Midland Credit Management [MCM]
Reviews and Complaints

They have been calling me for the last several months and have gotten nowhere. These idiots always want me to give them information when they should have it and I pay every bill app to the last time that I have in my name. I check my credit consistently. So there's no way, and they should keep calling me. They're just a bunch of scammers trying to get over on innocent. People and I think anybody who has a problem with them should report them. These idiots need to get stopped!

Company filed a lawsuit against me during a global pandemic and won because I could not show up to court because I had a premature baby and we both almost died in the process. My son had a heart murmur, eyes issues and neurologist appts until he was 3 years. Now my paycheck is being garnish for credit card i did not incur. I informed the company that i was a victim of identity theft but they did not accept my response. There is no signature on any of the suppose validation of debt and I’m not understanding how the judge was ok signing that judgement.

2018 I open a credit card with a company, and had used the card for everyday expenses, due my hours being cut and the economy on the downward trend, I could not afford my payments, after a while I was contacted by Midland Credit Management, and had setup payment options, I was paying the set amount each month, I informed them that I would be sending 4 money orders for 4 months, so that as being on a fixed income, I would not have to worry about the amount, and could be a little more, later on, they applied the 4 payments for one month, and sent me another letter, stating where are the payments for the next month, by this time I was told that my payments arrangements where null and void, I called them and told them that due to a family emergency, I could no longer make the payments, and was told that I did not need to make the payments and would have a grace period, and not to worry about it, I received a letter today stating that if I did not have the whole amount on my card paid, it would go to an attorney, so much for empty promises

My wages are being garnished at the same time it's taking about 2 weeks to post to my account and within that time interest is accumalating and every time I call they give the same runaround saying we haven't received anything thing and we can take care of this now with a debit or credit card and anything sent to us from your employer will be refunded! When? Two,3 weeks later or longer but at the same time interest will continue to build so they get more money then what my debt actually was,it just seems to sketchy they're all about pay pay but let's not see what we can do for you,not right at all!

I have Three debts with midland, I am on the verge of filing bankruptcy. The first account I tried to negotiate, I offered half the total bill which I thought was fair considering, as a said I am about to have to file bankruptcy. I would think they would be willing to work with me verses bankruptcy? I was willing to pay with my debit card today on the first account and then hopefully make arrangements for resolving the other two. When my offer was rejected, I was then told to have my lawyer contact them when I did file for bankruptcy!

My email
[protected]@icloud.com

I'm very disappointed MCM this company is not a good company to do business with at all I placed my order on November 11, 2021 for my daughters birthday, I placed the order online but the color that I picked which was the gold I didn't get the gold I got the black so I had to returned it I called them back just to change the color they couldn't even do that so I had to wait until I received the belt just to return it I've been returned it may be a month now and still no refund . I return the belt around 3 to 4 weeks ago no credit was applied no one called me or I did not receive a email from the company about processing my return, so after waiting for a couple weeks I decide to call the company today to ask is going on with with my return the customer service rep told me that always Christmas time they're very busy what that have to do with my return my money that I spend with you guys not only that I ask to speak with a supervisor she placed me on hold for over 15 minutes and never came back ….. I had to disconnect myself from day one this company disappoint me they're just organize it's not professional I'm very very very disappointed

Would like to resume communication with Midland creditor to receive information on file 17-323053 this was a fraudulent account that was opened up in my name would like to have more information on this account and and validation that it was paid off I would also like to keep fraud alert active

I have tried on numerous of occasions to first, find out what debt this is; secondly, educated to them that this was caused by Identity theft. I have produced countless letters from the Bank itself as well I mine, to include a claims submission in the regards of " Midland Credit Managemnt, Inc Telephone Consumer Protection Act Litigation Settlement.

