866-580-4780

Unfortunately they have called at least 100 times.   Finally got through to someone and found out they are trying to find my ex-wife from over 10 years ago for debt collection.

This number calls several times a day and never leaves a message. It's an annoyance.

Marcey,

You have to answer the phone in order for them to stop. If they do not make contact, they can continue to call you. But, once you answer and tell them to stop, then you can report them if they don't. Ask them to remove your number for their list. Then if they continue to call and you don't owe them money, you can keep all of your records and sue them. It can add up to a lot of money if you keep good records. If you have a way to record your calls, even better. Let them know that you know what they are doing is illegal! Robo-calling is also illegal in some states. I don't know where you live, but you should check into that. They cannot use an automated machine to continuously call you, which a lot of them do. Check your laws and be ready when they call you again. If you don't owe them money, then you have no reason to be afraid, and let them have it!

MIDLAND CREDIT MANAGEMENT AKA ENCORE CAPITAL GROUP
Looks like the CFPB has slapped them big time:  https://800notes.com/forum/ta-ceba95f52112a47/cfpb-settles-cases

Posted in:  https://800notes.com/Phone.aspx/1-877-822-9054
https://800notes.com/Phone.aspx/1-214-283-1316/59#p837778307746240527
https://800notes.com/Phone.aspx/1-877-411-5551/32
https://800notes.com/Phone.aspx/1-800-265-8825/47
https://800notes.com/Phone.aspx/1-855-808-0414
https://800notes.com/Phone.aspx/1-800-783-4936#p875170819127893235
https://800notes.com/Phone.aspx/1-855-789-8625
https://800notes.com/Phone.aspx/1-855-891-8849
https://800notes.com/Phone.aspx/1-844-236-2750
https://800notes.com/Phone.aspx/1-877-434-3695
https://800notes.com/Phone.aspx/1-855-488-1524
https://800notes.com/Phone.aspx/1-866-580-4780/23
https://800notes.com/Phone.aspx/1-877-411-6748/3
https://800notes.com/Phone.aspx/1-844-532-2891
I always have to wonder why an allegedly “legitimate” company needs so many different numbers to call out from.
Per Tamianth
MCM contact page with a location in California:
https://www.midlandcreditonline.com/contact/
The also go by the name Encore Capital Group:  http://www.encorecapital.com/contact-us
BBB Page is being updated:  http://www.bbb.org/sdoc/business-reviews/fina ... diego-ca-101104
However this was previously on their page-note the government action against them:

BBB Accredited Business since 5/1/2000 (1227 complaints and a government action and they are accredited?)
Midland Credit Management Inc
Phone: (800) 825-8131
Fax: (877) 414-0961
8875 Aero Dr #200, San Diego, CA 92123
http://www.mcmcg.com
View Additional Web Addresses
Additional Web Addresses
http://www.midlandcreditonline.com

BBB® Accredited Business Seal
BBB® B+ Rating

Complaint Type Total Closed Complaints
Advertising/Sales Issues 5
Billing/Collection Issues 1105
Delivery Issues 1
Guarantee/Warranty Issues 3
Problems with Product/Service 113
Total Closed Complaints 1227

Government Actions

Swanson V Midland Funding
Date of Action: 12/12/2012
On December 12, 2012, Midland Funding, LLC settled a lawsuit filed by Lori Swanson, Minnesota's Attorney General, against the company last year for filing unreliable “robo-signed” affidavits in collections lawsuits and sometimes targeting the wrong people for payment of old bills that it purchased from credit card companies. The lawsuit alleged that Midland filed thousands of collections lawsuits against individuals in Minnesota courts, often supported by unreliable “robo-signed” affidavits generated at Midland’s St. Cloud, Minnesota offices. Several Midland employees admitted in sworn testimony to signing up to 400 affidavits per day, either without reading them, without personal knowledge of their contents, and/or without verifying the accuracy of the information contained in them.

The Consent Judgment requires Midland to: provide individuals with validation of the debt; verify the identity and address of an individual claimed to owe money at the outset, before any collection effort is made, investigate the matter and, if it cannot substantiate the debt, close the account; take steps to correct any adverse credit reporting, and not later resell the debt; not file affidavits w/ the court unless the person has: a) read and understood them, b) confirmed the authenticity of any documents filed w/ the affidavit, c) only based the affidavit on the signer’s personal knowledge, and d) signed the affidavit in the presence of a notary who acknowledges the affiant’s signature in accordance with law; implement standards to ensure it does not sue people on debt that is beyond the applicable statute of limitations; implement procedures to ensure it does not sue people on debt that it does not own; may not pursue a default judgment without giving the person written notice that their response does not constitute a legal answer and waiting 30 days so the person can seek legal counsel or otherwise respond to the lawsuit; include added specificity about the facts supporting its claims in its lawsuits so that individuals can meaningfully respond to the suits against them; at least 10 days before it pursues a default judgment against an individual, send a copy of the judgment request to the individual.

