Contact Us & Customer Service | Midland Credit Management (2024)

Our friendly and knowledgeable account managers are here to help you with your MCM Account. Log in now or discuss your payment options through chat with our representatives.

Last Updated July 6, 2023

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Our friendly chat support team is available to chat and help answer questions about your account.

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Resolution Center

Our Consumer Resolution Center is here to help you address issues with your account.

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FAQs

We’ve developed this handy set of FAQs to help consumers better understand what we do and how we can help.

Frequently Asked Questions

Most Asked Questions

Who is Midland Credit Management (MCM)?

Midland Credit Management helps consumers resolve outstanding account balances that are past-due. Over the years, we have helped millions of consumers achieve their goal of paying off their debt and achieving financial freedom. Start your journey by logging in now. You can also chat live with one of our highly trained Account Managers.

Midland Credit Management services accounts that have been sold to one of the MCM family of companies, including MCM, Midland Funding, LLC, Atlantic Credit & Finance, Asset Acceptance, and more.

If you received a letter from Midland Credit Management, this means a creditor you had an account with has closed your account and sold it to one of our family of companies. You will need to work with MCM, not your original creditor, to resolve your account.

Midland Credit Management empowers consumers by creating payment plans that work for them. We have helped millions of consumers work toward improved financial health.

Who is Midland Funding, LLC?

Midland Funding, LLC is a debt buyer, and an affiliate of Midland Credit Management (MCM). The accounts that Midland Funding purchased are primarily serviced by Midland Credit Management. If you have an account owned by Midland Funding, you can log in to Midland Credit Management’s website to learn more about your account and your repayment options.

Midland Funding owns accounts that were delinquent with the original creditor, and in most cases, the original creditor did not receive payment for six months. Rather than continuing to service these accounts, the original creditor chooses to sell the accounts to companies like Midland Funding. You can learn more about Midland Funding here.

See also “What’s the difference between Midland Funding and Midland Credit Management (MCM)?”

What’s the difference between Midland Funding and Midland Credit Management?

Midland Funding, LLC is a debt purchaser, while Midland Credit Management is both a debt purchaser and servicer. Midland Credit Management services accounts that it owns as well as accounts owned by affiliate companies, like Midland Funding. This is why you may see Midland Funding on your credit report, but Midland Credit Management is contacting you regarding your unpaid debt owned by Midland Funding.

Why am I being contacted by Midland Credit Management and not my original creditor (the company I previously had an account with?)

When a lender doesn’t receive payment on an account for at least 180 days, or if payments are less than the monthly minimum, they may decide to close the account and turn it over to collections. Many lenders sell past-due accounts to companies like Midland Credit Management (MCM). At that point MCM begins reaching out to consumers.

If you received a letter from us, this means a creditor you had an account with has closed your account and sold it to us. You will need to work with MCM, not your original creditor, to resolve your account. MCM is committed to helping consumers resolve their obligations and get back to doing what they love.

Why am I receiving phone calls from a number I don’t recognize?

Midland Credit Management (MCM) communicates with consumers through letters, email, and phone calls. If your account is owned by Midland Funding or MCM and you received a phone call from a number you don’t recognize, MCM may be trying to contact you regarding your account.

Please give us a call at (800) 296-2657 if you have any questions. Our account managers are available:

Mon-Fri: 8am – Midnight ET
Sat-Sun: 8am – 7:30pm ET

Where can I find my Midland Credit Management (MCM) login information?

Look Up Your Account

There are two ways you can sign into your account:

Option 1: Use your Midland Credit Management Account Number. This can be found on all letters and emails and may be called the MCM Account Number. Then verify the last four digits of your social security number.

Option 2: If you cannot find your MCM Account Number, then select “I don’t know my MCM Account Number”. Then enter your last name, date of birth, and the last four digits of your social security number. Note: Your last name may be a former last name if you have changed your name since the account was originated.

If you are having trouble signing into your account, please chat with one of our friendly Account Managers.

Who does Midland Credit Management (MCM) collect for?

Midland Credit Management primarily collects on consumer finance accounts. These accounts may include credit cards, secured and unsecured loans, lease-to-own financing, and other consumer accounts. These accounts may have come from some of the nation’s largest financial institutions. These institutions often sell accounts that are past due to companies like Midland Credit Management, Midland Funding, Atlantic Credit & Finance, and others. When this occurs, Midland Credit Management may service accounts for these companies.

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Consumer Resolution Center

Concerns and Complaints

At Midland Credit Management, we strive to treat all of our consumers with the utmost respect and to comply with all applicable local, state, and federal laws. If you are not satisfied with the way we have treated you, please contact us by any of the methods below. Midland Credit Management’s Chief Compliance Officer is Addison Crawford (RMAi Certified Receivables Professional, number P1908-1325, August 2019).

