Encore Capital Group / Midland Credit Management

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 647 historical complaints about Encore Capital Group / Midland Credit Management, published between 2003 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Consumer ReportPublished May 15, 2013 · Historical consumer allegation
• Consumer ReportPublished Apr 30, 2013 · Historical consumer allegation
• Consumer ReportPublished Mar 21, 2013 · Historical consumer allegation
• Consumer ReportPublished Mar 20, 2013 · Historical consumer allegation
• Unverified collectionPublished Jan 26, 2013 · Historical consumer allegation
• Debra holder x employee made me pay an account i did not own compliacne department will not respondPublished Jan 7, 2013 · Historical consumer allegation
• MCM Expired Statue of LimitationsPublished Dec 5, 2012 · Historical consumer allegation
• This company froze our family cash funds that were for home insurance and property taxes. This was on an old debt that the mississippi sol were expired. We could not dispute the charges because of allPublished Oct 31, 2012 · Historical consumer allegation
• Those who wish to file a complaint against Midland Credit Management Inc., here is some recent informationPublished Oct 24, 2012 · Historical consumer allegation
• Harassment, not verifying debt, claiming the T-mobile debt is mine when it's not, and violated call timesPublished Sep 24, 2012 · Historical consumer allegation
• Continues to call about a Natasha that has not had this phone number for over three yearsPublished Aug 30, 2012 · Historical consumer allegation
• Midland Funding Stole my identity to create false accounts using my name in early 2012 in order to probably later try and collect a judgement against me, Stuart Blatt is the main person behind thisPublished Aug 8, 2012 · Historical consumer allegation
• Account Placed on hold and cleaned out to zero now negative balancePublished Aug 5, 2012 · Historical consumer allegation
• Encore Capital Group, Inc. MIDLAND CREDIT MANAGEMENT: What You Didn't Know!Published Jul 31, 2012 · Historical consumer allegation
• Non stop harrasing phone callsPublished Apr 25, 2012 · Historical consumer allegation
• Aspire visa midland funding is coming after me for a cc i have never had. Never owned one credit card in my life. Had no communication what so ever and got served at work for 1630.00 i filed a hearing and the attPublished Apr 13, 2012 · Historical consumer allegation
• Midland Funding LLC Distructive PracticesPublished Apr 12, 2012 · Historical consumer allegation
• (Midland Funding LLC) credit identity theftPublished Mar 29, 2012 · Historical consumer allegation
• Midland Credit Management, Inc., and MRC Receivables, Corp HARRASSING, LIERSPublished Mar 17, 2012 · Historical consumer allegation
• MCM Fudged the date when the Account was first openedPublished Mar 12, 2012 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Midland Credit Management website: https://www.midlandcredit.com/
• MCM account managers (account questions, payments): 800-296-2657
• MCM Chief Compliance Officer / Consumer Resolution Center: 877-420-0039
• MCM Consumer Support Services (inaccurate info, bankruptcy, not my debt): 800-825-8131 ext. 32980
• MCM Consumer Resolution Center (online complaint form): https://www.midlandcredit.com/help-center/cco/
• MCM account lookup / login: https://accounts.midlandcredit.com/
• Encore Capital Group headquarters (per 10-K): 877-345-3002

Locations

Midland Credit Management and Encore Capital: disputing a debt, credit reports, complaints (checked October 6, 2026)

Midland Credit Management, Inc. (MCM) is the company that sends letters and calls under this name. MCM’s FAQ says it “is both a debt purchaser and servicer” that “services accounts that it owns as well as accounts owned by affiliate companies,” and MCM’s FAQ calls Midland Funding LLC “a debt buyer, and an affiliate” of MCM. Its parent, Encore Capital Group, Inc. (San Diego, Nasdaq: ECPG), describes itself in its 2025 Form 10-K as a specialty finance company that “primarily purchase[s] portfolios of defaulted consumer receivables at deep discounts to face value.” MCM’s FAQ (last updated September 22, 2026) says that if you received a letter, “a creditor you had an account with has closed your account and sold it to one of our family of companies,” and that you “will need to work with MCM, not your original creditor.” A collector or debt buyer is a different business from the original creditor, and the letter does not by itself show that the amount is correct. The pages below were opened on October 6, 2026.

