ORDERS 1 FOR CAPITOL ONE AUTO FINANCE AND 1 FOR MIDLAND CREDIT MANAGEMENT THE PAYMENT FOR CAPITOL ONE IS FOR $259.44 AND $20.00 FOR MIDLAND CREDIT MANAGEMENT I MADE THE MISTAKE OF PUTTING THE MONEY ORDERS IN THE WRONG ENVELOPES SO CAPITOL ONE RECEIVED THE $20.00 MONEY ORDER WHICH WAS MEANT FOR MIDLAND CREDIT MANAGEMENT AND MIDLAND CREDIT MANAGEMENT RECEIVED THE $259.44 MONEY ORDER WHICH WAS MENT FOR CAPITOL ONE AUTO FINANCE IT'S FOR MY CAR NOTE FOR THE MONTH OF OCTOBER I DIDN'T FIND OUT ABOUT THE MIX UP UNTIL OCTOBER 9TH 2024 I CALLED CAPITOL ONE TO SEE IF PAYMENT WAS RECEIVED I WAS TOLD THEY RECEIVED A $20.00 PAYMENT I REALIZED WHAT HAPPENED I IMMEDIATELY CALLED MIDLAND CREDIT MANAGEMENT I EXPLAINED TO THEM WHAT HAPPENED THEY SAID THEY HAD RECEIVED A $$259.44 PAYMENT I TOLD THEM THAT MONEY ORDER WAS MADE OUT TO CAPITOL ONE AUTO FINANCE NOT TO MIDLAND CREDIT MANAGEMENT SO WHY WOULD YOU PROCESS IT? I WAS TOLD IT HAD BEEN PROCESSED ALREADY I ASKED FOR THEM TO SEND IT BACK TO ME AND WAS TOLD I HAD TO WAIT BECAUSE IT'S A PROCESS AND I ASKED HOW LONG BEFORE I GOT A REFUND THEY SAID THEY COULDN'T TELL ME AND THEY WOULD BE SENDING ME A CHECK NOT THE ORIGINAL MONEY ORDER BUT I HAVE NOTHING IN WRITING SAYING THAT IT'S ABOUT TO BE NOVEMBER 9TH WHICH WILL BE A MONTH AND I HAVEN'T HEARD ANYTHING FROM THEM ABOUT THE REFUND I ALSO PAID MIDLAND CREDIT MANAGEMENT ON OCTOBER 11TH 2024 ANOTHER $20.00 SO I AM CURRENT WITH THEM AS CAPITOL ONE AUTO FINANCE HAS THE $20.00 MENT FOR MIDLAND CAPITOL ONE DEDUCTED THE $20.00 FROM THE $259.44 THAT'S OWED TO THEM WHICH MAKES MY BALANCE $239.44 I HAVE NEVER MISSED A PAYMENT OR HAVE I BEEN LATE ON MY PAYMENTS WITH EITHER COMPANY I DON'T KNOW WHAT ELSE TO DO AT THIS POINT THAT'S WHY I'M REACHING OUT TO BBB FOR HELP SINCERELY ******* ****** FEEL FREE TO CONTACT ME ************

• 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.

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