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Midland Credit Management - Has anyone been ripped off?



Midland Credit Management Inc. offers debt collection and information management services. It is a wholly owned subsidiary of Encore Capital Group, based in San Diego, California.

Consumer feedback on Midland Credit Management

Several consumers have shared their experiences with Midland Credit Management Inc. in the debt forums. Take a quick look at what they've said about this CA.


  • Sending letters to the wrong address: One consumer was embarrassed when Midland Credit Management Inc. sent a settlement letter to a relative's address, making the relative aware of the consumer's financial problems. Learn more...
  • Harassing letters: One consumer reported that Midland Credit Mgmt Inc. sent her a letter asking for payment on an account, which was opened in her grandmother's name. The consumer's grandmother had died several years ago, and the consumer was sure that her grandmother had not owed any money for a loan or credit card when her grandmother passed away. The consumer tried calling Midland Credit Mgmt Inc., but the representative was very rude and hung up the phone when the consumer refused to give any personal details. Find out more…
  • Filing judgment for old debt: One consumer was served a judgment from Midland Credit Management Inc. for an FNCB (First National Community Bank) debt that he had paid off long ago. The consumer never received any statements from FNCB and had paid online as long as their website worked. He didn't receive any correspondence from Midland Credit Mgmt Inc. prior to the judgment, and was very confused why he was sent a judgment order and not a summons. Learn more…
  • Harassing calls: Midland Credit Management Inc. repeatedly called a consumer regarding payment on a cell phone bill. When they were told that it was already paid off to another collection agency, Midland Credit said the SOL wasn't over and the consumer needed to pay off the account fast. The consumer had to pay the bill again fearing that Midland Credit Mgmt Inc. may file a lawsuit against him.

    The collection agency is also said to harass consumers by asking them to pay accounts without sending them an account statement. They often insist that consumers pay their bills on phone and not through certified mail. Find out more...

How to deal with Midland Credit Management Inc.

If you get a call from Midland Credit Management Inc. and you're not sure you owe the debt, send them a debt validation letter asking them to verify that you owe the money. If the CA provides you with enough evidence that you owe the debt, then you should pay the debt. If you're unable to pay off the entire balance, you should try to negotiate a debt settlement with Midland Credit Mgmt Inc. For further information, check out these tips on how to deal with debt collectors and dispute your account.

How to contact Midland Credit Management

If you need to contact the collection agency to dispute your account or request a settlement, you should send them a certified letter at the Midland Credit Management Inc. address below:


Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019


If you'd like to discuss an account dispute, you should call Midland Credit Mgmt at (800) 825-8131 ext. 2980.



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Anonymous
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Sub: #1 Midland Credit Management - Has anyone been ripped off?
Replied on 03-15-2006, 02:59 PM
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is the midland credit management collection agency

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Send message to Jessi
Sub: #2
Replied on 03-15-2006, 03:16 PM
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Midland Credit Management Inc is a collection agency
Their # is 888-403-6206
5775 roscoe ct
san diego, CA 92123 is the addy I have for them.
For more information look here.

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Send message to david
Sub: #3
Replied on 03-15-2006, 03:17 PM
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Midland Credit Management can be reached at 800-282-2644. This is the forum of debt consolidation Care and one of the threads here is discussing about MCM. You can also post your comments and views here and interact with us.

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Send message to imkimssister
Sub: #4
Replied on 03-15-2006, 07:32 PM
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I have an account with midland. Weird, the account was originally a fingerhut account. Then midland took it and hired Phillips and Cohen to collect it. I posted about this a while back--a collection agency collecting for a collection agency. weird but I have two accounts that are doing this. The other was a MBNA account and it went into collections to Hilco receivables, and now Phillips and Cohen are collecting on it as well.

Anonymous
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Sub: #5 MCM
Replied on 03-30-2006, 07:15 AM
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I have had calls from MCM, who has acted like they were KGB using hard tactics. A real joke to someone who has lost everything and been to jail. I tried to contact them, their address has changed in the past weeks. They want me to disclose more info than I prefer to, just to tell me what they want. I have found many, many complaints regarding Midland Credit Management online. The caller, obviously from INDIA uses names like Tom Jones, or Bill Smith... what a joke. I usually invite them over for some beef and tell them to call anytime. Fools.

