October 8th, 2008 
Nichelle Earlier this evening, I tried to get some cash out of the ATM, but it said insufficient funds. I assume it could be low since so far this week, I have paid on my student loans and bought $40 worth of tights since it is now fall. I got home, watched the tail end of the debate, and then was about to retire for the night. Then I remembered to check my Citibank balance. I look at the screen in horror. There was $0.00 in all three of my accounts. Nothing, nada, zilch.
My voice was shaking when I talked to the bank representative. I thought it may be identity fraud, but I knew I had both my debit card with me and my checkbook. The rep told me that a restraining order has been placed on my account by Midland Funding. The attorneys representing them are Rubin and Rothman. They are in Islandia, New York.
Googling Midland Funding, I found several complaints on consumer sites like Rip-off Report, but no solution.
I found another person who lives in Oklahoma and a similar thing happened. The interesting thing is that their original creditor is Citibank.
I don’t know if I owe. I don’t know how much. I don’t know what for. Midland Funding apparently is a mortgage broker. I don’t have a mortgage. I live in an apartment share. I think it is a scam.
The henchman (AKA the lawyers are Rubin & Rothman). They have complaints as well on Rip-off Report.They are based in LongIsland in Islandia. There are several complaints about them as well on Pissed Consumer.
I did a “Whois.Net” on the domain name Rubinrothman.biz and the domain name owner lives in Rocky Point which is out on Long Island. 1and1 is the hosting site.
I will file a claim with the Better Business Bureau. I need a lawyer to make expedite the restraining order to be lifted. I want Midland Funding and all the shady lawyers who facilitate their scam to be thrown under a jail. Plus, Citibank should train their employees to be aware of suspicious companies and create a database that is reviewed regularly. Also, they Citibank should also tell their customers who put money into the bank when someone is taking money out of the accounts.
Consumer Complaint in Arkansas
Also, if the creditor/scammer is supposedly suing me because the debt has not been collected then it is “volenti non fit injura”. I guess this means that they cannot recover damages for an act that they volunteered for. (via Paul Exposes)
I didn’t find anything on Consumerist about Midland or Rubin Rothman.
By the way, this is the listing of the statue of limitations on debt by state.
It’s 3:30am, and I can’t sleep. I have $5 in cash, a monthly metrocard, and at least October rent is paid. I wish I could talk my mom and dad right now and they would tell me everything will be alright. I’ll call them in the morning, if I can go to sleep.
Noon. October 8. I feel like staying in my bed all day and watching shows, but I got up.
I emailed the situation to a reporter at CBS2 and she replied back with the number of the consumer reporter producer.
I called Citibank again, and a supervisor suggested that I file an exception with the state prosecutor’s office.
I called the law firm/collection henchmen and the woman who answered wanted my social security to look up my account. I would not give her that, so I hung up. I feel so compromised. I feel like I need a “financial rape kit”. The funny thing is that I have no money to pay for it.
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