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I have Midland reporting on my credit bureau reports a TARGET chargeoff. The account was charged off for 448. Midland is charging me 658 dollars to collect on this account. I emailed the CEO's of TARGET to see if they would call back the debt and let me negotiate with them since they probably already wrote it off as a loss, im sure they will work with me on some payment, even if it's 50% of the original chargeoff because i'm pretty sure MIDLAND didn't even pay 448 for the acocunt. They probably paid 5-10 cents on the dollar or something ridiculous.
I will update this thread once I hear back about this debt from TARGET and see where it goes. I HATE MIDLAND.
Keep in mind that Target Retail didn't issue the card. Their CEO doesn't deal with it, or even oversee it I wouldn't think. You'd have to target (no pun intended) the CEO of TD Bank since they are the issuers of that card.
Well that would technically be true, but the target card at the time was issued through TARGET NATIONAL BANK. TD only took over the card division a few months ago so they weren't the real players of the card at the time. I called target today to inquire about the collection account, only to be told they no longer have any of my information on file. I wonder if I dispute it and send a DV letter to MIDLAND if they would be able to validate this account.
I requested dv from Midland and mine was erased.
Hey Goosedog, any updates?