Midland Credit Management MCM Collection Complaints?

We Stop Unwanted Calls and Debt Collector Harassment.

Midland Credit Management, Inc or MCM is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is Midland Credit Management or MCM?

Midland Credit Management , Inc. or MCM is a collection agency and partner in a conglomeration of financial organizations based in San Diego, CA. Complaints against MCM allege efforts to collect unverified debts; inappropriate communication, including threats; misrepresentation; and other violations of the Fair Debt Collections Practices Act (FDCPA). If you are concerned because you have been contacted by MCM, make sure you understand your rights before taking action.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Midland Credit Management a scam?

They’re legit. Midland Credit Management is a legitimate debt collection agency located in San Diego, CA and employs “more than a thousand account managers around the world.” According to the Better Business Bureau (BBB), MCM was founded in 1953 and incorporated in 2000. The BBB opened its file on MCM in 1992. Buzzfile estimates MCM’s annual revenue at $334.5 million and its headquarters staff at 1,800.

Midland Credit Management is a subsidiary of Encore Capital Group. Encore Capital Group is prominent in the consumer debt purchasing industry and also manages 5 other corporations, including Midland Funding LLC. MCM has also founded the Consumer Credit Research Institute (CCRI), “a ground-breaking effort to differentiate and describe financially distressed consumers through the application of modern behavioral science methods,” by employing experts from business and academia to study and understand their behavior.

Unlike the websites of many collection agencies, MCM’s site is aimed directly at consumers and contains lots of information for people struggling with debt. MCM describes itself as “a company that helps consumers resolve past-due financial obligations…[by] empower[ing]…[them] through education and payment plans [to] help them return to a path toward improved financial health.” Their Help Center features a video explaining how MCM can “educate” consumers about financial literacy. They have posted a “consumer’s bill of rights” and a customer satisfaction survey. Consumer resources include the usual links to the credit reporting agencies and information about the FDCPA; but MCM also includes links to government programs for low-income households; food and healthcare assistance; and unemployment benefits.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Midland Credit Management – MCM?

The Consumer Financial Protection Bureau (CFPB) lists over 400 complaints against Midland Credit Management . The BBB lists 449 complaints against Midland Credit Management in the past three years, with 123 in the past 12 months. There are also 48 negative customer reviews. MCM’s image as a self-service site for chronically poor, debt-ridden consumers who need to be educated about financial literacy has resulted in complaints alleging that customer service agents ask personal questions; talk down to consumers; or are simply non-responsive. The BBB lists four Notices of Government Action for overly aggressive collection and debt purchasing activity. Justia lists at least 54 cases of civil litigation naming MCM as the defendant, with several more pages naming Encore Capital and its affiliates as defendants.

Contact Information

Midland Credit Management, Inc.
P.O. Box 939069
San Diego, CA 92193
Telephone: (800) 296-2657
Website: https://www.midlandcreditonline.com/

Can Midland Credit Management Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely MCM would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

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Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can I file a lawsuit against Midland Credit Management at no charge to me?

Absolutely. Here are Sample Cases filed in Federal Court

In September 2015, the Consumer Financial Protection Bureau (CFPB) issued a Consent Order against Encore Financial Group and its affiliated business entities, including MCM. The Order found that Encore and its affiliates, in the course of either purchasing delinquent debt or collecting delinquent debt, violated sections of the Consumer Financial Protection Act (CFPA); the Fair Debt Collections Practices Act (FDCPA); and the Fair Credit Reporting Act (FCRA). The Order identified Encore as a purchaser and collector of debt on a massive scale, and as one of the largest in the industry. Encore’s policy of competitive, for-profit, massive-scale debt purchasing and collection resulted in practices that routinely and deliberately avoided or even prohibited case-by-case examination of delinquent debt factors normally consistent with established legal and professional standards. For example, purchase agreements between Encore and debt sellers acknowledged that the balances owed on many of the accounts were approximations; that many of the accounts had passed statutes of limitations for litigation; or that the files otherwise contained inaccurate information.

