Midland Credit Management [MCM]
Reviews and Complaints

I feel that the employees that answer the telephone for MCM are rude and very hard to understand. When I was having issues with Tyrone, which did not speak very clear english, I asked to speak to his superviser. I then was speaking to Gary Johnson, who was supposed to be his superviser and knew no more than Tyrone and was just as rude and also did not speak very good english. Makes me wonder where they were physically located. In the US? Probably not.

I would sure hate to think that at the end of my work day, all I had to show for it was rude behavior and everyone upset with me after each phone call. Sad way to make a living.

PLEASE GIVE ME INFO ABOUT GETTING A LETTER OF DELETION FROM MIDLAND COMPANY

Dont waste your time talking to them. Send them a DV letter it your within the 30 day window. Screw em! They have nothing original to go on. Only the inflated lies that they continue to make up. DO NOT PAY THEM. DO NOT GIVE IN. THEY ARE [censor] OF THE EARTH!

You can dispute the debt on all 3 credit reporting agencies. Midland has to prove the debt is legit or take it off your credit report.

ive recently requested a refund of the 2 amounts that was deducted out of my account. i was told by a rep. over the phone that i would get my refund and services would be canceled. i havent received my refund yet. please give me my money back thank you. i didnt request for the money to be deducted.

Addendum to the above. Regarding any debt collector: If the language is polite, and they claim to be understanding and trying to help you get through hard financial times with payment plan options, etc. - They are "Scavenger Debt Collectors" and you should ignore them.

Although it might be difficult, IGNORE their correspondences. They absolutely depend on your ignorance to make money, because by the time MCM gets these "debts", they are considered UNCOLLECTABLE (unless you're foolish enough to pay them). MCM are known as "Scavenger Debt Collectors", and know they can't legally force payment. In my opinion they are disreputable m----- - f-----s, who prey on people's ignorance. And their existence is apparently legal! Before I learned the facts, I responded, demanding proof that I owed money (which I never did) to the alleged creditor. I was told they don't do that. Do what? Prove anything! I simply had to pay! DUH! Needless to say, further correspondence ended forever after that call. By the way, don't depend on any federal laws to protect you. They have no teeth and are basically unenforceable, unless you want to spend a lot of money suing. Note the exception below. You can complain to the BBB, but don't expect it to do any good. That organization is a joke, being made up as it is with BUSINESSES! The statutes of limitations very by state, but range from three years to ten (mostly six), except for the bizarre anomaly of Kentucky (15 years). Another idea would be to ask your lawyer, and he might be able to invoke a certain obscure federal law (if it still exists), and sue them for its violation. My lawyer did it once and it worked, but the collector has to have proceeded in a certain way for you to prevail.

www.ftc.gov or www.budhibbs.com

Midland violates all FDCPA laws- and count on you NOT TO LEARN YOUR RIGHTS

File a complaint with the BBB of San Diego and cite the Fair and Accurate Credit Transactions Act(FACTA)

SEC. 312. PROCEDURES TO ENHANCE THE ACCURACY AND INTEGRITY
OF INFORMATION FURNISHED TO CONSUMER
REPORTING AGENCIES.

‘‘(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION
DIRECTLY WITH FURNISHER.—

‘‘(E) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE.—
After receiving a notice of dispute from a consumer
pursuant to subparagraph (D), the person that provided
the information in dispute to a consumer reporting agency
shall—
‘‘(i) conduct an investigation with respect to the
disputed information;
‘‘(ii) review all relevant information provided by
the consumer with the notice;
‘‘(iii) complete such person’s investigation of the
dispute and report the results of the investigation to
the consumer before the expiration of the period under
section 611(a)(1) within which a consumer reporting
agency would be required to complete its action if
the consumer had elected to dispute the information
under that section; and
‘‘(iv) if the investigation finds that the information
reported was inaccurate, promptly notify each consumer
reporting agency to which the person furnished
the inaccurate information of that determination and
provide to the agency any correction to that information
that is necessary to make the information provided
by the person accurate.

and the Fair Debt Collection Practices Act (FDCPA)

§ 809. Validation of debts

(c) The failure of a consumer to dispute the validity of a debt
under this section may not be construed by any court as an
admission of liability by the consumer.

repeatedly automated calling every day and now citation papers being served. are they even real?

