Midland Credit Management

Midland called me 4-5 times a day for months, for what much later turned out to be four separate accounts, none of which were mine. There were months of hang up and robo-calls. No message ever left on answering machine, and if I picked up, there was just dead air. The caller ID said "1 Unavailable". It was impossible to call back and impossible to learn who was even making these harassing calls.

Midland's phone company is AT&T California, and should be equally liable for this constant harassment, as they knew or should have known that MIdland was using this caller ID to cloak its illegal activities. After months and months of this, when I was being treated for cancer and was very ill, and really needed my rest during the day, I picked up and there was actually a person there. He started harassing me about a debt that was not mine, owed by a person who was not me, and repeatedly refused even to identify the business.

Finally, he said it was "MCM" but would not provide more information. I learned only through the internet that it was Midland Credit Management. I got a customer service phone number which was continually busy, but kept dialing and dialing and finally got a person, who promised to remove my number but never did. This happened over and over. I have an attorney now but even after the attorney told them to stop.

The calls still kept coming sporadically for quite a while. Midland has offered $750 plus attorney fees to settle, but they have included unacceptable provisions in their proposed settlement agreement, including excusing themselves from compliance with various laws and a gag order. Apparently, the gag order is important to them, so I am taking this opportunity, while they decide whether to delete the objectionable provisions, to blab all over the internet about what they did to me and are clearly doing to many, many others. I am also working on reporting them to regulatory authorities. They are nationwide, so I am going to work my way through every single state and blab to the regulators what Midland is doing. Maybe somebody will take action against them.

Every time Midland Credit calls and I don't pick up, they are somehow using huge chunks of minutes off my bill. I don't know exactly how they do it, I assume through my voicemail. But my call log shows there are "Unavailable Incoming" and large amounts of minutes being used even though I am not talking to them.

This company has been harassing me for payments. I made a payment arrangement of $31.00 a month on a $1500.00 balance. In going through my records, I was paying Housebank roughly $25.00 a month. They called me and offered me a payment arrangement of $631.00, so I paid it in May 2009.

Midland was of no help. I called Household bank and told them I settled on about half the person. I never noted this in my account, they tell me that I need to talk to Midland and I have been going and forth, no one wants to help me and each is blaming the other. Household says that they can't help me because they sold it and the person did not note it. Why am I being punished and my credit destroyed for their mistakes. I made a settlement in good faith and now I am going through this hell.

I am getting harassed by this company about 10 times a day with phone calls claiming that I owe money for an account that was closed more than three years ago with T-Mobile. They are also using my old name, Christina **, which I changed legally in New York in June of 2008. I informed them of both of these things and the fact that this false claim for money is not valid. They did not listen and continue to harass me with incredibly rude phone calls.

I had an awful experience with this company. I set up a payment plan with them and received a 30% off my total collection balance. I was told I would get a letter stating the agreement, but when I got the letter, it stated that I would have to owe the full balance. I was lied to.

Make sure, if you do make payments, you have the contract on hand. Don't let them tell you to just "trust" them with their words. Be smart in how you're going to clear the debt. When I canceled the payment plan, because they wanted me to trust their words only, I was told I would not receive any more discounts. After I voided and canceled the plan, I asked for a confirmation letter or number. They told me that they could not provide it for me.

Make sure when you give them payment info, do not give them your checking account number. If you decide to cancel the payments, you will have to go to your bank and close your account.

I am very disappointed in their service. It felt like I was serving them more than they were serving me. Very awkward. God bless your experience with them.

I received a letter requesting payment in the amount of $32,092.56. The letter was addressed to a Scott **, with my address. As a retired law enforcement officer, all of my information is redacted. I wanted to know how they got my address and why they sent this letter to my address with the name Scott ** on it. They wanted the last 4 digits of my Social Security number (which I refused to give) and stated, "You should not have opened the letter because it wasn't yours!" I told them it was my address with my last name and I had every right to open it. They then refused to discuss why it was sent to me and continued the issue of me opening a letter that was sent to my address with my last name. I am furious because what I believe is that they have sent a number of letters out looking for Scott ** not only to my address but to others.