Under the Consent Judgment, Midland will also resolve outstanding and future consumer complaints made to the Attorney General’s Office and pay $500,000 to the State of Minnesota.
Other complaint Sites:
http://www.ripoffreport.com/reports/directory/midland-credit-management
http://collectionagencydebt.blogspot.ca/2011/ ... management.html
They are a Kansas Corporation.  Information from the Kansas Dept. of State:
Current Entity Name    Business Entity ID Number
MIDLAND CREDIT MANAGEMENT, INC.

    0048421

Previous Names:
MERCHANTS FINANCE CORPORATION, INC.
Current Mailing Address: 3111 Camino Del Rio North Suite 1300, SAN DIEGO, CA 92108
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

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

This is a letter telling them that they are obligated to follow the FDCPA:
UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C. 20580
Division of Credit Practices
Bureau of Consumer Protection
~
Clarke W. Brinckerhoff
Attorney
December 22, 1993
Ms. Kimberlee Arbuckle
MIDLAND CREDIT MANAGEMENT
500 West First Street
Post Office Box #576
Hutchinson, Kansas 67504
Dear Ms. Arbuckle:
This responds to your letter dated December 2, 1993, inquiring whether Midland Credit Management, Inc. ("MCM") is a debt collector under the Fair Debt Collection Practices Act ("FDCPA" or "Act"). You report that MCM "purchases portfolios of delinquent accounts receivable for the purpose of profitable recovery, resale and cure. These accounts are owned solely by MCM . . ."
Section 803(6) of the FDCPA defines the term "debt collector" as "any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another." In our view, a party that purchases delinquent accounts from the party to which the debts were originally owed and attempts to collect them from the consumer debtors fits clearly within that definition. The party is attempting to collect debts that were "owed or due another" and the fact that title to the accounts is passed to the collector in no way changes that fact.
In the leading case on point, involving a company whose business included the purchase of large volumes of checks that had been dishonored and subsequent collection of the checks from their makers (in the same manner as MCM buys defaulted accounts and thereafter attempts to collect from the account debtors), the court wrote persuasively that the purchaser is covered by the FDCPA. It gave short shrift to the fact that the party had actually purchased the checks in question:
By use of the language "owed or due another" Congress was attempting to exclude those entities that extend credit from the effects of the Act. Congress intended to protect borrowers from "third persons who regularly collect debts for others." (Italics by court; citation omitted). (The purchaser) is a third party collecting a debt originally owed to another. . . . It cannot escape the spirit of the Act by the technicality of purchasing the debt upon default so that title technically rests in itself.
Holmes v. Telecredit Service Corp., 736 F. Supp. 1289, 1293 (D. Del. 1990)
The only theory for exclusion of a party such as MCM from the "debt collector" definition (and thereby from coverage under the FDCPA) is that it is a "creditor."(1) Section 803(4) defines "creditor" as "any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or trans-fer of a debt in default solely for the purpose of facilitating collection of such debt for another." Since the accounts that MCM buys are delinquent when purchased and are being transferred for the purpose of collection, we believe that MCM is within the class that the "creditor" definition expressly "does not include."(2) The words "for another" at the end of the clause excepting assignees from the definition of creditor in no way changes this result:
(T)he excluding factors in the exception are that the debts are the result of an assignment or transfer and that the debts were already in default at the time of assignment or transfer. With the phrase "for another" at the end of the exception, Congress merely intended that the debts should have originally belonged to another and that the creditor was therefore in effect a third-party or independent creditor. (Italics by court)
Kimber v. Federal Financial Corp., 668 F. Supp. 1480, 1485 (M.D.Ala. 1987). Accord, Holmes, supra, at 1293.
In sum, it is our view that a party that obtains consumer obligations in default for the purpose of collection is a "debt collector" under the FDCPA, even if that party actually purchases the accounts from the original creditor.
The views set forth in this informal staff opinion letter are not binding on the Commission.
Sincerely yours,
Clarke W. Brinckerhoff
________________________________________
1. Section 803(6)(A) only specifically exempts creditors' officers and employees. However, it "seems clear from the legislative history of the Act that Congress intended that this exclusion cover creditors themselves as well as their employees." Holmes v. Telecredit Service Corp., 736 F. Supp. 1289, 1291n.3 (D.Del. 1990), citing Kimber v. Federal Financial Corp., 668 F. Supp. 1480, 1484 (M.D.Ala. 1987).
2. See the comment on this subsection in our Staff Commentary on the Fair Debt Collection Practices Act. 53 Fed. Reg. 50097, 50101 (Dec. 13, 1988.)