Someone have called me from Midland Funding, LLC. At first they were asking for my details. When I refused to disclose my details to an unknown person, they started abusing me. I am planning to sue them. Here is a thread I have found that says my such incidents of their abuse http://www.debtconsolidationcare.com/collection-agencies/midlandfunding-llc.html

Last, sat I had finally had it with midland credit and thier lawyers, I sent them a letter of :"validation" to be more exact the secound time I sent them the same communication.This has been going on for possibly a year now and it's time to settle this matter once and for all, Time is on my side now, I want my day in court, No aritration!, I want my day in court win, loose, or draw, it is time to rock and roll, lock ad load, I started to educate myself, and it feels good, so good.WE HAVE RIGHTS!I am 62 years old now and in frail health, I got nothing to loose midland hs ruined my credit, with some help from my bad health, but no more, I am fighting back and so should all of you, EDUCATE YOURSELVES, FIGHT BACK .

You have RUGHTS!

www.ftc.gov or www.budhibbs.com YOU HAVE TO FIGHT THEM YOURSELF. YOU CAN SUE THEM!

If a court sends you a letter to appear you absolutely need to appear to tell your sice of the story. Failure to appear is the same as telling the court I am guilty and I do not care what you decide.

Hi,
This page here has great discussion on Midland credit management
www.debtconsolidationcare.com/forums/midlandcredit.html

You have to watch this company. They will call you at your place of work even after you've told them not to and you have given them the proper means to contact you.

I am going through a nightmare! I have been clearing up my credit and disputing the errors on my credit report with the help of Lexington law!( they have been life savers so far!) well on 10-18-2019 they had an old credit card debt removed ( because neither the credit card company and its 2 debt collectors- which here in MN - might add that the "2" debt collectors were one in the same could validate the debt) ok great fantastic right?... Then yesterday [protected]) Bam! At closing time for banks(5:00 p.m) I called my bank and asked WTF ( more poilety) I went to use my card 10 minutes before and it was declined ( keep in mind I had enough money in my account to use my card for what I needed- I had checked my account an hour before hand and all was good)

So I call my bank and was. told to call the main branch in the morning and they could give me more information about the levy from Midland Funding LLC... Seriously these [censored] just took my money without notice! They have not contacted me at all no letters! No phone calls! No court papers! ZIP ZILCH ZERO NADA! How can they do this when just barely a month ago they could not validate the debt? And to make matters even worse my place of employment just did lay offs due to work orders being slow!(hoping it picks up after first of the year!)

So not only am I laid off but now these [censored] just took all the money I had in my account to live on until my unemployment kicks in! Are they going to take that too?

I received a call from this "debt collector." First off, never confirm that you owe a debt. Second, by law (FTC) you are entitled to have the company send you information about the said debt. I told the representative that by federal law, the company must send me documentation. When i asked the guy named "Matt" from India, if he could send me documentation, he said he will see what he can do. My best advice to anyone dealing with this company is to 1) NEVER confirm you owe the debt. 2) Ask for documentation to be mailed to you. If they will not send you documentation, file a complaint with the attorney general's office in San Diego along with the attorney general's office in your state. Also contact the FTC (Federal Trade Commission) and open a complaint against the company. 3)NEVER agree to pay anything until you have gotten documentation. After a 25-minute phone call, the gentlemen advised me that the manager on the floor wanted to speak to me, then proceeded to hang up on me. If you need to file a complaint you can call the FTC at [protected]. I hope all this information helped.

MCM (midland credit management) is extremely rude and unprofessional. thy have been harassing me with letters and phone calls about a 02 debit that I paid off in 08' for a landline phone provider for $3.15 that due to interest that has accumilated up to over $1, 000. it was fully paid through another company and NOW MCM is calling saying it is not paid. I sent the COPIES of proof of pay-off and they still are harassing me saying the account number they have is different even though it is the EXACT amount from the one that was paid. The abrubt operator on th phone told me it ws MY problem to find out why the account numbers dont match ad they are still going ot call and send letters until they get paid. i received multiple letters with multiple addresses from this agency. fake and disorganized? you deside..

