Midland Credit Management Reviews

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.