All I wanted was to know how they got my address but rudeness took over and they refused to discuss this. I think I have a right to know how they obtained my home address, regardless whether it was addressed to Scott ** or Robert **. I thought that these types of collection tactics were done away with. They only thing they said was that they would take me off the mailing list. I am sure I am not the only one who received this letter.

I received a letter from them about our car payments. They said they were a debt collector and they could reduce our car payment and pay it off in one year. I have made two payments to them for July 2011 and August 2011. I received a letter from the company that we had been making to on August 11 2011. They said they have not received any payment from us since May 2011. It immediately sent up a red flag and know I am unnerved by it.

Midland Credit Management via Farrell & Seldin contacted me about a credit card debt which I was unaware I owed (due to divorce) , The first payment was due 5/20. I called to pay but they could not process payment because they needed to do a check by phone and all I had was my debit card (I was moving and my bank/check info was packed) Unfortunately I lost the contact info during that move and did not hear back from them until June. When I received a letter I immediately called and was informed that the original payment plan was no longer an option and they were going to garnish my check - fine - It was my fault for losing the original info. However in August they not only garnished my check but also my main checking account - which means they are taking 100% of my income - leaving me with no money for food, rent, or utilities - the basic needs. How can this possibly be legal?

Midland Credit Management claims that I had service with Verizon since July 2010 which is false. I have been with T-Mobile for the last two years. When I first received service with Verizon, it was around August 2007. I asked for the family plan and with that plan, I was given four phones free, for the four people in my household and if I wanted a different phones, I would have to pay for them. I also ask for the two phones that were given to my children to have blocks on them from downloading and texting. The only thing my children should have had was the ability to call and receive calls.

Well, Verizon did not put the blocks on the phone and wanted me to pay them, on my very first bill, 950.00 plus dollars. I asked why my bill was so high; with the family plan my bill per month should have been just $189.00 or somewhere in that range, take a little, give a little. Verizon was charging me for each phone separately, which causes the bill to be way more than what it should be. I had to go through this each month for about 3 to 4 months. I really got angry when the person on the phone was trying to tell me that I asked for my family plan to be that way. I went back to the store and I said that I am tired of this back and forth with this family plan that I purchased.

So, Verizon at this time is trying to tell me that I owe them this money and once I paid it then they will have no problem changing it to what I wanted. Verizon had my family plan twisted, on top of everything, I showed them my plan that I signed on, it still did not help, even with the proof in their face. I was told several different reasons why my bill was so high and none of the reasons was because of them making a mistake on my family plan. Now, they are on my credit report asking for $1,550.00. They are charging me for terminating the contract, $345.00 per phone and I had 4. I feel like Verizon knows what they are doing and they know that people are going to try to make these payments because no one wants to have bad credit. I feel like there should be a law to STOP companies from putting false information on people's credit report without the truth from both sides being questioned and evidence is shown. Now, Verizon sold this amount to Midland Credit Management and they are asking me to pay this.

I tried to make payment arrangements on Orchard Bank Credit Card for several months & asked for finance charges to be deleted and to send monthly payments. They informed me that they could work with me due to economy and family sickness. They never returned my calls or messages. I turned over to collections at the company noted above. I contacted the account manager, Steve **, & he will reduce the amount from $2538.53 to $1530 only if I sent it in 3 monthly payments which is impossible. I asked for monthly payment arrangement & he refused.

I sent this company a certified letter requesting that they validate the debt they were reporting on the credit bureau. They never validated the debt. Neither did they remove the negative listing as I requested. I tried to call them but I kept getting passed around like a rag. These practices are not legal and against my rights as a consumer.

Eight months before a derogatory credit report item from HSBC was scheduled to be deleted from my credit reports (upon reaching the seven-year statutory limit), Midland added a duplicate entry, which they had no right to do. Midland even said that the account had just been opened. I complained to all three credit agencies. If they fail to delete the Midland item, I will ask the state attorney general's office to take action and may even sue the agencies for damages. My credit score dropped 50 points because credit reporting agencies considered Midland's entry a new default.

