- Report: #323281
Complaint Review: Midland Credit Management - San Diego California
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Midland Credit Management
8875 Aero Dr San Diego, 92123 California, U.S.A.
Phone:
888-4036206
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Midland Credit Management 2008 Midland Presidio cm Providian San Diego California
Hi, I have the same problem as many others. At one time I had a Providian Charge card. I lost my job and filed BK in 1996.
However, I heard Providan was bought by Presido, then Washington Mutual?
Are Providian and Presido one in the same?
I never got a charge off form for taxes...so I wonder if this isn't after BK reporting? It has been so long ago I have no idea...if so this shouldn't even be on there.
I checked my 3 cr reports and found Presidio/cm listing as Date opened 2000. Reported since Jan.2001 Date of status Apr.2005. Last reported status Apr.2005. Type Revolving. Terms NA. Monthly payment NA. Responsibility Individual. Credit limit or orignal amount $1,600. High balance $2,861. Status Transfered, Closed/account charge off $2,861 written off. Charge Off as of Nov 2003 to Apr. 2005. Creditor's statement Purchased by another lender.
Then walks in Midland (M.C.M.)
same providian card different account numbers:
Date opened Sep.2007
Reported since Nov. 2007
Date of status Nov 2007
Last reported Dec. 2007
Responsibility Individual
Credit limit or original amount $2,882
High blance NA
Recent Balance $4,100 as of Dec. 2007
Status: collection account. $4,100 past due as of Dec 2007.
Collection as of Dec.2007, Nov. 2007.
This account is scheduled to continue on record until Jan 2010.
I never got anything from 2005 to 2008 on this.
SOL is 4 years in CA.
But it can be reported for up to 7 years on CR.
However, Midland has re-aged the debt and looks like almost doubled the amount due. This seems to be FCRA and FDCPA violation.
I really don't want to DV Midland as of yet...too much stress. But have disputed it on the big 3 CR by letter.
Any suggestions?
Diana
Madera, California
U.S.A.
However, I heard Providan was bought by Presido, then Washington Mutual?
Are Providian and Presido one in the same?
I never got a charge off form for taxes...so I wonder if this isn't after BK reporting? It has been so long ago I have no idea...if so this shouldn't even be on there.
I checked my 3 cr reports and found Presidio/cm listing as Date opened 2000. Reported since Jan.2001 Date of status Apr.2005. Last reported status Apr.2005. Type Revolving. Terms NA. Monthly payment NA. Responsibility Individual. Credit limit or orignal amount $1,600. High balance $2,861. Status Transfered, Closed/account charge off $2,861 written off. Charge Off as of Nov 2003 to Apr. 2005. Creditor's statement Purchased by another lender.
Then walks in Midland (M.C.M.)
same providian card different account numbers:
Date opened Sep.2007
Reported since Nov. 2007
Date of status Nov 2007
Last reported Dec. 2007
Responsibility Individual
Credit limit or original amount $2,882
High blance NA
Recent Balance $4,100 as of Dec. 2007
Status: collection account. $4,100 past due as of Dec 2007.
Collection as of Dec.2007, Nov. 2007.
This account is scheduled to continue on record until Jan 2010.
I never got anything from 2005 to 2008 on this.
SOL is 4 years in CA.
But it can be reported for up to 7 years on CR.
However, Midland has re-aged the debt and looks like almost doubled the amount due. This seems to be FCRA and FDCPA violation.
I really don't want to DV Midland as of yet...too much stress. But have disputed it on the big 3 CR by letter.
Any suggestions?
Diana
Madera, California
U.S.A.
