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Midland Credit Management Scam - Is it really a scam?

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midland credit management is a scam. They sent me a letter saying I owed them money for collection on a card I have never even owned. I checked my credit report and this card is not even on the report. They are preying on people that will send them money when no such debt exists. BEWARE!




Midland Credit management are inquiry on my credit report without my permission and still reporting a bill but on different origination dates!!!! They have been my toughest credit to clear my credit and they are not being easy.When I ask for validation for the bill, all I got was a new bill but do details and they demand my contact number or else....They so full of crap!! I wish the goverment would get on these predators!

Sub: #41 posted on Mon, 07/12/2010 - 06:28

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Quote:
Originally Posted by Anonymous
Midland Credit management are inquiry on my credit report without my permission and still reporting a bill but on different origination dates!!!! They have been my toughest credit to clear my credit and they are not being easy.When I ask for validation for the bill, all I got was a new bill but do details and they demand my contact number or else....They so full of crap!! I wish the goverment would get on these predators!


how about going to NACA.NET and finding a consumer/contingency lawyer and go after them.they are begging you to sue them.go to that sight,and oblige them.

Sub: #42 posted on Mon, 07/12/2010 - 07:19

paulmergel paulmergel
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(Posts: 15514 | Credits: )

Quote:
Originally Posted by Anonymous
It's interesting to read these posts....I told "Simon" I would not pay anything until I investigated further. This outstanding balance he is referring to was paid off several years ago at JCP. But he states there is still a balance of $491 and my limit was not that high at the time I had the card several (?10) years ago. He said it was charged off in 2006 by JCP....so should I contact Penney's?
They call every morning while I am at work and wake my mother who is elderly and the phone is in her name.....Is there anything I can do to stop this?



dude, i just got the same exact call...it was charged off in 2006, now it was sold to them in 2008 and now they are collecting the debt and that they started reporting to all three credit agencies june 15th. I actually just pulled my credit report three days ago, it and it was not there. I let them know of this and then the woman said, well we only report to one agency and that i must have checked the wrong one.

When i said that i was not going to give out any information over the phone and asked for their number so that i could call back to make sure that i was dealing with a legitimate company the woman on the phone said, why should i give you the number? she gave me a number, which is different from the number i have seen online from pepole who have had to deal with these people. but the said i owed basically the same amount of JCP.

Sub: #43 posted on Wed, 07/14/2010 - 17:06

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It is a scam. I just received a letter saying i owe $650 on a target credit card. I've only had 2 credit cards in my life, and target is not one of them. I called target just to verify and surely they didnt have me on their records. I just got off the phone with MCM and told them they better stop sending notices. They had my name and address correct, however the last 4 numbers of my social were incorrect. The person i spoke to was just trying for me to give him my actual information, but after threatening him that I would take legal action against MCM, i hung up the phone.

Sub: #44 posted on Thu, 07/22/2010 - 16:22

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For weeks I have been receiving calls looking for somebody with my relatively common name. The calls were daily and sometimes I was asked by a recording to wait for a representative. I always asked why they were calling, but they wouldn't engage unless I verified I was the person they were calling, which I would not to an inbound caller.

I contacted my carrier's Nuisance Bureau and asked if these calls, which seemed to be coming from Mumbai [India] could be blocked. The carrier said offshore calls cannot be blocked.

Out of frustration, I cursed the callers and all of their ancestors, but the calls kept coming. Next, I told them to hold while I linked in the local FBI field office, but they clicked off. They seemed to have no respect for US law. Next, I tried to make it fun to take their daily calls by activating a "fart" machine into each call, but the calls kept on coming.

Now this evening, I told the caller that I was a guest staying at the house and would tell my host of their call if could get their name and they said, "MCM." My web search on "MCM" found this forum and I am completely baffled by these calls now.

I am baffled because I have a FICO score over 800 and clearly have not ignored any debts. Yet, it appears that a listed company like Midland, a wholly owned sub of Encore Capital [Nasdaq: ECPG] can hound anyone at any time under the pretense of debt collection. I am afraid to become proactive because of my strong credit standing and reputation in the community. My lifelong policy is to not divulge any personal data on inbound calls.

It seems like I should have the right to take MCM/Encore into the low post for disrupting my household for weeks for no bona fide reason. Encore has a market capitalization of $470 million, so they would make a tasty target, but on what grounds? Any legal eagles out there?

Sub: #45 posted on Sun, 07/25/2010 - 23:55

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They sent a collection noticed or debt reduction offer to and OLD address I lived in back in 1995, with my old Legal name for an account that never even existed. this is a scam.

Sub: #46 posted on Tue, 07/27/2010 - 10:35

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I have a question about this company, I defaulted on a CC that had a bal. of $196.00 and it was sold off to MCM. Now my credit report shows tha the CC company reported it and did a charge off, and MCM has also reported on my credit report in the bal. of 627.39.
My question is: are both compaines allowed to report the same with different amounts? If so that doesn't seem fair to me, to get a double whammy from both. Any advice?

Sub: #47 posted on Thu, 07/29/2010 - 13:06

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I just received a call from Midland Credit Management today and they told me I had opened up an accout with Goodyear/Cititbank 10 years ago. They said they had my correct address and my SS#. When I informed them that I have never opened any accounts with these companies they tried to tell me I did and told me when I made my last payment. I asked them what addresses did they have on file for me dating back 10 years ago. Every address they gave me was incorrect. They did ask me for my last 4-digit SS# but I told them to give me what they had on file. No surprise to me, that SS# did not match mine and the caller immediately hung up. THEY ARE A SCAM. PLEASE BEWARE!

Sub: #48 posted on Sat, 08/21/2010 - 22:00

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These vultures started calling my house recently calling for my mother who is in a nursing home. They have repeatedly called and rudely insisted that I give them my mother's contact and other confidential information which as I understand it is a direct violation of federal law. Silly me but I think the whole nasty bunch need a good old fashioned a$$ kicking...

Sub: #49 posted on Tue, 08/24/2010 - 08:15

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Scam or not. Do not ignore these calls and collection letters. Midland can and does sue. They do this because they make a ton of money that way. The debt is purchased for pennies on the dollar. Once it goes to court 99% of those sued simply never bother to defend themselves. Wrong move.

Learn the proper way to answer the suit and how to send interrogatories, and request for documents during the discovery phase. They must prove in court that they have the right to collect money from you. This requires a contract. Chances are very good they dont have one. The only way to find out if they do is through the discovery process if they sue. If you ask for it then they must provide it.

If you send a C&D letter be prepared to be sued.

Im not a Lawyer. I dont even play one on tv but I have learned a tremendous amount over the years. Ive been sued twice by these folks. The first time they didnt bother to show up at the court room on the day of the trial and the second time they dismissed the suit one week before the trial date.

Sub: #50 posted on Sat, 11/27/2010 - 14:39

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