Midland Credit Management: who they are and what the CFPB complaint record shows
Midland Credit Management: CFPB complaint record (last 3 years), the most common complaint issues, and the rights the law gives you when a collector contacts you.
Last updated
Short answer: Midland Credit Management (MCM) is a subsidiary of Encore Capital Group, a Nasdaq-listed company based in San Diego (per Encore's 2025 10-K). Encore's subsidiaries buy or service portfolios of receivables from banks, credit unions and utility providers; Midland Funding LLC is the affiliated account owner. If Midland Credit Management has contacted you, federal law (the Fair Debt Collection Practices Act and the CFPB's Regulation F) gives you the right to a validation notice and to dispute the debt. This page lists facts only; it is not legal or financial advice.
Company facts
| Field | Value |
|---|---|
| Legal name | Midland Credit Management, Inc. (Kansas), a subsidiary of Encore Capital Group, Inc. (Encore 2025 10-K, Exhibit 21) |
| Headquarters | Encore: 350 Camino De La Reina, Suite 100, San Diego, CA 92108 (10-K). MCM mailing address: P.O. Box 939069, San Diego, CA (midlandcredit.com) |
| Type | Debt buyer and collector. Encore "through its subsidiaries… purchases or services portfolios of receivables" (encorecapital.com); Midland Funding LLC is the affiliated account owner (Exhibit 21) |
| Website | midlandcredit.com |
| Phone | (800) 296-2657 (midlandcredit.com) |
| State license | Check it yourself on NMLS Consumer Access (we do not copy NMLS data) |
CFPB complaint record (Oct 14, 2023 – Oct 13, 2026)
The CFPB does not list a company named "Midland Credit Management." The figures below are for ENCORE CAPITAL GROUP INC., Midland Credit Management's parent company (Encore's 2025 10-K, Exhibit 21). Encore's totals may include other Encore businesses.
Company name searched in the CFPB database: ENCORE CAPITAL GROUP INC.
- Complaints received: 45,514
- Timely company response: 45,508 of 45,514 (100.0%)
Top 5 issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 15,019 |
| Took or threatened to take negative or legal action | 7,341 |
| Written notification about debt | 5,804 |
| False statements or representation | 5,355 |
| Incorrect information on your report | 4,471 |
How the company closed complaints
| Response | Complaints |
|---|---|
| Closed with explanation | 30,279 |
| Closed with non-monetary relief | 14,983 |
| In progress | 241 |
| Closed with monetary relief | 11 |
Top states by complaints
| State | Complaints |
|---|---|
| TX | 6,432 |
| FL | 5,522 |
| CA | 4,346 |
| GA | 3,435 |
| NY | 2,510 |
The CFPB notes that complaint counts are not a rating and should be considered in the context of a company's size. Complaints are not verified by the CFPB. See this query in the CFPB database.
Public enforcement actions
| Date | Agency | Summary | Source |
|---|---|---|---|
| Sep 9, 2015 | CFPB | Consent order (2015-CFPB-0022) against Encore, Midland Funding, Midland Credit Management and Asset Acceptance over debt collection practices. Status: expired/terminated | CFPB |
| Jun 2011 | FTC (amicus brief, not an enforcement action) | FTC opposed a proposed class-action settlement in Vassalle v. Midland Funding over "robo-signed" affidavits, arguing class members would give up too much for at most $10 each | FTC press release |
| Oct 16, 2020 | CFPB / U.S. District Court (S.D. Cal.) | After the CFPB sued alleging violations of the 2015 order, the court entered a stipulated judgment: $79,308.81 consumer redress and a $15 million civil money penalty. Encore's 10-K says the judgment expired in October 2025 | CFPB, 10-K |
| Dec 4, 2018 | 42 state attorneys general and D.C. | Multistate settlement with Encore, Midland Credit Management and Midland Funding over "robo-signed" court affidavits: $6 million to the states, debt-balance relief for certain consumers, and practice changes | D.C. AG press release, Ohio AG press release |
What the law gives you when a collector contacts you
- Validation notice. Under Regulation F (12 CFR 1006.34), a debt collector must give you a validation notice with the amount owed, the creditor and how to dispute. eCFR §1006.34
- Right to dispute. The notice gives the date by which you can dispute; if you dispute in writing in that period, the collector must stop collecting until it sends verification. CFPB: What information does a debt collector have to give me?
- Sample letters. The CFPB publishes free sample letters to request information, dispute a debt or limit contact. CFPB debt collection letters
- Complaints. You can file a complaint with the CFPB at consumerfinance.gov/complaint.
- Time limits. Each state sets a statute of limitations on debt. Each state has its own rules; a state-by-state guide is coming soon.
Frequently asked questions
Is Midland Credit Management a real debt collector?
Yes. Encore Capital Group's SEC filings list Midland Credit Management, Inc. as a subsidiary.
What should I ask Midland Credit Management for first?
The validation information described in Regulation F §1006.34; the CFPB's sample letters cover this.
Can I file a complaint about Midland Credit Management?
Yes, anyone can file a complaint with the CFPB online.