Midland Credit Management - Has anyone been ripped off?
Midland Credit Management Inc. offers services related to debt collection and information management. 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 spoken about the CA.
- Sending letters at the wrong address: A consumer went through an embarrassing situation when Midland Credit Management Inc. sent a letter of settlement to his relative's address thereby making the relative aware of his financial problem.
- Harassing letters: One consumer has reported that Midland Credit Mgmt Inc. sent her a letter asking for payment on an account, which was opened in the name of her grandmother who died several years ago. The consumer lived at Missouri while her grandmother's home was in Illinois. Moreover, she knew for sure that her grandmother didn't owe any money to a creditor when she passed away. Her grandparents didn't have credit cards or loans in their names. The consumer tried calling Midland Credit Mgmt Inc. but the representative was very rude and hung up the phone when the former refused to give away personal details.
- Filing judgment for old debt: One consumer was served a judgment from Midland Credit Management Inc. for an FNCB (First National Community Bank) debt which he had paid off long ago. The consumer never received any statement from FNCB. He paid online as long as the website worked. He didn't receive any correspondence from Midland Credit Mgmt Inc. prior to the judgment and got quite confused as to why he was sent a judgment order.
- 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 said to harass consumers asking them to pay off accounts without sending them a statement of the bill. They often insist that consumers pay off their bills on phone and not through certified mail.
How to deal with Midland Credit Management Inc.
If you get a call from Midland Credit Management Inc. and you're not sure whether you owe the debt, send them a debt validation letter requesting 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 it off. If you're unable to pay off the entire balance, you may negotiate a debt settlement with Midland Credit Mgmt Inc. For further information, check out the tips on how to deal with debt collectors and dispute your account with them.
How to contact Midland Credit Management
In case you need to contact the collection agency to dispute your account, or request a settlement, you may send a letter at the Midland Credit Management Inc. address given below.
Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019
If you'd like to discuss an account dispute, you may call Midland Credit Mgmt at (800) 825-8131 ext. 2980.
Related Forum Discussions
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#2
03-15-2006, 02:16 PM
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Sub:
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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#3
03-15-2006, 02:17 PM
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Sub:
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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#4
03-15-2006, 06:32 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.
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#5
03-30-2006, 06:15 AM
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MCM
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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#6
03-30-2006, 08:59 AM
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Eric,
Have you requested for debt 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.
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#9
08-14-2006, 01:58 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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#10
01-02-2008, 02:06 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.
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#11
02-04-2008, 09:19 AM
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collection letters
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!
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#13
02-19-2008, 10:11 PM
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Fight Midland
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.
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#16
03-27-2008, 02:48 PM
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Midland
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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