I was robbed at a gas station in Blue Mtn, KY (police report was filed) in 2007. From there, my banks accts were taken and numerous of accts and credit cards were opened in my name. All were dismissed, closed and fraud alerted; except this. I have proved time and time again that this is a fraudulent account. I was divorced in 2004, and closed every credit card down that me and my spouse had as well as any joint accts. I bank with one bank and have been since my return to the US in Jan of 2003. This company and Messerli have REFUSED to tell me what this is, (either an acct opened or a credit card) REFUSED to provide documents, but only have said this is a Bank of America deal. I have called Bank of America and have letters stating I have NEVER had an account or credit cards through them. They have SENT letters to me as well as to Midland Funding, LLC and Messerli. They BOTH say they have never recieved. Last year, they literally garnished my bank acct, and my daughter's, I had to fight to get that back as I am a single parent, and that had funds for rent, bills and food, (see Claim of Exemption letter). I have resent NOTARIZED papers they have sent me regarding the fraud acct, as well as the letters from the bank. They are now trying again to garnish my pay on something that IS NOT MINE, never was.

This is harrassement, added stress, has my job in jeopardy, these are the points that red flag this:
The second page that has the notary signature says "that judgment has been entered".
-Has a court judgment been made?
-South Dakota Codified Law 21-18-3.1 states that "Garnishment prohibited before judgment. Garnishment prior to obtaining final judgment in the principal action is prohibited."
-The document has a Court File No. however there is no indication that the document has been filed with a court (such as a clerk of court signature)

This is a list of all the facts of my case:
-Victim of ID Theft
-Have filed an ID Theft Affidavit with Midland
-Filed a claim of exemption
-Past actions have been released
-Unaware of a judgment
-Attempting to Garnish without a judgment
-past the statute of limitiations

Teresa witiak, 5225 yellow Finch way, Gosport Indiana 47533. She pays $1 month to Midland and is not even current. She just pd $2100 in back lake Hollybrook HOA fees yesterday. She had a court date in December. 2018 with the HOA so she just pd it. She pleads poverty, doesn't pay, and usually nothing happens. I just wanted Midland to know she is getting the best of her.

I'm writing because Midland funding say that I owe them $1175 which the Walmart credit card I got was in Oct 2008 then they claim like I got a summon in my hand Feb 2014 cuz if I got one I would of went to court so Aug 9, 2018 this year I got a writ of garnishment which said I had 30 days but they already garnishing my check 25percent plus the wal mart credit card was deleted off my credit report but when I call them and asked question they take a minute to answer but I need help because how I'm get garnish for a debit in 2008 then from 2014 now it's 2018 wat I need to do to stop this because I want to go in front of the judge the right way

They are harressling me by phone calling everyday, threatening to send officer to my house and job, saying a $1200 debt will cost me over $ 3000. I had been out of work, went thru Hurricane Harvey, was homeless and have had two surgeries this year, I have no money takes every penny to survive. I am a 70 year old widow just trying to get by and support s disabled son. Please stop them from harassing me, and others like me. They buy out debts and the harass people.

I originally had an account with Sears/Citibank. In 2012, just before I lost everything and became homeless, I addressed a letter to my creditors explaining my financial dilemma and basically asking them to cancel credit cards. I had not used the card since October 2011. Although I was unemployed and had no income, I tried endlessly to work out an affordable payment plan and make payments. They always thought I could make greater payments.
Recently, I was sued by Midland, and in court the attorney who represented Midland stated that interest continued to accumulate, although I had asked that the account be closed in May 2012. The Midland attorney alleged that the account was not closed until 2014; two full years after I had asked them to close the account. I fought to have the interest removed, because they did not respect/grant my wishes. The Midland attorney stated that they did not have to respect or grant my wishes.

As agreed upon in county court, I have been maintaining my payment arrangement with Midland Credit Management since July 2014 - with one exception. In October 2015 Midland sent me a final judgment for all the remaining money owed. I had no idea why. As far as I knew payments were being automatically withdrawn from my checking account each month per my arrangement with them at the end of every month.