I have been dealing with these people for just over a month now. They someone got my bank to take the money i owe out and put it into a separate account over a month a go. No one bothered to tell me i had to sign anything for them to get the money. So now they are trying to get me to pay them another 100 dollars because I didn't sign. How can I sign something that I didn't know about. I thought that they bank paid them, it wasn't until I called my District Court to find out why my case was still opened was I told anything. Mind you they took the money out on Dec 4th and yesterday was January 30th. So now they are fighting me tooth and nail for 100 more dollars. They are ridiculous. Before last month I haven't heard anything from them in over 2 years. What kind of company wants to get paid, but will make it hard for you to pay them?

monken, affidavit is not a proofs at all. in some state, u might need to file a motion to strike affidavits. i know in NY, all one has to do is let the case goes directly into trial, and tell the judge u weren't shown the actual bill of sales, assignments. they need to be the actually documents, not affidavits or some sort of "computerize", "typed" documents that said "bill of sale" w/o your credit card company's letterhead. u can file a motion to subpean all the witness mentioned in the affidavits. inorder for them to be legally collect from you. they need to provide your credit card agreement with your signature, all the books and record for the credit card (all statements or even charges, payments), assignments, bill of sales, titles of chain.. most of these junk debt buyer would drop the case even before trial starts. they know they don't have anything solid to prove, so they are trying to pressure u to pay up b4 it gets to trial. but you would have a better chance to let it goes thru the trial and let the judge dismiss the case with perjudice, so it can't be reopened (resue u again).

My grandmother had the same problem Midland funding garnished her paycheck . Nobody ever told us anything or why they were collecting it or for what. She doesn't have a lot of money so we didn't know where her money was going or what they were doing with it. Midland funding is a ripoff...its the worst funding out there.

Nely,
Virginia.

I was at pretrial today. Being sued by Midland Funding. I asked for proof sale, affidavit and he actually showed me a copy of one. He had copies of at least two years credit card statements. He also said people transfer and buy debts all the time and its legal. I told him I wanted to seek counsel so today's trial was stricken. I really don't know where to go from here. I'm thinking on calling chase to validate this copy of the bill of sale I now have.

Who is Midland Funding LLC?

One of the newest trends in the debt collection business is companies that purchase junk debt and pursue collections. This unsavory practice of purchasing old debt for pennies on the dollar and trying to collect the full amount has been a “cash-cow” for many companies, including Midland Funding LLC.
Midland Funding LLC is a division of the San Diego, California based Encore Capital Group. Encore Capital Group was a third-party collection agency for over 30 years prior to beginning its practice of purchasing junk debt. Since the change, Encore has watched its profits triple.

As a junk debt buyer, Midland is one of the largest in the industry. Their size has allowed them to purchase over 5 billion in junk debt in 2010 alone. With that size, however, also comes the ability to break the debt collection laws. In 2010 the company filed a consumer debt lawsuit against 517, 000 different individuals. This perversion of the court system to enforce bad debts is great for their business, but bad for the Defendant. The Defendants in these types of lawsuits may face garnishment or have liens placed against their home and real-property for a debt that is past the statute of limitations, or no longer even reportable on their credit report.

Midland Funding has been involved in many class-action suits during the last few years because of their unethical practices. Failure to comply with collection laws, shady practices for collecting debts, and misuse of the justice system are just a few of the charges placed against the company. Midland and Encore have also been named in robo signing cases where people were unfairly foreclosed upon.

Consumers have substantial rights against this type of practice. Knowing those rights is imperative to fighting these collection practices. Midland Funding has openly admitted that they win most of their cases in court because of the Defendants failure to show and dispute the claim. This is known as a Default Judgment.

Consumers who do not wish to be subjected to these fear-based tactics and unethical practices should arm themselves with knowledge. The Defense Guide is a practical and informative guide that consumers can use to fight back within the law.

