BBB Accredited Business since

Receivables Performance Management LLC

Phone: (866) 212-7408 Fax: (888) 203-3641 View Additional Phone Numbers 20816 44th Ave W, Lynnwood, WA 98036 View Additional Email Addresses http://www.receivablesperformance.com


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Description

This company offers third party debt collection services.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Receivables Performance Management LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Receivables Performance Management LLC include:

  • 323 complaint(s) filed against business

Factors that raised the rating for Receivables Performance Management LLC include:

  • Length of time business has been operating
  • Response to 323 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

323 complaints closed with BBB in last 3 years | 119 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 245
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 78
Total Closed Complaints 323

Additional Complaint Information

On February 25, 2013, BBB recognized a pattern of complaints from consumers regarding sales practice and customer service issues. Consumers allege Receivables Performance Management LLC promises upon settlement, the debt information will be removed from the consumer's credit report; however, the company does not remove the debt information. According to information provided to BBB by the company, they use an automated system to update credit information when an account is marked disputed, settled or paid; as a back-up, a manual process can be implemented to update or delete information from a consumer's credit history. Consumers further allege company representatives exhibit inappropriate behavior, use scare tactics, call multiple times throughout the day or disconnect the call when the consumer answers the phone.

According to information provided to BBB by the company, they discipline employees who are not compliant or respectful when speaking with consumers. The company also states its auto-dialer may attempt to call a consumer up to three times a day, and it may take a few seconds to connect a consumer with an employee; the company states it is working to improve its auto-dialer and reduce disconnects.

Customer Reviews Summary Read customer reviews

21 Customer Reviews on Receivables Performance Management LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 21
Total Customer Reviews 21

Additional Information

BBB file opened: July 26, 2011 Business started: 08/01/2002 Business started locally: 08/01/2002
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Alaska Department of Commerce Community & Economic Development
550 W 7th Ave Ste 1500, Anchorage AK 99501
http://www.commerce.state.ak.us
Phone Number: (907) 269-5200

Washington Secretary of State Corporations Division
801 Capitol Way S, Olympia WA 98504
http://www.secstate.wa.gov/corps
Phone Number: (360) 725-0377
corps@sos.wa.gov

Oregon Secretary of State Corporations Division
255 Capitol St NE Ste 151, Salem OR 97310
http://www.sos.state.or.us
Phone Number: (503) 986-2200
corporation.division@state.or.us

Oregon Division of Finance & Corporate Securities
350 Winter St NE Rm 410, Salem OR 97301
http://www.cbs.state.or.us/dfcs
Phone Number: (503) 378-4140
dcbs.dfcsmail@state.or.us

Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Howard George, Member/CEO Mr. Mark Case, Director of Compliance General Counsel Mr. Chris Vitoz, COO
Contact Information
Customer Contact: Mr. Mark Case, Director of Compliance General Counsel
Principal: Mr. Howard George, Member/CEO
Business Category

Collection Agencies Collection Agencies (NAICS: 561440)

Additional Information

BBB generally reports 100% of all reportable complaints except for those businesses who maintain a large volume of complaints. BBB currently publishes 30% for Receivables Performance Management LLC.


Customer Review Rating plus BBB Rating Summary

Receivables Performance Management LLC has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of B.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 20816 44th Ave W

    Lynnwood, WA 98036 (888) 452-9175 (425) 412-2600 (888) 838-5123 (866) 212-7408

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

2/11/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have receiving random phone calls to my cell phone from ********** and ********. Multiple calls a day. I answer they always hang up. I finally checked my house caller ID to find it was the same number and company. This company does not have my permission to call my cell phone. Wondering if it is illegal for this company to call my cell phone without permissions. I will be looking into that.

Desired Settlement: Stop calling my cell phone.

Business Response:

February 9, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********* ****** *****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ***** is complaining that RPM is calling her multiple times per day on her cell phone and she wants it to stop. She thinks these calls are illegal. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client DirecTV on January 26, 2016. RPM mailed the initial dunning letter on January 28, 2016, advising Ms. ***** of the creditor, amount owed and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of ** ***** ****** **., ********** ** *****. Our client was given the cell number (**** ******** by Ms. *****, who in turn provided it to RPM. RPM unsuccessfully attempted to reach Ms. ***** at this number beginning January 27, 2016 through February 2, 2016. All call attempts were within the convenient times as allowed by the FDCPA, Section 805 a (1). Ms. ***** called our office on February 2, 2016 and disputed owing this debt. RPM immediately ceased collection activity, coded the account as a dispute and contacted our client for validation. That validation has been received and is attached with this response. RPM has also placed a cease and desist on this account.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:


Complaint: ********

I am rejecting this response because: The business did not address the main concern of the complaint.  First, I did not give this company nor Direct TV permission to call my cell phone for billing purposes.  Second, when this company called my cell phone, I answered the first 3 times for the first two days that they called.  Both from the ********** number and the ******** number.  When I answered, the person on the other line hung up.  Felt like being prank called from random numbers.  It was scary and I don't appreciate that.  It wasn't until I looked at the caller ID of my home phone that I realized it was the same company. 

