Midland Credit Management Reviews

I called Midland Funding Llc and requested documentation of the purchase of my card and they stated they do not have this. Don't you think that is strange. I know when I purchase something of value I receive documentation. This company is sketchy.

Just got a phone call from these scammers. I feel horrible for these people that get scammed by these guys... THEY ARE NOT A REAL DEBT COLLECTION AGENCY. First of all, if you owe money, the bank you ORIGINALLY borrowed from will try to contact you and only them! They send letters first, and my key is never answer a phone number you do not know. Screen it by letting it go to voicemail. Call back and never say the actual word yes to anything. My first clue this was a scam is that they couldn't tell me what they were calling me about until I gave them my social? That way they could look me up in some sketchy computer program that gives them all my info... HELL NO! Stay far away from this company as possible. For those dealing with them now, try to cancel your payments and close out any checking accounts they are taking money from so they won't be able to do so anymore! I hope the police/FBI get a whiff of these guys...

These thieves have tried collecting a debt that is way past the statute of limitations in CA. In addition they have threatened me and my 80-year-old mother. I have had the same # and address for many years and not once sent me proof of any debt owed or any court documents. There is also nothing reporting on my credit report. I have excellent credit and I refuse to let these jerks mess it up. Don’t give any info and always ask for proof which they can’t seem to produce. Sad world we live in folks but always gotta be on your toes.

These people contacted me several times regarding a debt for my son. I forwarded the information onto him. Because of his job he decided it wasn't worth arguing about a debt he knew was not his for $280. It was some internet debt... He thinks it was his old roommate using his info... But they kept calling me so I read the reviews here and told him to cancel the card he used to pay them. He didn't do it in time and they took out 2 different transactions in the amount of $650 from his bank account without his permission. AND they are still trying to call him and collect money. We will be contacting an attorney and filing a complaint. I am not sure why this company is still allowed to practice in the state of Arizona. I deal with a collection company for my business (I'm the one reporting the debt) and they would never do this type of underhanded business. Real collection agencies DO NOT take out money without permission.

Obviously being a debt collector they SHOULD be interested in closing accounts. I called them and asked for a 10 day payoff amount and they proceeded to bully me and tell me they weren't sure if they could close the account. (UHMMM YOU'RE JOKING!?) They then asked me where I'm getting the money to pay it off and why I haven't paid it in the first place and asking for every detail of my life when I said we got into some financial issues they kept pressing on and on. He said that I had been paying for my PUD and Comcast (how they can see that I'm not sure) but I felt very violated.

Midland is driving us crazy, calling day and night, both my husband's number, and mine. We made arrangements to pay one bill, and now they're hounding us for another. I can barely sleep, we don't have anything to take but they are going to give it a try anyway. I can't get a lawyer right now, so doing tutorials on how to defend myself. PLEASE people, don't get on free credit score websites that give you "advice" on credit cards!! It will ruin your life. I really think most people are good, and they want to try and better themselves, and just end up over their heads, embarrassed and ashamed.

These people are relentless! They harass and harass and when they can’t get you they call anybody with the same last name. 6,7,8 times a day! Never leave messages and don’t speak English. I have reported them to the Attorney General and the BBB, hope they all get put under a rock with their name on it!

I received a phone call today from Manny ** at **. I told Mr. ** that this was a work number and we were not allowed to receive non-related work calls. At this time, I assumed Mr. ** was a telemarketer. He proceeded to ask me to verify my name over and over. I stated, "I said my name when I answered". He then proceeded to go into a script about a debt and legal action; despite me repeating, "I cannot have non-business related discussions on this line." After a moment, I stopped him and said, "What is the name of the company you are calling from" and he told me Midland Credit Mgmt.

Midland credit is going to kill my father!!! They zeroed out all my bank accounts including my father's because I was joint on it. He was 87 with failing health with breathing issues and I’m his caregiver. I was unable to get him food or his medication and if I can’t get necessities of life he will pass away. I’ve called them to make payment arrangements and they refused.

My father passed two years ago. Apparently he had an account with Midland and a lien was placed on my mother's home. During a re-fi it was discovered and needed to pay off debt to clear title. I placed no less than 20 phone calls to RHONDA ** and SHANICA ** with no response. The title company also left several messages. These people will harass and threaten when you owe money but when you want to pay they do not respond. I hope these two woman rot in hell for the delay in refinancing they are causing my mother.

This company really just won't quit! For the past month, they've blown up my phone, either from an unknown number or various 1-866 numbers. When I finally spoke with a representative, I was told about a debt I have with Credit One Bank and they said I owe 1,134 dollars. First of all, I do owe money on this particular credit card but my outstanding balance is def not 1,000 dollars. They pressure you to give your card/bank info in order to set up a "Payment plan" in order to rid your debt. Real debt collectors don't call asking for your card info, they send letters first. I played along with the representative although I knew it was a scam from jump.

I received a call from "Louis **" with regard to a debt they collected from Citibank for a Sears MasterCard. The account was opened in December 2014, but last payment on the account was 1/5/17 - and then payments stopped. The accrued balance now due is over $6K. Louis confirmed our home address, my husband's date of birth and social security number. He even told me some of the charges on the "account". This seemed all legit - especially the charges - as they were all local businesses that we frequent often.

They keep trying to get my bank account number but they already have my card number and the security code on back. And the Midland Credit Union I deal with is in the UK not the US. I know there's one in the US. I got mixed up with these people through Aspen Dental on Airport who signed me up for CARE CREDIT. ALL THEY DID WAS CLEAN MY TEETH WITH WATER AND A PIX. AND I HAD TO PAY OVER $800. Best advice stay far away from Care Credit and Aspen Dental because they sent my account to the UK and I'm in Alabama. WTF!!!! There's a Midland Credit Union in the United States. Anyways I'm down to 176.00 when I started at $586. I had to apply for that because I lost two jobs right before the holiday and now they're threatened me. Oh please report me. My credit IT'S ** up anyways... RUDE INCONSIDERATE WORKERS.

I am not sure what type of people would work for a company like this. They told me a sheriff was on his way to arrest me. Well I told him that in the US that cannot happen over a debt. He then told me he personally was on his way to serve me with papers. I asked him what time he would be there so I could be waiting outside and he hung up. I must have had 20 calls always threatening. They start out rude and get worse. You cannot block the phone numbers so not sure what to do.

I called them to go over a plan and see what I could do. I felt like the man was trying to pressure me into something I couldn't do. I said what I could do then he said ok. At the end of the call he changed what I said and said, "OK you could do that twice a month." I felt like I couldn't trust them and doing anything with them. I hung up and then Googled and saw all these reviews. Made me scared to trust them after my phone call now more so after seeing all these comments. When I first called I got a nice lady. Then transferred me to a really nasty person. The things he was saying and how he was treating me was so nasty.

I receive calls regularly from these people, you cannot block their number because they will just use a different one. They are now down to the level telling me that my step-son is in danger and to call back immediately. I've encountered most of their ploys over the last four years but using the ploy to concern or cause fear for a parent about the health or life of their child is downright twisted. What is even nastier is they went through my friend requests on social media and are using those names in their calls. I do not use social media for anything other than private messaging since it is very hard for me to use my phone due to poor eyesight and lack of fine motor control so the computer allows me to communicate and is my biggest connection with the outside world.

This debt collection agency is unlawful. I sent a money order from a Nationwide Bank to pay off my debt, and they followed through with wage garnishments. DO NOT PAY THEM! Go back to the creditor. They will work with you. Now I have to deal with getting my money back and dealing with the hassle of this issue. Being a full time college student and working full time, this is going to be almost impossible. They need to be reported.

I made a payment arrangement with this company, on three separate occasions they took double the amount of money out of my account. And now have taken money out of the account without authorization to the point I’ve had to call the bank and stop payment. They don’t speak hardly any English and are incredibly rude and are just flat out dumb. There’s no other way to put it. I can only hope they get put out of business.

Midland Credit Management, LLC or also known as MCM should be considered a harassment company versus a debt collection agency. I recently changed my address and went into the MCM payment portal to update my information. I have received calls in the past and unfortunately in a bad spot and don’t have the extra funds at this time to pay. I have assured them though I’ll make minimum payments whenever I can. Which I’ll make small payments on the portal when I am able to do so.

These people are just a legal system assisted scam. I had a $800 credit card charge off in 2008 that was sold to this company. They took me to court (I NEVER received a summons) and they got a money judgment for $1200. I refused to pay them and they garnished my wages, bank account, and even called my house at all hours of the day and night. They almost got me fired from my job by calling so much and telling my boss "she's a loser that doesn't pay her bills." It is 2017 and they have yet again garnished my bank account. As of today I have paid them over $4500. My best advice is get a lawyer if you ever even get a scrap of mail from these people. I wish I would have in 2008!!