Midland C.M. has obtained my basic billing info using the last account paid off balance I sent in 2009 to GE Money Bank, as a balance due. I have a letter from GE Money Bank declaring the account was paid in full, zero balance, no payment due, and no yearly renewal fees.

I get calls 7 days a week as early as 8am, and as late as 9:30pm. I have requested my credit on January 18, 2011. I have imposed a temporary fraud alert with Experian. I will waste no time, seeing the number of complaints listed at this site. I will hold their office responsible for inaction. Please consider agencies of this type and their fundamental purpose and legal responsibility.

I tried to talk to them today 12-27-2010 and explained that the disability insurance paid it off in 2003 since I was disabled in 2002. We started to pay the disability insurance again then stopped. The lady said it sounds like you have no proof of this. I said get your paperwork together, I'll see you in court, since the paperwork is from a pre-legal review lawyer.

I left work early today, and I received a call from my boss relaying a message that was received through our sales department. The collection agency told the person who answered the phone that on Monday I was going to receive documents with a police escort at my job. I then called the number they left and talked to Justin **, he told me if I didn't pay by Monday, I was going to pay for court costs and any outstanding debt I owed them they would seize my vehicle or bank accounts.

I received a call earlier this year regarding a debt my Ex made back in 2001. I told them about the situation but was amenable to pay it. I asked them to send me a copy of the bill on their letterhead but they insisted I give them my credit card number. I said I would not do that and they started yelling at me. I hung up and the next time they called, I asked to speak with a supervisor.

I told them to send me a letter and they said they have sent five. I find this hard to believe because I receive mail daily from the US. They insisted on faxing this to me but I do not have a fax and will not have it sent to a public fax. The supervisor started to yell at me and talk over me. Again, I hung up. I also explained that I live overseas but my phone number is a US number that rings in Okinawa, Japan at my house through my computer. They find this difficult to believe and tell me I am incorrect on the time.

The amount of arrogance and lack of integrity in this company is astounding. I do not believe they are legitimate and am filing a complaint against them.

MCM is trying to bill me for a debt that Spiegel has been collecting from a print merchant in Laguna Beach by the last name of Shields. I just found out that she has made prints of some of my paintings and has sold them and paid Spiegel on an old debt of mine. It's okay if only the debt is paid and I get a receipt for this, otherwise MCM is double billing me. I have had anxieties over money laundering of funds that I'm not aware of and I believe J. ** has a familial vendetta over an auto accident she blames a family member for, which she is pursuing me.

I have been receiving harassing collection letters and phone call informing me that I owe $2120.78 for a debt with Capital One Credit Card. I contacted Capital One and they said I never had a credit card with them nor do I owe anything.

When I called MCM, "Jonathon" said Capital One was a liar and so was I. They are trying to intimidate me into paying a debt I do not owe.

Addtionally, there is no such debt on any credit report.

These people need to be dealt with.

Thank you for your attention to this matter.

This company has a charge on my credit report obtained through Equifax. I contacted them but they do not have a charge with our social security number. They refused to provide any information. We do not have any charge outstanding and with to have this removed or at the very least at explanation of charge. Erroneous reporting to all companies that my perform a credit check.

I am getting daily phone calls via a machine that tells you to wait for a very important call, then puts you on hold until the agent picks up his phone--agent claims to be the collection agency for PayPal.com, the pay service from eBay. They are saying that I have a long over due charge on my GE Money card on my PayPal account and the interest is increasing every month--that I put off paying it.

I assumed from the start that this was a scam because the credit card has never been attached to my PayPal account or my bank. I did not give out any information to the agent other than they are mistaken and not to ever call back, but it is to no avail. I did check with my bank, PayPal and GE Money and I was correct. There is no outstanding charges anywhere. They will not take no for an answer.

Received a call from "Unknown" who stated, in a very broken accent, hard to understand that he was calling on behalf MCM. I informed him that I do not speak to anyone who cannot speak understandable English and hung up the phone. Three minutes later, he called me back and in very understandable English said, "You **, " and hung up on me.

