Complaint Review: Midland Credit Management - MCM - Midland Funding - Encore Capital Group - San Diego California
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- Author Confirmed
- Midland Credit Management - MCM - Midland Funding - Encore Capital Group 8875 Aero Drive Suite 200 San Diego, California U.S.A.
- Phone: 800-935-4566
- Web:
- Category: Collection Agency's
Midland Credit Management - MCM - Midland Funding - Subsidiary Of Encore Capital Group Company sent me collection letter for a debt I do not owe ripoff San Diego California
*Consumer Comment: re:
*Consumer Comment: re:
*Consumer Comment: re:
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MCM send me a letter entitled 'Settlement Opportunity'. This debt collections company claims I owe them $1514.71 for a CITIBANK USA debt. I don't owe this debt.
The only time in my life I have ever had credit problems was right out of college. That was 24 years ago. Since then, I have perfect credit and always pay all my bills on time.
I double-checked my 3 credit reports (free at annualcreditreport, by the way) to make sure there are no errors. There ARE no errors - my credit reports are all flawless. I saw that Midland Credit Managment did a credit inquiry on TransUnion - they saw I didn't owe this debt and apparently decided to try to collect anyway!
I will write to them to tell them I don't owe this money.
Zoey
Orange County, California
U.S.A.
This report was posted on Ripoff Report on 08/21/2007 12:32 PM and is a permanent record located here: https://www.ripoffreport.com/reports/midland-credit-management-mcm-midland-funding-encore-capital-group/san-diego-california-92123/midland-credit-management-mcm-midland-funding-subsidiary-of-encore-capital-group-com-269147. 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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#3 Consumer Comment
re:
AUTHOR: John - (U.S.A.)
SUBMITTED: Tuesday, August 21, 2007
Don't bother with writing a long letter....simply request a "debt validation" per your rights under the Fair Debt Collection Act.
Send this letter via Registered Mail with Return Receipt...enclose a photocopy of what they sent you with a simple note stating:
I do not recognize this debt and I am requesting validation per the Fair Debt Collection Act. They must validate the debt per federal law.
Also, you might want to check your credit reports again in a month or so...this firm is notorious for causing damage to credit files.
#2 Consumer Comment
re:
AUTHOR: John - (U.S.A.)
SUBMITTED: Tuesday, August 21, 2007
Don't bother with writing a long letter....simply request a "debt validation" per your rights under the Fair Debt Collection Act.
Send this letter via Registered Mail with Return Receipt...enclose a photocopy of what they sent you with a simple note stating:
I do not recognize this debt and I am requesting validation per the Fair Debt Collection Act. They must validate the debt per federal law.
Also, you might want to check your credit reports again in a month or so...this firm is notorious for causing damage to credit files.
#1 Consumer Comment
re:
AUTHOR: John - (U.S.A.)
SUBMITTED: Tuesday, August 21, 2007
Don't bother with writing a long letter....simply request a "debt validation" per your rights under the Fair Debt Collection Act.
Send this letter via Registered Mail with Return Receipt...enclose a photocopy of what they sent you with a simple note stating:
I do not recognize this debt and I am requesting validation per the Fair Debt Collection Act. They must validate the debt per federal law.
Also, you might want to check your credit reports again in a month or so...this firm is notorious for causing damage to credit files.
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