Midland Credit Management Reviews

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4.6(559)

About Midland Credit Management

Based in San Diego, Midland Credit Management has been helping consumers resolve overdue debts since 1953. It is available in all 50 states and has helped over 7 million consumers. It offers flexible online solutions without charging fees or interest. It specializes in servicing accounts that have fallen behind and been charged off by the lender - giving consumers a second chance at financial stability.

Pros
  • Available in 50 states
  • No interest or fees
Cons
  • Debt collector
  • Can sue for overdue balances

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Midland Credit Management Reviews

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    How do I know I can trust these reviews about Midland Credit Management?
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    Page 2 Reviews 5 - 35
    Customer ServiceStaff

    Reviewed Oct. 13, 2025

    Online staff is really great. Helped me by switching dates and was able to increase my amount even while at work an not able to call out or talk on phone. It's good that they are nice about helping. Thanks.

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    Punctuality & SpeedStaff

    Reviewed Oct. 10, 2025

    Charles was great, not only because my husband name is Charles. He was quick, made sure I had everything I needed and was very very patient with me. The chat service provided me the information that I was looking for.

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    Customer ServiceStaff

    Reviewed Oct. 8, 2025

    Very understanding and knowledgeable take care of all your needs. Totally recommend using them. Very satisfied with all my questions and needs and happy they were able to help with my situation and I can now have a sigh of relief.

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    Refunds & PayoutsStaff

    Reviewed Oct. 7, 2025

    Gary **, My agent, was a wonderful guy. Very understanding and I appreciate him. Midland Credit Management is a fair company and if I can, I will pay back every dime I owe them. I fallen on hard times and they understood. God bless them.

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    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed Oct. 6, 2025

    Divorce left me buried in debt and the payment plan offered saved me and my credit tremendously. Customer service proved extremely cordial and helpful when I broke my leg and deductibles and copays wrecked my monthly budget and I was scrambling to figure out how I was going to make my payment that month. Thankfully a quick and easy chat with customer services deferred my payment to the end and allowed me to skip this month's payment and it was so quick and easy. What a relief!

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    Punctuality & SpeedStaff

    Reviewed Oct. 1, 2025

    It was quick and concise. He was patient with me all the way through. No complaints whatsoever. Thank you Charles! I appreciate all the help and options you gave me to get to the goal I was aiming for!

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    Customer ServiceStaff

    Reviewed Sept. 30, 2025

    This debt is about 4-5 yrs old. I gave my word back then to take care of debt soon as I was able & I am holding to my word (aka-Integrity !).. Victor ** is GREAT !!! He understood exactly what my situation was, & worked with me to get what I needed to get my debt paid off. Yeah team Victor **!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 22, 2025

    Chat service was easy and the person I chatted with was very helpful. Got my account concerns taken care of quickly! They were able to get my new bank account info moved over and remove my old bank info.

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    Customer ServiceStaff

    Reviewed Sept. 21, 2025

    I "spoke" with Keira online and she was able to assist me with my needs. We had a great conversation and I was able to get my debt paid off. No more creditors calling. They were flexible and very willing with work within my needs/abilities.

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    Customer ServiceInstallation & SetupPunctuality & SpeedStaffBilling

    Reviewed Sept. 17, 2025

    Very quick when I needed a response, easy to understand instructions and information. Care about their customers, understood my situation and helped me with my payment plan. Very thoughtful and thankful.

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    Contract & TermsStaff

    Reviewed Sept. 17, 2025

    Bruce ** was responsive and heard my concerns about this past due account. We were able to reach an agreement. It is a relief to have a plan for getting back on track with this bill! I appreciated his assistance today. Thank you!

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    Customer ServiceStaff

    Reviewed Sept. 16, 2025

    I came to this site with some curiosity & questions to my matter and I am happy to say that I was provided with a wonderful tech supporter who helped me understand my situation thoroughly and what all this company was able to do to rectify the situation to get my matter handled. Excellent live chat service. I did play 20 questions with the gentlemen who assisted me and only received positive & mannerful feedback from them. I recommend going through Midland Credit Management where your voice will be heard and positive resolutions will be made.

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    Staff

    Reviewed Sept. 13, 2025

    I ran into an issue paying my installment plans on my four accounts due to an emergency. My representative help me with my accounts and get me back on track. All aspects of this company are positive. They are caring and understanding.

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    Customer ServiceStaff

    Reviewed Sept. 13, 2025

    They were so good. I’m a single mother on one income and they worked out a payment plan that suited my pay schedule and my income base like so easy to talk to through chat and help me through every step. Great customer service.!

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    Reviewed Sept. 13, 2025

    Settled my accounts but I don't feel like the discount was an even amount. 10% wasn't worth it to me but I'm tired of paying overall so I accepted. Wasn't recommended so I wouldn't recommend to family and friends.

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    Customer ServiceStaff

    Reviewed Sept. 11, 2025

    Very good customer service and support. They helped me with any concerns I had and promptly gave resolution. Wonderful people! Wonderful service that helps you with clearing up your debt. Would recommend to anyone wanting to seek help with debt.