Of course the caller ID shows Unknown Caller of which they do, so you cannot trace the caller or the number. This "so-called" pathetic, law-breaking company should be put out of business. No person has to be harassed or abused in this way. There are so many complaints against these people I cannot understand how they are still in business. Their bottom line is money. How sick it is in this day and time that these pathetic thieves have to resort to sick, retched and deplorable tactics in order to make maybe only a few cents of nothing at all.

I received a letter from MCM, a debt collector, for $4047.82 from Aspire Visa. I sent them a letter asking for a copy of the application for this card. I received a statement from June to October of 2003 with 23.85 dollars from Leisureplus with 404.39 dollars in finance charges and late payment charges. This is not my card, and I never heard of Leisureplus. What can I do?

Capital One! I refused to pay that one, because they pulled the old "you're late, so we sock you with a late fee, which puts you over the limit, so then we hit you with an over-the-limit fee!" I WAS NOT late, the original account balance was $276, and after that, it just spiraled up into the stratosphere.

I refuse to be suckered by some vulture who thinks he/she can stamp his/her feet, and I will tremble and give in! Fat chance! And they cannot threaten to damage your credit when it has already been damaged by other vultures! Where's the incentive? I may be in better shape in one way than other folks. My older mobile home is paid off, so is my car, and my computer. My only payments are for space rent, and utilities. Plus car and home insurance. That's it. And I WILL NOT ALLOW other vultures to threaten and/or harass me!

I have an old debt from probably 8 years ago from a SW Bell bill. I recieved many, many phone calls from Midland credit anywhere from 7am to almost 9pm at night. At all times the number comes up as "unknown" and they do not leave messages. I have asked them to stop calling my phone and to just correspond by mail, but they continue to call at all hours.

Recently they sent me a letter stating that i owed $147.88 and that if I paid this it would settle the account. I paid this and know they claim that I owe them an additional $98 dollars. I have no idea what they are claiming now. I just want them to stop calling. They typically call 6-8 times a day. I feel as though I have paid this debt and they should not be calling anymore. They claim otherwise.

The male i talked with actually asked me to "be quiet and listen to him". He actually then said if i paid today he would reduce the $98 to $50. I then told him that I had already paid $147.88 and this was all of the bill that i was aware that I owed. He told me that i did not make the settlement date. I then told him that I had mailed it in time and he then said he can not help when they cash the check. When they finally cashed it the date had passed.

i call in behalf of an account that i used to have with aspire visa they refused to give me there phone number they dont offer any help after been on hold for over 30 minutes they either transfer you to a machine or they disconet the call one of the repersentantive even star laugfing and he make a coment that my accent was very funny

I received a letter from MCM requesting a settlement on an account with CITIBANK USA which I have never had an account with CITIBANK in my entire life! MCM made an offer to settle this balance by using an Acceptance Certificate requesting that I enclose a check for $2,567.60 for a debt reported in the amount of $10,270.39 which I have never incurred nor have I had any credit with Citibank past or present.

I consider this a form of fraud and harassament as well as damaging my good name!

I recieved a collection letter in the mail from MCM for a past due account at United Credit National Bank. I never heard of this bank, or had an account with them. I called the number on the statement, and when the customer service rep answered, he was unable to help me. He then switched me over to another CSR who was the rudest person I have ever encountered. All he keep stating was that if it was'nt my account why would they have my information in their system.

He could'nt even give information on where the account originated from, bank address or anything. MY pament of $50.00 is due on 3/1/2009, and I'm not sure what to due with this. If someone has an answer, please help.

I checked my credit this morning, and it said there was activity on 10/08 regarding a collection for verizon wireless (which, I might add, is nearly five years old, and I refuse to pay it because they canceled my service without sending me my first bill, but that's another story). I have not had any dealings (and certainly never paid a cent toward the debt) since 2004, so how are they allowed to update it nearly five years later?

I might not be able to get a $25K/year job I'm currently waiting on (credit check is a big part of the process, and I can't have any recent marks), which is the whole reason I found out about this in the first place.