I do appreciate that after I contacted the business and disputed the bill, they have stopped calling both cell phone line and home line.  That is acting professionally and I appreciate that.  I just suggest that the company does a little more research into how to use cell phone numbers if it is, in fact, true that they are allowed to call cell phones. Even though the person has not given permission, they should act professional and not hang up every time the person answers the phone.  That leads me to believe that the company is not allowed to call the cell phone without permission. 


Sincerely,

**** 

2/11/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I call RPM to determine why they are calling and I can never talk to a live person. I need a copy of their documentation regarding this debt. Unfortunately no one at RPM cam provide me with this information.

Desired Settlement: I need to see their documentation.

Business Response:

February 3, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ******* *********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********* is complaining about RPM calling him and he doesn’t know why. In addition, when he has called RPM, he states he can’t reach a live person. After a review of our records I offer the following response on behalf of RPM:

RPM has researched its business records, but can’t locate a file for ******* *********. However RPM received a file for a ******* ******** from our client Dish on January 15, 2016. The telephone number, ***** ********, listed in this complaint is the same telephone number as provided by our client. RPM mailed the initial dunning letter to Mr. ******** on January 18, 2016, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of ***** ****** *** ***** ********** ****** ** ****** Unsuccessful telephone attempts were made by RPM. RPM did receive an inbound telephone call from Mr. ******** on January 27, 2016, spoke with a RPM representative and disputed this debt. RPM immediately ceased collection, placed a dispute code on the account and contacted our client for validation. When that validation is received it will be forwarded to Mr. ******** for his review.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

2/10/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was told by RPM that I could settle my debt for a lower amount with *******, they even called ******* to make sure that they would accept the lower amount, supposedly. I asked the for a letter stating that they account was settled, I never recieved one. That was in May of 2014. Almost 2 years later a new collections agency, Orion, is now seeking the difference between the original amount I owed ******* and the amount i settled with RPM. I contacted RPM who told me that an error was made closing out my account and that it would be sent to their research department to get cleared up. I call a few weeks later and was told that they were confirming with ******* that the account was settled and Verion was not responding. I contacted ******* who informed me that my account was locked because it was now owned by Orion. Orion will not release the debt, that was not supposed to exist, without a letter from RPM who will not issue a letter without confirmation from ******* who can't access the account because it is now owned by Orion. I am stuck in this neverending circle because RPM was either not truthful in the fact that my account would be settled, never followed through and sent me a letter, and does not keep good enough records for them to confirm my account was settled themselves. This is impacting my credit and really messing up my life.

Desired Settlement: RPM claims calls are recorded when you call them. I need RPM to pull my calls, did through their records, whatever it takes to figure out what the status of my account is based on my agreement with them. Then I need them to contact Orion and update them with this status.

Business Response:

February 2, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ******** ****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. **** is complaining that he settled in full (SIF) this debt, never received a SIF letter and now another agency is trying to collect the deficiency balance. After a review of our records I offer the following response on behalf of RPM:

RPM and Mr. **** negotiated a SIF and received payment on May 22, 2014 for his ******* debt. This response should serve as his SIF confirmation. RPM’s client ******* recalled the account and RPM does not have any knowledge of that account’s current status. RPM again contacted ******* to advise them this debt is settled in full. RPM apologizes to Mr. **** for any inconvenience we may have caused him.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

2/9/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hi my name is ****** *****. i have received a call today from RPM dept collection agency. The phone number is ************. The lady on the phone states that I owe $336 for an AT&T bill that was canceled out through AT&T because AT&T made a mistake on their end. AT&T charged me for a wireless hookup and service that they never hooked up or activated (Started wireless service at 2140 medical district apartments apartment ***** ****** ** in September 2014. I canceled the service and paid out them out in full Oct 13th because I was moving into another unit and the same apartment complex. They where supposed to have technician come meet at my new place [apt ****] to start a new service and they never came out to bring me a new box and to activate my internet. So I never used their service for the my new unit [apt ****]) They apologized and stated that they will cancel it out because it was a mistake on their end. a few months later I get a call from IC System (Dept collector) stating that AT&T states that I owe the $336.47. I wrote them a letter to dispute it and contacted AT&T and they stated that they cannot find any records of me owing them money. I told to do some more research and the manager found where $336.47 came from and that they cannot do anything because they already sold it to the dept collector and suggested that I should report them to Texas publicutility commission. I reported them and a month later RPM gives me a call and stated that they bought it from the previous collection agency. I am writing you because i am getting exhausted about this issue and want it to end. I should not be responsible to pay a bill that i was not at fault with.

Desired Settlement: I will like for the collection agency to stop harassing me and to get this account canceled out as promised to me by AT&T. Please contact me so we can get this rectified. thank you for your time.