When you visit DefendASummons.com you can purchase a copy of the guide to use. This guide will provide you with all the knowledge and tips that you need to properly defend yourself against a consumer debt lawsuit.

Most cases are lost because the person being sued does not appear in court. They are fearful of the outcome or do not know how to defend themselves. Most are unaware of the rights they have or how to demand those rights. Do not let this happen to you. If you are facing a junk debt collector or court date you need The Defense Guide. What you learn from the guide today can save you from financial disaster tomorrow.

Source: DefendASummons.com

I'm from Michigan and got problems with these ### to.

Midland Credit bought out a $640 account I had with Nordstrom. I paid off the entire balance almost a month ago and they still haven't updated the information on my credit report yet they cashed my check right away! I can never seem to get a hold of anyone there. I just get put on hold then hung up on. They promised to update my credit report with the payment made and I even tried disputing it with the credit bureau. The only thing MCM did was add another $1 to my account after I had already paid the entire balance!

LOL i used to work for them. Trust me, they will happily take 100 percent of the debt knowing they would still come out ahead by taking 30 percent of it. MCM adds their own interest charges to some accounts. ask that all those charges be removed. then tell them you will pay only 30 percent of the remaining amount ONLY if they report to the cb that it has been paid in FULL, and make sure you get it in writing. if they pay 5 dollars for a 100 dollar debt, they dont need to mark up the price much further in order to profit, the only reason they do it is because of the original contract binding you legally (they may try to scare you, but they do not take many cases to court because of costs, so if your debt is small you wont have to worry). find out the statue of limitations for your state. for example if its 5 years, that time starts from the charge off date (charged off meaning when it was sent to collections). so if it was charged off 4 and a half years ago, you have 6 months to wait untill they cannot do anything leagally, although they may still imply they can sue. the easist thing to tell them is that the number or numbers they are calling, are all cell phone numbers and its costing you money for them to call you. when asked to remove the numbers, by law they have to. also you can send them a letter telling them to "cease and dessist: all contact. then they cannot call or write.

This is on behalf of my husband's credit. We got a mail stating that he had a credit of 236 some dollars at Citibank from a Children's place in CA. My husband never remember of a children place in CA or having an account in Citibank. Now the MCM is calling us and harassing us to pay. I am talking to someone I couldn't understand the accent. My husband wants me to go ahead and pay it since we need our credit report get back since it affected our credit and we are planning of getting a house and a car. I was researching for this and hoping to get some advice and what other people who got this experience did.

I began receiving calls from an unknown caller before 8 a.m. When I answered, it was a recording saying a representative will be with you shortly. I stayed on the line several times and was disconnected. Finally, after their 5th call I got a person and she asked to speak to Jerrid. I tell her, Jerrid doesn't live here - click. Next day, same thing. I ask who is calling before saying no, Jerrid doesn't live here. She hangs up. Again, they call and this time I say may I ask who is calling and she repeats she wants to talk to Jerrid. I ask what company she is with and what it is regarding. She says she is with MCM and it's none of my business what it is regarding. I told her that Jerrid doesn't live here and she needs to remove my number from her list. She tells me she will not remove my number and she will indeed call back. I completely lost it. Of course my little outburst got me nowhere except a promise that she would indeed call again. I tried using anonymous call rejection so they would at least have to unblock their number when calling so I would have a phone number to report but it did not work and the calls are still coming at all hours. I have complained to my phone company and threatened to disconnect my phone service but there really isn't much else I can do since I can't prove it is really Midland without a phone number to report. These places disgust me. No wonder some people don't pay their bills. If I actually owed them, I'd let them haul me to jail before paying them. Very unprofessional company with SUPER rude employees.

WWW.BUDHIBBS.COM

Midland is one of the worst JUNK debt collectors out there

Iwas calked on april to pay 1300 i said i only had 500. Yesterday the told me i needed to pay 1300 i explained it eas settled but tgey said no they took out from my account 400.

Called to collect on an account already settled.

greetings, I have not been able to make payment, Puerto Rico does not appear in the states and I can not complete the information to make the payment from my bank account, because Puerto Rico does not appear?