800-284-3229

Scam debt collector

Keeps calling from multiple numbers, but never leaves a message. I have no debts, so no idea why they keep calling.

These people call me relentlessly every day, day and night.  They even call on weekends.  I am sick of it.  They leave weird voicemails. That make no sense.

Called my personal cell phone number looking for my relative who is in the process of bankruptcy.  These type of debt collectors are bottom feeders harassing anyone to get to the person they need.  Assumed I was his wife and even if I was, if the debt is not under my name then don't call and harass me on the phone I pay the bill for.

Yes!! I have blocked at least 30 numbers and have zero debt or collections. When they call they ask for someone else and they don't speak very clear English and don't listen when you tell them DO NOT CALL!!!

Midland uses overseas call centers.  Your problem is easily solved yet you seem to be the type to want to simply whine and complain instead of actually doing something.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

MIDLAND CREDIT MANAGEMENT AKA ENCORE CAPITAL GROUP AKA ASSET ACCEPTANCE, LLC. AKA ATLANTIC CREDIT AND FINANCE AKA MIDLAND FUNDING AKA WEST CAPITAL FINANCIAL SERVICES

Alternate Business Names
Encore Capital Group Inc., MCM, Midland Acquisitions Corp, Midland Funding LLC, MRC Receivables Corp, AAC, Asset & Lee Acceptance, Asset Acceptance, Asset Acceptance Capital Corp., Asset Acceptance Corp., Asset Acceptance, LLC, Asset Acceptance, LLC, FCC Financial Credit, LLC, Lee Acceptance Corporation, RX Acquisitions

MCM contact page with a location in California: https://www.midlandcredit.com

The also go by the name Encore Capital Group:  http://www.encorecapital.com/contact-us

+BBB gives Asset Acceptance an A with 9 complaints and no reviews (BBB removed 450 complaints and 4 negative review so that they could keep the A+ rating) and a government action by the CFPB.  Looks like they will fit in perfectly with the Encore Criminal Enterprise as of 8/27/24:  https://www.bbb.org/us/mi/troy/profile/financ ... lc-0332-3004304

BBB gives Midland an A rating with 950 complaints and 1064 reviews with lots and lots of positive reviews as it looks like the employees have started posting them since January of ‘21, and multiple government action alerts (money talks at the BBB as they removed 435 complaints) as of 8/27/24:  https://www.bbb.org/us/ca/san-diego/profile/f ... inc-1126-101104

They are a Kansas Corporation.  Information from the Kansas Dept. of State:

Current Entity Name
Business Entity ID Number
MIDLAND CREDIT MANAGEMENT, INC.
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Bottom of Form

0048421
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Previous Names:
MERCHANTS FINANCE CORPORATION, INC.
Current Mailing Address: 3111 Camino Del Rio North Suite 1300, SAN DIEGO, CA 92108
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Bottom of Form
Business Entity Type: KANSAS FOR PROFIT CORPORATION
Date of Formation in Kansas: 09/09/1953
State of Organization: KS
Current Status: ACTIVE AND IN GOOD STANDING
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Resident Agent and Registered Office
Resident Agent: CORPORATION SERVICE COMPANY
Registered Office: 2900 SW WANAMAKER DRIVE SUITE 204, TOPEKA, KS 66614
Bizapedia has this on Encore which is a Delaware corporations:
http://www.bizapedia.com/nc/ENCORE-CAPITAL-GROUP-INC.html
And this on the address these criminals are located at.  Seems they have a lot of different names:
http://www.bizapedia.com/addresses/8875-AERO- ... O-CA-92123.html

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid. 

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general