Midland Credit Management - Has anyone been ripped off?

hey everyone... i have had a quite a few accounts come from midland... all originating from verizon. i have to say, i've never had a problem with them... they call i don't answer unless i have the money for a payment. but last month, after receiving my tax return, i called them and settled 2 of my 3 accounts and when my credit report was updated the begining of this month, they were marked paid and my credit score acutally raised 14 points, just by paying off midland. so from my expierence, yes they are annoying (but aren't all debt collectors) but reputible.

I received a collection letter from Midland Credit Mgt. listing the original creditor as Bank of America. I have never had any type of account with BOA.

When I called Midland to see what it was about, the representative asked for my Social Security Number and I refused to give it to her. She then either hung up on me r or we got disconnected. That's when I decided to check their reputation and/or legitimacy.

Thank you for the suggestion about sending them a debt validation letter. I will do that today. What is my next step if this is a fraudulent account someone set up using my information?

Yeah these people use old consumers accounts info and that has been paid off already and they reroute a settlement letter asking you to pay it off with like 90% off the original bill but its a ripoff cause they take advantage of people's info and use it for their selfish gain and I think these people should investigated and prosecuted.....CROOKS! =(

Yeah these people use old consumers accounts info and that has been paid off already and they reroute a settlement letter asking you to pay it off with like 90% off the original bill but its a ripoff cause they take advantage of people's info and use it for their selfish gain and I think these people should be investigated and prosecuted.....CROOKS! =(

they called me demanding pmt on a bill that is past statuts and that ws settled 7 yrs ago why are they callen me and demanding pmt i ask for cerdentials and they refused to pervide any of them they would not give me tax id or there sec of state id they didnt even have the name rite on there act dont know if they had the rite ppl or not we know of target but dont know if we still are sayd to owe this bill or not they would not send me an invoice

bull shit guy it takes 6 mts to get off ur credit and most ca dont report to collection ag any way Quote:

you are from midland, obviously. Give it up midland, nobody cares about people calling who are ruthless thugs and liars.(from other countries who cant speak English and think they don't have to go by American law) These guys are some of the most underhanded people Ive ever had the displeasure of having contact me. What an UN-professional company, if they can even call themselves that legally.

This debt was done with and now they are coming back at me for money and taking it out of my wages! This is really messing with my credit and it is an debt that was taken care of log ago. I did try to talk to these people and I may as well be talking to the wall. I feel this whole thing is a huge rip off because they are failing and grabbing money from where ever they can- even illegally. What can I do?

I want to file a lawsuit against MCM. How do I do this? They garnished my wages for an account that was paid off in 2006. PLEASE HELP ME!!

What is the number to contact midland funding LLC. ?
Thank you

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Midland crdeit managment is trying to take all my money to collect from my girlfriend this is not fair what should i do? 1-417-326-4248 Joshua Lindsey

midland has an account rec. company at 248 554-0787 and they are very nice and helpful

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these dirtbags refused to validate..sued me..coulndt prove in court,case was dismissed and they are STILL reporting to all 3 bureaus!!and the bureaus refuse to remove .....tired of this!!!!!!!!

Do they have a FAX number to fax the "Debt Validation" request?

ccasions 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.[/QUOTE]

If they get a judgment against you, start paying a certain amount per month(check with a business lawyer to see what else is needed to prevent execution of judgment) so they aren't able to garnish or freeze accounts.

In my work at my last DS company, I did notice MCM filing a noticeable amount of lawsuits.

Send a Cease and Desist, fax it into them(getting a collector's fax number can be tricky, you have to make them think it is information they want, personal budget, etc..) That will get calls to stop.

If they file suit, you need to talk to an experienced professional in the industry or a lawyer to determine the best way to move forward. There are strategies for dealing with this, so don't feel hopeless about it.

MCM is a criminal predator. They call 4-8 times per day with an unavailable number, are very rude, and make high accolades in "The Ripoff Report". Soon, there will be a website designed to, "Harass the harassers". I suggest we all pick up the phone, and call them all day every day, for no apperent reason other than to make them pay the 800 charge over and over again, and to distract the callers from calling anyone else. Give them a taste of their own medicine. See how they like it.

MCM's real number: 800-282-2644, call all day every day. Play a good game of time monopoly with them. It's fun!

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Today MCM garnished my mother's checking and savings account without sending her any documentation that they were doing so. Can they legally do this? The original debt was back in 2000 and was owed to a company that went out of business years ago. What can my mother do to get her money back?

