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Midland Credit Management, Inc. complaints

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350 Camino Del La Reina Suite 100
San Diego, CA 92108 | Get Directions

(800) 296-2657

http://midlandcreditonline.com

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Total Amount in Dispute:
$175,744.00

Total Amount Settled:
$0.00

Complaint Experience

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Our complaint history for this company shows that the company responded to and gave proper consideration to some complaints. However, most complaints are unresolved meaning the company failed to properly address the complaint allegations or their response was inadequate.

Complaint Closing Statistics

16 complaints against Midland Credit Management, Inc. closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
6	Refuse to adjust, relying on terms of agreement
9	Unanswered

16 complaints against Midland Credit Management, Inc.

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4/26/2026

RESPONSE: Complaint was not answered Amount in Dispute: $0.00 Amount Settled: $0.00

Customer Complaint

3/31/2026

On March 3, 2026, I sent a formal Debt Validation Request to Midland Credit Management (MCM) via Certified Mail regarding account number 323144298. According to USPS Tracking and the signed Return Receipt (Article Number: 9589 0710 5270 2452 6697 33), this request was delivered and signed for by "S. Ward" on March 10, 2026. Despite receiving my timely dispute, the collector failed to provide the requested validation documents (specifically an itemized statement and chain of title). Instead of validating, the collector bypassed my request and proceeded to verify the debt with the credit bureaus, which I confirmed on March 29, 2026. This is a direct violation of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692g, which requires a collector to cease all collection activity including credit reporting and verification until they have mailed the consumer the required validation. Furthermore, the collector's own correspondence admitted this debt is time-barred and beyond the statute of limitations for legal action. Resolution Sought I request that Midland Credit Management immediately delete this trade line from all credit reporting agencies (Equifax, Experian, and TransUnion) due to their failure to validate and their subsequent violation of federal law.

12/16/2024

RESPONSE: Complaint was not answered Amount in Dispute: $735.00 Amount Settled: $0.00

Customer Complaint

11/20/2024

I have notified this company time after time that I refuse to pay this debt. I want the debt collector to cease all communication with me because I know my rights 15USC1692-C law Resolution Sought To contact them so they can get this off my credit report thanks

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