Company routes (from MCM’s own pages). Account managers: 800-296-2657, Mon–Sun 8am–Midnight ET (Contact page, last updated Aug 20, 2026). To dispute information, report a bankruptcy or say the debt is not yours, the FAQ points to Consumer Support Services at (800) 825-8131, Ext 32980 (Mon–Fri 8am–7:30pm ET), the online Consumer Resolution Center, or live chat. MCM’s Consumer Response Center page (last updated August 20, 2025) says it offers options to “request additional information about your account, dispute any portion of the debt, or make a payment.” Complaints go to the Chief Compliance Officer: online form, 877-420-0039, or mail to Attention: Chief Compliance Officer, P.O. Box 939069, San Diego, CA 92193. The online form has required fields including the account number and the last four digits of the SSN. After logging in, MCM says a Document Center shows “select documents from your original creditor.”

Your rights, quoted from the CFPB. The CFPB says validation information is “generally” provided in a written initial notice or within five days of the collector’s first communication, and that a collector’s validation notice must state the creditor, the amount, that you can dispute within 30 days, and that “if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt.” Once disputed, “the collector can’t call or contact you to collect the debt until they’ve responded with verification of the debt” (CFPB page last reviewed Aug 2, 2023). The CFPB also says that if you send the written verification request within the 30-day period, “the debt collector must pause collecting the amount of the debt you are disputing” until it has adequately responded (CFPB page last reviewed Jan 29, 2024). Keep copies of letters and write down dates of calls. If you think the amount is wrong or the debt is not yours, a written dispute inside the 30-day window is the step the CFPB describes; the CFPB also publishes sample letters.

Outside routes. You can submit a complaint about a debt collector to the CFPB (consumerfinance.gov/complaint), to the FTC (reportfraud.ftc.gov) and to your state attorney general. For a wrong credit report entry, dispute it with the credit bureau as well as with the furnisher (see the credit reporting FAQ below). This page is general information, not legal advice; if you are sued, the court papers carry deadlines that do not pause because you wrote to the collector.

CFPB, FTC and state attorney general actions involving Encore, Midland and Asset Acceptance

CFPB, September 2015 (administrative consent order, File No. 2015-CFPB-0022). On September 9, 2015 the CFPB issued an order against Encore Capital Group, Midland Funding LLC, Midland Credit Management and Asset Acceptance Capital Corp. In its press release the CFPB said the companies “bought debts that were potentially inaccurate, lacking documentation, or unenforceable” and listed findings including: attempting to collect on unsubstantiated debt, relying on “misleading, robo-signed court filings,” sending letters from at least July 21, 2011 to March 31, 2013 offering a time-limited chance to “settle” without saying the debt was too old to sue on, and (for Asset Acceptance) calls before 8 a.m. or after 9 p.m. The CFPB said Encore must pay up to $42 million in consumer refunds and a $10 million penalty, stop collecting over $125 million of debts and stop reselling debts. The CFPB page lists the action’s status as “Expired/Terminated/Dismissed.”

CFPB v. Encore Capital Group, filed September 8, 2020 (S.D. Cal., No. 3:20-cv-01750). The CFPB sued, alleging the companies violated the 2015 consent order and again violated the FDCPA and the Consumer Financial Protection Act. The CFPB’s press release summarized the alleged conduct as suing consumers without required documentation, using law firms and an internal legal department for collection without required disclosures, failing to provide loan documentation on request, suing on or trying to collect time-barred debts without required disclosures, and failing to disclose possible international-transaction fees. The court entered a stipulated final judgment on October 16, 2020 requiring $79,308.81 in redress to consumers and a $15 million civil money penalty, with required disclosures, no collection of time-barred debt absent certain disclosures, and conduct provisions of the 2015 order for five more years. The CFPB terminated the 2015 consent order on October 20, 2020 because the 2020 judgment superseded it. Encore’s 2025 10-K says its 2020 judgment required it to “continue to follow a narrow subset of the operational requirements” and that it “expired in October 2025.” The lawsuit concluded through that stipulated final judgment; the conduct described above is what the CFPB alleged, and this page does not state any finding or admission. The copy of the judgment we could open was not machine-readable, so this page does not state whether it contains an admission or denial.

42 states and the District of Columbia, December 2018 ($6 million). Virginia’s attorney general announced on December 4, 2018 that Virginia had joined 41 other states and the District of Columbia in a $6 million settlement with Encore Capital Group, Midland Credit Management and Midland Funding. The announcement says the settlement resolved claims that Midland “signed and filed affidavits in state courts in large volumes without verifying the information printed in them,” required it to verify affidavits and have account documents before filing suit, to review original account documents when a consumer disputes a debt, and prohibited it from reselling debt for two years. For Virginia it eliminated or reduced judgment balances of 689 Virginians totaling $879,729 and reserved $25,000 for reimbursements. Encore’s 10-K for 2025 adds that it remains “subject to ancillary state Attorney General investigations related to historical debt collection practices” and has discussed resolution with additional attorneys general; the second-quarter 2026 10-Q reports no material developments since the 10-K.