Well I had an account that is past the statue and I just asked for a updated credit report. I guess Midland(bought the old account a few years ago) got my new number from that. I had just updated my address and phone number to get my credit report. Now I am getting calls daily from Midland!
I have also had someone knock on my door twice in the last two days. I live in a secured condo and they can't get in but they can ring someone else to let them in. I guess someone let them in as they knocked on my door. By the time I got there I saw another tenant walking up the steps and someone else went out the door. Couldn't see who it was.The day before someone knocked on my patio door but again missed them. They were gone by the time I got there.
Has anyone had Midland call on them at their home is my question? And how can they garnish your account if they don't have a judgement against you? I watch Casenet and have not seen where they have obtained a warrant.. So far I have only talked to them once and told them I had no idea what they were talking about.I have NOT acknowledged the debt.
I also refused to give my SS number to them and hung up.
My question is have they ever knocked on anyones door?
It is a big coincidence as no one ever knockes on my door..ever. They call me first if it is a friend or family.

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Reading all this is extremely aggravating.

• First of all, everyone needs to pay their bills. Which they don't. Unemployment/ disabilities/ old age/ divorce/ ID theft/ incarcerations. You name it, we hear it. We get it. Human conditions. What no one understands is, that the basic law of credit means, take something in your hour of need and then pay back when you can.
  

• Second, has anyone ever thought of how a debt collector gets harassed on a regular basis? I'm not complaining, I get paid for it. However, we get treated like dirt. We work for a debt collection company. We get scammed by atleast a hundred, if not more, people who are stalling paying their debts off. So, even if you're a genuine case and you cannot pay on your bill, we're humans too. We have our moments of ambiguity and frustration also.
  

• Third, if you're in the process of filing for bankruptcy, till the time you do not have a valid case number, the account is open for collection. So, you can either work with the debt collector by keeping them updated on your bankruptcy sessions and all; or you give them your attorney's name, number and case number. They're not going to reach in through the phone and bang your heads against the table if you tell them properly what the situation really is.
  

• Fourth, a check cannot be garnished without the consumer's consent. Let me tell you why. Once the details are acquired from the consumer, the CRM (consumer relations manager; the tool used to work on) fills in x's where the numbers are. So, all you see is the routing number. Which is required for bank verification (which our paying consumers are very well informed of). So, kindly check your facts there.
  

• Fifth, if you have paid on an account already, a dispute is in order. All you need to do is find the receipts of the payments you made. Now, since most of these are old accounts, there is a good chance you misplaced the receipt. Fax/ mail in a dispute letter to the consumer relations site. It will be taken care of. Also if you are disputing stolen identity, please file a police complaint and and fax/ mail a copy of it. Its a company, it has its procedures to follow as well.
  

• Sixth, Agreed that there are a few representatives who do tend to call continuously. All these calls are recorded as is stated in the Tape Disclosure for all of these calls. These representatives end up losing their jobs. The company is very strict about sticking to the FDCPA (Fair Debt Collection Practices Act) rules. Any form of harassment, they're staking their jobs.
  

• Seventh, Midland Credit Management is a Debt Collection Company. This website needs to get its facts right. It's a registered Company. Not an Agency. They're big on settlements and payment arrangements. All accounts are then reported as Paid In Full to the three major credit bureaus. The number you can reach MCM on is 1-800-265-8825.
  

• Lastly, I'm sure you're all going to hate me for this, BUT I have to do this anyway. Just so you all step into our shoes. About the payments through your checking accounts or your cards. There are two cases here.
  

i'll have a good one when i say this.

shillin,shillin,shillin.keep them shills a shillin.as wally in the comic dilbert once said."there must be a thousand ways to say the same thing".nothing you said is close to true as no judgement,no action is done on the up and up.so while i will delete the number as you don't deserve calls.as far as proving your point.if that was a fillibuster trumpeting the bottomfeeder you work for.then point made.

How do you get MCM - Midland Inc to stop calling when they have the wrong number/residence? They continue to call and ask for a "Steve". There is no Steve in our home, nor do I know who Steve is (I am female). They call and hang up on me - then call back again and again. One caller threatened me, telling me he was taping my call and was going to turn me into the IRS, because I was lying about Steve. I told himr to go right ahead, and then I hung up. He then called me back. This is so unprofessional for any company. We are registered in the Do Not Call Registry, which I have told them, but they continue to call.

[QUOTE=Anonymous;744664]Reading all this is extremely aggravating.