Encore attempted to address these discrepancies simply by requesting from the debt sellers knowingly false statements that the account information had been previously verified by hard copy. Encore’s illegal collection activity included attempting to collect debts without a reasonable legal basis; filing lawsuits to force judgements against debtors who did not owe any money; knowingly filing against consumers legal affidavits containing false or misleading information; harassing consumers by making an excessive number of calls, sometimes more than 20 times in less than two days; and deliberately misrepresenting themselves by attempting to collect debts they knew the consumer did not owe, or refusing to acknowledge the validity of consumer disputes. The CFPB ordered hundreds of millions of dollars in fines, penalties, and restitution; and has required Encore to undergo a 5-year restructuring plan requiring strict reporting and monitoring of its business activities.

Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against MCM

April 13, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Texas. The case, against Midland Credit Management, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, plus other relief.

It’s common for debt to get passed around from one collection agency to another collection agency. Sometimes, debt buyers purchase large blocks of debt, and then farm it out to debt collection agencies to collect. Our client says that MCM began calling her about a debt. She subsequently told them that she had already made payment arrangements with a previous debt collection company, and requested that Midland Credit Management send her a written collection letter via email. Following that conversation, the debt collection agency called our client at least two more times that same day and at least twice the next day. Our client says that MCM also called our client’s ex-husband and disclosed information about the debt to him.

This lawsuit charges that Midland Credit Management violated the Fair Debt Collection Practices Act (FDCPA) by contacting third parties for purposes other than to obtain location information; and by communicating with a third party about an alleged debt; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt.

December 23, 2015. It is annoying when debt collection agencies call you repeatedly in an attempt to collect a debt. It is even more aggravating when the person the debt collector is calling isn’t even the person that the debt collector is trying to reach!

Our client claims that this is what happened to him. He alleges that MCM called him to try to collect a debt incurred by someone he didn’t know. He told the debt collector that it had the wrong number. However, our client claims that MCM called him three more times, even after he informed the debt collector that he wasn’t the person they were looking for.

Lemberg law has recently filed a suit on behalf of our client against Midland Credit Management. The suit was filed in U.S. District Court, Southern District of Indiana, and alleges that Midland Credit Management violated the Fair Debt Collection Practices Act by contacting our client on numerous occasions without his consent; by engaging in harassing behavior; by causing a phone to ring repeatedly to annoy and harass our client; and by using unfair and unconscionable means to collect a debt. It asks for statutory damages of $1,000, plus other relief.

Midland Credit Management Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Consumers have reported this agency harassing them from the following numbers:

  • 602-715-2970
  • 800-269-0280
  • 480-448-377
  • 662-374-53829
  • 877-434-3697
  • 602-715-2970
  • 858-221-0191

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Read more about your rights

What Our Clients are Saying

“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”

“Joann was so professional and helpful every time I had a question or needed help. Thank you so much for caring!”

“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! Thank you so much! It had been more than I anticipated.”

Can You Help Me Delete Midland Credit Management from My Credit Report?

Chances are we can. Call us today and we’ll tell you how we can help.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

18 COMMENTS
  • Cjf

    Set up Payment plan gave them my bank in now they are taking more payments out than agreed upon. they even sent me a letter on when they were taking a payment out.called them yesterday they told me they had to had the complaint to the original person I talked to

  • GENARO R

    Getting a lot calls from Midland regarding a pending civil claim. Message saying they need to get a statement from me before the claim is processed.

  • Brandon D

    I have a package coming from mcm st. Cloud tomorrow. Wtf would they be sending me…. More over to an address that I no longer live at.

  • Bryan K

    I’ve recently moved to another city. I got a notice from UPS that a package from MCM in Maple Grove, MN was left a for me at my old address. My former landlord is holding it for me. Why/What would this company be sending me a package. I do not remember ordering or ever even dealing with this company. Would a collect company send a package? I’m kind of scared to open it.

