Common Complaints about Midland Credit Management

Based on the customer reviews on the Better Business Bureau (BBB) website, some common complaints about Midland Credit Management include:

1. Using aggressive and harassing collection tactics: Some consumers have reported that Midland engages in harassing collection tactics, such as making repeated phone calls and using threatening language.
2. Reporting inaccurate information to credit bureaus: Consumers have reported that Midland Credit Management has reported inaccurate information to credit bureaus, which can negatively impact their credit scores.
3. Failing to validate debts: Consumers have reported that this agency fails to provide adequate proof that the debt they are attempting to collect is valid and belongs to the consumer.
4. Failing to notify consumers of their rights: Some consumers have reported that this debt collector did not notify them of their rights under the Fair Debt Collection Practices Act (FDCPA).
5. Misrepresenting the amount owed: Consumers have reported attempts to collect more than the amount owed or has added unauthorized fees to the debt.

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How to stop Midland Credit Management from contacting you to collect a debt

If you are contacted by Midland or any other debt collection agency about a false or inaccurate account or debt, it is important to exercise your right to dispute it. You can send a cease and desist letter if you are sure you want to stop the collection calls. You can also dispute any incorrect listings reporting in your credit reports. All debt collectors are required to follow the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to ensure that you are treated fairly.

Under the FDCPA, debt collectors like Midland Credit Management are prohibited from engaging in harassing behaviors, such as using threatening or abusive language, making threats of violence or physical harm, repeatedly contacting you at inconvenient times, providing false or misleading information, threatening arrest, or engaging in any willfully deceptive practices.

Under the FCRA, creditors and debt collectors are prohibited from reporting inaccurate debt report information. They are also required to delete any credit reporting that is false, deceptive, or otherwise incorrect. Unlike the myth pushed by corrupt credit repair companies, debt collectors are not required to delete accurate information.

Is Midland Credit Management a legitimate company?

According to its website, Midland Credit Management is a debt buyer that has been in operation since 1953. It operates as a debt collection agency in all 50 states, including Utah. It is headquartered in San Diego, California.

Midland Credit Management primarily collects on consumer finance accounts. Those accounts include credit cards, secured loans, unsecured loans, lease-to-own financing, and other consumer accounts. Some of the nation’s largest financial institutions sell accounts that are past due to Midland Credit Management and its associated companies.

Midland Credit Management has been accredited by the Better Business Bureau (BBB) for decades and currently holds an A rating despite its legal problems. Consumers have filed 349 reviews about Midland and its associate companies with the BBB. More than 2000 other complaints have also been filed with the Consumer Financial Protection Bureau (CFPB), a federal agency created to help prevent companies in the financial industry, such as banks, credit card companies, and debt collection agencies, from abusing and deceiving consumers.

Use Caution when Dealing with Midland or its Associated Companies

Midland’s website claims that it somehow helped and empowered more than 7 million consumers to gain control of their financial obligations. That is an outright fabrication. Debt collectors don’t empower or help consumers. They force payments out of people, many of whom cannot afford to pay. Claiming they help or empower people is repugnant.

Indeed, Midland was sued by the federal government and in October of 2020 entered into a Stipulated Final Judgment and Order with the Consumer Financial Protection Bureau (CFPB). According to the settlement Midland sued consumers without the proper proof, engaged in collections without providing the disclosure required by the FDCPA, failing to provide verification of the debts within 30 days of a consumer request, suing consumers on time-barred debts, collecting or attempting to collect time-barred debts without providing the disclosure required, using false, deceptive or misleading representation or means in connection with the collection of any debt, and engaging in unfair acts or practices. Under terms of the order, token damages to consumers plus a $15 million civil money penalty.

Does Midland Credit Management collect medical debts?

Yes, Midland Credit Management collects medical debts. Those debts are originally owed to healthcare providers such as hospitals, medical clinics, and dentists.

Will Midland Credit Management sue me for a debt?

Midland Credit Management provides a variety of debt collection services. Those services sometimes include suing consumers to collect. Still, it will usually start by sending collection letters and making collection phone calls. It will then evaluate the debt and decide whether or not to sue you.

Should I make a payment to Midland Credit Management?

