Who called me from 877-320-6816?

Midland publishes a page for this exact number. It says the caller is "a member of the Midland Credit Management team calling from one of our offices" and that "The most common reason we get in touch is because an unresolved debt of yours is being serviced by MCM."^[1]

Midland Credit Management collects accounts bought by its affiliate Midland Funding, so the original lender is often a credit card company or another lender you dealt with years ago. The same page asks you to call back on (800) 296-2657.

The number itself belongs to Midland, but caller ID can be faked, so a familiar number on your screen proves nothing on its own.^[2] Scammers copy real company numbers to look genuine.

• Do not give card or bank details to someone who called you.
• Hang up and call Midland back on a number you find yourself: (800) 296-2657, the number Midland gives on the page for 877-320-6816.
• A real debt collector can tell you who the account is with and how much is owed, and will not insist on gift cards, wire transfers or payment apps.^[3]

You can paste a text or voicemail into our scam checker to look for the warning signs regulators describe.

Do not agree to pay or confirm the debt on the call. Ask Midland for the written details first.

• Ask for the validation notice. A debt collector must send a written notice naming the creditor and the amount, with the date by which you can dispute.^[4] Our deadline calculator works out your date.
• Dispute in writing if anything looks wrong. Our debt validation letter guide explains what to send and why writing beats a phone call.
• Check whether the debt is too old. Use our time limit calculator before you pay anything on an old account.
• Too many calls? A collector is presumed to break the rules if it calls you about a debt more than seven times in seven days, or within a week of a phone conversation about it.^[5]

Every number above comes from the linked source. Search any other number in our phone number lookup. All Midland numbers.