So remember, when dealing with these scumbags remember that you have rights:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

This person was looking for a Ronald Taylor.I told this bright soul to remove me from his calling list and update his records.I told him if I heard from again I would call the FTC and report this as harassment call  to the police.

Did you bother to take the time to read BigA's report immediately preceding yours?  Rather than just threatening, follow-up now!

I have now read all 36 pages of everyone's comments regarding the HARASSING calls from 866-580-4780, and I'm just amazed!!  THANKS EVERYONE for all your helpful information!!!
I typically have the practice (like many others) of just not answering the phone when I see a number I don't recognize.  I feel that if it's important that they speak to me they will leave a message (which they never do).  I looked at my caller ID and notice that they have called me 27 times since 12/28/15, sometimes calling several times a day.
Well, they called today and I answered the phone (before the third ring).  A guy with a foreign accent asked if I was ***** (my daughter's name).  I asked who he was with, and he said he was with (MCM) Midland Credit Management and again asked if I was **** (my daughter's name), I said no, but I'm her mother.
They called my home landline which I have a very hard time hearing people on, plus it has a bad battery and tends to disconnect calls.... so I was about to ask him to call my cell # so I could hear him better, and before I could and my phone disconnected.
The only reason I was going to have him call my cell # was because my daughter's ex-husband has accounts (that he is "supposed to pay on) that has her name on them as well from when they are married.  The looser tends to not pay his bills so I was going to have him give me his name & phone # and I would give the info to my daughter letting her know that Midland was calling me looking for her.  After reading everyone's posts I THANK GOD my phone disconnected our call before I was able to give him my cell #!!!  I already receive enough calls from them on my home #, I certainly don't need additional calls on my cell!!!

I've said all of that, to say this... my concern is that they now know that I am the mother of the person they are trying to contact.
1). I guess (as mentioned in several posts), I'll now be receiving even more harassing calls!?!?
2). I hope that by them knowing this, they don't in any way have access to my personal info (ie; credit, etc)
3). How did they get my phone # to start with???
ANY THOUGHTS OR SUGGESTIONS???

I see on their website  Under the "Consumer Resolution Center" page: https://www.midlandcreditonline.com/consumer-resolution-center/  you can send an email to the Chief Compliance Officer and state that they are contacting you in error.
After reading how shady these people are, I'm worried about doing this as well because you have to give them your name, address, phone #, etc in the email.
ANY THOUGHTS OR SUGGESTIONS???

Debt collectors can see your phones number as listed on the credit bureaus.  I learned about this recently.  They do a soft inquiry on your credit or get the information from the company reporting to them and that's how they get it.

Constantly calls

Rec'd calls.  No message.  Caller ID:  Unavailable.

They call every day, Sundays & Holidays. Never leave a message. Scumbags.

Continues to call continously throughout the day. Leaves no mesaage.

Calls everyday. Starting at 8:15am. Every hour. No one on the other end.

I don't have any outstanding debt & I don't fall for scams. Stop calling me.

Get the Sentry 2 call blocker from Amazon, it has saved our sanity here are home. It works, look it up and read the reviews from buyers from Amazon. That's what I did and it is fantastic, it is to bad we have to resort to this but we do what we must. It works.

These jokers called for the 2nd time in three days.  No msg.  I'm still not going to answer mostly because I detest talking on the phone.  Get a real job and leave the rest of us alone.

This is a total scam . Told me I owed $1500 to T-Mobile. I haven't had them in 3+ years and I have since purchased items which I wouldn't have been able to qualify obviously if I was in collection. I do check my credit regularly and I knew immediately it was a scam. Unfortunately I know people do fall for this . Legit companies don't call you , they will attempt written communication first. I had a similar scam where someone was trying to tell me I owe IRS $, seriously the IRS doesn't call people. These people disgust me !!

Called on house phone, this outfit is trying to collect on ZOOMBIE DEBT! BEWARE!

I got calls from 866-580-4780 Midland Credit 3 times a day morning, day, night and weekend. This is SCAM number. Leave no message. Let them have fun and collect free AIR time. This is the land of free with free air.

We also have been receiving the same call, same number, at least twice a day.  (we have a none listed number), what's the use?? I just called, 1/2oth, 2015, after receiving another  call.  I got a man, foreign accent.  I stated i know this is a scam.  Looked it up on , call scams, & do not call again!!  I hope it works. I should have waited for his respomse, oh!!  Well, i hope it stops the call, at least 2 to 3 a day!!  I hope others will look up the number, 7 notr give out any of their l personal info!!  Sooo!!!, many sick scams, lout ther.  God bless, some of the elderly, that are afraid  not to respond!!!  As marcey. Jan. 10th 2016  i also would like to report them, but, to whom?????