Mid-Atlantic Consumer Services Credit Card Complaint

Payoff process

Mid-Atlantic Consumer Services Credit card department,

Payoff process Connecticut

I keep receiving phone calls from a debt collection agency Mid Atlantic. They are threatening me with a potential judgement regarding a debt from 2009. They claim it 's from - - but when I looked on my credit report there is no account mentioning - -. They also mentioned - which I am assuming is another credit card company that possibly bought the account? Neither one is mentioned on my credit report. I paid multiple accounts off throughout the past - years. Each time I paid via a website and received a confirmation letter either via email or mail. I also printed each receipt after making payment. This company says I can only pay over the phone with a credit/debit card or a prepaid card. I told them I do n't do that because -, there is no mention of this account on my credit report and - I only make payments via internet or through the mail with a money order. He said I would have to wait for the hearing. I 've been getting these phone calls non stop for several months. I feel it 's a scam and how do I truly know who I am paying. Why have n't they sent me paper work via United States mail? I 've lived at the same address for many years. Why has n't the original creditor contacted me? Why has n't a collection agency sent me a letter in the mail? I only want contact with this company via United States Mail. And I want proof that the debt is legit. I could 've paid it off with another agency and that agency never reported it.

Mid-Atlantic Consumer Services customer in Connecticut
May 15, 2015

* Source: CFPB Complaint Database

Mid-Atlantic Consumer Services response to complaint:
Closed with explanation

Consumer disputes how Mid-Atlantic Consumer Services handled their complaint

Created with Highcharts 4.2.3Mid-Atlantic Consumer ServicesPayoff processSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AveragePayoff processSource: Consumer Financial Protection Bureau

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