The problem: Through no fault of my own, Midland did not receive my September 2015 $25 payment. After many many stressful phone calls, Midland finally told me that they had changed something in their computer system, and in doing so, my automatic payment information had not been entered.
Midland corrected the problem and my automatic payments resumed in October 2015 - continuing to date. Midland did agree that this was not my fault. I asked that they correct whatever paperwork they had sent to the
Boulder County Court re Case #2014C31299, their filing for a final judgment.
The last thing I heard was that Midland was going to have their Colorado lawyers call me and talk to me about this problem --- they never said to correct it, just talk, but at this point I was so relieved that I had finally gotten them to admit that it was their fault, I never thought they would be so ugly as to not remove the judgment. Dummy me - I chose to trust them and assume that they would do the right thing. I am a senior and I am not well --all the many many phone calls, over so many days, the frustration, disappointment, anger, helplessness was so very upsetting to me that my family called my doctor.
Midland's lawyer never called, and I mistakenly did not follow up on this to see if they had done the right thing. A few hours ago I just happened to look at my Experian Credit Report and was shocked to see that this judgment had never been removed - and thus, that Midland had not corrected or cleared my credit report of any error or wrongdoing on my part.
Not knowing this, on July 5, 2016 I sent the court and Midland a letter, requesting reconsideration of our arrangement due to my age, poor health and poverty level retirement income. I did explain in that letter how Midland has/had been treating me -- even saying what I am saying now, that I was "fearful Midland might have overlooked expunging those default judgment documents -- "and that I had never heard from their lawyer, though having been reassured he would call.
I wrote the court asking for help because no way do I expect any help from Midland -- and I cannot afford a lawyer.
Stop your mistreatment of people, especially seniors, who are really trying and do care about doing the right thing.
Betty A. Butler
July 8, 2016

So I'm trying to get payment demand statements, or a bill from this place to re-fi. For some reason they are incapable of faxing this paper or e-mailing. What the heck? It's the 21st century and this company will harass you, call you during work, call you anytime and aren't always nice, . But when you try to get them paid off, it'll take a week to 10 days? LAME

The account for Midland Funding/Citibank was paid off thru Midland Credit Management, the item was dated 02/16/2007, Docket # 82D03-0612-CC5323, in Evansville, IN 47708, [protected]. The account has been verified as paid, thru the credit bureaus & repositories, but no lien release has been sent to the court. A lien release must be sent to the court, & be verified with my attorney Charles Murphy, Terra Title, LLC office # [protected].

I do have a debit that I owe but every time I try to settle with them they don't want what I have to offer. Right now I am a victim of the Sandy storm hurricane and I explain that to them but I am still willing to pay even though I am now in a shelter. They just don't care and still don't want to settle. I guess I'll just wait for the six years to pass by and they'll received nothing for being so selfish.

DO NOT PAY UNTIL DEBT HAS BEEN VALIDATED! My boyfriend received a letter from this company for a service he never had. We contacted the cellphone provider and they could not find him anywhere in their systems. They could find MY old account which was closed and sold to a collection agency in 2007. Request verification of debt from this company, if they cannot verify, send a certified cease and desist letter.

This company is one of the worst bottom feeders. They have harrassed me on several accts. They have sued me and thru careful research I was able to get the lawsuit dismissed. There are step by step instructions on several web sites on how to fight this company and win. Now they called me again this morning threatening to take everything I own, threatening to seize my bank accts, and just belligerant and aggressive as hell. I recently sent them a " Debt Validation Notice" which I am sure they will ignore. I have kept copies of all the things i did to beat them in the 1st lawsuit and will do it all over again if necessary. You can beat them just like I have!

Midland is trying to collect an account that is not mine and is over 7 years old. The account number is [protected] They cannot verify this account because it is an illegal attempt to collect a debt. They have not verified the account, but persevere in reporting false information on my credit report.