Complaints

This profile includes complaints for Midland Credit Management Inc's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Midland Credit Management Inc has 38 locations, listed below.

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  Midland Credit Management Inc

  350 Camino de la Reina Ste 100 San Diego, CA 92108-3007

• 

  Midland Credit Management

  111 Franklin Rd SE Ste 400 Roanoke, VA 24011-2126

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  MCM Financial Services

  501 Franklin St SE Huntsville, AL 35801-4245

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  Midland Credit Management Inc

  4801 Olympia Park Plz Ste 4200 Louisville, KY 40241-8105

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  Midland Credit Management, Inc.

  13008 Telecom Dr Ste 350 Temple Terrace, FL 33637-0950

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/19/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ** ****** *** ****. I do not have a contract with MIDLAND CREDIT MANAGEMEN, they did not provide me with the original contract as I requested.

  Business Response

  Date: 08/28/2023

  See attached

  Customer Answer

  Date: 08/28/2023

  Dear ******** *********
  
  I dispute the debt’s legitimacy. Upon review, it’s not mine. As you mentioned, “Mr. ***** writes he’s not liable for the debt and has no contract with us.” My understanding of “charge off” was limited when I agreed to the contract. Lack of clarity prevented an informed decision. Had I known, I wouldn’t have agreed.
  
  When a creditor “charges off” an account, it’s written off due to non-payment. This speaks to payment expectation and raises questions about subsequent transactions involving the debt.
  
  Midland Credit Management, Inc. knowingly purchased possibly uncollectible debt. This questions ethical and legal considerations. Consider consumer protection laws like FDCPA and TILA, balancing debt collection within fairness and transparency.
  
  Reevaluate the debt’s legitimacy and my agreement’s context. Provide evidence of validity and legal right to collect. If not, delete the account immediately and confirm the deletion.
  
  A just resolution is hoped for. Open to transparent dialogue for resolution. Respond with requested information and documentation. I await your prompt response.
  
  Sincerely,
  ******* *****

  Business Response

  Date: 08/31/2023

  Dear BBB:
  
  Thank you for your letter inquiry regarding Mr. ******* concerns. We appreciate the opportunity to answer your questions.
  

  Please review the attachment for our complete response.
  
  Mr. ***** continues to question our authority to collect as there was limited understanding when agreeing to the original contract. A review of our records indicates that the account was for a credit card. As it was a credit card, the terms and conditions create the agreement between the parties, Mr. ***** and the original creditor.
  
  As previously advised, when the original creditor charges off and sells a debt, the underlying promissory obligation remains valid, due, and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The account was purchased from the seller with all rights. A copy of the terms and conditions agreed to by Mr. ***** is enclosed.
  
  In addition, on October 29, 2022, we mailed Mr. ***** a validation letter which informed him of his rights under the Fair Debt Collection Practices Act (“FDCPA”). Please note that the letter was mailed to Mr. ***** at the same address listed within his complaint, and was not returned as “undeliverable”, satisfying the notification requirements of the FDCPA.
  
  We appreciate the opportunity to reiterate that the verification information provided by the seller meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. An additional copy of the verification information provided by the seller is enclosed.
  
  Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers’ rights, and apologize for the inconvenience caused to Mr. *****. Thank you again for your assistance in this matter.

• Initial Complaint

  Date:09/27/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This account from comenity that has been reporting on my credit report for sometime now has been reporting inaccurately on my credit report it must be deleted in my credit report!!MIDLAND CRED (Original Creditor: 01 COMENITY CAPITAL BANK) 31102****MIDLAND CRED (Original Creditor: 01 COMENITY BANK) *********

  Business Response

  Date: 10/20/2022

  Dear BBB:Thank you for your letter inquiry regarding **************' concerns. We appreciate the opportunity to answer your questions.Unfortunately, because ************** has not submitted a signed release form with her complaint through your office, we are unable to release any pertinent information. If ************** wishes to obtain further information, please have ************** submit a new signed release form to your office.Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers' rights, and apologize for the inconvenience caused to **************'. Thank you again for your assistance in this matter.

• Initial Complaint

  Date:09/20/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made an arrangement for payment that was supposed to start on September 30, 2022. On September 20, 2022 I was charged for the payment. They breached the verbal contract and adversely affected my financial situation.

  Business Response

  Date: 10/05/2022

  Dear BBB:Thank you for your letter inquiry regarding **************' concerns. We appreciate the opportunity to answer your questions.Unfortunately, because ************** has not submitted a signed release form with his complaint through your office, we are unable to release any pertinent information. If ************** wishes to obtain further information, please have ************** submit a signed release form to your office.Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers' rights, and apologize for the inconvenience caused to **************. Thank you again for your assistance in this matter.Sincerely, Midland Credit Management, ****

• Initial Complaint

  Date:07/01/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I owed them 2146.19....they have continued to take payments that have equaled out to be2720. So far all Ive gotten is a run around game and for being a disabled American i want to know where my refund for 573.81 is!

  Business Response

  Date: 08/04/2022

  Dear BBB:
  
  Thank you for your letter inquiry regarding Ms. ************ concerns. We appreciate the opportunity to answer your questions.
  
  Please review the full response in the attachment.

  
  A review of our records indicates that on February 1, 2015, this account was placed with our Internal Legal Department (“Internal Legal”). Internal Legal advised that suit was filed on May 4, 2015, and service of the Summons and Complaint was perfected on July 2, 2015. Judgment was subsequently granted in the amount of $2,266.19. Internal Legal further indicates that $2,050.00 was paid towards the balance. The remaining amount due was forgiven, the account has been closed, and a Satisfaction of Judgment has been requested. Ms. ********** has no further obligation for this account.
  
  Ms. ********** writes that payments in excess of the $2050.00 paid to Internal Legal have continued to be taken, equaling $2,720.00, and she seeks a refund totaling $573.81. Internal Legal has advised that a recent review of their records shows that all payments were made as agreed, the account is settled, and no refund is due to Ms. **********. Please note, the most recent payment plan was for $25.00 a month, and we show a final payment of $25.00 posted on June 2, 2022. We urge Ms. ********** to contact her financial institution with any further questions she may have regarding the extra funds that were allegedly drafted out of her account.
  
  Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers’ rights, and apologize for the inconvenience caused to Ms. **********. Thank you again for your assistance in this matter.