- Report: #978433
Complaint Review: Midland Credit Management - San Diego California
Reported By:
willbe -
Irving, Texas, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Midland Credit Management
8875 Aero Drive, Suite 200 San Diego, 92123 California, United States of America
Phone:
800-825-8131
Web:
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Midland Credit Management MCM Expired Statue of Limitations San Diego, California
MCM tried to collect on an old HSBC Card Services account that I closed in 2006. They sent me a collection letter on 11-15-2012. I knew the account was old, so I pulled my credit report and they had reported it to the credit bureaus, but the credit bureaus seem to be getting wise to collection agencies and their attempt to re-age old, expired debt and have started stating the Date of First Delinquency, which was 9/2006 for this debt. The debt for my state, Texas, expired on 9/2010.
What really blew my mind was the fact that they were trying to collect over $700. The limit on the card was only $300. As best I can recall, I only owed $128 balance. My husband and I were in a serious dilemma. We were laid off from our jobs within weeks of each other.
I sent MCM a letter on 11/21/2012 informing them that the debt had an Expired Statue of Limitations per info recorded on my credit file with the credit bureaus. While I stated in my letter than I dispute this debt, my letter was to inform them that the debt had an expired statue of limitations per info recorded on my file with the credit bureaus.
Today, I get a letter from MCM in reply. They inform me that the debt in dispute is accurate and deny that there is any inaccuracy with the account. I didn't dispute the accuracy. I informed them that the debt has expired. MCM obviously didn't bother to read my letter.
I have filed a dispute with the credit bureaus on the same day I sent my letter to MCM. Of all things, it seems Capital One acquired HSBC's credit card debt including expired debt and there are two entries on my credit file for one debt - duplicates. The credit bureaus are still investigating as of today, December 5, 2012.
What really blew my mind was the fact that they were trying to collect over $700. The limit on the card was only $300. As best I can recall, I only owed $128 balance. My husband and I were in a serious dilemma. We were laid off from our jobs within weeks of each other.
I sent MCM a letter on 11/21/2012 informing them that the debt had an Expired Statue of Limitations per info recorded on my credit file with the credit bureaus. While I stated in my letter than I dispute this debt, my letter was to inform them that the debt had an expired statue of limitations per info recorded on my file with the credit bureaus.
Today, I get a letter from MCM in reply. They inform me that the debt in dispute is accurate and deny that there is any inaccuracy with the account. I didn't dispute the accuracy. I informed them that the debt has expired. MCM obviously didn't bother to read my letter.
I have filed a dispute with the credit bureaus on the same day I sent my letter to MCM. Of all things, it seems Capital One acquired HSBC's credit card debt including expired debt and there are two entries on my credit file for one debt - duplicates. The credit bureaus are still investigating as of today, December 5, 2012.
2 Updates & Rebuttals
The Outlaw Josey Wales
Golden Meadow,United States of America
hey stacie
#2Consumer Comment
Thu, December 06, 2012
ashlee is back, why don't you and her with bob from irvine get together for more useless rebutts? bring kenny along, he forgot which week he is suppose to rebutts, you'll need to sync together
Stacey
Dallas,Texas,
U.S.A.
Info for you
#3Consumer Comment
Thu, December 06, 2012
go to www.budhibbs.com and read up on these scumbags. You can also email him and he has great information about these losers plus can help you when dealing with them.
Good luck to you!