Business Response:

February 8, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ****** *****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** is disputing this debt, claiming he never received the service and that RPM purchased this debt. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T Wireless on November 11, 2015. RPM does not purchase debt. RPM was notified of this dispute on November 13, 2015 of the dispute. RPM contacted our client, received the validation and forwarded it to Mr. ***** in early December, 2015. Upon receiving the complaint from your office, RPM has again ceased collection, coded the account as a dispute and contacted our client for instructions. Until our client advises RPM of their investigation all collection activity will be ceased. RPM has not reported this debt to the three major credit bureaus.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:


Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me so far.

Please advise if my account has been permanently closed from both AT&T and RPM or advise on the next steps i need to take to cease any future collection concerning this matter?


Sincerely,

****** *****

2/5/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have started receiving calls from this company recently. They will call me 5 times in a row! I don't answer calls I don't know. They don't leave messages except for today they left one. They call me, hang up and call back immediately from a different number. They do NOT tell me what it concerns, only it is an attempt to collect a debt. I am NOT paying anything to anyone unless I can confirm that I indeed owe. I have called back several times and the phone rings and then hangs up. They call from several numbers but give one number to call back on. The most recent number is 432-756-0187. I haven't received any collections letters so I am very very curious to see WHO these people claim I owe. I checked my credit and this company is NOT listed on there so how they are collecting I will never know. The only people I have on my collections, I know about and am already taking care of. This seems to be a double collection of an old debt and THAT is illegal.

Desired Settlement: I want NO further harassing phone calls from these people. I want them to CEASE AND DESIST the harrassing phone calls. If I owe anything, send me a letter with an explanation WHO, how MUCH, and other pertinent details.

Business Response:

January 5, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ******* * ********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is complaining about the number of daily calls he is receiving and wants them stopped. He is also complaining that when he called our office to tell us to stop calling he was disconnected. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client Dish on October 5, 2015. RPM mailed the initial dunning letter to Mr. ********, on October 8, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ***** ****** ***** **** ***** ** ****** RPM did begin making telephone attempts, without success, to contact Mr. ********. In December, 2015, RPM’s dialer malfunctioned and on a couple of days we attempted to call Mr. ******** too many times. That problem has been corrected. RPM apologizes for any inconvenience we may have caused. RPM’s business records indicate Mr. ******** advised our office to stop calling on December 30, 2015 and a “Do Not Call” code was entered. 

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Complaint: ********

I am rejecting this response because:

First off this is NOT closed.   The response I received from the company is in regards to a "MR. ********".   My name is ****** *****

 

how can you guys even think this to be closed!????   Re-open and ask that this company respond to ME. Not someone else!!



Sincerely,

****** *****

Business Response:

January 25, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ****** *****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced follow up complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ***** rejected RPM initial response since it was a letter addressed to another consumer. After a review of our records I offer the following response on behalf of RPM:

RPM apparently attached the wrong letter when we originally responded to this letter. RPM sincerely apologizes for this error. RPM received this file from our client Sprint on November 30, 2015. RPM mailed the initial dunning letter on December 2, 2015 to Ms. *****, advising her of the creditor, amount owed and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ********* **** ******* ** *****. RPM did begin unsuccessful telephone attempts to contact Ms. *****. All telephone attempts were within the convenient times as authorized by the FDCPA, Section 805 a (1). Upon the receipt of complaint, RPM placed the requested cease and desist on the account.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

2/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Account was sent to RPM by Dish Network by mistake. I contacted Dish through online Chat and was told there was no final bill due. We have a copy of the chat to verify. No final bill was ever sent to us. Months later I received a notice from Credit Kharma that RPM had reported a negative mark.

Desired Settlement: I would like the debt that was reported in error to be removed completely from my credit report and marked as reported in error.

Business Response:

February 1, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ***** ******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is disputing owing this debt and claims he contacted Dish and was told there was nothing due. In addition, he wants the negative credit report removed from his file. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client Dishnet (telephone and/or internet services) on July 31/2015. RPM mailed the initial dunning letter to Mr. ******, on August 3, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of ***** ** ****** ***** ******* ** *****. RPM dis received a dispute letter on October 1, 2015 and ceased collection and contacted our client for validation. That validation was received and forwarded to Mr. ****** on October 18, 2015. Mr. ****** then called our office on January 26, 2016 and paid this debt in full. RPM updated the three major credit bureaus with the correct Paid in Full status on January 31, 2016.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Complaint: ********

I am rejecting this response because: Dish Network advised my wife and I that there was no final bill due (see attached chat) We also never recieved any other billing documents from Dish after the chat took place that would of indicated otherwise. We would have paid a final bill immediately had we not have been told by a Dish employee otherwise. Therefore the report was in error and needs to be completely removed from my report. The agency agreed to report as paid but this still negatively impacts my credit score. It needs to be rectified by the reporting agency so that its as if they never reported it orig.