  • Amanda

    I was served papers last week from MCM suing me over a debt with synchrony bank for a balance less that 1k. I called and got a payoff in full offerfor 799. I paid that amount printed the page from my online acct before and after submitting the payment. The before page showed a payoff amount of 799. After I made the payment, it said I still had a balance of 171.00 and now almost a month later , I am notified by experian that they placed another delinquency on my report for an amount of 484.00…. WTH? All of this totaled is far and above the amount they are taking me to court over!!! Shady LLC. I’ll go to court because I have every persons name and time stamp I spoke with AND printed before and after pages when making that payoff payment! These people are seriously dumb and I’m confident the judge will say the same with all the prof I have. You can’t come back and say I owe you 600 more than what you reported to the courts… stupid

  • TRICIA R

    Russell Florence (compliance officer) just offered me my “last chance” and he’d be coming to my home today and if I’m not home they will be coming to my work for me to sign for papers. His closing statement was “see you in a few hours.” Yeah, that’s not freaking creepy and illegal. Bast*rds. The (fake, I’m sure) number on my caller ID was 513-729-6024 but I should call back to 888-203-3603 and ask for the Legal Dept. Called it… answered “MIDLAND, Cynthia, how can I help you?” so it’s direct to someone at Midland which is a collection agency. He left the same threatening messages with my son on his phone. First of all, he’s not me. Secondly, I’m not necessarily who you are looking for. Third, you’re breaking laws dumb dumb. And lastly, I’m really ticked off. Thanks for listening.

  • Lynda G

    Trying to settle credit card debt with Midland as they took over the debt, We settled on a monthly payment, they however refused to take my monthly payment by mail, they want access to my bank account, no one gets access to my account, I do not trust them!

  • Constance W

    I got a letter stating that I owed almost $1,000 to Synchrony Bank – Amazon from 2017. I have NEVER had an account or card with Synchrony Bank and I have never had a card with Amazon.

  • Candice

    Midland Credit bought an old debt I no longer owed, served my grandma who lived 650 miles away and filed a judgment against me. Then filed with the court to garnish my wages over an ELEVEN year old debt that they can’t prove that I owe. This is ridiculous!

  • Jimmie Shealey

    Same here as most above from MCM. I acknowledge a debt but they sent a pre legal statement out with an over inflated amount. They call numberous times daily.

  • Matt

    They keep calling me asking for chad stackhouse when they answered the phone they didn’t identify who they were what company the were calling from and why they were calling they answered the phone like it was there personal phone they kept asking for Chad stackhouse and when I said I wasnt him remove my number from your list they would then continue to speak not only that but they would call from other numbers asking for the same freaking person! What can I do to get this to stop

  • Dee

    Call everyday and never leave a message. I have no debt so it must be a scam.

  • Cynthia Wright

    Midland Credit Management has called me countless times. That’s on a daily basis as well. Yes, I do acknowledge a debt, but now they are sending me correspondence saying that they can have a lawyer in my state contact me for litigation for this said debt. I have tried to settle this debt, but they won’t settle for anything less than the full amount.

  • Lawrence G Carson

    I dont know who these people are,they never every called me or left me a letter,i got a email from UPS saying a package will arrive tomorrow,so I wondered who is sending it and it said MCM on the email.Do i refuse it or what?I googled it and its a company named Midland Credit Management.From what i’ve been reading they are a scam.Can you please reply back to me on my email,i’m very deaf in both ears?Thank you!

  • peggy denney

    I just recievewd a call from Midland Credit management on my work phone wanting to be paid for a credit card i do not or have not ever had..

  • Darlene

    I am getting UPS packages left at my door for my deceased brother. They won’t bug off. They are threatening me by telling me I have to pay his debt or send them proof he’s dead. Very troubling.

  • Greta Johansen

    I live in Maine and got a pre-leagal notice from mcm and I can’t pay them they want a little more that $1600. What should I do. If I ignore them will they go away like other set collector’s or will the sue me?

  • Tammy Wallsch

    I have excellent credit. There is no reason for Midland Credit to call me. They call from various states at all hours and they never leave a message. I keep blocking their numbers and they keep calling from different numbers. I have no outstanding debt.

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