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About Midland Credit Management Reviews
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 & Cons
- Available in 50 states
- No interest or fees
- Debt collector
- Can sue for overdue balances
Midland Credit Management is an online debt collection agency that tries to help consumers resolve their debt obligations.
ConsumerAffairs has collected 267 reviews and 120 ratings.
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Reviewed May 26, 2023
I contacted Midland Credit Management company yesterday in attempts to resolve a debt that I had accrued a couple of years ago. First of all, the man on the phone spoke with a heavy ** accent and it was difficult to understand what he was saying. He spoke fast as well. After I identified myself and told him why I was calling, this man went into a very long-winded spiel which wasn't necessary at all. After what felt like an eternity he asked if I wanted to pay the debt off immediately and I said no, I wasn't prepared to do that yesterday. He then attempted to pressure me into making a payment yesterday so that he could give me a 'discount' on what I owed. When I refused to make a payment he put me through to his manager.
A ** woman got on the phone and her accent was very thick as well and she rattled off a lot of things about getting me a 'discount' on the total amount I owe IF I could give her a payment. The amount started somewhere around $80 or so and after several attempts of telling her I didn't have the money to make a payment, she began lowering the amount. I know that it's customary for collection departments to offer a smaller amount than what is owed and that's great however, they will only give the discount if you make a payment. I suppose this is either in good faith or a way for them to trap you.
This woman was extremely persistent to the point of badgering me for a payment. I tried to remain calm and told her countless times that it is the end of the month, I am on Social Security and I simply and honestly do not have any extra money. She claimed she understood but again, continued to pressure me for a payment. The $80 went to $60 then $50 then to her saying, "What CAN you pay today????" Again and again, I told her I couldn't pay anything at all. The more I said this the angrier this woman became. She even threatened to take the money out of my checking account. I don't know how because she doesn't have that information. This woman stressed me out so much I told her to have a good day and I hung up.
I don't appreciate being badgered for money especially since I explained my financial situation to this woman over and over. Maybe she thought that I would break under her pressure but that wouldn't happen because I wasn't about to send her any money. Had I been able to make a payment yesterday I probably would have but I was just trying to get some information about making a payment. I wanted to know if there were any interest charges. I didn't even get a chance to ask this question before I was berated like a mangy dog. Be careful about contacting this company if you have a debt. Don't let them rant on and on with their stupid spiel. Cut them off quickly. Talk over them if you have to. Tell them exactly why you are calling. Don't be pressured into making a payment that you don't have in your bank account to make.
Reviewed May 18, 2023
They attached a debt that the statute of limitations has run on, making legal action to collect it impossible, but they thought they would attach it to my credit report as a newly opened account, which is ILLEGAL.
Reviewed April 30, 2023
The person I spoke with understood what I was needing help with. I didn't have to wait long for assistance and my problem was resolved. She asked follow up questions to make sure I understood. She was very courteous.
Reviewed April 27, 2023
I needed to work out payment arrangements for accounts that needed to be resolved and they were willing to go beyond their standard offers and come up with a custom plan that fits my financial needs. I am now able to start improving my credit because of their willingness to compromise and meet me half way.
Reviewed April 19, 2023
They changed their number & couldn’t send my poor mother a notice or new number so my mom couldn’t contact 'em for over a month and they ended up charging a hefty penalty & froze their bank account. Said they were “too busy” when asked why they didn’t send any notice on their number change. Terrible company.
Reviewed March 29, 2023
Well I get something from the court early this year. I don't recognize the debt they're trying to collect or amount. I called them, was a awful experience, they just want money, not willing to listen at all. I'm now dealing with a garnishment from for a debt I don't know about. This company needs to be shut down. I tried to payment arrangement on this debt even but they're not willing cause they think they have the upper hand so will not negotiate. I everyone reports this company so this can be stopped.
Reviewed March 1, 2023
These guys seem to have a knack for getting things wrong. The company said I had a debt with a company I had never dealt with so I sent them a debt VALIDATION letter. They refused to send proof, good luck guys. SEE YOU IN COURT! Bunch of clowns!
Reviewed Feb. 28, 2023
I am going through a tough time in my life and I got a hold of them for a overdue bill. A mister ** helped me so I could avoid legal action and so I can focus on what I have going on with a lot less stress on me. Thanks so much.
Reviewed Feb. 21, 2023
So back in 2018 Midland did a judgmental against me for $2900. At no time did they attempt to contact or leave a VM. Jump ahead to 2023, Garnishment starts via ADP. 25% of my weekly pay for a balance of now $3646. ADP informs me that after several deduction the remaining balance is $1161. So, I call Midland to pay remaining balance. They give me a higher balance of $1600. Come to find out ADP is mailing checks weekly. Midland receives check and sits on it for a week. Currently, Midland is two weeks behind on balance and is charging an 8% daily rate of interest. So, apparently Midland and ADP are not keeping in contact with one another to confirm remaining balance. If it wasn't for me to tell Midland to fax ADP to give exact amount. Because ADP is reporting 11 payments sent and Midland is only reporting 9 payments received plus the payment I just made of $1161.