Sincerely,

***** ******

2/3/2016 Problems with Product/Service
2/1/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid in full a bill I owed to ATT to an agency called ********* ****** in July 2015. It was paid in full. I was notified in December 2015 that a negative mark was placed on my ****** by RPM for an ATT bill. I was never notified by them of any amounts due first of all, secondly I do not owe them or ATT one cent. The account is paid in full. I disputed it and it was removed on one ****** report as I have proof of bills and payment. It is pending removal on another. AFTER it was removed, and for the first time ever, RPM started calling me at work several times. They dont leave messages and have never mailed me anything. Again, the first attempt to reach me occured MONTHS after they put this on my ****** and I had it removed. And again, I do not owe them one penny. If they purchased this debt from anyone after it is paid in full, that is their progblem.

Desired Settlement: Fix my ****** report, state it was THEIR error and delete it off my record permanently and leave me alone.

Business Response:

February 1, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ***** ******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is complaining that he previously paid this debt to another collection agency and now RPM is trying to collect. In addition RPM reported this to his ****** bureau and never notified him. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T on October 23, 2015. RPM mailed the initial dunning letter to Mr. ******, on October 26, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** **** ****** *********** ** *****. When RPM received the dispute from your office, we immediately ceased collection, coded the account as a dispute and contacted our client. After researching this dispute our client has recalled the account. As part of the recall process a deletion notice has been sent to the three major ****** bureaus. RPM apologizes to Mr. ****** for any inconvenience.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Please note I never have received any written notice by RPM despite what is listed in their response - even to this day. I had to contact ********* ******, whom I paid the account to, and request additional written documentation proving this account was paid in full and closed to send to RPM. ********* ****** reported they informed ATT in August 2015 the account was satisified and what RPM was doing was illegal and a violation of our settlement terms. Please note I will not do business with ATT again.

Sincerely,

***** ******

1/30/2016 Billing/Collection Issues
1/26/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: RPM contacted me via letter to inform me of a debt owed. I Contacted this company obliged to pay my debt, and did such with the guarantee that I would immediately recieve confirmation of payment by email followed by a letter mailed to me with account details including in writing that the account was settled. I have not received either of those things and have been left to assume that this company fraudulently took my money with no intentions of providing me with necessary documentation to prove said debt was paid for. I have made phone call after phone call attempting to figure out why my documentation has not been provided, each time being redirected to a non existing extention or intentionally disconnected. When asking to speak with management I was given the run around and once again disconnected and left with no answers. This company is the prime example of why consumers are forced to be skeptical about where there money is going. What an uneasy feeling this transaction has caused me dealing with such an unprofessional company.

Desired Settlement: My desired outcome is for RPM to complete their end of the agreement and provide me with the necessary documentation to prove the settlement of my debt as well as update my credit report as previously guaranteed.

Business Response:

January 26, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

***** ********* **** * ******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is alleging that RPM is acting unethically by accepting his Settlement in Full (SIF) payment and refusing to send him a SIF letter. He states he has called several times and the calls have become disconnected. After a review of our records I offer the following response on behalf of RPM:

RPM received the agreed upon SIF payment on December 30, 2015. RPM generally waits two weeks for a check to clear before sending out a SIF letter. According to our business records the form was generated on January 15, 2016 for the letter to be sent. The SIF letter was mailed on January 18, 2016 to the address of ***** ** ***** *** ************** ** *****. Our business records also reflect that Mr. ****** called our office on January 22, 2016 requesting the SIF letter and was told it was in the mail. He then asked to speak with a specific representative who was not available. RPM apologizes to Mr. ****** for any inconvenience that may have been created.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I will put this matter at bay as I am sick and tired of it being an issue, but first I will address a few things. After reading the response of the company in question I still find each of my accusations to be true and of fair assessment. Rpm stated that they waited 2 weeks before sending out the "settled in full" letter in order to give the check an opportunity to clear. This just goes to show how each and every one of the employees at this establishment are on a different page as I did not provide them with a check but an over the phone debit that cleared my account on the very next day following payment to RPM. Also, they stated that I called on January the 22nd to request that the letter be sent. What they failed to mention was that there were MULTIPLE phone calls prior to that date where I had requested the letter/email that was never sent as well as attempting to speak with someone of seniority who could attempt to help me figure out this situation none of which ever happened. When I did speak with an employee on the 22nd I was told that a letter was mailed on the 18th of January. That too was a lie as I FINALLY received a half written letter of proof with a lack of content based on what had been represented to me. That letter was postmarked on the 20th of January. While I am aware that the 18th was a holiday, the 19th was not and the letter was NOT mailed until the 20th unlike what I was informed of. I hope that my issues with this company as well as their obvious dishonesty serve as a warning for anyone thinking about paying a debt to this company. Do yourself a favor and wait until they sell your debt to the next collector. This company is not worth the headache. 

Sincerely,

**** ******

1/25/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have disputed this charge with ******** since 2013. Attached is the letter I wrote to cancel my phone service with ********. After I submitted the letter to ******** I spoke with another Supervisor who allowed us to cancel our contract without a penalty. Unfortunately, after cancelling and moving to another carrier, we still received a bill. I called several times and spoke with multiple customer support people who agreed we shouldn't be billed, BUT the charge was never removed!!! I am disputing this old charge and want RPM to remove themselves from my credit report.