Maybe, but certainly not right away. First, you must carefully review the information it provided and assess your options. If you have any doubts or concerns, you may wish to seek advice from a financial advisor or legal professional before making any payments. You should also verify the legitimacy of any debts it claims you owe to assure they are valid and accurate. Furthermore, be sure you do not pay if doing so will restart any statutes of limitations that might apply to the debt. Waiving your legal rights and paying a time-barred debt is typically a bad idea.

Should I file a lawsuit against Midland Credit Management?

If you believe that Midland Credit Management has violated your rights under the Fair Debt Collection Practices Act (FDCPA) the Fair Credit Reporting Act (FCRA), or any other applicable laws, you should consult with a qualified attorney who specializes in consumer law. An attorney can advise you on your legal rights and options, help you gather evidence to support your case, and assist you in filing a lawsuit if it is determined to be appropriate.

To maximize your chances of success keep detailed records of any communications or interactions with Midland Credit, as well as any evidence that may be relevant to your case. That includes keeping the collection letters, phone logs of collection calls, voicemail recordings of collection messages, and proof of any payments you made toward the debt. This information is helpful in determining whether or not to pursue legal action against the company.

Contacting Midland Credit Management

We do not recommend you contact Midland Credit Management for anything other than sending it a cease and desist letter, a pay for delete letter, or a debt validation letter. If you want to get Midland or any other debt collection agency off your credit reports, dispute the credit listing with each of the main credit bureaus, Experian, TransUnion, and Equifax.

If you must contact Midland Credit Management the phone number is 1-800-825-8131.

Never pay any debt collector until you are 100% certain the debt is both valid and owed. Also be certain there are no collection abuses taking place that could be used to offset the debt. Otherwise you could be losing money and compromising your legal rights.

Common Fair Debt Collection Practices Act (FDCPA) Violations

Some common violations of the Fair Debt Collection Practices Act (FDCPA) by debt collectors include:

1. Misrepresentation of the debt: Debt collectors may not falsely represent the character, amount, or legal status of a debt.
2. Threatening legal action: Debt collectors may not threaten legal action unless it is a course of action they actually intend to take.
3. Communication with third parties: Debt collectors are prohibited from communicating with third parties about the debt, except for the limited purpose of trying to locate the consumer. They may not disclose the debt to the consumer’s employer, co-workers, or neighbors, for example.
4. Unfair debt collection practices: This can include adding unauthorized charges or interest to the debt, or collecting on a debt that is beyond the statute of limitations.
5. Ignoring cease and desist requests: If a consumer requests that a debt collector cease communication with them, the collector must comply. Failure to do so is a violation of the FDCPA.
6. Contacting a consumer who is represented by an attorney: Once a debt collector is informed that a consumer is represented by an attorney, they must communicate only with the attorney, not the consumer.
7. Suing in an improper venue: Under the FDCPA you can only be sued where you signed for the debt or reside when the lawsuit is filed. Generally, this means the closest court to your current residence though there are other factors that may change that a little.
8. Threatening to suing for time-barred debt: Debt collectors cannot sue you for time-barred debt. That means the statute of limitations has expired.

Common Fair Credit Reporting Act (FCRA) Violations

The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit information. Debt collectors are subject to the FCRA when they report information to credit reporting agencies. Here are some of the most common FCRA violations for debt collectors:

1. Reporting inaccurate information: Debt collectors are required to report accurate information about a consumer’s debt. If the information they report is inaccurate, it can negatively impact the consumer’s credit score and ability to obtain credit in the future.
2. Failing to update information: Debt collectors are required to update credit reporting agencies with any changes to a consumer’s debt status. If they fail to do so, it can lead to inaccurate reporting.
3. Reporting debt that is not owed: If a consumer does not owe a debt, debt collectors are prohibited from reporting it to credit reporting agencies.
4. Failing to investigate disputes: If a consumer disputes the accuracy of information being reported to credit reporting agencies, debt collectors are required to investigate the dispute. Failure to do so is a violation of the FCRA.

