- Report: #978433
Report - Rebuttal - Arbitrate
Complaint Review: Midland Credit Management
Midland Credit Management8875 Aero Drive, Suite 200 San Diego, California United States of America
Midland Credit Management MCM Expired Statue of Limitations San Diego, California
*Consumer Comment: hey stacie
*Consumer Comment: Info for you
What really blew my mind was the fact that they were trying to collect over $700. The limit on the card was only $300. As best I can recall, I only owed $128 balance. My husband and I were in a serious dilemma. We were laid off from our jobs within weeks of each other.
I sent MCM a letter on 11/21/2012 informing them that the debt had an Expired Statue of Limitations per info recorded on my credit file with the credit bureaus. While I stated in my letter than I dispute this debt, my letter was to inform them that the debt had an expired statue of limitations per info recorded on my file with the credit bureaus.
Today, I get a letter from MCM in reply. They inform me that the debt in dispute is accurate and deny that there is any inaccuracy with the account. I didn't dispute the accuracy. I informed them that the debt has expired. MCM obviously didn't bother to read my letter.
I have filed a dispute with the credit bureaus on the same day I sent my letter to MCM. Of all things, it seems Capital One acquired HSBC's credit card debt including expired debt and there are two entries on my credit file for one debt - duplicates. The credit bureaus are still investigating as of today, December 5, 2012.
This report was posted on Ripoff Report on 12/05/2012 08:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/Midland-Credit-Management/San-Diego-California-92123/Midland-Credit-Management-MCM-Expired-Statue-of-Limitations-San-Diego-California-978433. 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.
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