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    Customer ServiceStaffTransparency

    Reviewed Sept. 11, 2025

    I had a terrible agent Luis ** who did not explain things to me and only kept copying and pasting responses. I simply ended the chat and rebooted another immediately asking for a supervisor. There I encountered Tim ** who mentioned he couldn’t get one but asked my problem. After describing what the issue was and the problem with the last agent (Luis **), Tim gave me an in-depth explanation that allowed to me understand the response of the previous agent. My issue was not resolved per se but I wanted to rate the experience I had with customer service. If not for Tim ** the rating would have been 2 stars or lower.

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    Staff

    Reviewed Sept. 9, 2025

    The agent Bob ** was very helpful and awesome and caring. Due to my situation I am struggling to keep up and the agent was very mindful of my situation and resolved this issue fast and efficiently for me.

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    Staff

    Reviewed Sept. 8, 2025

    It was straight-forward assistance and easy. They were able to understand my situation and guided me through my late payment. A new payment plan to help me make more consistent payments was even made. They really try to work with you instead of pressuring you. I didn’t feel any pressure at all. Thank you.

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    Staff

    Reviewed Sept. 4, 2025

    The account representative, Bob C, was truly outstanding. He made everything seamless and answers all of my questions and concerns. People like Bob are few and far between, and he deserves recognition for being not only professional, but also understanding, kind and respectful.

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    Reviewed Sept. 3, 2025

    They were able to work with me on my payments and was able to change things when necessary. My account showed all of my total payments in the future, and my payment is made. When I needed to pause a payment, they were able to work with me online.

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    Staff

    Reviewed Aug. 31, 2025

    I have only been working with them a short time but already feel like they are very supportive and kind. Very easy to work with and contact with them is simple and fast. I have never had a debt collection company so easy to work with.

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    Staff

    Reviewed Aug. 28, 2025

    Keira was very helpful, patient and kind. Helping me with what I can pay every month for something I owed. She was very detailed and thorough! Thank you very much for all your help today and I got we you have a nice day! :)

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    Customer ServiceStaff

    Reviewed Aug. 28, 2025

    This place just seems shady as hell to me. Within a few minutes of calling and without getting hardly any information to verify they were asking for my Banking information. Routing Number, Bank account. The whole nine yards. Then after I finally verified that it was an actual "Legit" collections agency and made arrangements on the debt they sent me "Attorney Review Planned" notice. Sent to my house by FedEx. (Hadn't even heard of or from them before that except for one Phone call.) They claimed I had a second debt with them. Didn't say crap about it for the entire conversation and poof second debt. Not to mention they're claiming that they tried to phone me multiple times and I have zero calls in my caller ID from anything even close.

    I'm guessing it was probably the dozens of RoboCalls (Which are illegal) I hang up on or maybe the odd random phone calls from places all over the country in places I have no one even in those areas so the phone calls are ignored. I could barely understand the woman I talked to and her accent didn't help my thinking that this was a scam. It's like these people have no clue how to properly identify themselves.

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    Reviewed Aug. 28, 2025

    I am very happy of how flexible this business is. Bruce was amazing in helping me schedule my plan. Everything went fast and smooth. I am glad that Bruce was able to help me. I can't wait to clear off some of my debt at the time I need to.

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    Staff

    Reviewed Aug. 25, 2025

    Representative was decent and took my balance down to pay. Could have done more but I understand. Was able to get this credit file resolved. We will see if they stand by the deletion. And we will go from there. Thanks.

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    Customer ServiceStaff

    Reviewed Aug. 22, 2025

    I had received the worst customer service from these co. The first person was very rude from the first minute of the conversation to the end. Without going into detail he would not let me speak. All he kept saying was what I owed and yelling at me. I asked to speak to a supervisor. The supervisor was just as bad. At one point I did tell him I was the customer and he had no right to speak to me the way he was. Horrible and rude.

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    Customer Service

    Reviewed Aug. 21, 2025

    Bob helped us adjust our monthly payment because we were having some difficulties at this time and just need some more time to get back on our feet. This helps us so much. We won't worry too much because now we can make our payments with ease. We used online chat and Bob was very attentive and knew how to help properly.

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    Customer ServiceStaff

    Reviewed Aug. 18, 2025

    I make my payments every month on time. YOUR OVERSEAS AGENTS DON'T KNOW HOW TO TALK TO PEOPLE AS HUMANS. They just want you to give them your payment over the phone. But you give us the option to do it online. They need to listen and answer the questions we have not just start talking like I'm a child.

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    Reviewed Aug. 17, 2025

    I needed to note my account that I had new employment and that It would be easier to resolve my debt in the future. I wanted to input an estimate of my new income amount and assure MCM that I am satisfied with my new employer and that I intend to remain there until I retire; pending there are no unforeseen issues that arise. Am very satisfied with the interaction today and feel positive looking to the future.

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    Midland Credit Management Company Information

    Company Name:
    Midland Credit Management
    Website:
    www.midlandcreditonline.com