Report: #1042303

Complaint Review: MCM

  • Submitted: Wed, April 10, 2013
  • Updated: Wed, April 10, 2013
  • Reported By: froglady33 — Harrisburg Arkansas
  • MCM

    Internet
    United States of America

MCM Midland Collection Management Harassing phone calls multiple times a day. The bill is over 15 years old and was settled years ago. Internet

*Consumer Comment: More information for you

*Consumer Comment: Answer

Show customers why they should trust your business over your competitors...

For the last three months this number 800-265-8825 and several others affiliated with MCM have been calling me from the time my children get on school bus 7a.m. until well into the evening 7 to 8 p.m.. They claim they are calling in regards to a visa credit card account and though I did have this card the account was closed out and paid in full 15 years ago. I have asked them not call and told them no personal information. I have even had to do the no call several times yet, they still call though I have added my phone number to the national do not call list. 
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This report was posted on Ripoff Report on 04/10/2013 05:39 PM and is a permanent record located here: http://www.ripoffreport.com/reports/mcm/internet/mcm-midland-collection-management-harassing-phone-calls-multiple-times-a-day-the-bill-is-1042303. 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. READ: Foreign websites steal our content

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#1 Consumer Comment

More information for you

AUTHOR: Stacey - ()

According to the Arkansas State Board of Collection Agencies:

Under Arkansas law, collection agencies are individuals or businesses that collect debts on behalf of a third party. For example, if a hospital gives its delinquent accounts to a company to contact patients for payment then that company is considered a collection agency. Arkansas law exempts certain people and businesses from the definition of a collection agency. Those exemptions are found at Arkansas Code Annotated 17-24-102. A creditor who collects its own accounts in its own name is not considered to be a collection agency.

If a collection agency is located in Arkansas or contacts debtors in Arkansas, it must be licensed by the State Board of Collection Agencies. Collection agencies are also required to comply with the Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act governs when, where and how consumers may be contacted. It prohibits collection agencies from harassing or abusing consumers I suggest you contact them as well.  I looked up Midland and they are not licensed/bonded in Arkansas - I could have looked it up wrong so I still suggest you contact this agency and log a complaint asap!
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#2 Consumer Comment

Answer

AUTHOR: Stacey - ()

Send them a cease communications letter via certified mail (keep copies of everything).  When (if) you get the returned card keep all the information together.  If they violate this then contact a consumer attorney - many work on a contigency basis - been there and done that.  Sued and won.

When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested.  This will provide proof that the letter was sent and received.  If the debt collector communicates with you beyond the single instance allowed by law, this evidence will allow you to seek punitive action against the debt collector.
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