This so called Consumer Experienced Business has disappointed me so badly the whole experience has left me with a bitter taste in my mouth. I value my credit and have paid these people per arrangement but they TOOK MONEY out of my account unauthorized. I would appreciate my money back in my account. They are not answering 8663610420 or 8664522381 or the regular Midland Credit number. The guy lied - he said they were closed yesterday which they were not!!! Ugh! Ugh!

I am writing this review in protest against this company. I am a senior citizen who has been taken advantage of this company on a debt that was due more than 10 years ago. They called me and sent letters regarding a debt and I was harassed to a point of me making payment arrangements for this debt. I am still paying monthly for this debt and feel that I have been taken advantage of after a family member told me to write a review and give complaints about them. They have already taken over 1000k from my account and I am on a fixed income. Hope something can be done with companies like these.

I was called by these people twice this week. The callers were from an India call center. They kept telling me I owed several hundred dollars on a credit card account from 2009, an account I have never heard of and that doesn't show on my current credit report. I tracked down a 1-800 number on their website that was listed out of San Diego. When I spoke with a representative at that number, I was passed to an "account manager" which surprise, surprise, was another Indian speaking gentleman.

This John character keeps harassing me from multiple phone numbers claiming I took out an internet loan in 2007 and that it was unpaid. He threatened me saying I had a warrant out. This so-called loan was taken out and held on a bank account with a bank I had never been associated with. I asked repeatedly for a copy of something with my signature and he said he could not produce that till I paid the account in full. I fell for this scheme once a couple of years ago when this same company threatened me. I gave them a payment over the phone just to get them to stop the threats. They refuse to mail anything in writing. This imaginary debt is over 10 years old anyway and beyond Florida Statutes. Our government should shut these people down. At this point it may be worth retaining legal counsel to sue them.

I have never had an account with Walmart, but this company keep on sending phishing mail that I owe them money, I am thinking of taking them to court and suing them for at least 100K for bothering me. They once agree to not send me any more mail but keep on doing that.

Collection Harassment - Numerous calls per day as early as 8 am ET till 9:30 pm ET. They have been notified several times of an Attorney has been retained and a Bankruptcy filing is in the process. They still keep calling me and family. The latest, a letter was received from Midland with threats of referring it to a local Attorney for a lawsuit without any regards to the Bankruptcy in the process.

I'm not home often, they have been calling my number, a friend of mine has been answering. Because she can't tell them where I am, they have started getting a really smart attitude with my friend. I told her not to give any names, they asked her name and when she wouldn't give it, he (John) was almost nasty. He wanted to talk to someone else. She was by herself, he said he heard voices, she told him it was the TV. I WANT TO TALK TO SOMEONE ELSE, I HEAR THEM, by then she was about to hang up because he was so rude! That's not how you deal with people!

This company is stupid. They just sent a letter on some really old debt that they inflated to 5x the original amount that is out of statute and can't be reported to the bureaus and asked me to pay. Are they kidding? How stupid can they be? I will never call, talk to or acknowledge anything with them ever! If they try anything funny I will sic an attorney on them so fast. I have so much documentation on their illegal communication and processes and I will use it. Personally I want them to just slink off into the darkness they came from and never enter my world again. I don't even owe this debt. It was paid long ago but apparently they think otherwise.

I got stuck with Midland because my Dentist's new employee sent me to an Oral Surgeon on South Cobb Dr in Smyrna. That Oral surgeon's Financial person "borrowed" money from Lending Club in my name, to pay for the surgery. I didn't know this is what she was doing until after I got the bill. I thought I was making a payment plan with the oral surgeon's office. Well, she told me the bill would be $47 per month. I told her that even though I don't get paid at all during Summers and sparingly during the other months because of the nature of my job, I still figured I could handle $47 per month. Well, a bill came from Lending Club (???) for $157 per month.

I received several collection notices from Midland Credit Mgmt, in Sept 2016, over an expired, long paid debt. Because I'd previously dealt with them, I took legal action this time around. Unsurprisingly, months later, they responded to my attorney with several letters or notices, of the legal action as being "too cumbersome" to continue pursuing, and backed out, for avoiding court action. No further word or harassment from them since.

Recently, my income was reduced to half of what it was due to a job change. As a result, I had to stop paying on some lines of credit. Midland has picked up those accounts and now all I get are automated phone calls and recently have been getting "Pre-Legal Notification" letters in the mail. Also, today my parents received a phone call from Midland looking for me. The letters I got in the mail today (7/14/17) are dated June 30, 2017 and they state I have until July 15th to contact them regarding the accounts. I got home from work at 515 pm and cannot get through by calling the number provided on the letters. Really?

Believe it or not... I have had good experience with this company. At first they were jerks... only if you call and talk to them. Do yourself a favor and make the payments online!! They give you options on how long you want to pay off your debt... just go to their website and make an account. Hit make a payment and choose your options anywhere from 1 to 120 months to pay. I made the mistake by calling. The jerk put me on plan for 103.34 a month. If I did not call I could have made minimum payments of 35.00. If only I had paid my balance on my last card. I would not be in this situation! So for people complaining about this company, you went about it the wrong way by calling them. :(

I was notified by a distant family member that Midland Credit was suing me in small claims court for some 3rd party account. They did not even serve me with this paper. I have no idea what it's all about. If I receive anything about a court judgment I will make it my mission to cause them grief every day of my life. I better receive information about what this is I owe. I will sue them for defamation. I have read so many stories from reputable people about what ripoffs these people are. They have no idea who they think they are dealing with. I have neither spoken with or received anything from these people.

I received a phone call today from Amelia of Midland Credit Management, San Diego (858) 221-0191 re: a Walmart account that she claimed was past due. Amelia was requesting payment of over $400 on an account which I had paid $351 (limit was $300. Walmart closed the account because of late payments). Amelia then stated I had a balance due on an HSBC account of over $3000 due. I remembered this card. It had been charged off in 2004. The debt is over 14 years old. It was well beyond the statute of limitations of the courts for civil judgment collection.

I have an old credit card account that totaled about $500 (I got disabled and couldn't pay it off). Midland contacted me about 3 weeks ago, very polite and said the bill was over $950. When asked, they said that it was not their responsibility to provide me with all the documents I asked for. I would not set up any kind of arrangement until they did. The next day, they started calling at least 3 times a day threatening to sue me. Last week, they called my mother, my father and a sister and gave this big song and dance and tried to see what they could do for me. Now I am getting calls that they are a process server and where do I live, etc. etc. Same story to my parents (both in their 80s). There have been several stories like this and I am getting really ** off. Reading these other reviews, I feel so relieved that it is not me. I have some work to do and educate myself. Thank you everyone.

These guys are a 3rd party agency. You as well as I {Consumer} are not required by law, to work with a 3rd party agency. The Federal Debt collections practices act, or F.D.C.P.A advises us of this. This protects consumers, and clients. I have an acct with Capital One Bank, I requested these guys to send this acct back to Capital One. Sent them a letter by fax, (received a letter in the mail on sat April 8th 2017th) stating they did get my letter. They were advised to send my acct back to the original creditor Capital One Bank.

On February 22, 2017, I received a certified letter explaining that I was being sued in civil court for $1500 for an old credit card debt with Sears. I was appalled, not knowing that I could be sued for such a paltry amount. Being both disabled and poor, but not stupid, I realized something was wrong with this picture. Sure enough, Midland Credit Management is a disgusting excuse for a legitimate company. They are not legitimate, in my opinion, firstly because they go by a whole slew of different company names designed to confuse people and keep consumer affairs off their slick, dollar-greased backs. MCM is also known as Midland Funding LLC, Asset Acceptance LLC, Encore Capital Group, Midland Acquisition Corp, Midland Acquisitions Corp and MRC Receivables Corp. That in itself shows deceit in my opinion.

WOW... What a surprise to receive a 1099C after I negotiated and paid off my debt. MCM picked up my bad debt from Wells Fargo for pennies on the dollar and then negotiated a 50% payoff on it. I was never informed that I would be 1099'd on the dismissal of debt. Had I know this I would of let them take me to court or negotiated a different payoff amount. My 1099 is equivalent to me paying back $5035.00 in taxes. No small chunk of change. The calls to MCM (many of them) are useless. They just put you on hold and read their script with no help whatsoever. What is my recourse. As a consumer who has never had a debt collector come after me, how was I to know? They will not send any documents showing or stating that they told me this information. They filed a court order to take me to court and then I negotiated. Does anyone know what course of action I can take? Has anyone experience this before?

I had contacted MCM and spoke to one of their agents (Steve **) regarding on working on a deal to pay off my debt. He supposedly contacted his Division Manager (Tim **) to approve the agreement, which he supposedly did. He told me to send the payment to a specific address. I went and got a bank check and was going to mail it to the address. But it was a P.O. address only. I wanted to send it certified to get a signature for proof of payment, because it was a substantial amount. I called both Mr. ** and Mr. ** many times each looking for somewhere to send the payment for signature. I left numerous messages stating my intent on paying the bill with check in hand wanting a address where I can send it to get a signature. I never receive a return call. So I never sent the money, not without a signature, I'm not.