• First of all, everyone needs to pay their bills. Which they don't. Unemployment/ disabilities/ old age/ divorce/ ID theft/ incarcerations. You name it, we hear it. We get it. Human conditions. What no one understands is, that the basic law of credit means, take something in your hour of need and then pay back when you can.
  

• Second, has anyone ever thought of how a debt collector gets harassed on a regular basis? I'm not complaining, I get paid for it. However, we get treated like dirt. We work for a debt collection company. We get scammed by atleast a hundred, if not more, people who are stalling paying their debts off. So, even if you're a genuine case and you cannot pay on your bill, we're humans too. We have our moments of ambiguity and frustration also.
  

• Third, if you're in the process of filing for bankruptcy, till the time you do not have a valid case number, the account is open for collection. So, you can either work with the debt collector by keeping them updated on your bankruptcy sessions and all; or you give them your attorney's name, number and case number. They're not going to reach in through the phone and bang your heads against the table if you tell them properly what the situation really is.
  

• Fourth, a check cannot be garnished without the consumer's consent. Let me tell you why. Once the details are acquired from the consumer, the CRM (consumer relations manager; the tool used to work on) fills in x's where the numbers are. So, all you see is the routing number. Which is required for bank verification (which our paying consumers are very well informed of). So, kindly check your facts there.
  

• Fifth, if you have paid on an account already, a dispute is in order. All you need to do is find the receipts of the payments you made. Now, since most of these are old accounts, there is a good chance you misplaced the receipt. Fax/ mail in a dispute letter to the consumer relations site. It will be taken care of. Also if you are disputing stolen identity, please file a police complaint and and fax/ mail a copy of it. Its a company, it has its procedures to follow as well.
  

• Sixth, Agreed that there are a few representatives who do tend to call continuously. All these calls are recorded as is stated in the Tape Disclosure for all of these calls. These representatives end up losing their jobs. The company is very strict about sticking to the FDCPA (Fair Debt Collection Practices Act) rules. Any form of harassment, they're staking their jobs.
  

• Seventh, Midland Credit Management is a Debt Collection Company. This website needs to get its facts right. It's a registered Company. Not an Agency. They're big on settlements and payment arrangements. All accounts are then reported as Paid In Full to the three major credit bureaus. The number you can reach MCM on is 1-800-265-8825.
  

• Lastly, I'm sure you're all going to hate me for this, BUT I have to do this anyway. Just so you all step into our shoes. About the payments through your checking accounts or your cards. There are two cases here.
  

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What's wrong with the MCM people, managers, are soooo rude and unprofessional. I can't count the times I called them about my settlement amount and that already have been zeroed in. Everytime I call MCM, is a "nightmare". I already called Michelle Lusk and left a message to call me back but never got a call back. May I please suggest to train these people to respect people who call them and willing to pay. I was a victim of cruel verbal disrespect and dishonesty by these people. Mr. Jeffrey Gladstone denied that he sent me a letter prompting me to pay more when I paid off my debt already. Miss Lusk, are you even aware of these terrible feed back, please hear us and do something. You are supposed to be an "Advocate" to people like us who paid off our debt. Hope the next time I call, at least one person is professional enough to address my concerns. Just few minutes ago, a certain Tyron just yelled at me several times. Please hear you recordings Ms. Lusk.

MCM are asses , they took my property tax credit 2yrs. in a row, for Fingerhut, which started their credit card type account that I never signed up for, and then sent me the balance of what was left . So I thought that it was over, right , now 4-5 yrs. later , they say that another $46.00 is still owed. The original account was closed with a balance of $471.00 , they took $1,300.00 of my money and now they want another $46.00. How can this be legal ? To take almost three times what was actually owed ? people should start some type of class action lawsuit against these jerks . There's nothing like kicking us poor folks when we are already down !!!

MCM is such a low life CA that they had the gaull to send me collection letters that said the benifits of paying them would be "We will stop applying intrest to your account". Instead of sending them money I made a copy of the letter and used it to dispute the entry they placed on my CR and it was deleted. Not long after that they closed my account. I don't think that worked out the way they planned it to. It was the best thing for them really. They sent me a dunning letter and I sent them a DV letter. They sent me a letter asking me to provide them with information to help them. Needless to say they got no reply from me. After that I have not heard from them again.

Late last year I got a letter from Capital Management saying they were " engaged to resolve your debt for Midland". I sent them a DV letter within the 30 day period. I recieved a letter that they did recieve my DV letter and that they have " requested the information from our client" It's been almost a year and I still haven't recieved my validation. Maybe the mail is just slow?????

My favorite is their workers from India who say their name is John, Suzanne and Harry!!! Really?