Desired Settlement: Please remove this account from collections and my credit report.

Business Response:

January 25, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: ********.****@thebbb.org

Case# ********, ***** *******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* is disputing this debt. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******** on October 3, 2015. RPM mailed the initial dunning letter on October 6, 2016, advising Ms. ******* of the creditor, amount owed, and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ***** ********* ********** ** *****. Telephone attempts to contact Ms. ******* were unsuccessful and the first indication of a dispute was the complaint received from your office. RPM immediately ceased collection activity and contacted our client for validation. ********, after researching their records, has recalled the account. As part of our closing procedure a deletion notice was sent to the three major credit bureaus. 

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *******

1/21/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had two accounts in collection with RMP, I paid it off both accounts since Feb 2014, so they were supposed to close the accounts after payment which they never did. My two accounts still no close, I tried to call them several times to request an explanation why my account were still open. I never had a clear reason. I requested also a receipt or prove of payment sent to me after payment which I never received for over the 2 years. No one at RMP can sent me a receipt that showed the two accounts were paid in full and the most unacceptable thing is that those accounts are still been reporting on my credit score.

Desired Settlement: I want RMP to sent me receipts of payment showing that the two accounts were paid in full therefore close and remove ALL CREDIT REPORTING ON MY CREDIT SCORE.

Business Response:

January 13, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ********* *. *********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********* is complaining that even though he paid both accounts, the accounts were never closed and are still being reported to the credit bureaus. He has repeatedly asked for proof of the paid accounts. He does refer to the agency as RMP, not RPM so I don’t know if there is another firm now handling these debts. After a review of our records I offer the following response on behalf of RPM:

RPM received two files from our client T Mobile September 25, 2013. RPM and Mr. ********* negotiated a settlement in full (SIF) for both accounts and the payments were made on January 30, 2014. Our client recalled the account on May 31, 2014. As part of the closing process a deletion notice was sent to the credit bureau. As a matter of fact an electronic deletion notice was sent on both accounts three times: June 1, 2014, July 3, 2014 and September 16, 2015. Additionally a manual deletion notice was sent through our EOSCAR system on August 5, 2014, AUD#’s ******** and ********. After receiving this complaint, RPM again sent an EOSCAR deletion notice to the three major credit bureaus, AUD #’s ******** and ********.

RPM has again advised our client that these accounts are paid as a SIF. At Mr. *********** request we have mailed him a SIF letter regarding both accounts. If another agency is involved with these accounts, RPM knows nothing about it and suggests Mr. ********* contact T Mobile.   

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

1/19/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Have received several phone calls multiply times a day on my cell phone and my husbands cell phone. They either hang up, tell us they are having computer issues and hang up, or we get transferred several different times with the same end result of a hang up. This has been steady phone calls everyday for the past 2 weeks. This has become a harassment issue. We cannot get any explanation has to why they are calling. Thy are calling during our work hours and it has become an issue.

Desired Settlement: Phone numbers that have been called by RPM are ************ and ************. We are requesting full disclosure as to why they are calling or STOP calling.

Business Response:

January 12, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: ********.****@thebbb.org

Case# ********, *** *********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ********* is alleging that RPM is making multiple calls per day, every day for the last 2 weeks. She wants these calls to cease. After a review of our records I offer the following response on behalf of RPM:

RPM received a file from our client Dish on December 29, 2015, for a consumer with a similar first name, but a different last name. RPM is withholding that consumer’s name so there is no 3rd Party Disclosure violation of the Fair Debt Collection Practices Act (FDCPA).  The address given to RPM by our client was **** ** **** ******** ** *****. RPM attempted to reach this consumer between December 30, 2015 and January 7, 2016, at two different telephone numbers provided by our client. These attempts were unsuccessful. RPM has placed a Do Not Call code on these telephone numbers in compliance with Ms. *********’s request. 

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S*******

Senior Compliance Specialist

Consumer Response:
Complaint: ********

I am rejecting this response because: The last name they would have on file for Dish would be ********. That is my maiden name. If RPM would have spoke with me on the numerous attempts they did make contact, I would have verified this information. Instead they would verify that is was me they were speaking with and either transfer the call or simply hang up. This includes several times that I tried contacting them back. I do in fact have a DISH network account that I recently cancelled and the early termination fee of 122.50 was charged to my card. My debt to them has been paid and in a timely manner. I am assuming that a complaint may need to be filed for DISH also. As I have contacted DISH and they have informed me on several occasions that no payment is due on the account.