My husband had an old credit card account that was placed with Midland Funding. We contacted them thinking we were going to be in for a battle because most collection companies assume you are a dirt bag loser and won't pay. We negotiated a pay off amount that was almost 1/2 of the balance. They agreed to delete the account from his credit file. I was worried once we paid the negotiated amount they would still want more money. Surprisingly they did exactly what they said they would do. We paid and they deleted from credit file. I was given a control # to send to bureaus if necessary.

Midland sued me for a $7000.00+ debt that they claimed I had with Chase Bank, which also included legal fees and interest. I owed Chase about $2000.00 and was paid up with them. Midland took me to court anyway. I went to court (alone) and represented myself. The first thing I told the judge was that I had no business with Midland and my paid up debt was with Chase. I then asked the judge if I could see whatever paperwork Midland had on me concerning the so called debt. He asked Midland's lawyer to show it to me. She must have thumbed through a zillion pages dozens of times but could come up with nothing.

Called about an account opened in 2000, last payment was in 2014 they told me, then they told me it was in 2005. Either way told them that was not my account. Given the facts, the statute of limitations for Indiana is way past. The only way they can open a legal action is if YOU AGREE to a PAYMENT! This starts the account active again. They called me at my work, which is against the FTC rules. They say they have sent me letters about this. They say they acquired the account in 2008. Tricks and lies because it was an India fellow from Colorado who transferred me to a India fellow in California. If you block the number they will just use another one. DO NOT GIVE THEM ANY INFORMATION! I did give them my address because they didn't have anything correct, and that is all they got from me.

After receiving a letter by mail stating that I could handle a debt for a "settlement" amount of X dollars--I called them up. I was told over the phone that I could "settle" the debts of 3 different accounts for about 1/2 of the original balances. One account being nearly $900. I felt immense relief. I called today and the literally told me that this "settlement amount" I agreed to and what is in plain view was not really a "settlement" just what I "agreed to pay" and I still have the original balances subtracted from what I have already been paying upwards from a year ago!

There is not enough space in the blog world to express the pond scum this company is. They put a new definition to gutter rats. And I honestly cannot believe they can actually find so- called employees to work there. I have been recently sued by these flea bags but what gets me is where is THEIR PROOF. I only was made aware of this petty lawsuit when my employer was served with garnishment papers. After running to the courthouse to investigate and plead my case the judge was completely oblivious to the "false" claims made by these people on their attempts to serve me.

To all who are having unsavory experiences with Midland Funding, LLC. This collection agency is comprised of a bunch of ignorant bottom-feeders. They bought two accounts I once had with Barclay Bank five years ago. I disputed both accounts with Barclay Bank and refused to pay anymore payments on the two credit cards. Mudland (yes, MUDland) Funding, LLC bought the two accounts several years ago and have been bothering me ever since. I told the bottom-feeders at Mudland that I had disputed both accounts, and requested that they cease bothering me. They did stop bothering me, but in their contemptible and spiteful manner of doing business; are reporting my two disputed accounts to all three credit bureaus in their sleazy effort to harass me and affect my credit scores.

Huge language barrier. I spoke with the manager of my account manager and let me tell you I have never had the displeasure of dealing with someone so rude and nasty. If this company wants to collect debts and work with account holders this gentleman needs to go. This man was telling me what I had to do. Said I had to send post-dated checks in order to get the discount he had for me. He has no business being in customer service. This call left me frustrated and angry. He would not let me speak to anyone else about this matter.

This has been the craziest company I have ever dealt with. First issue is that there is a huge language barrier. I had a conversation with my account manager who constantly talked over me, and kept say "let me tell you something" which I found to be completely rude and unprofessional. I tried setting up a payment plan online and had nothing but issues. Called and still had issues dealing with their account managers.

I am receiving collection calls from this company, Midland Credit Management. I do not have any debt being collected. They are called on OFF hours of business for the task they are trying to complete. I am getting calls at 7:44 AM. The caller ID is not available so I can't track the number. I am also getting calls from various numbers from them. I have tried to tell them to take me off their calling list. I don't know what else to do. I am already involved in the class act settle against this company that will settle August 26, 2016. I don't know how they got my number in their calling list again. It's VERY ANNOYING. I don't know what else to do but file a complaint. The calls are just started to come again since June 16th, 2016. What are my options?

I started getting harassing letters and calls from Midland. They told me that they had a Citibank account of mine. I do not nor have I ever had one. They got a court date for 4 thousand dollars and I never knew. They got a copy of my ex-husband's and his first wife's credit statement that had nothing to do with their claim. It was complete fraud and they are just horrible people.

I have been dealing with this fraudulent company for years! First of all I had a First Premier Bank credit card. I also when I applied for card accepted the credit protection for pennies on the dollar in case I became ill, lost job, etc. Well this was opened up over 11 years ago. In 1996 I became disabled in a car accident and had actually 3 credit cards with the credit protection on them. Anyways I received forms for my doctor to fill out and sent them in. I was denied the credit protection service I paid on monthly. Fast forward I couldn't pay credit cards and well stopped paying as I paid for years for the protection in case of such instances!

I just received a summons from Midland Credit - they shoved it between the ornamental bars on my screen door. It was not in an envelope, and only had a paper clip holding all of the pages together. When I go to LASUPERIORCOURT.ORG to look for my case number, it states that it does not exist. These guys have been calling my cellphone and work phone almost everyday for the last 2 years, all to collect a thousand dollar debt. Although the court papers seem legit, and it tells me I have 30 days to respond, there are a couple of different dates on the summons (1/29/2016, 2/9/2016, and I just received the summons on 3/28/2016). These people are bullies, and half of them you can't even understand. Terrible, horrible company and employees...

I was recently told by my credit cards company (Care Credit) that they have sold my account to Midland Credit Management. I called the number they have provided and got ahold of them asking them to receive more information on my account and the amount they claim I owe. My account was sold to them on Feb 21st since then I have called back and each time they tell me to call back in 48 hours. The next time I call someone says call back in two days. The next time I call another person said wait to call back on the 16th of March. I called back and they still won't give me any information. I have even asked for them to provide proof of this debit and they keep saying they can't or they avoid my question. They keep hanging the phone up on me and yesterday they called telling me my account information is ready even after I had told them they aren't allowed to call me.

We have had this phone number for 2 3/4 years. The people who had this number before us have a MULTITUDE of collection agencies looking for them. Obviously, Midland does NOT update their info. It took me 5 minutes to obtain the previous scammers who had my phone #. Midland calls at least 3-5x week using different #'s and tactics, and even though we informed them we are NOT the people they are looking for... they continue to harass and call.

They send a letter with a phone number that does not get me to someone that can help me. They don't speak English. Don't waste your time calling. No one there will help you.

I do NOT know the person they keep calling about. I told them that two years ago. They have continued to call at all hours from 8am to 9 or 10 pm. Even if you do answer they do not respond, but will call back later under different phone no. So, today, after calling three times 8:20am, 9:51, 9:52 and 10:45 am... left no message. I called them. Person who answered was of foreign decent. His name I cannot recall. I explained the problem. Got a whole lot of what he had to do in order to stop the calls. Long and short, I told him one more call under even a different number I would sue! I was not nice. I hung up. OMG they just called again!!! Seriously? I am thinking of going to local news station. This is unreal.

Received a collection notice for a supposed loan of over $3,000. I sent them a letter requesting all loan documents (as I've never applied for a loan, except for my paid off mortgage). I then called the original "debtor" to find out what was going on. A man answered with a foreign accent. I said "Am I talking to someone India", and they disconnected me. I received a letter from Midland saying that their records were accurate and they would not let me see the original loan documents. Really? Seems there is no one out there that can help. It's an obvious scam.

In 2010, they served my daughter, who was 17 at that time. I never knew this until today March 4, 2016. I have contacted the court to set aside the judgement. I never had a card with the people they claimed to have bought this debt with. I had my ID stolen back in 2001 and I am still trying get this straightened out. The only reason I even found out about this was they have filed for a change of Attorney for the creditor. I just received this in today's mail. I am a stay at home dad and no Granddad. I have had 1 credit card in my life. This is such bull hockey!

Received a call this morning, Saturday, at 8:16 a.m. from Midland Credit Management - was looking for someone with the same (and very common) last name as me. How dare these people wake my entire household with a cold call. WAKE UP MIDLAND - I'm sure you can recognize common names and the possibility that the individual you are calling at 8:16 a.m. on a weekend IS NOT THE PERSON YOU MAY BE LOOKING FOR. Shame on this company for this type of practice, which should be illegal.

I received a scam letter saying they are trying to collect a debt for Synchrony Bank/Amazon.com. I spoke with Amazon and there has never been any debt owed by me to them. Whenever I bought anything from Amazon it was paid for at time of purchase and they agreed. I read many online complaints in the past couple of days about Midland credit being a scam operation and the public should be warned and not send them money because you are afraid of collections companies ruining your credit. Something serious will be done someday about the lowlife scammers in the world.

