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Midland Credit Management - Has anyone been ripped off?

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is the midland credit management collection agency




I would attach a copy of it to your FOAD. Do not fill anything out on it.

Sub: #71 posted on Wed, 01/28/2009 - 11:30

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HOW DO I KNOW IF THEY RECEIVED MY PAYMENT EVERY MONTH ?

Sub: #72 posted on Fri, 03/13/2009 - 09:44

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The only way to be sure would be to send them CMRRR

Sub: #73 posted on Fri, 03/13/2009 - 09:55

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i disputed an account on my credit report for a wireless phone bill handled by midland credit. I sent a certified letter asking for validation of this dept. they called me back 6 weeks later saying in ohio they if i fail to ask for it within 4 weeks they dont have to give it to me. can i do anything about this?

Sub: #74 posted on Mon, 03/16/2009 - 09:32

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JUST CALL MIDLAND CREDIT MANAGEMENT, INC.'S COMPLIANCE ANALYST AND GIVE THEM BACK THE HELL THEY GIVE YOU:

MICHELLE LUSK (858) 569-3963 - DIRECT LINE
(michelle.lusk@encorec apitalgroup.com, [email]michelle.lusk@mcmcg.com[/email ])

OR HER ASSISTANT:

BRANDON BLACK (800) 282-2644 EXT. 5316 (brandon.black@encorec apitalgroup.com)

Sub: #75 posted on Tue, 03/17/2009 - 18:26

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its been about 2 weeks since I've paid off by debt to them and they've already cashed my check but how do I take them off my credit report and how long does it normally take?

Sub: #76 posted on Tue, 03/17/2009 - 23:01

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I just have one question, my wife had a collection. It was from 2001 and the amount was only the interest that was incurred. It went to collections and eventually to MCM. I just got off the phone with two people, a Mr. Sandy Costello and after receiving intimidating and rude treatment, I spoke with his manager Mr. Vincent Williams at 1.800.265.8825 ext. 2306. I'm pretty sure these aren't their real names. But none the less Mr. Williams stated that he will correct the customer service issues I experienced then proceeded to treat me the same way. When I asked for his supervisor, he laughed at me and said he was the highest person there. Anyways, my wife's issue began in 2001. In California, the SOL i understand is 4 years. She took steps to get it off all three credit reports and it was removed. He basically told me that the SOL was up in 2005 and while there is no legal action that they can take, he feels that we have a moral obligation to pay it......uhhhh.......not after the way he talked to me. Anyways, the SOL is up, by HIS own verification, and it's been removed from all three credit agencies. Is there anything else we should do? MCM isn't even on her report. By the way, he actually threatened me with the fact that he was recording this phone call and wanted to know plain and simple if I was not going to pay it and that it would be recorded. I told him that I would get back to him. Any suggestions?????

Sub: #77 posted on Thu, 03/19/2009 - 14:08

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I have had 2 accounts through Midland which were actual accounts that I had once had and had been sold to them apparently. Anyways, I paid one off and later received a notice that I could settle and pay half of the other. I responded via phone and of course got to speak to Tom, Dick, Harry...or whatever his name was. Well, to make a long story short, they said that that offer was no longer valid (even though it had been like a few weeks and the letter said nothing about a deadline). I have been sending in payments (small ones) on this account and it takes them FOREVER to cash the check and they never send me a new statement....what is up with that???

Sub: #78 posted on Tue, 03/24/2009 - 18:29

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I've got MCM on my sh*t list....they sent me the "offer to pay with these 3 options" letter like others mentined, but it doesn't sound like every one else noticed that it doesn't say anywhere on the letter about the "you have 30 days to dispute this debt in writing" disclosure that is required my law....1st offense....

Then I sent them a DV letter anyway, they ignored it. Then 60 days later I sent a Pay for Delete settlement letter, they ingored that too. So now I have disputed their entry with the CBA's and MCM has "verified" the debt with TU and not with me...second offense.

I'm waiting for my EQ and EX reports to come back and then I'm drafting a very pretty letter for their legal dept to look over :) any suggestions?

Sub: #79 posted on Wed, 03/25/2009 - 06:08

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i am reporting your company to the attorney generals office for harrassment you call several times a day and dont leave a message from a blocked number i know its you once i talked to one of your reps and they said it was your company i dont know know how you got my number and have denied the account in questions for years and it is stated so on my credit report you need to stop harrassing me and calling people and not leavomg messages

Sub: #80 posted on Fri, 04/10/2009 - 16:48

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