Midland Credit Management, Inc. Putrid, sewer sucking, gurgling vile vomit, pustulant scam perps falsely accuse me of owing Old Navy $237.00 OAKS Oaks Pennsylvania
Got a pukey sweet "we'll do you a big favor" "settlement opportunity" letter claiming that although i "owe" $237.93 on an account MCM purchased from Old Navy, they will do me the fine favor of settling this for $142.76, if I pay up NOW.
Thing is, I have not had any business with Old Navy since 8/23/06, when I paid them $27, have a zero balance, and have had no activity on any account with them since then. I called the Old Navy folks and told them about the letter I got, and asked them to contact MCM, too, as this does not put Old Navy in a good light.
Called MCM, they hire vicious rabid pit bulls to perform "customer service". Just call them for fun sometime! Got nowhere, and they did not get my SS number, no way! they did try. Told them i was onto the scam here, they said "GO AHEAD, CALL the ATTORNEY GENERAL!!"
I sent letters to the AG's in Washington state, where I live, Pennsylvania and San Diego, as well as the Better Business Bureau, The Federal Trade Commission, Old Navy and MCM.
I hope everyone who suffers from this insidious, blatant thievery gets together for a class action law suit.
The chunk of monkey excrement that owns this company is no doubt relaxing on a nice yacht someplace, spending your money like there is no financial collapse coming. If you stole a pack of gum, you can bet YOUR a*s would be in jail, why isn't "Brandon Black" in jail? Can a corporation go to jail? Isn't stealing against the law? Isn't ruining someone's credit akin to slander, defamation of character?
Are you not sick of this insanity? Look at how many people are being ripped off here!
Write letters to the AG's in your states, find the addresses on the internet, same for Better Business Bureau and Federal trade Commission. Don't pay these bastards a penny, don't be fooled, call them and tell them that they are playing with fire. We are SICK and TIRED of it and we're not going to take it anymore!!
Heather
Seattle, Washington
U.S.A.
1 Updates & Rebuttals
Rduke007
Hopatcong,New Jersey,
U.S.A.
Quit whining, enforce your rights! You can retire with what YOU can COLLECT for FDCPA violations
#2Consumer Suggestion
Sat, October 18, 2008
You need to send some correspondence to them
1. Demand verification and validation of the debt.
2. Demand cease & desist. 15 USC 1692 provides they can't contact you if you make this demand
3. Save copies of all correspondence, make notes of any phone calls you receive. Tape record if possible, they will be taping their end
4. Don't expect anything but aggravation from the people in the collections office. Send a request for validation to the corporate office. There is an extension for customer relations with people other than the low-level idiots who call you to attempt collection, and I promise you, the collection idiots know nothing except how to extort payment. If you dial the 800 number, and hit extension 2980, you can speak with someone there.
5. The correct numbers for faxing or mailing DEMANDS FOR COMPENSATION DUE TO FDCPA violations: FAX: 800-577-4133
Midland Funding, LLC
8875 Aero Drive SUITE 200
San Diego, Ca. 92123
You may be able to collect damages for
-each occurrence of a violation of the Fair Debt Collections Practices Act (FDCPA) 15 USC 1692 et seq
Each violation carries a separate statutory penalty of $1,000 to $2,500 PER OCCURRENCE
Some examples of violations are: Misstating the legal status of the alleged debt. This could be as simple as stating you owe money you don't, or contacting you about a debt that is beyond statute of limitations. Contacting you after you demand they cease & desist, Continuing collections once the alleged debt is disputed.
-You likely have a cause for action if MCM erroneously reported this to the credit bureaus. You may have to give them the opportunity to correct this before filing suit.
You can bring suit in state court where you live. This makes it much easier for Midland to settle with you.
Most states require you make a demand for payment prior to filing suit. See the above fax numbers & address.
Not sure you can handle all this stress & paperwork?
FDCPA provides for attorney fees in addition to the statutory damages provided above. Make sure your retainer agreement with an attorney doesn't include a percent of the award, as his or her fees are already covered, and such an attorney shouldn't be trusted!