T Mobile Midland Funding Collections Trumped up late fee and contract cancellation for less than 30 days use Vista Nationwide

Dear Midland Funding LLC. , REGARDING TMOBILE

I am writing to your company on behalf of account # mcm ******0633 original account number from T-Mobile account # 715563903

The purpose of this letter is to tell you your options and remedies for settling this account of trumped up, made up debt, that you were suckered into buying. I also did not appreciate your sneaky collection letter that offered settlement and account be reported not paid in full or satisfied. Does anyone review your letters before sent out, or is this another bait and switch tactic T-Mobile uses on its own customers?

This account is about 6.3 years old; I have the original letter of collections dated 10/18/2008 which will be presented to all three credit reporting agencies, Trans Union, Experian, Equifax, and Lexis Nexis on the expiration of debt.

I also still wanted to address the debt for your information so your company not buys anymore lousy accounts from T-Mobile. Its financial loss, mostly, I presume. T-Mobile is not BBB accredited. T-Mobile is also ranked on internet by 23 million unsatisfied users.

I opened account on October 2008. I never received first bill, due to fact I was in a middle of their billing cycle. I was told by salesman that you may not be billed until 45 days later. False, I was billed $45.00 dollars within 10 days but they did not send bill out because I am supposed to be responsible and know how much I owe, and where to make payment. I do not worry about bill, because it was less than thirty days. False, my first bill was received November 23^rd 2008 showing a past due amount of $90.00 which included a $45.00 late fee. I immediately called customer service and explained situation.

They did not care and would not refund late fee even though it was clearly they’re fault. Late fee also was excessive at 100% of bill; I called ten times more, and spoke to other people and manager/supervisor 4 times. According to their response their company did not allow them to adjust account ever. I was furious. I immediately went to Cricket and have been very happy with service ever since. I have over the years told friends, family and strangers to not do business with T-Mobile, Bank of America, and AT n T. Other bad companies which make money through fees, rather than legitimate business dealings.

I have been harassed by your collection company, periodically in spurts from twenty phone calls for a couple of weeks and than two month rest, and cycle repeats again and has gone on for 5.8 months. Every single time when I did answer, they read a script to me about collection and not one would ever listen to my complaint. I was treated very poorly by all your staff; I have no incentive to pay because of harassment over the years, Its