Sincerely,

*** *********

Business Response:

January 18, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, *** *********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ********* rejected RPM’s initial response for four reasons: her last name is ********; RPM would have known that if we spoke with her; she paid her Dish account; and after she contacted Dish she was told she owes nothing. After a review of our records I offer the following response on behalf of RPM:

RPM attempted to speak with Ms. ********, but was unsuccessful. RPM apologizes for those difficulties. RPM was not a participant in Ms. *********’s conversation with Dish, so we can’t comment on what was discussed. However RPM’s client Dish did place a debt with RPM in the name of *** ********. In compliance with Ms. *********’s earlier request, RPM has placed a cease collection code on this account and coded the account as a dispute. If Ms. ********-********* wishes to contact RPM, she can call our compliance/escalation department at (888) 838-5123.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*** *********

1/19/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Harassment to pay an already paid debt. Will not accept proof - in the form of receipts and letters that this amount was paid already.

Desired Settlement: I have sent a receipt showing a collection attempt with ATT had been paid. I have talked to them on the phone and their tactic was one of intimidation and threatening to report to a collection agency if I didn't pay immediately on the phone with them. I advised them I did pay with a different collection agency and they need to contact ATT to verify the validity of the collection claim. I did mail and fax copies of my receipts and bank statements to show this debt was paid. They subsequently reported me to the collection agency. I have made a dispute with Equifax, however they are not responding to Equifax's inquiries. They need to remove this collection of $92 from my collection report and close their file.

Business Response:

January 11, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ***** ******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******’s complaint is that RPM is attempting to collect on a debt that was previously paid. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T on October 6, 2015. RPM mailed the initial dunning letter to Ms. ****** on October 7, 2015, advising her of the creditor, amount owed and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of *** ** ***** **** ******** ** *****. RPM did begin making telephone attempts, without success, to contact Ms. ******. Ms. ****** called our office on November 24, 2015, to advise RPM that the debt was paid and she would send proof.  RPM contacted our client for validation of the debt; it was received and forwarded to Ms. ****** on December 5, 2015. RPM later received the proof Ms. ****** had promised to mail. It was forwarded to our client to investigate. RPM’s client, after researching, has recalled the account. On January 10, 2016, RPM sent a deletion notice to the three major credit bureaus. RPM apologizes to Ms. ****** for any inconvenience that has been caused. 

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

1/12/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This agency has been calling my home, business as well as family members harassing me about a bill in which I don't owe. I have reviewed my credit report and there is erroneous information stating that I owe to AT&T. Other than this, my credit is clean. I have had an account with AT&T for years and still do to this very day. If I owed them any money, then they would have shut me off by now. The information linked with the AT&T account on my credit report doesn't even list my correct phone number-which I have owned for over eight years.

Desired Settlement: Correction to my credit report.

Business Response:

January 4, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: ************************

Case# ********, ***** * *******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* is disputing this debt, claims it has been reported erroneously to the credit bureau and alleges that he has received harassing telephone calls to his home, business and to family members. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T on August 5, 2015. RPM mailed the initial dunning letter to Mr. *******, on August 7, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA). The only telephone number that RPM has on this account is ***** ********. RPM attempted that telephone number, without any success.  All telephone attempts were within the convenient times as allowed by the FDCPA, Section 805 a (1).

RPM was unaware of any dispute until we received the complaint from your office. RPM immediately ceased collection activity, coded the account as a dispute and contacted our client for validation. That validation has been received and is attached with this response. After Mr. ******* reviews the attached validation, he can call our escalation department at (888) 838-5123 and negotiate payment.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

1/5/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Business calls my home about 4 times a day. When I answer an automated machine transfers me to an operator. The operator verify's my information and then transfers me again. Then the call drops. I called the main office to have my number removed. After the operator received my request and she agreed... The call dropped without conformation or giving me any other information. Unprofessional way to conduct business and it feels like harassment.

Desired Settlement: To have the business please stop calling my home and hanging up. If the business is having problems reaching me, don't keep calling and calling... Correspond with me through the mail.

Business Response:

January 5, 2016

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ******* E ********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is complaining about the number of daily calls he is receiving and wants them stopped. He is also complaining that when he called our office to tell us to stop calling he was disconnected. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client Dish on October 5, 2015. RPM mailed the initial dunning letter to Mr. ********, on October 8, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of ********************Cass Lake, MN 56633. RPM did begin making telephone attempts, without success, to contact Mr. ********. In December, 2015, RPM’s dialer malfunctioned and on a couple of days we attempted to call Mr. ******** too many times. That problem has been corrected. RPM apologizes for any inconvenience we may have caused. RPM’s business records indicate Mr. ******** advised our office to stop calling on December 30, 2015 and a “Do Not Call” code was entered. 

