Midland began calling me about a debt they say I owe from 2004. I stated that I had to knowledge of any debt with that company. Later, I sent a certified letter asking for verification of this debt, which they never responded to. They continued to call, multiple times a day, everyday. It was always from a private number, so I began answering it. The representatives would ask for me by first name and fail to state theirs or that of the company they are calling with. After asking, they would finally give me a name like "Scott Jones", however with their limited english speaking ability I found that unlikely. This continued for weeks until I sent a letter demanding that they refrain from calling. For nearly two weeks after receiving this letter, they didnt call at all. Then suddenly, they started calling at the same rate they were before.

I already knew that they had gotten it, because it was also certified through the USPS and signed for by their mail room. I also know that they have to honor that upon receiving it, which they did and then for some reason started calling again. When I got a representative on the phone, I stated that they had received such a letter and that they were in violation. He stated that he had no record of it and I then explained the date and time. At that time, I asked for a supervisor, which he found one. This person got on the phone and told me that same thing that the other one did. There was no record of such a document, and stated that they were calling about (blank debt). At one point he began asking me if I was going to pay it, and if there was a reason of why I couldnt pay it. I told him I was not calling about that debt, as I had already disputed it with them and asked for validation. It ended with him hanging up on me. So I called right back and was transferred to the same guy that was calling me 6 times a day. I told him that I wanted to speak with another supervisor and told him what had happened with the other one. He got someone else on the phone and I had to explain the situation with them calling me after being requested not to and stated that they were in violation. I also had to explain what the supervisor had said and done, and at this time he told me that he had spoken with that person and that this person had said that "it was mutually agreed" that the conversation was over. I denied this and asked him to listen to a recording of the call, as I know they do this. He agreed to take a verbal statement demanding that they not call me. He also said that they would investigate and respond to the concerns with their employees and that was it.

At some point, I ended up taking to someone else in another department to find out what happened to the letter I sent and try to settle the issues that I had with them directly. The woman told me that it takes 30 days to update their systems after receiving the letter and that it would be why they are still calling. I reminded her that the activity has to cease upon receipt, to which she had no response. I also asked why there were no called for 2 weeks following the letter, and she simply stated that they must have ceased collection activity. She continued by asking if there was anything else she could help me with, to which i responsded that she hadnt helped me with the present issues and the conversation ended.

Following that I filed a complaint with the BBB, explaining what had happened. Then followed with the attorney generals office and FTC. Their response to the BBB was vague as explaining what the debt was for, which they already told me. It also included that they are investigating the actions of the employees because it is against "company policy" and a restatement of something I had in the complaint. I have been going back and forth with the BBB on why this response isnt sufficient, to which they keep asking what my requests are and stating that they are unsure of what concerns I have with their response. I have already explained that it doesnt address any of the concerns contained in my original complaint and therefore cannot be found acceptable. The attorney generals office has responded to me, stating that they are in contact with the company in an effort to resolve this. However, it also stated that if they are unwilling to respond, I may have to resort to private legal action. However, this is still up in the air as of today. I dont think I have ever gotten a response from the FTC, so I dont plan on it.

They have been fighting me every step, eventhough they are the ones who are in violation of the law. I have never had to deal with such an unprofessional company in my life. I hope I never have to deal with them again in the future. They should not be allowed to conduct business in the manner that they do.

How can this company sue someone without having them served to appear in court for suit? I received a judgment for my property and I do not even know what this matter is about and had no contact with this agency!

I am pissed that they are not doing this procedure the legal way! They are skipping all formality and going straight for the jugular! The company name is Midland Credit Funding, LLC. based in Bay City, Michigan. Who do they work for and why are they charging interest for their work to us consumers? I am tired of them!

Midland credit management continuosly changes the dates on my old debt...this happens every time I pull my credit file and dispute the account.. the date changes to reflect the most recent dispute...as the debt they speak of is at least 15 years old...and in the state of Texas any alleged debt not collected in 4 years is SUPPOSE to be a dead non-collectable debt..However our credit bureaus..continualy allow these assholes to do this...I have written to Midland Credit management and they do not respond...It is my opinion that our credit bureaus are equally to blame for not following the law...

These people called me 8 times in 4 days, including at 8am on a Sunday. I made a large payment during the first call and explained that I would make another payment the following month. They called over and over and over during the next 3 days asking when I was going to make the next payment and how much it would be in a largely unintelligible foreign accent. When I told him that I would make another payment next month, he said "so you not gonna make payment this month?" I explained that I made a payment 2 days ago and that 2 days ago was THIS MONTH! This company is ridiculous and if they keep calling me I'm going to file a harassment suit.

Midland calls me about 6 times a day on my cell phone during work hours so i do not answer. The kicker from this is they don not leave a message for a return call. Next the guy says when i did answer that i have been making regular payments, so i ask why the calls then. He say i owe him the money and i say nope its the company i had the account with not you and he gets really upset and hells at me and gets rude and talks to me like i him his child or something so i go off him. I ask him how did he get my cell number and i never get answer back or any answers on the account. So i just hang up amd that makes them really mad and when they call again they mad so right off the bat they rude and confrontational so i just tell what i will do and hang up. But really who do they think they are for real