• Report: #373936

Complaint Review: Midland Credit Management

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  • Submitted: Wed, September 17, 2008
  • Updated: Sun, March 15, 2009

  • Reported By:fort lupton Colorado
Midland Credit Management
1948 Chestnut Street Fort Lupton, Colorado U.S.A.

Midland Credit Management I have never orderd from Fingerhut credit advantage before in my life but yet I am getting a bill for it Fort Lupton Colorado

*Consumer Suggestion: Opps

*Consumer Suggestion: BULL

*UPDATE Employee: Some information

*UPDATE Employee: Some information

*UPDATE Employee: Some information

*UPDATE Employee: Some information

*Consumer Suggestion: Advice

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I have never in my life purchased anything from Fingehut but yet I received a bill from midland credit management saying I owe 668.02 I called the number on the bill and spoke to a person that gave me some information about the account.

The weird thing was they had my social security number, and contact information. When I asked them when these purchases were made, they told me between 200 amd 2004. The ship to information was to an address in the city where I lived at the time frame of the so called purchases but the actual address was never a location that I lived at.

I thought it was odd that I had never seen a bill from fingerhut this entire time and then out of the blue I get a bill form this midland credit management. Still a little unsure about the whole thing, I kept asking questions about the account. She told me that payments stopped coming in 2004. I really started to second guess myself and started to wonder if I really did order something and just don't remember but when she was naming off all of the items purchased, it was clear that I never bought this stuff.

The woman I spoke to told that if I feel this is a scam to contact the police. I did just that. The llocal police found the whole thing odd as well and told them they thought it was a scam to get a number from the internet and call fingerhut themselves, not the number on the bill. Before calling fingerhut, I did get a call from midland at home. The guy I spoke to was rather rude and basically told me that I had to handle my business and I knew I had purchased these various items and to pay what I owe.

I looked up fingerhut online and called the customer service number. I tried to talk to someone about this but she told me that they bought the name fingerhut 5 1/2 years ago and they are not fingerhut credit advantage. They had no number to provide for me, just a fax number and PO box.

compucredit@cardservices
PO Box 7999
St. Cloud MN 56302
fax # 1-320-229-8583

The CSR told me that she gets calls like this all the time but they have no record of fingerhut credit advantage, she said it would be like me calling sears and asking them about my JC Penny account.

At this point, I don't know what to do, they call my home, they call my work, and they send me letters. I am at a standstill but am so concerned that I may have my checks actually garnished because of the threats I am getting. This also is on my credit report which does not make it any easier to attempt to do anything that would require a credit report.

Donna xxxxxxx
fort lupton, Colorado
U.S.A.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 09/17/2008 04:44 PM and is a permanent record located here: http://www.ripoffreport.com/r/Midland-Credit-Management/Fort-Lupton-Colorado-80621/Midland-Credit-Management-I-have-never-orderd-from-Fingerhut-credit-advantage-before-in-my-373936. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Opps

AUTHOR: Benn - (U.S.A.)

Sorry about that I misread the "employee's" comments. Yes the employee is right. AGAIN I stand corrected.
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#2 Consumer Suggestion

BULL

AUTHOR: Benn - (U.S.A.)

The old Fingerhut was sold in the early 2000's and the old debts and collection stayed with the old company. So YES if you called the "new" fingerhut in St. Cloud, MN they really do not have any information on the "old" fingerhut company. Yes you will need to send a certified, return receipt requested letter to the post office address that you have but do not expect a reply to this.

If you view the BBB website this information will be the same so this "employee" is so full of it and makes me believe that Midland employee's are using this website as a way to decieve the general public.

AGAIN, cross check my information by typing in Fingerhut on the BBB or doing a web search and you will see that what I said is the truth and nothing that the "employee" has said is factual.
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#3 UPDATE Employee

Some information

AUTHOR: Rangebird - (U.S.A.)