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Send message to stanley
Sub: #6
Replied on 03-30-2006, 09:59 AM
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Eric,

Have you requested for a validation? collection agencies should provide debt validation prior to starting collection efforts. Send them a letter via CMRRR and also add one paragraph stating all communications should be through correspondence only.

Anonymous
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Sub: #7 midland credit management
Replied on 03-30-2006, 05:08 PM
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i had an account with ugly duckling auto sales...ended up fillink a bk .the car was discharged.u.d. turned into drive time,whome sold it to mcm.they wont give up even thow theres a bk.

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Send message to stanley
Sub: #8
Replied on 03-31-2006, 11:13 AM
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Was the account included in bankruptcy? If yes, they cannot collect it any more. You should consult your bankruptcy attorney about this.

Anonymous
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Sub: #9
Replied on 08-14-2006, 02:58 PM
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Midland is such a rip-off. I too had an account with Ugly Duckling, and an ugly duck is exactly what I got. I ended up giving it back to Ugly Duckling, who was bought out by Drive Time. Originally, it was listed as a charge-off and they never persued payment of any king - mainly because my complaint about the vehicle was legit. Now, Midland is holding the receivable on that account. They hound me like a dog and they won't accept any certified mail. Makes you wonder...HMMM




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Send message to good.nelly
Sub: #10
Replied on 01-02-2008, 03:06 AM
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yup validation of debt is very important....most of the CAs are bullies who try each and every trick of the book to harass innocent people. And the only thing that can bring these crooks on the right track is debt validation. Ohh yes, dont forget to send the DV via certified mail with a RRR. Once you send a DV to them you can be sure that they wont contact you. Even if they contact you they wont give you a proper validation of the debt. In such circumstances it is very important to know the laws and to fight back.

Anonymous
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Sub: #11 collection letters
Replied on 02-04-2008, 10:19 AM
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What can I do... Midland Credit Managment sent a collection ("Settlement Opportunity") letter to me, but to a relative's address. The relative opened the letter (not expecting any mail for me - just blindly opened the envelope without looking at the name, innocent mistake). I do not live at that address! Now I'm thoroughly embarrassed because they have intimate knowledge of my financial difficulties!

Anonymous
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Sub: #12 MCM
Replied on 02-13-2008, 07:50 AM
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Ok guys, I'm having problems with MCM and read all your postings about what to do. But what is a "DV", "RRR" and what do you mean by sending a leter via CMRRR?

Anonymous
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Sub: #13 Fight Midland
Replied on 02-19-2008, 11:11 PM
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The way to stop Midland Credit Management is to send them a regular letter first. Request that they validate the receipt. Wait about thirty days and send them another letter again requesting the validation of the debt. They will never answer. The third letter send it via CMRRR (that is a Certified Mail Return Receipt Requested for those that wanted to know). This time state to them that you have requested in writing on two separate occasions that they validate the debt. Again..wait about 30 days. Make sure that all letters are dated the day you send them in the mail and keep copies of them. Once you get the Return Receipt back from the post office and have waited the last 30 days. (90 days from start) now it is time to talk to the credit bureaus. Send a letter via CMRRR to the credit bureau that shows a derogatory comment and request that the bureau remove the debt from your account that you have contacted Midland Credit Management on three separate occasions with no response. Enclose all copies of all three letters and also a copy of the Return Receipt. Within 30 days you should have a response back from the credit bureau that you notified that the debt has been removed from your account. Midland will never answer any of your letters. Do not call them, only write to them.

Anonymous
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Sub: #14 Address for Midland
Replied on 02-19-2008, 11:22 PM
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I forgot to give the address to Midland.

Midland Credit Management
8875 Aero Dr., Ste. 200
San Diego, CA 92123

Anonymous
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Sub: #15 MIDLAND
Replied on 03-25-2008, 11:54 AM
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I SUGGEST THAT WE ALL GET THEM OFF OUR REPORTS ASAP. SEEMS TO ME THAT THEY ARE RIPOFFS AND JIVERS.

Anonymous
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Sub: #16 Midland
Replied on 03-27-2008, 03:48 PM
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Ok. i was trying to get an apartmetn and these people showed up on my credit report and i have no idea who midland credit is? i am trying to figure this out. On my credit report, it shows that i owe them $340 or something. What do i do? i' don't even know where this company is from?

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