Midland Credit has been calling our house for years now. When I answer, they say, "Ann?" "Are you Ann ** or Ann **" They have been told, repeatedly, that they have a wrong number. No person named Ann has ever lived at our house, nor are we associated with such a person. Midland Credit has also been told to take our number off their list or out of their computer system and to stop calling. Today, 1-25-16 at 11:21 a.m., they called our home again; but we chose not to answer. The consequences are that we continue to be harassed by Midland Credit. Harassment is illegal.

I received a letter from this company stating I owe T-Mobile over $1100. I NEVER had an account with this company, I use prepaid only! Anyway, I called Midland to tell them to send me proof but they said they would not until I give them my personal information, which I will not do. I am sure we will be hounded now hopefully they don't have our phone number.

Midland credit claims I owe Verizon California and has continued to contact me via mail and phone calls 3 or more times per day at all hours of the day and night. And when I contacted Verizon, they said I had no debt and that they said that they do not even use this company to collect debts, so to just disregard any mail from them. And to this day I still get mail from them and it has been 6 years. I recommend anyone dealing with company to check whether you actually owe anything from the original company because Midland is a bunch of scam artists who will take money from innocent people.

This company does not like to play nice. They would call us so many times daily, my husband would become very agitated. I've tried to set up payment, which they refused. I lose sleep at night because they keep suing me and threatening to freeze my accounts and garnish me. They wanted my account numbers, employer, SSN, everything before they sued me the first time. When I asked how much they paid for my debt, they reported to my credit that I was disputing the debt.

So apparently this company is collecting money from a debt that you have. When you contact the company from which they say you have the debt from they know nothingness about it. They give out your information to anyone, I now have a problem where my information is being passed around to random people who they think are related to me in some sort of way. This is a scam and if in fact you supposedly owe a debt, they are breaking the law by speaking to other people about your personal account. Call your bank before you even continue to speak to these people.

Midland Credit Management started calling my house at 6:30am new year's day. I informed them they have the wrong number. The person they are looking for has never lived at this number. Now they are calling, looking for someone else who I do not know and they won't stop!

Midland Credit will file judgements after the stats have run out. I fought with them for 2 months before getting the stats' date and they filed 7 months after. Get a hold of the credit agencies and have it remove due to that fact if it applies to you. I think the other thing that helped was I told them I was going to show up to their place and have them arrested for illegal activity. That's the best I can do to help others

Yesterday afternoon, I received a call (from someone with a very heavy foreign accent, and a very Anglo 'name') who said he was a representative of Midland Credit, and that he wanted to talk to me about an $800+ debt on a (mumble-mumble - may have been Lowe's) credit account. I do not know, and have never had, a Lowe's account, and in fact every account I or my husband have is either fully paid off, or is completely up to date. I told him that, and then told him I would not be defrauded by them, and was going to hang up (and did so).

I received a summons requiring me to be in court in less than 14 days from Midland. Apparently they bought a debt that was written off from Amazon. What bothers me is I have never had a Amazon credit card. States it was opened Jan 2013 and last payment of July 2013. And written off Feb, 2014. I have had an Amazon account for over 10 years and have always paid with my debit card from my bank. This company are crooks. I NEVER once received any information pertaining this debt or even 1 phone call. There is no documentation with the summons showing any type of proof. Midland bases itself out of Minnesota so how are they able to even sue in the state of IL??

Who the hell are these guys? I gather from other reviews that they are a scum of the Earth collection agency. I keep getting calls from them and I am not past due on anything.

I called this agency after receiving a call about a debt that I had with Amazon, whom I'm assuming sold the debt to Midland. I called to try and settle the account by establishing some sort of payment plan and lump sum payment later on. I informed them that I would be recording the call for my records as they do and they were ok with it, but then they kept hanging up on me. I called 4 times in one day and each time they would "transfer" me to someone, but then would just hang up. I talked to Ricky ** (if that is his name) and he was not helpful and even hung up on me while I was trying to negotiate with them.

Midland Credit has called me everyday for over 2 months now, they won't leave a message and just keep calling. I never answered and had to find out the company number through doing a Google search. I finally called them today and told them to take me off their calling list and they said they would but they were also wanting all my information to verify my account. I didn't give it to them and the lady just transferred me to who knows where and didn't even say anything, I just ended up hanging up. I am tired of them trying to call and if it is regarding my Best Buy account they shouldn't be harassing me anymore because of the 7 year statute of limitations on that account. I am furious and want this stopped!!!

Call today from a foreign gentleman regarding a "personal matter" insisting I return call TODAY. I tried the toll-free number left with my 80-year-old mother and a female answered and said she had not called, didn't know the gentlemen that called and had no extension with 5 digits and then hung up. I retrieved number from caller id and a male answered this time. He wanted Social Security number, address, phone numbers etc., but refused to give any identifying information on himself?

They called my home phone # which was unlisted and asked me how I was going to deal with my 1900$ on a credit card for Best Buy that didn't exist. They kept trying to ask for my social, I called Best Buy saying this company was calling me and they told me that they would only ever call me about that from a Best Buy #, and I never had any account or credit card on record for them. I called them back after they kept trying to ask for my social and told them everything Best Buy told me, they then said "well isn't your social **" to which I responded "no." They were pretty quick to hang up, I plan on filing a police report with them this weekend.

Watch out for this company. They served me with papers and refused to answer ANY questions about the debt. I had to hire an attorney who went to court with them a year ago and agreed to a payment plan. We never received the agreed upon paperwork from them. Fast forward a year, we get notice for a full blown trial at court the day before the trial. No warning, no papers served, nothing. They insist they served the attorney so it wasn't their problem. It was a fluke we found out about the trial and who could even prepare for a trial in that time? They're sneaky, dishonest, snakes.

Midland Credit is the worst. I was making timely payments on an old Best Buy credit card and they still put a judgment on my credit report. They said the reason they put the judgment on my credit report was because I didn't sign a form and send it back to them. They never sent me a form to begin with. Then when I asked to have my recorded conversation reviewed by a supervisor, the supervisor then says I agreed to send in the form, she heard it on the tape. When I asked her to hear the recorded conversation she said, "We don't do that." So now my question is why would I make payments every month on an account that Midland has now reported as a judgment and significantly dropped my credit score? I am so done with this company and their debt, if I am going to have this on my credit report, what is the incentive to finish paying?

It seems to me that this company is just after filing lawsuits and winning by default of judgment by the consumer not replying to the lawsuit. They almost caught me in this trap. Here is my experience. I had a card with Best Buy that was charged off and bought by Midland Funding. The very first contact I had from Midland Funding was by John **. I told him that I wanted to take care of the account and that I could pay $50 a month. He told me that he could not accept $50 a month. He requested I at least pay $100 a month. I explained to him and told him our financial situation. I asked if I could send in $50 until things improve and he said he will not accept any payment less than $100 and he will file a judgement against me. He told me the only way to avoid lawsuit was to pay $50 today and automatically draw out $100 a month. He scared me into making that arrangement even though I did not have the funds to do that.

Midland Credit Management repeatedly calls my house for a distant relative 3-4 times a day. In the mornings, the collector calls twice within 50 minutes. This is in violation of the FDCPA. I have repeatedly told them that the relative does not reside here and never has. Supposedly, I have been removed from the calling list but still receive 3 calls a day, which is still in violation of the FDCPA.

They keep calling and when I answer, no one is there. Today I was pissed so called back and asked to speak to a supervisor. The person who answered was shocked I didn't want to speak to them. "Jeff" gets on the phone and apparently they are after my son, who doesn't even live here. He hasn't had any credit cards for years, so they must purchase old debt from the credit card companies. He could not answer why they hang up when I answer, which appears to be a common complaint. Something made me ask where he was located and when he replied "India" I lost it, told him very unpolitely and not politically correct where he could go and what he could do and what he could go. These people are scum. I did read a post that all 3 credit bureaus will remove them if you write to them. Scumbag collection agency that outsources their call center. Can't get any lower.

I owe a past due credit card since 2013 - and I keep getting calls from Midland Funding LLC. Now they are helping me with a payment arrangement but they want my checking account number to withdraw payments. I am not comfortable with this, and if I don't do this, then they say they will liquidate my assets or garnish my check to pay for this credit card. I don't give my checking account number over the phone for any reason, and he has assured me that it is safe, but is it? I want to mail him a money order every month for payment, but they say they won't accept that - what do I do?

I've been dealing with Midland for two years now over a credit card that I had three years ago. They bug me to three times a day and when I don't pick up the phone. When I call in Hampshire they like to threaten me with court and all other kinds of things. I have Argued with them many times. This last time they called I checked with the creditor they're calling about and they wrote off that debt years ago so I know this is a scam to get my money. They called the game tonight and I told him to forget my phone number that has been written off. And I know they're nothing but a scam and I will file harassment charges. And if they knew anything about collections, they are based here in Georgia, and they would know that you can't sue a person on disability for a credit card that is coming from the Social Security administration.