As an employee of Fingerhut Direct Marketing, I can tell you that I'm very confused about this one.
The current Fingerhut does not have information about former Fingerhut accounts, or any of the old purchase orders. But, the first person that called you should be able to provide you with a copy of the purchase orders that she claims you had. If they are unwilling to do so, I would RUN..not walk to your local police detectives. A collections agency normally does not have that kind of information, the only information that would be provided to them would be your name,address,phone and amount owed to the original account. They WOULD NOT have detailed information about what you ordered or where it was sent to. That information would have been with the original company that supposedly shipped the merchandise. This SMACKS of some kind of fraud, and an educated guess would be it was caused by somebody you know(that's usually how it happens..nice eh?) Family members are usually the first and most reasonable culprits. Ex-Spouses and or their new "significant others" are number one on the hit parade. Than, you have minor children that tend to pull this kind of stunt. The person that did this had access to your personal information, including your ssn, and/or drivers license or government issued i.d. Due to Homeland Security laws, in place since 2001, this information would have been required at the time the credit application was processed.
If I were you, I would also file a complaint with your State Attorney General's office against the agency that is attempting to collect from you.
You may also want to contact the Social Security Adminsitration and request a new Social Security number be assigned to you due to possible fraudulant activity,and breach of personal privacy.
I hope this provides you with some tools to work with, and I wish you all the best.
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#4 UPDATE Employee

Some information

AUTHOR: Rangebird - (U.S.A.)

As an employee of Fingerhut Direct Marketing, I can tell you that I'm very confused about this one.
The current Fingerhut does not have information about former Fingerhut accounts, or any of the old purchase orders. But, the first person that called you should be able to provide you with a copy of the purchase orders that she claims you had. If they are unwilling to do so, I would RUN..not walk to your local police detectives. A collections agency normally does not have that kind of information, the only information that would be provided to them would be your name,address,phone and amount owed to the original account. They WOULD NOT have detailed information about what you ordered or where it was sent to. That information would have been with the original company that supposedly shipped the merchandise. This SMACKS of some kind of fraud, and an educated guess would be it was caused by somebody you know(that's usually how it happens..nice eh?) Family members are usually the first and most reasonable culprits. Ex-Spouses and or their new "significant others" are number one on the hit parade. Than, you have minor children that tend to pull this kind of stunt. The person that did this had access to your personal information, including your ssn, and/or drivers license or government issued i.d. Due to Homeland Security laws, in place since 2001, this information would have been required at the time the credit application was processed.
If I were you, I would also file a complaint with your State Attorney General's office against the agency that is attempting to collect from you.
You may also want to contact the Social Security Adminsitration and request a new Social Security number be assigned to you due to possible fraudulant activity,and breach of personal privacy.
I hope this provides you with some tools to work with, and I wish you all the best.
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#5 UPDATE Employee

Some information

AUTHOR: Rangebird - (U.S.A.)

As an employee of Fingerhut Direct Marketing, I can tell you that I'm very confused about this one.
The current Fingerhut does not have information about former Fingerhut accounts, or any of the old purchase orders. But, the first person that called you should be able to provide you with a copy of the purchase orders that she claims you had. If they are unwilling to do so, I would RUN..not walk to your local police detectives. A collections agency normally does not have that kind of information, the only information that would be provided to them would be your name,address,phone and amount owed to the original account. They WOULD NOT have detailed information about what you ordered or where it was sent to. That information would have been with the original company that supposedly shipped the merchandise. This SMACKS of some kind of fraud, and an educated guess would be it was caused by somebody you know(that's usually how it happens..nice eh?) Family members are usually the first and most reasonable culprits. Ex-Spouses and or their new "significant others" are number one on the hit parade. Than, you have minor children that tend to pull this kind of stunt. The person that did this had access to your personal information, including your ssn, and/or drivers license or government issued i.d. Due to Homeland Security laws, in place since 2001, this information would have been required at the time the credit application was processed.
If I were you, I would also file a complaint with your State Attorney General's office against the agency that is attempting to collect from you.
You may also want to contact the Social Security Adminsitration and request a new Social Security number be assigned to you due to possible fraudulant activity,and breach of personal privacy.
I hope this provides you with some tools to work with, and I wish you all the best.
Respond to this report!
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#6 UPDATE Employee

Some information

AUTHOR: Rangebird - (U.S.A.)

