Midland Credit Management

Midland purchased a bad debt of ours. We were finally able to offer a small settlement amount. We sent our offer in writing, certified return receipt. Company immediately sent us a pre-legal notification, requesting same amount, ignoring our offer. We had requested a cease and desist to call notice, which they seemed to abide by. But we had a small amount of funds to offer, so we phoned them (and all our other creditors who worked with us). From level one to the top manager (supposed top manager Kathi **, and her downline person Richard **). These two people kept me on the phone for 52+ minutes, trying to shame me. I really felt abused. They did not want to accept my offer. They simply should have refused me and moved on. I'll go to the court hearing, no fear there, but they sure tried to intimidate and shame me. I hope their recording was actually recorded, because I'm sure otherwise their documentation will be a probable lie.

About 13 years ago I opened a credit card with another bank. I used the card one time to buy gas for my car. I received the bill and it said I owed a balance of over $600. I called them and they said the charges were processing fees. I told them I was holding the paperwork I signed for the card and these so called processing fees were not in the contract. I told them I didn't want to card. That I would pay the amount I put on the card in gas and I expected them to cancel the card and the processing fees or I would report them to the BBB. They agreed and took my payment for the gas and said the card was canceled. They never closed the card and bounced the debt to collection agencies ultimately ending up with Midland whom contacted me last year.

Received a call on my cell phone. Asking for my brother. How they got my cell phone number is beyond me. They would not tell me what the call was about. When I informed them that my brother had passed away they told me his estate would be sued. The only way I know this is Midland Credit Management is because I called the number back and got a voicemail. The man who called was very hard to understand. He sounded like he was from India or somewhere like that. They wanted me to send them a copy of my brother's death certificate. That sure is not gonna happen.

I received a notice at work my wages were to be garnished!? What!? Well you have to go to court after being served and lose in order for a garnishment. Well Midland served my old address by taping a summons to the door. I obviously did not show up for court and lost. They were trying to garnish thousands. I researched for days. Found out that they are crooks that buy bad debts serve people and win due to no one showing up for court! I went to the court. Served them with a motion to vacate due to improper address being served. We went to court and it was dismissed!! Had I not gone they would have definitely won. Never allow anyone that you do not owe take money from you because you don't know what to do. Research!!

They charge me for the phone calls they made to me to collect balance past due 10 days. They charge $170 late fee. They received my payment 12 days later and did not want to waive it. They have Very poor communication to alert their customer when the balance is due. My.

Today my bank account was 500.00 less than yesterday. I called my bank to ask why I see a hold on my account for 500 plus another 75 on hold. I was told that there was a Legal hold placed on my account for 500.00 plus another 75 the bank charges for having to process the legal hold. I asked my bank who put a legal hold on my account and she said it shows as the LA County Sheriff Department. She said the sheriff sent the legal notice to Chase. So she said I will give you the phone number and you can call them to find out what this is about. So I called the toll free number my bank gave me and the person answers Midland Credit Management. It's not the sheriff dept.

I have an alleged Best Buy account that was taken over by Midland Funding LLC. According to this collections agency I have an outstanding debt on a Best Buy Credit Card. Well I never used a Best Buy Credit Card. These people called sometimes 5 times a day. Anyways they told me they closed this matter and it’s over with. Well that is a lie! They filed a suit in the Monterey Courts which is scheduled for June 29, 2019. I frankly don’t care and will not show up for this hearing. I know that if a judgement is awarded to these crooks they can’t collect from my bank accounts. I only get Social Security which under Law can’t be garnished. I have sent proof this account wasn’t mine and spoken with their Lawyers. Nothing has been resolved except them telling me the case is closed and settled. So why didn’t they close the court hearing? This is a dangerous group of crooks who lie and cheat. They can’t be trusted!!

Please do not use this company! All my credit reports have them falling off by May 2020! However Midland funding claiming my credit reports are wrong & they won't be falling off. They are pissed that the statute of limitations for the state of PA is 4 years and they cannot legally come after me! They expect me to pay but they have no leg to stand on since it's over 4 years and about to fall off credit report!!! They will never see a dime from me! My next step will be lodging a complaint with P State Attorney's office for the threatening letter they sent me.

I received a notification that they had taken over a debt. I wrote a letter the very next day and mailed it to the address on the notice. I received my letter back today with a post office label saying that it was undeliverable as addressed. How can that be when I used their address from the notice? Now it is more than the thirty days that they allow for disputes (my original letter was mailed out on April 5 and today is May 14). I don't know what I can do at this point.

The same guy keeps calling me. I asked him questions because he was very hard to understand. When he called me I was at a doctor's appt. He asked me to go behind the counter and use their computer so I could pull up my bank information and give it to him. I thought this was Insane. He was pushy and kept telling me not to make this difficult. I actually received a UPS envelope after my conversation with him. I went onto the website to enter the acct # and it says I don't exist.