I paid a collection that was on my credit report. Started Feb 2015, last payment was April 2015 because they were calling and calling me everyday. So I set up a payment plan and paid them off but when I asked for the information to the company they were collecting on they could not provide me with any. I feel they are a fraud and illegally got me to pay on an account when they cannot give me any information on the company they suppose to have collected for. I have contacted them and they are giving me the runaround. They are reporting on the 3 major bureaus.

Midland Funding LLC sued me. I'm not the person that own the debt - That person just same as my name. They work too sloppy. It took me a time and work. Why they can sue a person to pay amount of debt to them just because of similar names?

Midland Collection is the worst debt collection that I have ever across. Midland Collection calls 2-3 times a day, how is this legal to harass someone. They tell you that they want to help you but in all truth is to make you pay more money out of pocket. Why should people be held accountable for paying their debt while MIDLAND COLLECTION overcharge you and break their agreement.

I offered them their suggested settlement of $1795.80 but they said that offer is no longer offered and they will not offer any settlement. They want the whole amount of $2,993.00. They have sent me nothing since 2013. I looked online last week and the offer still stood but apparently a week later after looking at website they will not work with me.

I start getting calls from this company 2 weeks ago, but when I answer the phone it was silent. So I called them and told them that I don't owe any money and requested that they stop calling, and the person I talked to said that he was going to take my number off the calling list. But 2 hours later I get another call from them and again no one talked. So I called again and talked to a woman this time and told her I've requested my number be removed, and she said that it was, and that it takes time for their computer to take my phone number off. I also asked why no one talked when I answer and she told me it's probably off their computer glitch. They told me they were looking for some name ** and I told her that I don't know anyone by that name and stop calling me. But just five mins ago I got another called from them. Do they actually take off number when they say they would?

MCM continue to harass people even for amounts that should have never been charged in the first place. Quit call, mailing... I don't owe you anything. Quit attacking my other credit card accounts.

I have been dealing with this company for about 6 years now. They keep telling me I owe them money but every time they call it's a different amount. The credit card they say that I owe money for had an original credit limit of 250. They say I owe them anywhere from 500-716. I can never get a straight answer. I have tried to make a one time payment of 400 just to make them go away. However they will not work with me at all. I have told them this debt isn't even mine. It was taken out by my ex husband but I just want this negative remark taken off my credit report so I would be willing to pay them something to which their answer was basically "Too bad. Pay the whole amount." (whichever they chose for that day).

This company contacted me saying I owed for a past due medical bill. Well I was in a car accident in 2007, broke my neck and suffered brain damage. Left me with a little short term memory. I took it that maybe I did owe this and they told me if I could pay something today, they could settle the account for half. They were very professional. I got the lady's name, her number. I told her I would pay her $25 today but it would be a one time payment. I do not let people automatically draft my account. She asked me could she record this and I said yes and I gave them my checking information. They drew out $25 back on March 13 2015. I have never had any other contact with them. I told them I would call them when I had the money to pay more.

I myself called Midland Funding requesting for a pay for delete. They didn't agree at first. They said it would be put in as paid in full but not off my report completely. I said I didn't want to pay if it isn't off. They tries to then tell me it's more positive than negative if I pay and I continued to say I won't pay unless it's deleted. He agreed and I settled out the balance since I didn't have a lot of money. They never deleted it off my credit. When I called back to tell them they said they don't do that which means the guy straight up lied to me.

My sister received a letter in the mail today claiming that she owes over $10,000 for a Citibank account. She had an account from Citibank that has been closed over a year ago, and the account number that Midland used not only is not the 'REAL' account number but the number they used was way too long. She called Citibank today and they could not find the account and was told that the account number she provided, from Midland, is not a valid account number. If you receive any mail from this company I will tell you personally that this is a complete scam.

Well today I receive a letter from this MCM company stating that I owe $7,000 from the original creditor of Target National Bank. First of all I never had anything accounts with this bank, never even heard of them. So I tried to call to see if this is legit or not and the phone number I called was 8003213809 and it keeps saying, "All circuits are busy. Please try again later." So I am assuming this must be a scam. I refuse to give out any personal information, and I will continue to try and see if this is a legit company, by which the looks of it seem to have a bunch of angry companies.

This company continues to misrepresent itself to me by repeatedly calling me after I have requested they no longer do so. I have filed multiple complaints against them and now simply block their calls.

Midland Credit Management Inc. has been sending collection notices to my mother for 3 and a half years now. They call her incessantly before 9:00 AM Eastern, and after 9:00 PM. I am her power of attorney in financial matters since my father passed in 2011. So I sent this letter to MCM in order to address the account, and to discern if the FIA Card Services Account they are trying to collect for was in fact hers. They received it, but still choose to harass and harangue my mother, and will not discuss the matter with me further. They "require" her last four of her social, which I will not give due to one of my brothers had used this to open a fraudulent account elsewhere. I had referenced the account number, mailing address and name. The fact is that she never had a Bank of America Card in her name. She did have an AMEX which was paid off years ago.

They sent a letter to my mother saying that it is time sensitive and if I paid them 287.00 my account would be considered paid in full. Then they asked for $184.13. This is a scam!!!!

DON'T LET YOURSELF BECOME A VICTIM OF FRAUD. PROTECT YOURSELF. ASK THE RIGHT QUESTIONS. NEVER GIVE PERSONAL INFORMATION OR MONEY BEFORE CHECKING THE SOURCE.

I received a call from one of their numbers (8665805551) at my place of employment. They called and when I answered they hung up. It's frustrating because I am a debt collector myself and reading these reviews make me feel so angry that a company would operate this way. I tried to call back to inform them they are calling a place of business and they accused me of being some chick named **. It really makes me angry when collection agencies treat people like this knowing they have the wrong number, especially when there are legit agencies who get accused of being scammers due to idiots like this.

I had financial problem at begin of my divorce and consequently my bill went to collect agency. As soon as my credit tracking made available the name of the collect agency, I started to pay the amount to avoid to be disturbed by them. I was wrong, they begin to call me 10 times every day. For few times I answered the phone and explained that I was in class and couldn't talk at moment, but the stupid operator did not stop to talking. It happened 7 times. Today after check my phone I saw 3 miss call from them. I called back to ask WTF is going on because I don't have any late payment, and they don't (F) stop to call me. In short, my life has been a living hell with Midland and I cannot get a reasonable answer why they keep calling me if I have been making my payments on time.

Midland sued me in 2013 on behalf of JC Penneys. I won & the case was dismissed on April 1, 2013 yet Midland continues to harass me daily via several phone calls & letters in the mail that they confirmed my dispute with all 3 credit agencies, and I still owe them money of which I never owed in the first place! I provided my zero balance statements to the Court & to Midlands Attorneys who dismissed my case in 2013! Today, 3-2-2015, I am still receiving letters and phone calls that I owe this debt. So today I phone Midlands Attorney **, who confirmed my case was dismissed and closed on April 1, 2013 and that she sent Midland a code to remove from my credit report in April 2013, of which Midland never did!

I have proven that the debt they claim I owe was never mine. Even the original company T-Mobile agreed and took it off my credit report. That was in 2008. In 2010 it seems this debt that T-Mobile disposed of was sold in bulk to Midland. Midland has since every 3 month updated on my credit report that the debt is current, changing the dates as they see fit. Numerous calls to various "managers" at Midland have resulted in being threatened to have the police come arrest me for my outstanding debt which is against the law and threats of civil action.

Staffed by neanderthals -- On top of being annoying and persistent spam, the callers are idiots. Here is a word for word account of the call I had. "Hello?" Man on the other end- "Michael?" "No, I think you have the wrong number." Man- "Is this Michael?" "No, there's no Michael here." Man- "Can I speak to Michael?"

I have also received a random letter in the mail with wrong name, stating that I owe a debt from T-Mobile phone and to settle that debt at a huge discount with a payment stub attached on the bottom of letter. Clearly this is a scam to scare people into thinking they owe a debt, this is the same as the Nigeria Scams into sending them money upfront to gain an inheritance or free found money in return, once you send in any types of money to pay off, these guys disappear, and you see nothing in return. Do not indulge in these scare tactics.

Have been getting calls from these "people" for the past few weeks. Never leave messages. No messages, no communication. Thank God for caller ID. Will not deal with any company that won't leave a message. As we're in a bankruptcy already, we KNOW we owe... Thanks.

I received a notice about an old bill I never paid. I went to the MCM website & setup a payment agreement for 6 monthly payments. It was set up to be taken from my account on the 8th of every month. When it came time for the 2nd payment they NEVER took the payment. I called 6 times over 2 days and was transferred to an extension no one ever answered. So, they won't let me make a payment & they won't take the payment. I am out $434.58 (the first payment) and I can't find a way to get them to help or find another way to make a payment. So much for trying to do the right thing.