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Has anyone been able to work out a settlement with MCM? I wanted to call and offer to pay 30% of the debt but not sure how they would react.

I paid a debt to MCM a few years back, after I got married to my wife and she started helping me get my credit cleaned up. I have recently been receiving calls from them again for a debt I believe has been paid off. It is to HSBC for a credit card that i signed up for but never used. I had spoke with the CC company back when they were trying to collect and let them know I never used the card so they wiped the debt clean.I have chose to ignore the calls as they don't leave a voicemail or number. Today my wife received a threatening call that they were going to file a lawsuit against us and demanded validation information about me from her. After that I did some digging and got a number to call them back with and I spoke with Clara who appeared to be from the U.S. and not outsourced. When I gave her my phone number she said that she couldn't discuss anything with me because of a cease and desist order on the account.I'm curious if anyone else has run into this?

So i got a letter in the mail today from them saying i have some debt owed and need to pay. I called and they asked what my account # was and they were very rude and wouldnt tell me much. I read them the # on the paper and she asked my SS# and I wouldnt give it to her so she asked if these random numbers were my SS# and they were not so she said that she will remove my address from the system. Sounds like a load of crap but do you think i got myself in a hole by calling and she verified my address???

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They keep calling at all hours - in itself illegal.
They are looking for my wife - using her married name she had with her ex - MORE THAN 20 YEARS AGO.
Sometimes they'll talk to me, sometimes not - I'm her husband for the last 20 years. They claim to collecting for Beneficial Finance for a loan in 1998. That wasn't her name then, but she never had a load with Beneficial - ever! And WE never had a loan with Beneficial. 1998 - 12 years ago. That's way beyond Calif Stature of limitations and the Federal Reporting Period - even if it was real. It's phoney!
The 3 Credit Bureaus don't show anything about Beneficial.

Asking for proof of the debt only gets them to hang up or gets them to swear at me with threats. I have it on recording.

They finally sent a collection letter to the house - I've turned it over to the Post Office - that's Postal Fraud!

I've also talked to an FBI Agent - their harassing calls and threats are considered Terrorist Threats - using an interstate device (the telephone) makes it a Federal crime!

They are scammers from the word go! I hope to get some of them in prison soon.

They are calling my mom every morning and asking about me and i don't even know them and so im gonna right the attorny generals office and see what can i do....

Send MCM the police report for your fraud claim and they will stop collection immediately.

The tactics they use to find people's contact info is illegal and down right rude. Do not ever post your contact info on sites like Myspace, Face Book etc. You can change your phone number and some how they find you. Ok so having a phone automatically says you can call me? Wrong. I'd contact the FTC on this and get as many complaints flying around as we can. Also get a hold of your State's attorney general and any other law firms. These guys need a class action suit against them. I'd also get the national media reporters on this. The last thing these morons want is bad national publicity.

I was provided with a judgement against me for about $3,000.00 I did told the company that was not my balance and the judge ask them to prove the authenticity if such account. The Judge ask them to bring account statements and signed contract of the account, also he requested to show the last payment received on the account and the balance at the time the account was closed.
Midland Credit Mgmt Inc. didn't or couldn't prove this account was mind or wasn't able to show the requested documents. They didn't even show up at court, so the judge was on my favor and requested to have this account close and that no one was allowed to collect such debt any more. after it was remove from my credit report.
1. Dont let this Midland Credit Mgmt Inc. harass you. that is what they want.
This debt collector purchase your account for pennies and want you to paid the full amount
even though your credit report was damage already.
2.Let them bring you to court, but make sure you know you have been sue. This way you can
appear on court and their plan will be screwed. Normally this company file a law sue against
you but never let you know you being sue because if you don't show up to court, the judge will
give them a judgement to your savings account to collect the money. But if you show up, they
have to really show documents.
3. Record your phone conversations, event though they let you know you call has being
recorded, they don't want you to record, this is how they fix their recorded information to make
it sound against you. Send them a letter letting know when they can call you, dates and times.
by law as stated on the Fair Debt collection Act, you can even let them know you don't want
them to call you anymore in regards of such collection or any other collection.
I hope this was helpful, don't let this A hole get away by collecting something that already has being reported charge off, or close. ;)

So I just called this "MCM" company to find out more information about them. I want to know if they are legit. Does anyone know? They are telling me to make the full payment of what I owe and they will mark my credit as paid.

Check out what consumers have to say about Midland Credit Management from the given page:
http://forums.debtcc.com/forums/midlandcredit.html