FTC, January 2012 (Asset Acceptance, LLC). Before Encore acquired Asset Acceptance Capital Corp. (merger completed June 2013 per Encore’s 10-K), the FTC announced that Asset Acceptance, LLC had agreed to pay a $2.5 million civil penalty to settle a nine-count complaint alleging misrepresentations when collecting old debts, including failing to disclose that debts were too old to be legally enforceable. Encore’s 10-K says Asset Acceptance entered a consent decree and “paid a civil penalty of $2,500,000.”

About Midland Credit Management, Midland Funding and Encore Capital Group

Who they are. MCM’s website says MCM “specialize[s] in servicing accounts that have fallen behind and have been charged off by the lender” and is “a subsidiary of Encore Capital Group.” It says it has helped “more than 7,000,000” consumers and has been “Trusted Since 1953” (company claims). Encore’s 10-K says its U.S. operations are “serviced through our operations centers in the United States, India and Costa Rica” and that it also owns Cabot Credit Management in the United Kingdom. The CFPB described Encore and its subsidiaries in 2020 as together “the largest debt collector and debt buyer in the United States.”

Entities you may see. MCM’s FAQ names Midland Credit Management, Inc. (NMLS ID 934164) and affiliates Midland Funding LLC (NMLS 973111), Atlantic Credit & Finance (two special finance unit LLCs), Asset Acceptance, LLC (NMLS 1085166), MRC Receivables Corporation and Midland Funding NCC-2 Corporation. MCM says Midland Funding LLC “is a debt buyer” and that MCM “services accounts that it owns as well as accounts owned by affiliate companies,” which is why Midland Funding can appear on a credit report while MCM contacts you. The old brand “Asset Acceptance” is a separate subsidiary acquired in 2013 and still named in MCM’s FAQ.

MCM’s stated policies. Its credit reporting policy (last updated Dec 19, 2022) says MCM “will never report an account to the credit bureaus” if payments begin within six months of the mailing of its initial notice and are then made at least each calendar month until the account is paid or resolved for less than the full balance. It also says that if an account is paid or settled in full after reporting begins, “we will request a deletion of our tradeline after the payment resolving the account is processed,” which “typically takes up to 45 days,” and that it is “required to delete our credit reporting tradeline seven years after the delinquency date.” MCM’s FAQ says that if you are actively making payments MCM “will not sue you,” that it “may sue consumers” in some circumstances, and that after the statute of limitations passes it will tell you it “cannot and will not sue.” It also says logging in “does not restart the statute of limitations.” MCM publishes a “Consumer Bill of Rights” with five articles (treatment, hardship, complaints and disputes, collection practices, privacy and security).

Midland and Encore complaint record: BBB, CFPB database, Trustpilot and this site’s archive

As displayed on October 6, 2026. BBB (headquarters listing for Midland Credit Management Inc, San Diego): rating A+, not BBB Accredited, 796 total complaints in the last 3 years and 129 closed in the last 12 months, and “Average of 1,407 Customer Reviews” shown as 4.63 out of 5; BBB says reviews do not affect the letter grade. MCM’s home page also shows a Google rating of 4.6 from 5,331 reviews (company-displayed widget). Trustpilot has an unclaimed profile for midlandcredit.com with no reviews. The CFPB complaint database lists Midland Credit Management complaints under the company name “ENCORE CAPITAL GROUP INC.”: 68,319 complaints received from March 4, 2013 to October 5, 2026, including 23,356 since October 6, 2025 (queried October 6, 2026). By product, 54,976 are debt collection and 8,684 are credit reporting or other personal consumer reports; the most frequent issue named is “Attempts to collect debt not owed” (20,086), followed by “Took or threatened to take negative or legal action” (8,995) and “Written notification about debt” (8,472). Company responses: closed with explanation 44,731, closed with non-monetary relief 23,258, closed with monetary relief 98; timely response yes 68,288, no 31. These are complaints submitted to the CFPB, not findings, and they are not compared with BBB or this site’s posts. These figures come from different sources with different rules and are not added together.