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* ********

1/4/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: They received the case on October 8th, I made a payment of 43.85 on October 22nd at which time I explained that the equipment from dish network would be returned. Finally I found my tracking number and called dish network then made a final payment of between 20 and 30 dollars at the end of November. Fact: a payment was made to this account on 10/22 which by law should have reset their 45 day clock on reporting this account to the credit reporting agencies, however it appeared on my credit report on 11/22. And as we all know these credit reporting agencies take usually 30 to 60 days for any information good or bad to show up; this means not only did they illegally report this account it was done well inside the 45 days they have by law to report the account. This is an absolute violation of the laws. My credit report fell from over 800 to 700 which has directly affected my credit, in particular a poor interest rate of 29.99% on a recent credit card i applied for and was accepted for and made a $3500 purchase with. So still today this account is still showing up on my credit reports as a negative mark that as is well known has a high impact on my credit score. Happy Holidays

Desired Settlement: This was an absolute violation of the credit reporting laws of this country. I would like them to be held accountable for their actions because if this happened to me (I pay everything on time all the time) then I am sure it has happened to many other people. I would suggest an independent review of their practices and policies. This affects peoples lives, especially people like me that do not make that much money but make a perfect effort to pay their bills on time. They should also not be allowed to conduct business until they have proven they conduct business to the letter of the law. Thank You

Business Response:

December 28, 2015

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: ********.****@thebbb.org

Case# ********, ******* M. *******

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* is alleging that RPM illegally reported this Dish debt to the credit bureau after he paid and then later returned the equipment. After a review of our records I offer the following response on behalf of RPM:

RPM received this account from our client Dish on October 4, 2015. RPM mailed the initial dunning letter on October 7, 2015 to Mr. ******* advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA).  On October 19, 2015 RPM received a $43.85 payment and it was credited to his account. There was still a balance due and on November 22, 2015, RPM notified the three major credit bureaus of the delinquent account. In early December, 2015, RPM received credit adjustments from our client Dish. On December 6, 2015, RPM received a letter of dispute from Mr. ******* and immediately contacted our client for instructions. Dish recalled the account and the file was returned to our client. As part of the recall process, RPM sends a deletion notice to the three major credit bureaus which it did on December 27, 2015.

RPM does not control the credit bureaus updating of their files, but it generally takes approximately 30-45 days. RPM disagrees with Mr. *******’s allegation that RPM acted illegally in either reporting or deleting the reporting of this debt to the three major credit bureaus.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:
Complaint: ********

I am rejecting this response because: this matter has yet to be resolved. It is still showing up on my credit report. I know the credit reporting agencies tale 30 to 60 days to update their information; however if that is the case why did it shoe up on my credit report only after 30 days of me making a payment????. you are dishonest if not illegal.  the law states you have 45 days after the account has gone delinquent. i made a payment on 10/22. it should have never went on my credit report as i was trying to make good on the debt. get it off my report now!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I will give you 1 more day

Sincerely,

******* *******

1/2/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I contacted them back around June of 2015 about a collection that I received in the mail from them. I was told then they had no record of the account and could not locate the account. I was told that they would remove the collection off my credit reports. I have applied for a mortgage loan now and noticed that it is still on 1 credit report, so I contacted (RPM) Receivable Performance Management once again to notify them that it was on the report. This time after looking for about 10 minutes for the account number and by Social Security number they said they found the account. I notified them that I believed the account had been included in my bankruptcy and discharged back in 2012. I was then told that they couldn't talk to me any longer they had to speak to my attorney who did the bankruptcy. They refused to talk to me any further. I was told by my attorney to call and attempt to resolve the debt with (RPM) Receivable Performance and make them aware that it was probably just a error on their part. Since then I was told that I would receive a letter of deletion by email and by mail. I never received either so I made contact with them again and was told once again they would email me the letter after waiting and never receiving the letter I contacted them again. This time I was told that they could not send the letter to me because management would not allow them to do so, I asked to speak to a manager who stated they could not speak to me it had to be my attorney and they would not send the letter of deletion. During all of these calls I was either hung up on about 6-7 times or asked to hold and they never came back to the call. The few times I was spoke to they either lied to me about getting a letter of deletion or was told by the (RPM) that they could not do anything about. During this time I have contacted the credit bureau who told me if they would send the documentation it would be removed within 24 hours. Receivable Performance refuses to work with me.

Desired Settlement: I wish to get the collection removed off of my last report they are showing on and a letter of Deletion/Dissolution.

Business Response:

December 16, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: *************@thebbb.org


Case# ********, ****** W ********


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is complaining that RPM is reporting an active collection to his credit bureau file and this debt was included in his 2012 bankruptcy.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client Dish on May 29, 2015. RPM mailed the initial dunning letter on June 2, 2015, advising Mr. ******** of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ******** **** ******** ***** ** *****. According to the information initially provided by our client this debt apparently was opened in April, 2013 (post-petition) and the last payment was received on February 28, 2015. RPM spoke with Mr. ******** on December 7, 2015 when he claimed to have filed bankruptcy. RPM contacted our client who recalled the account. RPM no longer represents Dish in this matter. A notice was sent to the credit bureaus to delete our July, 2015 credit bureau reporting.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

Consumer Response:
Complaint: ********

I am rejecting this response because: I have been in contact with Receivable Performance Management, I have been told multiple times I would receive a deletion letter via email. My attorney has made contact also via phone calls he was also told that he  would also receive this letter of deletion. I made contact to the credit bureau to see if they have received a letter of deletion from Receivable Performance Management as of 2:00 pm on 12-16-15 the letter of deletion has not been seen nor received by the credit bureau (Experian), the attorney, or me. I look forward to resolving this matter. Thank you

