• Report: #328691

Complaint Review: Midland Credit Management, Inc. (A.K.A Encore Capitol Group)

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  • Submitted: Thu, April 24, 2008
  • Updated: Fri, April 25, 2008

  • Reported By:Saint Louis Missouri
Midland Credit Management, Inc. (A.K.A Encore Capitol Group)
8875 Aero Dr. Ste 200 San Diego, California U.S.A.

Midland Credit Management, Inc. (A.K.A Encore Capitol Group)Midland Credit Management, Inc. (A.K.A Encore Capitol Group) Attempts to collect fictional debts against the elderly wife of a man dead 11 years. San Diego California

*Consumer Suggestion: This is why you NEVER speak to ANY third party debt collector on the phone!!

*Author of original report: Midlan Credit Management attempts to collect debts of First Consumer National Bank

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We received a letter from this company for a debt of 1800+ dollars against my father who has been dead for 11 years. The employees of Midland tell us it was for an account from Siegal Catalog opened in 1976 and closed in 2003 (6 years after his death). They refuse to confirm it is the correct man by giving the last 4 of his SSN to my mother, his wife of 41 years.
Other than failing to confirm the man and the debt they lied and mislead in several ways:
The employees claim they have 600+ total employment.
The refuse to offer the call to supervisory staff.
They claim to have 4 branch locations.
They refuse to acknowledge their street address.
They hanged up on my mother when she told them he was dead for 11 years.
They refuse to discuss the items supposedly purchased from Spiegal.
They claim they have the right to collect a debt as old as 1976.

I have contacted the States Attourney Generals office for a complaint form and am in the process of fililng a complaint with the FTC.

Does anyone know if this company can be shut down for fraud in trying to collect debts obviously outside the statute of limitations and against dead people?

Steve
Saint Louis, Missouri
U.S.A.

This report was posted on Ripoff Report on 04/24/2008 03:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/Midland-Credit-Management-Inc-AKA-Encore-Capitol-Group/San-Diego-California-92123-2255/Midland-Credit-Management-Inc-AKA-Encore-Capitol-GroupMidland-Credit-Management-Inc-328691. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

This is why you NEVER speak to ANY third party debt collector on the phone!!

AUTHOR: Steve - (U.S.A.)

First of all, that "debt" is long past statute of limitations and is legally UNCOLLECTABLE. Each state has its own SOL.

Second, the original "creditor" is in no way involved here. That "debt" was most likely sold many times and probably this last junk debt buyer paid 1/10th of a penny on the dollar for it, if that.

That is the definition of a JUNK DEBT.

NEVER speak to these crackheads on the phone. Demand everything in writing, then send a CEASE COMMUNICATIONS request as per the FDCPA provisions.
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#2 Author of original report

Midlan Credit Management attempts to collect debts of First Consumer National Bank

AUTHOR: Stevels - (U.S.A.)

The 1865.65 debt was bought off the FCNB-Spiegel accounts from that train wreck of a company. Midland has inherited their problems and trying to collect.
See the list of complaints on Rip-Off about FCNB:
http://www.ripoffreport.com/searchresults.asp?q1=ALL&q5=First+Consumers+National+Bank&submit2=Search!&q4=&q6=&q3=&q2=&q7=&searchtype=0
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