I received a rapid succession of harassing phone calls on 1-6-15 and 1-17-15 from this firm. It turns out they were trying to reach someone else. Nonetheless, they pretty much went up to the act (FDCPA) and broke many of the provisions. Please review CAREFULLY the STATUTE. On 1/23/15 I sent a demand for settlement and a copy of the proposed lawsuit. After reaching out to them to verify receipt, they stated that someone would get back to me in writing within 10 to 14 business days. Because of the significant body of case law going against them, I am persuaded to extend the self-imposed deadline and see if they do, in fact, contact me as promised.

Several years ago Congress gave bottom level collection companies the green light to come after decent people by giving them notice to correct interest with a window of time to raise the rates. This happened on every credit card that I had raised to as much as 25%, even though they were all current, and I found myself without funds to pay even the minimum on all of them each month, so I continued to pay what I could and then didn't on what I could not.

About once a week I get a call through my main work phone from the 877-411-5551. It forwards to me via work email and all I hear is people talking in the background and then they hang up. No message. No idea what it's about. Never received anything in the mail. The upshot is that it's all recorded in audio files. I simply don't respond to unknown calls.

This company must think they are above the law. They won a garnishment case against me in 2014, but I have since filed bankruptcy. They continue to garnish my wages, which is against the law! I have already contacted my attorney, and will be waiting for them to return my money to me!

These horrible people pretend to be attorneys who threaten to sue you in court for old debt. They report debt as if it is current to the 3 credit bureaus. They should be shut down and imprisoned.

The company did not hold their end of the agreement which was to remove the account from my credit report and then denied that they agreed to do so. After review they agreed to issue a refund check and expedite within a week. However after waiting a week and calling back I was told it will be up to six weeks. Not one time have I been told the same thing twice. Every time I call I get transferred numerous times and told several different things and not one agreement has been held up on this company's end.

Midland was calling and harassing an elderly relative of mine. They told him they were looking for me. He gave me the # off his caller ID. I called them, asked why they were calling him. They denied it saying how did I know it was them calling. I informed them by just putting their number on a search engine it has hundreds of people reporting it is MCM!! Silence on their end. I informed them not to be harassing a 95-year old man. They then send me an offer by mail to settle my account. Option 1 get 40% off, Option 2 20% off, or Option 3 call to get more options.

Ok, I had a debt, but could not afford to pay it. The debt was sold several times, and in Texas they have 4 years from the time you make a last payment to the debtor to sue. Check guidelines for your state. They sent me letters, and when they did not get a result they sued me. My advice would be to get an attorney to handle it anytime before or after they sue, just don't let it go to court without an attorney. They will place a judgement against you and then you will owe the whole thing. I hired an attorney, and my attorney said they would either get it resolved completely or with minimal owed. The attorney accepted monthly payments from me, and they resolved the debt for 10% of the amount owed, payable in monthly installments to MCM. This was all worked out satisfactorily as I can afford to pay the lesser amount in monthly installments. I feel like MCM would have worked with me but I don't believe I would have received this result. I would not recommend doing this on your own. Go ahead and call the debt attorney to see what options you have. They deal with this daily.

They alleged that I was told in advanced that I owe money, yet I never received any documents of any kind. Had it not been for Credit Karma I never would've known about the collection. I contacted them and nothing changed. In a world full of scams I'm well paranoid about things of this nature. Apparently I owe medical for this year, yet I have not seen a doctor since 2011 and I had medical insurance. Now I'm unemployed and cash to pay a bill I know nothing about? I just have no idea what to do and I can't pay, not at this moment. *Contact via email preferred.*

This "company" called my husband's ex, his daughter, shirttail relatives, basically everyone with ANY relation to him via sites like Spokeo, and Intellius, sending everyone into a panic. My husband is a heart attack survivor and was very distressed, especially since he owes no debt. I hope the feds can end this financial terrorism of people and rein in these so called "debt recovery specialists" who are associated with mega banks and greedy financial organizations who are in no need of any more income. Shame on them.

I called the company to discuss my account in collections. I asked them for the total that I had to pay. They told me the amount. I also asked for the name of the person that was handling the case. They would not give it to me. They told me that I had to write them a letter to clear it so that they could tell me about my account. I even asked them if I had the money in a couple of days and they would not give me an answer. I don't even have an address to send them a letter. I really want to pay this off but now I guess I will be delayed in getting the account paid off. What an inconvenience for me.

This scumbag outfit has been calling me for several months trying to collect on a debt. They will not tell me who the debt is with until I verify my address and full social security number or they will rattle off a generic name of an organization I have never heard of when I press them for information. My answer is always the same: “If YOU want me to pay you, you have to prove I owe by sending me proof in the mail to the address you have on file.” This includes the original debtor and their account number. I refuse to do business like this with a company I am unfamiliar with on a bill which they will only tell me the amount and not who the original debtor is. Most of the time, I get hung up on before I can finish telling them it is their responsibility to provide the information in writing.

For the past year Midland Credit Management has been calling our home both through our telephone and our fax machine from 6:45 AM to the evening hours. I have even put a block on their number and they still call. I have perfect credit and do not owe anyone anything. I don't understand why they are harassing us. They are looking for a person with a Spanish name who does not reside here. We told them that.

They keep calling and they hang up when I answer. I don't know what they want. They hang up as soon as I answer. I redialed the number and that's how I found who they were.

My husband lost his job and had a breakdown and left awhile which left me unable to pay a few creditors. After they went bad, Midland bought my bad debt and harassed us relentlessly. Not just a call an hour but three, and we received letters in the mail, not delivered by a sheriff, made up to look like scary, threatening court documents from a Greene and Greene company telling me that they were going to have to freeze my accounts and garnish my wages if I didn't pay and basically give in to demands. I have five kids and at the time, one was a newborn. The thought of not being able to provide for them has me up and worried at four thirty in the morning. And if that weren't enough, I'm sure that they sold some of my information to scammers because when my husband asked them to please quit calling so much, not only were they rude, he says they laughed at him, but almost immediately we received calls from "you've won..." numerous times a day. This has been horrible. I wish I'd just been able to keep up payments with my original creditors.

For the past three days from 8AM until 9PM I have received a phone call every single hour. When My answerphone picks up they hang up. I received My three Credit Bureau Reports last week. Midland Credit was not in any of them. I did call Enhanced Recovery Company - PO Box 57547 Jacksonville, FL 32241- 904 680 2591 about an AT&T bill for $108 and asked about a settlement. These annoying calls started the next morning at 8AM. I find it hard to believe that they are not connected. I know that calling every hour all day long is against the law. I am a day sleeper so I find this harassment particularly annoying. I see when I put in the phone number that they are using 866-580-4780 that they are one of the most complained about companies (in the top three) this week. Do watch out because they are using other phone numbers. The only other accounts on My Credit Reports are Hospitals that have been there for 6 years and I am working with them to pay them off.

I received a letter from an atty. where in short I was responsible for two accounts. My wife, rest in peace babe, and I filed for bankruptcy due to medical bills. Well it never got that far. My wife passed away. I got some ins. money. I've been trying to find who holds my loans. I call Midland. We settle on an amount but they won't let me pay for 48 hours. I was never served papers which they admitted all letters were returned. The attys found me though. I told them the court ruling was null because I was never served. Any interested attys? Mr. ** has yet to return any info when I can pay. Today I paid another account, different company in ten minutes. Midland has my account number so I'm nervous. Everything they did was illegal. Watch out for this company!!!

I noticed them taking out 50 a month from my account and I did not authorize this and I cannot contact someone about this and I have received threatening calls saying I will lose my credibility as well as be sued for the remainder of account.

I know a lot of people have negative things to say about Midland but honestly, they had excellent customer service. The first time I called them I got someone in the US. I set up a payment/settlement plan with him. Then a few days later I found out that my account manager had been changed from the gentleman in the US to someone from India. I called the call center today and reached someone from Costa Rica and they were going to transfer me to the account manager in India and I kindly asked her to transfer me to the US which she did. When I reached someone from the US, she was extremely helpful. She changed my account manager back to a US manager and was very helpful the entire time. I know no one wants to have an account in collections but, this company wasn't bad for me. The US call center was of course more polite and understanding than the India one. My suggestion would be to request to speak to someone in the US.

Prior to the debt collection calls, my husband and I had never heard of Midland Credit Management. Our credit is in good standing and we don't have any issues keeping up to date with credit card payments. For months, my husband & I have been receiving debt collection calls (several times a day) for a debt incurred with Zales Jewelry company and T-Mobile. We have never made any transactions with Zales Jewelry company and have always been doing business with AT&T wireless. During 3 different calls, agents had divulged to us the complete name of the debt owner with my husband's first & last name that matched (but the middle initial is wrong) and so are the last 4 digits of the social security number. Other information they linked us to is a previous address in Phoenix, AZ. We told them that we never lived in that state.