They send me a letter of debt from 1990 Citbank that I have no affiliation. When I visited the website and it shows my address with a incorrect NYC home phone number. Where did they get this info from?? I am worried that they will damage my credit and may reposses or freeze my accounts as stated by other on the rip off report website.

Constant harrasment. I have informed this company this debt was included on a Bankruptcy filed in 1998. they have purchased the account for collection purposes and harrase me late at nite after 9:00 pm or at 8 a.m. They have placed this account on my credit report and this is a bougus account. I have served my 10 years as required by bankruptcy laws. In the future they should purchase accounts that the consumer has not previously taken care of. Please stop this company from calling my home. I have also filed a complaint with TRW & Equafax to have this account removed from my credit report.

In 2001, I was contacted by this compnay regarding a debt, which I disputed. They later sent this disptued debt to a law firm (Mel Harris& assoc) in 2005 I disputed it with this law firm which later froze my bank accounts & all assessts. I hired an attny whose was able to settle the account (which was not mine) for $500.00 and now Midland is coming after me again, attempting to garninsh my wages. I already paid this, it was never mine to begin with. But needed access to my money.

My bank accounts were frozen in 2005, for 2 months I had no access to money, I am a single mother. I had to pay for a debt that wasnt mine, I had to hire an attny to get this resolved and now they are trying to collect on something they settled on almost 3 years ago. My wages are set to be garnished beginning with my next paycheck 7-15-08. I just rcvd a letter from the sheriff on Saturday.

Received ltr. from company offering to settle an old debt with Citibank for a discount on balance. I HAVE NEVER HAD A CREDIT CARD WITH CITIBANK, and I am not a deadbeat. I have a credit score just slightly under 800 and take pride in my good credit standing. I called the company and they told me that I HAD to pay the money, and that it was a card account I had from 1987 -- 21 years ago!!!!

I contatced a credit repair service back in November 07. At that tiem they found Midlan Credit on my report and disputed it for me. At that point they decided to reactivate the accounts on my credit. I have no idea whoe they were, I wrote letters etc.

Well 8 months later of getting nowhere, lo and behold I went to apply for a mortgage. This was the only thing on my credit that showed as a new unpaid account. Because it was an FHA loan, they requested it to be paid prior to lending. I did so, received a letter of receipt of payment from Midland's attorneys and Midland refuses to celar up my credit reports. They claim they never received the money from the attorneys Riddle and Associates. I'm stuck.

I had to pay 3100.00 to be able to get the mortgage for my home.

I am writing, as an honest citizen and taxpayer, to inform you of a violation of my consumer rights, in accordance with the Fair Credit Reporting Act. Midland Credit Management out of California has violated my rights by not adhering to the rules and regulations of the Fair Credit Reporting Act. They have refused to respond to my credit dispute and to this day, they refuse to remove an inaccurate item from my credit profile. (I sent them a credit disupute on 9/4/07 and a goodwill attempt/follow up on 9/15/07).

This inaccurate item has been a burden and has caused me to be rejected from employment and has hindered my ability to prosper and sow into our economy. For example, I cannot get approved for loans with reasonable and affordable interests rates, thus I cannot purchase a home.

I had a outstanding debt with FCNB-Eddie Bauer, Had arranged to make payments Dec of this year. 2 months ago I received a letter from MCM stating they had bought the loan and wanted to make a settlement.

I started to and found my paperwork and they have tacked on another thousand dollars on what I owe. They stated it was interest and penalties, I said in 3 months it has gained 1,000 and she said yes. Threatened to send to an attorney. I offered to make 50.00 payments a month and she refused. She said I was in no position to barter and I had no rights. I am trying to come out of financial hardships and repay all our debt. This makes it impossible. Thank you

It is showing as a new account opened in 10/2006 with an unpaid balance of $8077. The account number listed does not match any account number that I have had though First Consumers National Bank.

Everything was favorable for me to qualify for a new home that I have been working tediously on my credit in the last year to make this happen for my family. I am now faced with loan companies telling me to be approved this debt must be shown as paid.