These people showed up on my credit report and I have no clue who they are. I was in the middle of purchasing a new home and FHA required me to pay the two accounts before they would finance me. I paid them through their attorneys and received the letter stating the payment. Midland will not accept the letter that I forwarded to them as proof and it's still on my credit as unpaid. When the 3 bureaus contact them as a dispute on my behalf. They have been told I never paid them. What now? I have now paid something that I have no knowledge and can't get them to acknowledge the receipt of my payment.
I just checked my mail today and received a Pre-legal notification stating I owed 777.94 with 221.75 interest equalling 999.69. Original creditor was Citibank/Goodyear. 1st I never had Citibank for anything other than an old mortgage that they took over years ago and I refinanced that and never Goodyear. My first name is misspelled the letter A & E are swapped and no Middle Initial. All the searching I did on this company seems to be a little bit shady. So I’m wondering if I should just call them and see if they have some wrong information.
I see my search to find others who are having a problem with these people was not in vain - really...
I am so upset with this ridiculous company full of bottom feeders. They have had my debt for over a year now. When I first got word that they had the account, I called them to set up payment arrangements. I paid an agreed upon amount expecting this to be expunged from my record. Months later after receiving no correspondence they told me that I agreed upon amount did not include the 'interest fees' accrued by them. I told them I wasn't paying any additional fees since they bought this account for pennies on the dollar and they were not the original creditor. Over a year later, I have sent them letter after letter after letter with no response. The last conversation I received with one of there very rude reps were interest was continuing to accrue by the day and this was going to collections soon. Can someone please help?
My husband co-signed on an Emerge MasterCard for his Mom years ago. Things were good for a long time and then she went into deep debt and maxed out the card. She wouldn't pay the bills, ignored the phone calls from collectors. Eventually it went to collections at Midland Credit Management. THEN it went to an attorney, which at that point is when we FINALLY were even aware of the situation!! A settlement was offered - half the balance due - and my husband busted his to pay the $3000.00 due. We later got a letter from the attorney saying the payment was accepted as settled-in-full. We cannot for the life of us get that *** balance off the credit report!! I'm just venting.. Pissed off and would never put myself in that position again. I wouldn't co-sign for Jesus after that fiasco!!!
I am constantly and daily being called by MCM for a bill I never owed with a company I never did business with. I sent them the paper work they requested and still they call me and tell me to pay the balance which they have dropped from 900.00 to 585.00. I can not get a word in with the person I am forced to speak with and I can't understand him. Now I am forced to involve an attorney for a bill I never owed. It makes me sick. You do all the steps required to show you don’t owe this money and still they harass you. And I was told it didn’t matter if I wanted them to stop calling. This is now on my credit report.
I am unsure as to why Midland Credit Reporting Agency continues to report on items that have been paid for years. The original debtor has removed this item from my credit report, yet Midland CONTINUES to attempt to ruin my credit for a paid debt of nearly three years. Does Midland continue to make money from individuals who have paid their debts? It makes me wonder if they somehow reporting agencies also benefit from continuing to list these PAID accounts? Midland also refuses to answer any certified letters, leading me to believe that my only option is to contact the Attorney General's Office in order to have Midland explain why they will not remove a PAID ACCOUNT from a credit report? Spite? Are they making money from this, still???
Don't fall for the Midland stuff, especially if you don't anybody.
I got rid of them harassing me by complaining first to my state atty. general's office, who then turned the matter over to dept. of consumer affairs.
Midland responded in a letter to dept. of consumer affairs stating-they would case any collection.
This info is from another site and I used it in my letter to Midland, the same letter which I forwarded to my atty. general's office.
“For starters, they should require, in writing, the name and address of the original debt holder, the account number, the date of the last transaction, and the amount of the original debt. Being consumers, they have a right to that information.”
If the statute of limitations has expired on a debt, it cannot be entered on the consumer’s credit report. If the new creditor threatens to report non payment to the credit agencies, it is a violation of the Fair Debt Collections Practices Act.
Hope this helps.
Midland has filed a small claim against me in court for a credit card account that I have never had. I have been trying to get this cleared up for over three years. I have requested documentation from them and all I have got is harassment from them. I contacted the attorney's office they have hired to represent them and again no proof and no help so what do you do. I guess I will have to fight this one out in court. This place has harassed me for over three years but has produced no proof to back up their claim and I told them that this was a fraud case but since they had my social they said it was my account.
I was looking at my annual credit report today and found that midland credit management is on my credit report, for a debt that is old. one that is over 6 years old, which 6 years is the statute of limitations for my state. I am seeing midland credit management as a zombie debt collector. I only found them on 1 credit report, but will find out if they are on the rest. I am disputing, but it still irritates the crap out of me that I have to do this. Its stupid, ridiculous and a waste of my time for someone to start this over again.
Ruining my credit, trying to collect on an account that they can not verify at this point I am hiring an attorney to sue these *** (www.cceg.biz)
I have sent validation request after validation request with no response. MCM is in:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
This is the most frustrating process to have to deal with after being a VICTIM of Identity Theft.
I should not be getting the run around from low ### debt collectors! Must not have been smart enough to be real attorney's had to be bully debt collectors... Lowest pieces of dung in the US