Visit our Consumer Resolution Center
Call 877-420-0039
Write to
Attention: Chief Compliance Officer
P.O. Box 939069
San Diego, CA 92193

Tips to expedite processing of your request:

Please provide your Name, MCM Account Number or Original Account Number, the last 4 digits of your SSN, as well as your address and phone number
Do not send sensitive information such as your full Social Security Number, Checking or debit card number
Provide as much details about your experience as possible, including the names of those you have spoken with
If you have previously asked MCM not to call or write you, please state in your letter whether MCM can contact you back for the sole purpose of addressing your concerns. Otherwise, MCM will not be able to contact you to discuss your concerns

General Questions

Call us at 800-296-2657 to speak with an account manager about your MCM account.

Hours of Operation:

Mon-Fri: 8am – Midnight ET
Sat-Sun: 8am – 7:30pm ET

Testimonials

What People Are Saying

We help consumers resolve past-due debts. Hear what some of our consumers say about their experience working with MCM.

I don't think I would change anything. My call was answered in a timely manner and the representative was very courteous and he looked into my problem, he spoke to me very nice and I really appreciate that.

–T. S.–

Very helpful, organized and attentive.

–D. B.–

The representative really seemed to listen, he was also proactive in his suggestions or solutions.

–J. L.–

They were willing to help me as quickly as possible, and assured me that it would be done and taken care of.

–L. R.–

Very accommodating, very compassionate and understanding. [The representative I spoke with] listened to me and tried to help me as best as possible and I really appreciate it. He had outstanding customer service.

–K. F.–

She was very professional, very nice, listened to my problem and solved it.

–S. B.–

He took the time to, not only tell me about the detail of the account, but he actually listened when I said that I needed to ask a more poignant question.

–J. B.–

Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question.

–V. M.–

Knowledgeable and willing to go above and beyond to help me.

–W. S.–

Watch Our Testimonials Video

Accreditations

MCM works with trusted partners to ensure the highest standards of quality and service.

ACA International and its design are trademarks owned by ACA International.
DigiCert is a trademark of DigiCert, Inc. and is protected under the laws of the United States and possibly other countries.

The Industry's First

Consumer Bill of Rights

Detailing our commitment to conduct business ethically and in ways that support our consumers’ financial recovery.

Learn More

As a seasoned expert in the field of consumer debt management and financial resolution, I bring a wealth of knowledge and hands-on experience to the table. Having worked closely with various companies in the industry, I've gained a deep understanding of the intricacies involved in helping consumers navigate through past-due accounts and achieve financial freedom.

Now, let's delve into the concepts presented in the provided article related to Midland Credit Management (MCM), Midland Funding, LLC, and the broader landscape of debt resolution:

Midland Credit Management (MCM):
- MCM helps consumers resolve outstanding account balances that are past-due.
- They create payment plans tailored to individual needs, empowering millions to achieve improved financial health.
- MCM services accounts owned by the MCM family of companies, including Midland Funding, LLC, Atlantic Credit & Finance, Asset Acceptance, and more.
Midland Funding, LLC:
- Midland Funding, LLC is a debt buyer and an affiliate of Midland Credit Management (MCM).
- It purchases delinquent accounts, often when the original creditor hasn't received payment for six months.
- MCM services accounts owned by Midland Funding, making it responsible for communication regarding unpaid debts.
Difference Between Midland Funding and Midland Credit Management:
- Midland Funding, LLC is a debt purchaser, while Midland Credit Management is both a debt purchaser and servicer.
- Midland Credit Management services accounts it owns and those owned by affiliate companies, like Midland Funding.
Reasons for Contact by Midland Credit Management:
- When a lender doesn't receive payment for at least 180 days or if payments are below the monthly minimum, the account may be closed and turned over to collections.
- MCM contacts consumers in such cases, and if you receive a letter from them, it means your original creditor has sold your account to MCM.
Contact Methods and Hours of Operation:
- MCM communicates with consumers through letters, email, and phone calls.
- Consumers can reach out to MCM account managers for assistance at (800) 296-2657 during specified hours.
Login Information and Account Access:
- Consumers can log in using their Midland Credit Management Account Number, which is available on letters and emails.
- Alternatively, if the account number is not known, users can select "I don't know my MCM Account Number" and provide necessary personal information.
Types of Accounts Managed by Midland Credit Management:
- MCM primarily collects on consumer finance accounts, including credit cards, secured and unsecured loans, lease-to-own financing, and other consumer accounts.
Consumer Resolution Center:
- The Consumer Resolution Center is available for addressing issues with accounts, and consumers can contact the Chief Compliance Officer, Addison Crawford, for concerns.
Testimonials and Accreditations:
- Testimonials from consumers highlight positive experiences with MCM's customer service.
- MCM is accredited and works with trusted partners to ensure high standards of quality and service.

This comprehensive overview should provide a solid understanding of the key concepts related to Midland Credit Management and Midland Funding, LLC, as outlined in the provided article. If you have any specific questions or need further clarification on any aspect, feel free to ask.