Midland Credit Mgt (India account managers from 877-411-5551) - On June 6, 9:06 AM, received a call from the mentioned telephone number. When answered, a recording stated "this was an important call to please stay on the line and the next representative would be with me shortly." The recording further ID the caller as MIDLAND CREDIT MANAGEMENT debt collector attempting to collect a debt and the call would be recorded unless the representative was notified not to do so. Mistakenly thinking it was of similar name I held the line for three minutes and then hung up.

I am 70 w/ asthma, have trouble sleeping and am on oxygen, rudely awakened at 4:30 am cst. I know it is illegal in TN to call before 8am or after 9pm. Do I need an attorney?

I have been paying on this account for well over a year. Originally it was $859.00. I have paid it down to $429.00. I missed two payments because I moved to Arkansas from N. Dakota. My last correspondence with them was to write a note basically saying I was not represented by an attorney. There can be no way that two or three months interest can equal $1,224.00. They have refused to call me back or address this issue. I have check stubs that back me up. My acct #**. Please give me advice.

Received call from MCM concerning an account that was over 7 years old. I had tried to resolve with the original company back in 2006, but they refused to drop any of the late fees, etc. and I could not pay off what they were asking. Now MCM has bought this account and calling for me to resolve it with 'all the extra charges dropped'. I tried to explain I haven't been employed in several years and now cannot pay it. They were very condescending, constantly over-talked me and brought it to a personal level of telling me I needed to do the right thing and basically what goes around comes around. Each time I have tried to explain I get over-talked or cut off in the conversation... To me this is bullying tactics. There is NO PROFESSIONALISM with this company!!!

They have been calling me on average 5-9 time a day. Half the time when I answer, there is no one there so I hang up. I finally spoke to a Mike ** from New Delhi, India. I didn't give him any information and just kept demanding that he give me a physical address so that I can send him the "required" written notice to stop harassing me. He gave me this info: Plot 28P, Sector 44, Gurgaon, New Delhi, India. I have since received 4 calls in the past 20 minutes from 2 different #'s and 2 were withheld. I answered one of the "withheld" calls and he said that he needed my address to serve me with a summons. Well I didn't let him finish. I told him that he was in violation of the Fair Debt Collection Practices Act and that I was reporting him. I then hung up and he called back 2 more times which I did not answer. I had been through this once before and got an atty who filed a claim against the Debt Collection Agency and they also had to pay $2,000 fine. Of course, I never saw my portion which was supposed to be $1,000, but at least that company had to send me a letter stating that I did not owe them any money and they would not report negatively on my credit report.

This company has been harassing my 95 year old mother for months over a debt I owe. Now they have started calling a friend of mine who has nothing to do with any of this. I called them and asked them to stop calling others about my personal business. They said they would but they continue to call. I am 71 years old and these debts are a result of personal problems out of my control. I am on Social Security and unable to pay. Because of the age of these debts they told me they can't sue me but want me to pay them anyway. I explained that I couldn't and asked them to stop calling. I don't know how to make them stop other than filing complaints about their collection practices wherever I can.

Received 2 letters at my home address even though I never had an account with the Original Creditor (Citibank/Shell in my case). Got scared and checked my credit report for free online, verifying again that I NEVER had such an account and my credit was fine. Call their number 800 282 2644 - needless to say, got an Indian call center on the other line (operator confirmed). I asked how long I had that account. Operator, put me on hold, and most likely gave a good guess. Of course the guess was impossibly wrong. Unless they give credit cards prior to birth.

The person who called me was very polite and clearly from a law office in the US. So 5 stars on that. It did take him a while to get that I was the same person, but that they had my maiden name, and that I've been married for 6 years now. They are collecting on a Capital One debt for $600.00 that Asset Acceptance bought and sued me on, even though I agreed to $250.00 upfront and $200 monthly and paid $450.00 I didn't have just to avoid a judgement that they won't go out of their way to remove. Asset Acceptance is now Midland.

MCM has been collecting a debt all paid.

I received a letter from MCM indicating that I owe a bill to GE/Care credit from 2007. I called MCM on several occasions to request validation of the bill and every time they repeatedly send me their (MCM) bill. This went on for months. I was then served on 1/6/2014 by MCM attorney Finkelstein, Kerns, Steinberg & Cunningham to be in court on 2/4/2014. I then called FKSC the following day (1/7/2014) and explained that I repeatedly asked for some documents of this bill from GE/Care credit as I have no knowledge of this bill or if I even owe this bill. FKSC assured me that they will be forwarding immediately.

In February we made deal with this company to settle an old debt that they had filed court papers with. We agreed to pay 900.00 dollars upfront which we did and 500.00 dollars March 15. They then send a payment bill stating the balance is 600.00 dollars. Not what we agreed to on phone! Spent over two hours on phone talking to number of people in India with no satisfaction. Not even to office in San Diego. They have changed the agreement and refuse to stick to the original.

MCM put negative remarks on my credit report. The charges have not been validated. I have tried to call them to find out what is going on and the phone number listed on credit report is not working. I google them and find an address that matches address on credit report but that phone number is a number to a San Antonio apartment complex. This must be a fraudulent company. They cannot be reached. I have not received any mail from them. Also Midland Fund has also posted negative comment for the same account.

They started calling my cell phone last year. I finally answered and spoke to some foreign guy. I told him I will not pay a bill I know nothing about, nor pay for anything over the phone. Told him that there are too many scams going on and unless I receive all the proper information saying this was my bill, I will not pay. He said "so you are refusing to pay your bill," I told him "no...... I want proof that this is my bill." What they sent me was a typed up letter. They called me 2 days later and said "we sent you the bill now will you pay." I told them NO. First of all, when I say proper information, I want the signed contract that states this is my bill. I then informed him that there is a new law (I know in Texas). They have to have permission to call you on your cell phone now. He then asked do I have permission to call you on your cell phone. I told him no. Well the jerk just called again. I answered and said "on the date and time I told you no you cannot call my cell phone and I wanted the recording of that conversation." He hung up on me. I have just typed up a letter and will be taking it to my lawyers in the morning.

Calls before 9 am est. They have about 4 times in the last 24 hours. This morning they called at 8:46 am e.s.t. I work second shift and they woke me up, not a way to be woke up. They don't even want me. They want to talk to my daughter.

This num calls me 8 to 9 times a day every day and I have no clue who they are. They never leave a message and I am sick of them.

I too have been harassed by this company for years now. They keep calling every day for a debt that first of all was to be paid off with a claim made several years ago. The debit is unsecured and also past the statue of limitation. I went into the hospital and had someone watching my house. Midland was told by the house sitter that I was in the hospital and would not be available for a while. Midland continued to call every day and sometimes two or three times. As of this morning Midland Credit management was told not to call the house again. They were told six months ago to not call the house and to make all correspondence by mail. I am documenting every time they call. This is now harassment...

I became aware of this Midland Collections after I began to build my credit. While being married, my wife, most of the time, secured credit in her name. After the divorce, this tactic back fired on me. I had a couple of small debts on my credit report and hired a credit repair company. I started to pay off these small (under $500) debts and then the rebuild co somehow got them taken off of my report. All except for one. I wrote to this company asking for verification of the debt, sent via USPS registered mail with return receipt. It went unanswered. The debt was then sold to Midland Collections. The Repair Credit company has disputed this debt for over a year now, so have I.

Around 2 years ago I started receiving calls from Midland Credit Management. They claimed I owed almost $1,900.00 to Verizon wireless. I told them at that time that I have never had an account through Verizon. The account was in my name, but not my address. I freaked out thinking someone had stolen my identity. I asked them to send proof of the loan (i.e. the contract, the phone calls that were made, etc) so that I could track down who may have stolen my identity. I had to send them written notice that I disputed the bill, which I did. They claimed they never got it. So I did it again, and this time I sent it certified mail. Someone signed for it, it was not very legible, but it was signed for. They claimed they never got it.

I get no less than 4 calls per day from these people, sometimes more. I have no idea who they are (other than their company name). I have no bills in collection. I am not late on a single payment to anyone. They have no business calling me several times per day, at all hours of the day. They call anywhere from 6:00am to 11:00pm. My return phone calls to "take me off your list" are not answered, directing me to a "full voicemail box" that will not take a message. This is harassment, clear and simple, for no legitimate reason whatsoever.

We continue to receive debt collection calls to a telephone number we were assigned two years ago. We are not the party that they are looking for. The calls come from a call center in India. The callers are rude, deceptive and not willing to help. They also lie about their names and call at all hours of the day. They also misrepresent where they are calling from. I highly recommend anyone receiving calls from this company report them. I was finally able to speak with a representative in the United States after insisting I be transferred. INSIST TO BE TRANSFERRED TO THE U.S. They will not until you repeatedly insist. Hopefully this matter has been resolved.