Midland is a bunch of crooked thieves. Almost all call reps sound like they are from India or Pakistan until they transfer you to the legal office, but that is after they give you a runaround and transfer your call to multiple departments or tell you to call another number to just deal with someone else. So if you ever have to deal with them, then good luck.
Reviewed Jan. 31, 2023
I used chat to communicate with an agent. He was courteous, patient and helpful in addition to answering my concerns. I was pleasantly surprised at how easy it was to resolve my questions. I am very satisfied with the service rendered.
Reviewed Jan. 23, 2023
The online chat was terrific! It made the payment process stress-free and the agent was very helpful and understanding. I initially had a problem getting my payment info to register and the agent was very patient and helpful in making sure that I was able to get registered.
Reviewed Jan. 19, 2023
Midland calls me at least once a month. Most times I let it go to voicemail. But once in a while I answer it just to see what they are lying about that day. They say I have a loan out from LoanPoint USA. I've never had a loan out with that company. They say that I work for a Poco Technologies. I looked up Poco Technologies. It's a company in China! I have never worked for that company. They have my social which is worrisome. But everything else they say about me is not me. Today when I answered their call, they said they are waiting for me to file a police report disputing the LoanPoint loan. The police doesn't handle things like that. Supposedly they are "advancing my case to the Sheriff's department for prosecution." LOL The Sheriff's department doesn't handle that either! Don't believe what these guys are pushing. They are scam artists trying to get your hard earned money for themselves!
Reviewed Jan. 17, 2023
So an operator gets on my wife's phone telling me I per a bill for city finance. I was willing to pay in full. He couldn't draft or out my account in 6 days. First, he wanted 12 dollars than 1 dollar like it was a scam and when I refused to give a dollar he went off on telling me why a pice of ** person I was not paying my bills when I offered to pay in full when my taxes hit. I'm 6 days! Not 1 American on the phone all with accents and a pissy attitude. Pissed because I couldn't even remember owing this money and he couldn't scam me on the spot. Beware!!!
Reviewed Jan. 6, 2023
Peter ** was the agent who assisted me today. He was prompt, courteous and professional. He updated my address without any complications. I was very pleased with his demeanor and effectiveness. I would love to deal with him with any future issues I may have.
Reviewed Dec. 24, 2022
They are ok in taking care of your plannings in collections, I am happy with the results of paying off my credit collections and no longer have to deal with unnecessary calls after paying off my dues.
Reviewed Dec. 1, 2022
I hope that MCM pays their LIVE chat workers well, because they are very knowledgeable and professional, and I don't care that they have decided to outsource this type of work. I just hope they are being well paid and taken care of, and aren't being abused. Thanks Bryan for your assistance!
Reviewed Nov. 9, 2022
Although it was just a simple act of confirming some info that was in question. I was able to access the chat and had my info in a few minutes. Fantastic customer service from Rebecca on the chat feature.
Reviewed Oct. 27, 2022
I was behind on my payments so I call Midland Credit to tell them what happened and they were able to help me out with a payment plan to keep me on track. Appreciate them for taking the time out to listen.
Reviewed Oct. 12, 2022
For starters, this company outsources, which I understand it's a money move. But the outsourced employees are some of the most disrespectful, non-caring, nonchalant representatives you can talk to. THEY DO NOT CARE so don't look for empathy from them. All they'll do is give you scripted answers and you can BARELY understand what they're saying.... and that's IF you get someone. All I was trying to do was see what options I had for repayment and they transfer you from department to department, most of the time they're blind transfers so be prepared to repeat yourself A LOT. I finally had to resort to setting up a default plan online and when I tried to modify it by settling, they played the "transfer from person to person" game. One call with them will COMPLETELY exhaust you and leave you STILL trying to get answers!
Reviewed July 24, 2022
I didn’t realize how horrible this place is until I read similar reviews to mine. I called when I received a letter that legal action would be taken against me. On one account I’ve been told twice they could get the payment down from $2400 to $1900 and both times no one put it in the system. Now they won’t work with me on a resolution and I was lied to twice. I just paid off one account and if I don’t receive my official letter then I’ll be calling constantly. This company cannot be trusted!
Reviewed Sept. 14, 2021
I give up on Midland Credit. I have a bill that is owned by Midland. I have been calling for weeks. Every time I speak with someone they give me another number to call and another extension to speak to various people. I call and leave messages, no one calls back. I call again and go through the same thing. When I call this extension, I just am placed on hold for hours. I am trying to fix my credit and don't know what to do at this point. Strange way to do business.
