877-434-3755

I keep getting calls from these people (?) but they do not leave a message.  I don't return their calls!

Midland Credit Management

they keep calling my place of employment

More calls from who knows who. Tired of fake calls. We never answer and they don't leave a message.

Wanted to know my name and when I refused to give she gave it to her she told me what it was.Then she wanted to know the last thfournnumbers of my social security number and my birthdate , and my address which I refused to give her because  I told her I am not participating in giving her enough info for potential identity theft. She then stammered . Hung up and blocked the call

Called. I picked up. Dead air.

Then answer the call and tell them they cannot call that number. By law they'll have to stop.

they never leave msg
other site shows as midland credit  collector

I answer - nothing on other end of line.... someone trying to see if anyone is home?

unknown caller from 8774343755.

Got a call from this number asking for my parents. I told them I was there daughter and that I didn't live in the household anymore. He kept asking for my parents' numbers and I told him multiple times I won't give it, and that I can pass along the message. The guy refused and continued asking for their phone numbers, which is when I hung up. He also said it was regarding personal business. Don't know what that means but hopefully they won't call again.

They call family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.

You can be sure this outfit will call again as they are well known for violating all collection laws.

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

Number list redacted to save space.

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 gives Asset Acceptance an accredited A+ even though they have 395 complaints.  Looks like they will fit in perfectly with the Encore Criminal Enterprise:  http://www.bbb.org/detroit/business-reviews/c ... rren-mi-3004304

BBB Page is being updated for both Midland and Encore (for several months now at this time):  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

They called me today and didn't leave a message and they called again and asked for my parents and I told them they were hear and I asked what is it for so I could tell them he just gave me a call back number and refused to tell me what it was for .so I hung up

Same thing happened to me today

they keep calling. when i answered they asked for me and of course i say im not available. then he said to give me the number i said whats this regarding and he said a personal matter and  i hung up. they proceeded to call back 3 times and let it go to voicemail and then didnt leave a message

They called me yesterday and I ignored it and looked them up here. Called again today at almost the exact same time asking for my parents. When I asked them who they were the guy wouldn't tell me anything. Asked him if he could at least tell me who or what company he worked for and he still wouldn't even tell me that. Promptly told him to not call me again because if you can't even identify your organization then this is some kind of scam. He sounded fed up and told me they would not be contacting me again.

This is a number that belongs to Midland Credit Management.  It is a debt collector.

Thanks, i guess I wasn't clear enough about who it was in my previous post.  You really should try reading, you never know what you might learn, like what to do about the calls, who is calling, and where to report them.

My father and I have started getting this same call also within the past week! Everyday they call at least twice in the morning and it's very early when the first one comes through then not long after that they call again. About two hours later they will call 2-3 x's again while we're eating breakfast. The calls will usually stop through out the day until dinner time and that's when they start up again. They will also call late at night up until around 9:00 - 10:00 pm!!! That really should be illegal and outlawed because there are certain times callers like these are allowed to call during the day (think it's from 8:00 am- 6:00 pm). I know because I asked the BBB about it one time and they told me. The best advice to give everyone here in regards to these "mentally insane people" is to NOT ANSWER THE PHONE!!!!! That is IF you have caller i.d. If you don't, then you're stuck answering them and when you do pick up the phone to answer these calls it makes it a lot worse because they know for sure you or someone is home and that only makes them want to call more!! Bottom line ... DON'T ANSWER THE CALLS!! Eventually they will stop calling. It won't last forever although it seems and feels like it. This should not be allowed in the U.S. or anywhere! Would love if the CIA, FBI (our government) could do something about these calls eventually and put them to an end by blocking them on the phone lines but doubt it will ever happen cause it all involves $$$!