Archive posts on this site. 871 archive posts name Midland, MCM, Encore or Asset Acceptance (647 name only those entities in the offender field; the others name them together with a creditor, law firm or other collector). The primary posts are dated 2003–2013, with most from 2006–2009, so they describe the practices of those years, not today’s procedures. Writers describe: lawsuits, judgments or garnishment (303 posts); credit report entries (263); debts they say are old (225); calls and collector conduct (194); debts they say are not theirs or unfamiliar (177); settlement offers (149); validation requests (137). Counts are keyword matches over the 647 primary posts, not findings; the posts are consumers’ own accounts and have not been verified.

Midland and Encore consumer lawsuits and settlements

Consumer class settlement (TCPA). In re Midland Credit Management, Inc. Telephone Consumer Protection Act Litigation, No. 11-md-2286 (S.D. Cal.). A June 28, 2017 order in a related case states that on December 2, 2016 the court granted final approval of a class settlement that resolved TCPA claims by class members for calls made from November 2, 2006 to August 31, 2014. The settlement amount is not stated in the order we opened and is not given here.

Encore’s description of litigation. Encore’s 2025 10-K says the company, “along with others in its industry, is routinely subject to legal actions” under the FDCPA, FCRA, TCPA and state laws, with allegations that include collecting debts on which the statute of limitations has run, and that as of June 30, 2026 it had “no material reserves for legal matters.” Individual cases are not listed on this page unless a court or agency document was opened.

If you are sued. Read the summons for the response deadline and the court. The summons, not the collector's letters, sets the deadline; a licensed attorney or local legal aid can advise on the response.

Is Encore Capital Group / Midland Credit Management Legitimate?

Midland Credit Management, Inc. is a subsidiary of Encore Capital Group, Inc., a company that files reports with the SEC (Form 10-K for 2025 filed February 25, 2026; Form 10-Q for June 30, 2026 filed August 5, 2026) and lists NMLS IDs on its website (MCM 934164). BBB shows an A+ rating and “NOT a BBB Accredited Business.” The CFPB (2015 and 2020), the FTC (2012, Asset Acceptance) and 42 states and the District of Columbia (2018) have taken the actions described above; the company’s 2025 10-K says the 2020 judgment expired in October 2025. Whether a particular letter is about a debt that is yours is a separate question: you can ask for validation within 30 days of the notice and check the information against your own records and your credit reports. The CFPB’s guidance on verifying a collector suggests asking for the caller’s name, company name, street address, telephone number and, if your state licenses collectors, the professional license number, and says: “Do not share your personal financial information unless you are sure the debt collector is legitimate.”

Court & Public Records

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

• Named as the collector: False Accusations and Charges From a Chase Account I Never Had
• Named as the collector: Consumer Report
• Named as the collector: MCM Sent me a bill for $807.39 naming T-Mobile as Original Creditor - this is false!
• Named as the collector: Javitch, Block & Rathbone, Attorneys-at-Law Taking monthly payments for a previous credit card account in 2008. Taking my money and haven't ever received a monthly statement on a balance
• Named as the collector: Will not take a reasonable settlement offe
• Named as the collector: Consumer Report
• Named as the collector: MCM, Midland Credit, Credit Management, Inc, miland credit online these guys are hassleing - I was asked for help from a 70 year old woman
• Named as the collector: A cussing out by phone
• Named as the collector: MCM, Midland Funding LLC convinced me into letting them take payment out of debit card I'm on SSI
• Named as the collector: Encore Capital Group, parent company, Pacific Bell Telephone Co. D/b/a AT&T California Months of robocall harassment for FOUR different debtors that were not me
• Named as the collector: MCM, Stelios A. Harris Unfair Legal Practice - Filing Default Judgement without Cause
• Named as the collector: Asset Acceptance, LLC Acct#: 10028 They are discounting from my checking acct every month $50 for an old account from AIMCO
• Named as the collector: False delinquent cell phone bill sent to collections
• Named as the creditor: Consumer Report
• Named as the collector: Garnished Entire Checking
• Named as the collector: Robbery
• Named as the collector: Settling a debt with this company since 2009 @ $100.00 a month, I owe more now than back in 2009?"
• Named as the collector: Trying to collect on a debt that is past the staute of limitations
• Named as the collector: Midland funding llc midland credit trying to shake me down
• Named as the collector: American mediators, various atty's Notariously shady junk acct collecto

Company Relationships

• Collects debts for: Midland Funding LLC
• Affiliated with: Asset Acceptance Capital Corp.
• Affiliated with: Atlantic Credit & Finance
• Affiliated with: Cabot Credit Management Limited

Frequently Asked Questions