Reviewed July 21, 2021
They, are very sneaky. You, can hardly understand their so called customer service department. A pure headache they are. There, are a lot of ??? surrounding this company and their practices. I, have read many complaints about this company and it is not good.
Reviewed July 1, 2021
I found myself with a little bit of debt and unable to pay. My debt was bought by Midland. Trying to get through to the department handling my account is non-existent. I have tried for the last 30 days to pay this bill off. When calling in I get transferred to a voicemail where I never receive a call back. I been calling three times a day, leaving voice mail after voicemail with no return call. The representative you get when transferred will not provide any information and are extremely unfriendly when challenged. I was able to find my account online and and have additional questions. Why would I pay something you can't give me full detailed information to ensure my questions are addressed?
Reviewed May 6, 2021
I had two debts that were acquired by Midland Credit Management. They sent me a letter threatening a lawsuit at which time I paid both accounts in full. This was in November of 2020. It is now May of 2021 and their website still shows that I owe $1.176.02. When I call, they confirm the account has been paid in full and closed, the debt is not accurate... however, my credit reports all still show this account is still in collections with a debt owed. I call this company once per month and get a complete runaround for hours where nobody knows what to say, managers are not available, someone will call me but it never happens.
I have requested and registered receipt of requests on their website for someone to call me and it never happens. I have NO DEBT to any creditor, but my credit score is being severely affected by a Midland report that I am in collections. When I dispute their claim, they verify that the collection is accurate. Why will nobody help me, it's been 6 months!
Reviewed Oct. 24, 2020
On 10/21/20 I received correspondence from Midland Credit Management notifying me that I owed $917.19 to them. No explanations as to what the charges were, just that I owed them $917.19. And, in order to avoid court arrangement, I needed to settle this immediately. After phoning Midland, I asked for the last 4 SSN's on the account. They were different than mine. I told them they had the wrong person. I gave them my full SSN, DOB, home address and phone number.
On 10/23, I was served with a court hearing arrangement. The arrangement papers gave a different origination address than mine where I've lived for the last 30 yrs. Now, I've got to appear in court to prove my own identity and repudiate the miss identity Midland has used. Is this a reputable, reliant company that can't even do the diligence necessary to get one's identity correct before filing court papers against them? What a fraud! Internet search reveals they've had one or more lawsuits filed against them for fraud charges. They may have one more.
Reviewed Oct. 23, 2020
I have set up a payment plan with them over 5 times now. My bank pays them with no issues on my bank's end. But every month they call to tell me that it didn't go through. Now they want my debit cards over the phone. I told them no way. I've set up payment with them multiple times. I have the payment plan in writing. Issues in their computer system are not my problem. Beware.
Reviewed Aug. 13, 2020
I had a credit card that they purchased and then sued me in court for and got a judgement against me. I called and worked out a payment plan and worked with a good collection customer service person. I have made a total of 4 payments that have been on time and per our agreement and have two more small payments left. Well this month August 2020 I came in close contact with someone who tested positive for COVID-19 and had to get tested myself and had to self isolate which meant no work.
I called on 8/13/2020 and asked if my payment for this month could be extended to another date. The man I spoke to was rude and said I had a judgement and could not break the arrangement. I said, "I am not breaking an arrangement but asking for an extension." He rattled on again and I said, "You are not listening to me and "I am not breaking my arrangement." He then said and I quote "I take offense to you saying I am not listening." This guy is a grown man and he takes offense to telling him he is not listening! Seriously he needs to man up and act like an adult instead of a toddler.
I finally got through to him after explaining it to him like I would to one of my preschool students in my class and he understood after I explained it in a way that he could understand. Wish I had gotten an attorney when this all happened and had them work out something in my favor. What turned out to be a 300.00 credit card bill turned out to be over 1000. I had tried to make payments but fell on hard times. This company takes people court left and right. It seems to be what they thrive off of.
Reviewed July 22, 2020
I received a legal document from this collection agency, earlier this year. Until then I never heard of Midland Credit Management. After calling an attorney we took this company to court. It took an appeals court judge to rule in my favor. So as of this writing, I don't have to pay these bloodsuckers anything. Take my advice and Sue this company. It won't be long before they turn tail and run. Because they haven't a legal leg to stand on.
Reviewed July 13, 2020
I have attempted contact to the correct department 4 times in two days to notify them the debt has been settled. They are still sending me a letter advising me of the unsettled debt. Nobody called me back. I asked to speak to the person who has a signature on the letter I received and I was told he does not take any phone calls. I really cannot understand how a company cannot respond in a timely fashion.
Reviewed May 19, 2020
I have spoken with so many people, Kellan, Paul **, Ben **, Ralph, Jerry **. Rude. Hung up on. When I asked for an email regarding our conversation of a refund they refused. I would never work with this company if I didn’t have to. Very sad especially due to the fact that our country is hurting due to covid.
Midland Credit Management Company Information
- Company Name:
- Midland Credit Management