Midland Credit Management, Inc.: if a letter from them arrived

Names you may see

Encore Capital Group's subsidiary list filed with the SEC (as of Dec. 31, 2025) includes Midland Credit Management, Inc., Midland Funding LLC, Asset Acceptance Capital LLC and Atlantic Credit & Finance, Inc., among others.

“Subsidiaries of Encore Capital Group, Inc. As of December 31, 2025 Name Jurisdiction of Incorporation or Formation Asset Acceptance Capital LLC Delaware Asset Acceptance, LLC Delaware Atlantic Credit & Finance, Inc. Virginia”
Encore Capital Group, Inc., Form 10-K for fiscal year 2025, Exhibit 21 (filed Feb. 25, 2026)

What the company does

“We primarily purchase portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery.”
Encore Capital Group, Inc., Form 10-K for fiscal year 2025, Item 1 (filed Feb. 25, 2026)

Where it is based

Encore Capital Group states in its annual report that its headquarters is in San Diego, California.

Complaints to the CFPB

From 2023-10-01 to 2026-09-30, consumers sent the CFPB 35,469 debt-collection complaints naming ENCORE CAPITAL GROUP INC.. The company responded on time to 100% of them. Most complaints came from TX (5,007), FL (4,226), CA (3,345), GA (2,650), NY (1,940), IL (1,560). Where consumers named the kind of debt: credit card debt (11,214), other debt (1,341), medical debt (132), telecommunications debt (132).

What the complaints were about

How the company responded

The CFPB publishes complaints after the company responds or after 15 days. It does not verify every fact in a complaint, and complaint counts reflect company size and how many consumers know to complain as well as company conduct.

Public enforcement actions

CFPB Consent Order, In the Matter of Encore Capital Group, Inc., Midland Funding, LLC, Midland Credit Management, Inc. and Asset Acceptance Capital Corp., File No. 2015-CFPB-0022, Sept. 9, 2015 (CFPB press release)

On September 9, 2015, the CFPB issued a consent order against Encore Capital Group and its subsidiaries Midland Funding, Midland Credit Management and Asset Acceptance Capital Corp.; the CFPB stated it found the companies bought debts that were potentially inaccurate, lacking documentation, or unenforceable, and ordered Encore to pay up to $42 million in consumer refunds and a $10 million penalty.

“The Bureau found that Encore Capital Group and Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents.”
CFPB Consent Order, In the Matter of Encore Capital Group, Inc., Midland Funding, LLC, Midland Credit Management, Inc. and Asset Acceptance Capital Corp., File No. 2015-CFPB-0022, Sept. 9, 2015 (CFPB press release)

CFPB Consent Order 2015-CFPB-0022, Sept. 9, 2015 (CFPB press release)

According to the CFPB, the 2015 order required Encore to pay up to $42 million in consumer refunds and a $10 million penalty, and to stop collection on over $125 million worth of debts.

“Encore must pay up to $42 million in consumer refunds and a $10 million penalty, and stop collection on over $125 million worth of debts.”
CFPB Consent Order 2015-CFPB-0022, Sept. 9, 2015 (CFPB press release)

CFPB Consent Order 2015-CFPB-0022, Sept. 9, 2015 (CFPB press release)

The CFPB's 2015 announcement identifies Midland Funding LLC, Midland Credit Management and Asset Acceptance Capital Corp. as Encore subsidiaries named in the action.

“Encore Capital Group, Inc. is headquartered in San Diego, Calif. Its subsidiaries also named in today’s action are Midland Funding LLC, Midland Credit Management, and Asset Acceptance Capital Corp.”
CFPB Consent Order 2015-CFPB-0022, Sept. 9, 2015 (CFPB press release)

CFPB v. Encore Capital Group, Inc., et al., No. 3:20-cv-01750 (S.D. Cal.), Stipulated Final Judgment and Order, Oct. 16, 2020

On September 8, 2020, the CFPB sued Encore and the same three subsidiaries in federal court, alleging they violated the 2015 consent order and again violated the FDCPA and CFPA; on October 16, 2020, the court entered a stipulated final judgment requiring $79,308.81 in consumer redress and a $15 million civil money penalty.

“On October 16, 2020, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay $79,308.81 in redress to consumers and a $15 million civil money penalty.”
CFPB v. Encore Capital Group, Inc., et al., No. 3:20-cv-01750 (S.D. Cal.), Stipulated Final Judgment and Order, Oct. 16, 2020

CFPB v. Encore Capital Group, Inc., et al., No. 3:20-cv-01750 (S.D. Cal.)

The CFPB's summary of the 2020 lawsuit states that the Bureau alleged Encore and its subsidiaries violated the terms of the 2015 consent order and again violated the FDCPA and CFPA.

“The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA.”
CFPB v. Encore Capital Group, Inc., et al., No. 3:20-cv-01750 (S.D. Cal.)

If you got a letter from Midland Credit Management, Inc.

1. Check that the debt is yours and the amount is right before you pay anything. A collector has to send a validation notice listing the creditor and an itemization of the amount.
2. Within 30 days of receiving that notice you can dispute in writing; the collector then has to stop collecting the disputed amount until it verifies the debt. The validation letter generator writes that letter.
3. If the debt is old, check your state's statute of limitations before you pay or promise anything — in many states a payment can restart the clock, in others it cannot.
4. If something is wrong, you can submit your own complaint at consumerfinance.gov/complaint.