As an employee of Fingerhut Direct Marketing, I can tell you that I'm very confused about this one.
The current Fingerhut does not have information about former Fingerhut accounts, or any of the old purchase orders. But, the first person that called you should be able to provide you with a copy of the purchase orders that she claims you had. If they are unwilling to do so, I would RUN..not walk to your local police detectives. A collections agency normally does not have that kind of information, the only information that would be provided to them would be your name,address,phone and amount owed to the original account. They WOULD NOT have detailed information about what you ordered or where it was sent to. That information would have been with the original company that supposedly shipped the merchandise. This SMACKS of some kind of fraud, and an educated guess would be it was caused by somebody you know(that's usually how it happens..nice eh?) Family members are usually the first and most reasonable culprits. Ex-Spouses and or their new "significant others" are number one on the hit parade. Than, you have minor children that tend to pull this kind of stunt. The person that did this had access to your personal information, including your ssn, and/or drivers license or government issued i.d. Due to Homeland Security laws, in place since 2001, this information would have been required at the time the credit application was processed.
If I were you, I would also file a complaint with your State Attorney General's office against the agency that is attempting to collect from you.
You may also want to contact the Social Security Adminsitration and request a new Social Security number be assigned to you due to possible fraudulant activity,and breach of personal privacy.
I hope this provides you with some tools to work with, and I wish you all the best.
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#7 Consumer Suggestion

Advice

AUTHOR: Notindebt - (U.S.A.)

Donna -
I am currently dealing with a very frustrating situation concerning Midland Credit Management. They are coming after me for a debt that was paid many years ago. Lucky for me I have proof the debt was paid and have done extensive research and gotten good advice on how to handle this. So I'll share the advice and things I know that can hopefully help you. Check out Bud Hibbs' web site. You can google Midland Credit Management and find it. You can email him for free assistance. You need to send Midland Credit Management a debt validation letter. Google debt validation letter for good examples of exactly how to word the letter. You need to send the letter certified mail receipt requested. Midland Credit Management has to prove you owe the debt - that means a signed contract with the original creditor, itemized statements ect. Do not sign any letters you send them - who knows where your signature could end up! If Midland Credit Management cannot validate the debt they cannot legally report it to the credit reporting agencies and they have violated the FCRA. Bud Hibbs suggested I look into a consumer attorney and you can find one by going to www.naca.net. I called several of the law firms listed on the site today and some even offer free consultations (I'm in Denver). What Midland Credit Management is doing is not legal and there are fines for violating the FCRA - so you could get money from them. Which is why it's best to consult a lawyer. You can get started on your own by sending the debt validation letter. Keep a copy of it and all correspondence with Midland. Do everything in writing - do NOT have any phone converstions with them and keep copies of everything! If this debt is not yours they will not be able to validate it and you have legal rights!!! Midland hired a law firm that served me with a court summons on the debt I don't owe and when I told that to a consumer law firm today they felt I could handle it on my own since I have proof the debt was paid......until I mentioned that Midland had put a negative remark on my credit report. Then they said I would need a lawyer to help get that off my credit report. The costs of the lawyer will come out of the fine that Midland owes me for violating the FCRA. So I shouldn't be out any money to fight this and win!! I can't say here what I really think of Midland Credit Management except that they do things that are not legal and hope that the average consumer is not informed about their rights and the law. Trust me when I say I know how stressful this is - I was a wreck when I was served with a court summons and the thought of having to pay a debt I don't owe!! You have legal rights and can win - fight this!!! Good luck!
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