Complaint / Review
Midland Credit Management
Paid fingerhut account resurfaces as outstanding after 16 years ripoff

I'm hoping I can find help for my mother-in-law.

In the beginning of this year she received a letter from Midland Credit Management stating she owed $387.96 for a Fingerhut account that was opened in 1988. We are sure this account was paid off via a settlement offer. I personally made the Western Union transaction to Fingerhut when the account was paid in full. I have contacted Western Union to obtain proof of the transaction, but their archives only go back 5 years. Since this was so many years ago we do not have anything that proves this was paid in full.

Since the first letter there have been many many more, not to mention the daily phone calls she receives. My mother-in-law is 71 years old and not in the best of health. These phone calls are upsetting to her. The majority of the people that have called her have been very rude.

I have personally looked at the letters she has been sent. Each letter has different phone numbers. One letter contradicts itself due to the start of the letter saying it's a Fingerhut account and the end of the letter saying it's an account from an aspire visa card with a completely different account number.

I personally got the pleasure this morning of taking the phone call from a representative from Midland. I informed him I was speaking in behalf of my mother-in-law due to her being extremely ill.

I felt I asked reasonable questions concerning this so-called outstanding account from fingerhut. He was not able to answer any of them and became extremely hostile over the phone. He actually began screaming at me. I asked him his name and asked to speak with his manager. He gave me quite a fight over giving me his name and put a supposed manager on the phone who was just as rude. I informed him that I would be obtaining legal advice on behalf of my mother-in-law. He then demanded an attorneys name.

My mother-in-law wants to pay them the money they are requesting to stop the phone calls and the letters. I have advised her otherwise and asked her to allow me to do some further research. I found this website and was in total awe at the amount of reports pertaining to Midland.

I apologize if any of this is confusing and long winded, I just need to know what to do.