How to get Midland Credit Management off your credit report

If you have an outstanding debt that has been reported to the credit bureaus by Midland Credit Management, it will generally remain on your credit report for up to 7 years from the date of the first delinquency. However, you can mitigate the impact of the debt on your credit score. These steps will help remove inaccurate information from your credit report:

1. Dispute Errors: If there are errors in the way the debt is being reported to the credit bureaus, you have the right to dispute them. You can do this by contacting Midland Credit Management and providing evidence to support your dispute. If the dispute is successful, the credit bureaus will remove the incorrect information from your credit report.
2. Request Debt Validation: Debt validation is the process of verifying the accuracy and completeness of credit reporting information. Send a letter asking for proof of the debt, identification of the original creditor, and a verification of the amounts claimed as due. Midland Credit Management will then have around 30 days to respond.
3. Negotiate a Settlement: If you are unable to pay the full amount of the debt, you may be able to negotiate a settlement with Midland Credit Management or the creditor. A settlement involves paying a portion of the debt in exchange for the remainder being forgiven. Once the settlement is complete, the collection agency or the creditor should update the credit bureaus with the new status of the debt.

What happens if I don’t pay?

Midland Credit Management uses a variety of debt collection tactics to make you pay. In addition to letters, phone calls, and text messages, it’s collection efforts often include credit reporting and suing consumers in court.

Generally, if you owe a debt take the matter seriously and address it promptly. You want to avoid the addition of any extra unnecessary fees certainly don’t want to be sued for the debt. You also don’t want to reset any statutes of limitations or waive any other legal rights. In other words, don’t pay until you consult with an attorney to be sure that is appropriate for your situation.

Midland pay for delete letters

Pay for delete is a negotiation between a consumer and a debt collector or creditor. The consumer agrees to pay off the debt in exchange for the negative information being removed from their credit report. Although some debt collectors may be willing to negotiate a pay for delete agreement, many won’t. In other words, pay for delete is not a guaranteed outcome. Some creditors and collection agencies may not be willing to engage in this practice. Whether Midland Credit Management allows pay for delete is unclear at this time. Our practice does not normally require or encourage our clients to pay for delete.

File a complaint against Midland

We highly recommend that you contact us before filing a complaint against Midland Credit Management. Nothing good will come of a standard complaint to any government or private agency. They simply do not care about individual consumers. If you have issues with Midland Credit Management, contact us for immediate assistance.

Steps for filing a complaint against Midland Credit Management

If you still want to file a complaint against Midland Credit Management, you can take the following steps to file a complaint with various agencies:

1. File a complaint with the Consumer Financial Protection Bureau (CFPB): If you are unable to resolve your complaint with Midland directly, you can file a complaint with the CFPB. The CFPB is a government agency that regulates debt collection practices. This agency can help resolve disputes between consumers and debt collectors but generally doesn’t actually help. You can file a complaint with the CFPB online, by phone, or by mail. This is a waste of your time.
2. File a complaint with your state Attorney General’s office: A state attorney general is responsible for investigating and prosecuting unfair or deceptive business practices. This is an even bigger waste of your time. The Utah Attorney General does not care one bit about you or your consumer issue. He is more interested in protecting banks, collection agencies, landlords, and other businesses.
3. File a complaint with the Better Business Bureau (BBB): You can file a complaint with the BBB. It is a nonprofit organization that helps consumers resolve disputes with businesses. The BBB will review your complaint and attempt to mediate a resolution with the collection agency. Unfortunately, the BBB will not make the debt collector pay you for damages under the Fair Debt Collection Practices Act so this too is a waste of your time.

When filing a complaint, provide as much detail as possible, including any relevant documentation or evidence that you may have. Be sure to keep a record of any communications with Midland Credit Management or other parties related to your complaint. Then, when the above agencies fail you, contact a true professional for help.

Need help with Midland Credit Management

If you have been contacted by Midland Credit Management about an overdue debt, we can help. As the most accomplished debt collection litigation firm in Utah we have vast experience with companies like Midland Credit Management.

Contact us today for a free attorney case review. Our process is quick and easy and comes with no obligation. Then, if you have any legal claims against Midland Credit Management we will do our best to stop the collection, clear up any inaccurate credit reporting, and make the debt collection agency pay you damages.

Our process is fast and easy. Call today for a free case review.

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