I began getting calls regarding this account, which was originally through Freedman Jewelers; they went out of business now. I'm receiving calls from a company stating I owe $1,183. They stated that they cannot sue me; however, they can keep adding interest on this account. I told them that I have spoken to a lawyer and that the statute of limitations are up, and I know they can't sue me. They wanted to set up a payment arrangement. I told them no, that I do good to live month-to-month. I have a disabled son and I am also disabled. Told them I no longer wanted phone calls or any letters regarding this debt, or I would also report them.

Although I was not sure if this debt belonged to me, I went through great lengths to make sure that it was paid before it hit my credit report. Therefore, I settled the debt only to have it placed on my credit report anyway. Now 11 calls (yes, 11 calls) to them later and I still have not been able to get this off of my report. This company is the worst and I plan on making sure that my incident is provided to thousands of people all over the world!

So, I have not received the calls yet and I am worried about that. I plan on sending them a debt validation letter but on the back, it says that I have to send one within 30 days. Well, I only noticed that recently but there are no dates on the letter except for the due by 2/16/2013, in which I didn't even have the letter at that time. Anyway, my situation is from T-Mobile; my bill was $75. It went to the first creditor and I got a cancellation fee which is false because I wasn't under contract. The amount came to $275.34. Then MCM bought it and said that I owed $623.23 and that I canceled two lines. Well, I never had two lines for the seven years I had them. So after reading all these posts, if they take me to court, I will be there bright and early. As far as the hassle with the credit score, I am stubborn and so I will haggle with them until I get the results I want. A $75 bill went to $623.23? It's craziness. Besides I don't owe them anything; I owe T-Mobile and they refuse to fix the wrong!

They tried to collect a debt (I checked and it isn't mine, just same last name) on 2.7.13, and when I sent a debt verification letter, they didn't answer. Since last week, they started harassing me, my family (on "do not call" numbers) and business where I work. Also, they sent another letter to my work. It looks like they only know that address, and now I'll take them in court and get some money with my attorney. Just watch for those scammers; don't tell them anything before they can prove your debt!

MCM keeps calling my work leaving the eight hundred number to return the call. I returned the call and the only information given to me was that it was trying to collect a debt. Calls are being placed twice a day. My employers are not happy asking me, "What's going on," which was none of their business until MCM started placing the calls. It is illegal for collection agencies to call places of employment as well as personal cell phones. I let MCM know I was aware of the law. With no concern, MCM continues to call my work.

MCM continues to call my job after being asked not to call. MCM calls and leaves messages along with the eight hundred number for me to return a call. It is illegal for collection agencies to harass people on the job and personal cell phones. I informed MCM of being aware of this but MCM continues to call for me at my job.

Midland contacted me about an Embarq debt under my name on an account that ran from 2007 through 2009. We confirmed the spelling of my full name three times. When I asked to dispute the account, the agent made very clear the sum they were asking for at that time was a discount that I would not see again. He explained that because the account was active for two years, it would be difficult for me to dispute it. My credit reports show no delinquent accounts. Century Link, who now owns Embarq, has no record of a delinquent account under my name or the account number Midland gave me. I called Midland back. They now tell me the delinquent account in question is not under my name. Again during our first conversation, we verified the spelling of my full name three times. And the repeated pressure to pay now or things may get more expensive, with this, being difficult to dispute.

My husband was contacted by this company. They won't validate the debt. We disputed the debt through the CRA, it was removed. The name was removed under Midland Credit Management/MCM. They changed the name of the company to re-add it to CRA against FCRA because we were never notified it was returned. They are reporting the account as open. We asked for validation, they haven't, to date yet they send me letters monthly demanding payment or settlement. I reported them to the BBB and FTC. FTC gave me a file number for deceptive business practices. This company doing the dirty underhanded reporting cost us our home loan because they knocked my husband's credit from a 640 to 578. They need to be shut down. This is unfair to say the least. Contact at Midland Credit was Dieana **.

They have called me 5 times today - all robot calls. When I waited, a foreigner started in about someone that was not me. I asked for their number and he gave me 888-265-8825 and the company was MCM. I see now that it’s Midland Credit Management. Someone needs to post to a site where we all can post our real names and numbers and get one attorney to sue them in joint venture and put their ass out of business. They are terrible people. They talked nasty and are mean and I wasn't even who they were looking for.

I called to make arrangements on a past due account when I received a pre-legal notification without any prior notices. I asked to make arrangements to pay $50 down and $50/month because I receive disability and was told it wasn't possible and that it wasn't his problem if I couldn't pay or if my daughter and I went without food to try to pay their $250 down payment. Jeff didn't even try to make an arrangement and refused to pass me on to management. He kept saying he was trying to get me off the phone so he could go on his day.

I received a letter from them and so I called and asked what it was pertaining to, and they said I owed for a Dell computer and I know it was not true because I paid it off 8 years ago. Then I asked them to send a copy of that transaction and when I received it, I saw that it said I paid it off but it showed that I owed for 2 web cams and an antivirus I ordered in August of 2006. So I called them and told them I don't owe for the laptop, just the antivirus and the reason why I haven't paid for it is because I didn't receive a bill from them. But, they sent a letter saying they're going to report me to the credit reporting agency because I did not pay the bill. So, I called and told them I didn't receive a bill and the billing address they have on file is wrong because I never lived in the Bronx and they still refuse to send the bill here. So I didn't pay it. Now, I called them trying to tell them I am willing to make a payment plan with them and they hung up on me without hearing what I have to say and I'm tired of dealing with them giving me the runaround.

I am receiving constant phone calls from someone representing this company who is clearly in India. They call all times, day and night, and call me back multiple times after I have hung up. It is in reference to a balance from T-Mobile that I long ago formally disputed with that company. It has already been placed on my credit reports. I want these phone calls to stop. As you can see on your blog, there are hundreds of complaints against this company. They need to be sanctioned.

Midland Credit Management has inserted a total of 3 accounts on my credit report. The data they are reporting is inaccurate as they are misrepresenting themselves as a factoring company and they are maliciously re-aging the accounts. This business has repeatedly verified this false information as I've attempted to dispute the accounts on my credit reports. And I've been unable to get information regarding the alleged debts to determine if the debts do in fact belong to me as the details are unfamiliar to me. Midland Credit’s management has duplicated one of the entries by entering the same account under Midland Funding, which is the same business operating under another name. I have filed a complaint with the Better Business Bureau and this company has ignored the complaint just as they have ignored my requests for additional information regarding the alleged debts. These business practices violate consumer protection laws and this business should be shut down.

I was contacted in July 2011 by MCM (Deborah **) in an attempt to settle a debt. Ms. Deborah accepted $50.00 and I agreed to pay $150 per month until March 2012, at which time, the debt would be considered "satisfied for a lesser amount" and reported to the 3 credit bureaus. I called in my payment monthly; at times, I was told by Deborah that she had "sent me a letter", but I never received any correspondence other than the monthly statements. In January 2012, Deborah told me I had only 2 payments left and she was glad I had worked so diligently to keep my agreement. Today (2/29/12), I called to make the last 2 payments (under our agreement in July 2011) and was told that this debt is not paid in full, that I owe an additional $4,200+. We had a discussion; she acknowledged that I am upset. I asked for an approval code for today's payment and she said she would call me back. I'm going to have a witness for all future conversations. There was no resolution. Yes, I am very dissatisfied! Yes, this company is a scam!

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.

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.

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.

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.

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.

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 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.

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 $2,120.78 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. Additionally, 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.

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.

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?

These turkeys keep making robo-calls to me, and then, they think I will hold so they can harass me! Idiots. They are bugging me about a more-than 20-year old account with 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. Now, this MCM idiot is trying to collect over a thousand dollars! I am still refusing to pay. I won't tolerate their robo-calls, and I won't tolerate their hassles. I just keep telling them I don't owe that, and won't pay it, and even the IRS gives up after 7 years!

I have an old debt from probably 8 years ago from an SW Bell bill. I received many, many phone calls from Midland Credit, anywhere from 7 am to almost 9 pm. 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 now, they claim that I owe them an additional $98. 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 I have paid this debt, 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 cannot help when they cash the check. When they finally cashed it, the date had passed.

I called in behalf of an account that I used to have with Aspire Visa. They refused to give me their phone number. They didn't offer any help. After being put on hold for over 30 minutes, they either transfer you to a machine or they disconnect the call. One of the representatives even started laughing, and he made a comment that my accent was very funny.

I received a letter from MCM requesting a settlement on an account with CITIBANK USA. 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 received a collection letter in the mail from MCM for a past due account at United Credit National Bank. I've 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 kept stating was that if it wasn't my account, why would they have my information in their system. He couldn't even give information on where the account originated from, bank address or anything. My payment of $50 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 in 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?

They sent me a letter of debt from 1990 Citibank that I have no affiliation, MCM Account #**. When I visited the website, it shows my address with an incorrect NYC home phone number, **. Where did they get this info from? I am worried that they will damage my credit and may repossess or freeze my accounts as stated by others 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.

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.

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).

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.

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.