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About SophieB

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  1. I had a slightly similar issue but with a different company. But I used the Consumer Financial Protection Bureau web site ( and lodged a complaint. I received a written response in 15 days that also included debt validation (companies are strongly encouraged by the CFPB to respond to complaints within the 15 days. So, if I were you, I would file a complaint against Midland via the CFPB, and tell them that you received their pre-legal letter but did not recognize the debt. I would include that you tried their call center within the 30 days outlined in their letter and they refused to provide the information that was promised in the pre-legal letter. The nice thing about the CFPB is that you are taking your written dispute to Midland, but it's like the government is looking over your shoulder and making sure that Midland is behaving. If you ever have to go to court, the fact that you documented your issue with the CFPB and received a written response from Midland, might be helpful. Just be careful in what you write in your complaint -- while you can use Midland's response against them, they can use what you write against you, too. I would be vague about the debt and focus more on Midland's communication. Something like you were confused by their letter, tried their call center (include date/time and other details of the call) to get the information promised in their letter, and was met with stonewalling. I would also upload their letter (it doesn't have to be redacted as it will not be made public) as part of your complaint. Hope this helps! Good luck.
  2. Thanks for all the responses. My only communication has been written (in the form of DVs) and only with the collection agencies. In my DVs, I include this line: "I also revoke any prior consent to call my cell phone for any reason." I am not interested in sending a Cease & Desist for all communication because I actually like to receive written communication from the CAs (I have received some strange correspondence that I think may be helpful to me when I eventually get sued). It's just that the numerous cell phone calls are annoying and I was hoping that when my account moves from CA to CA, they would pass along all my communication and they would take note that prior consent to call my cell phone has been revoked. I guess that isn't the case.
  3. Hello -- I am now on my 3rd collection agency for the same debt. In my previous communication with a prior collection agency, I have revoked prior consent to use my cell phone number, which they respected (I'm not exactly sure how the original creditor got my cell phone number in the first place, but whatever -- revoking it in writing worked). However, I am now getting numerous calls to my cell phone from this new collection agency. Do I have to keep revoking prior consent with each new collection agency? I thought that if I did it once, it would stay on my file and I would not have to explicitly keep revoking it. The original creditor has remained the same. I have to send them a debt validation letter anyway so I can include language revoking consent, but it's annoying that my cell phone is going to keep ringing incessantly until they receive the letter. Any thoughts would be appreciated. Thanks in advance!
  4. Thanks so much to all the replies. I read a post on this site about the value of being organized, so I spent this weekend sorting through all the documentation and constructing a timeline and case summary. This exercise was extremely helpful as I found a few more holes and errors in the JDB communication to me. I located a local attorney that has won cases against JDBs and plan to contact him for a "free evaluation" of my case (no harm, no foul - right?) I haven't been sued over this (yet), but I think it's best to have all of my ducks in a row for when that day will come. Anyway, thanks again!
  5. Thanks, Harry, for your response. Yes, I intend to safely keep all the documentation. Since the debt collectors seem to be relying on the one set of 12-month statements for their "debt verification," do you think it would ever make sense for me to send them a copy of one of the contradictory statements to swat back their collection attempts? Or do I just wait to be sued and then present the documents as contradictory evidence? [EDIT: To clarify, the first JDB is the one that sent me the two contradictory sets of statements. I guess they gave up and have since sold to the next JDB. It does not seem clear to me that the 2nd --and current -- JDB has ever seen the 2 different sets of statements]
  6. A few months ago, I received a dunning letter from a JDB telling me that B of A had sold them a credit card account in my name, owing between $10k and $15k. I sent them a letter requesting debt validation. I received a large packet of billing statements for a 12 month period. What is strange is that for each month, there were two separate sets of statements. One had a debt of between $10k and $15k and the other had a debt between $1 and $20. Each set of statements looked the same and legitimate with the B of A logo, normal credit card disclosures, same account #, same name on statement, etc. The only thing different between the two sets were the vastly different amounts. The next thing I know is that this account was sold to another JDB. They also sent me a dunning letter. Again, I asked for debt validation. This JDB sent me a set of 12 month set of statements (for same time period as first JDB), but only the set that showed the debt owing between $10k and $15k. I really have no idea what to make of this. Has anyone else experienced this situation where the debt validation provided is so dramatically contradictory?