Sincerely,

****** ********

Business Response:

December 22, 2015

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ****** W ********

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is now complaining that RPM hasn’t sent any deletion to the credit bureaus nor has it sent him a deletion letter. After a review of our records I offer the following response on behalf of RPM:

RPM sent a deletion notice to the three major credit bureaus using two methods: one was by an electronic means sent by our IT department and a second through the EOSCAR system, AUD# ********. However RPM has no control over how long it takes the credit bureaus to update their records. Regarding the deletion letter, it was sent on December 16, 2015.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

12/30/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a notice on December 10, 2015 that Receivables Performance Management (RPM) has an open collection account listed on my credit report. I contacted their office the same day to inform them of the mixup. They are attempting to collect on an account I settled with another Collection Agency on behalf of AT&T Mobility. I faxed them 14 pages of documentation which was allegedly never received. I followed up with emailing all of the required documentation. The nature of my problem is not related exclusively to their inaccurate information on my credit report, but rather the nature of how this company conducts business! On 12/14/2015 at 8:12pm EST I finally managed to speak with an escalations department representative, I believe her name was Elizabeth O****. Calls earlier that day yielded close to an hour of my day getting put on hold, transferred, and hung up on. Elizabeth was nice, but frankly no help. We did setup a time to speak the following morning. I never received a call from her, and after another hour of playing phone games I spoke to a gentleman who told me everybody in management was in a meeting! I did inform them at this point the unacceptable nature of the situation, and that I would be handing this matter off to my attorney. Following the consultation with my attorney, he has instructed me to use traditional methods for solving this sort of issue, rather than try to address through phone conversation with collection agents. I have begun the dispute process with the credit agencies that this is reported with, alerted AT&T to the situation, and also the original *** ********* ****** ******* to follow-up with AT&T that this has been closed. It is absolutely absurd that I have to spend $350 an hour on my attorney when a simple phone call should suffice. Their office is either extremely understaffed, or just downright rude and extremely inefficient.

Desired Settlement: 1. Remove this from my credit report with all three bureaus. 2. Close my account with AT&T Mobility. 3. Hire an outside HR training/coaching agency to instruct call center representatives how to handle business ethically, timely, and efficiently.

Business Response:

December 22, 2015

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ****** M. *****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** is complaining that RPM reported an active collection to his credit bureau file without his knowledge and this debt was previously settled with another collection agency. After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T on October 21, 2015. RPM mailed the initial dunning letter on October 22, 2015, advising Mr. ***** of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ***** ***** *** *** ********* ** *****. Mr. ***** disputed this debt and sent proof of payment to RPM on December 16, 2015. RPM immediately contacted our client. After reviewing their records, RPM’s client recalled the account. RPM is in the process of sending a deletion notice to the three major credit bureaus. RPM apologizes to Mr. ***** for any inconvenience.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:


Complaint: ********

I am rejecting this response because: As of 12/25/2015 this account is still showing as active and open on my credit report. I would also like it to be noted that RPM also failed to address a large portion of the complaint being the professionalism and availability of staff to handle incoming calls, properly receive materials via fax, and their failure to provide any letter stating their intent to collect on this debt.

Personally, I am very prompt and swift to address items that personally affect my credit. As RPM noted, a letter with their intent to collect was sent. This letter was never received at my place of residence. Note the date this appeared on my credit report 12/10/15, and the date paperwork was initially faxed 12/10/15, when I also initiated contact with RPM. The minute I became aware of this issue, I had all documentation ready to provide, should I have received written correspondence I would have addressed this then.

Sincerely,

****** *****

Business Response:

December 29, 2015

Better Business Bureau

1000 Station Dr. Suite 222

DuPont, WA  98327

Email: *************@thebbb.org

Case# ********, ****** ** *****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** rejected RPM original response because as of December 25, 2015 the negative rating is still showing in his credit bureau file; RPM failed to discuss his allegation of our staff’s professionalism; RPM never sent him the initial letter; and RPM is sloppy in receiving faxed material. After a review of our records I offer the following response on behalf of RPM:

RPM stated in our original response that we received this file from our client AT&T on October 21, 2015. RPM mailed the initial dunning letter on October 22, 2015, advising Mr. ***** of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ***** ***** *** *** ********* ** *****. That was the last known address. Mr. ***** disputed this debt and RPM received the faxed proof of payment on December 16, 2015. RPM immediately contacted our client. After reviewing their records, RPM’s client recalled the account. RPM sent the deletion notice to the three major credit bureaus on December 27, 2015. RPM does not control how long it takes the credit bureaus to update their records, but it is generally 30-45 days. RPM apologizes to Mr. ***** if he feels RPM representatives were not professional when he was speaking with them.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,

Henry P. S******

Senior Compliance Specialist

Consumer Response:


Complaint: ********

I am rejecting this response because: Given that RPM has demonstrated with what a careless nature they operate with, and are still responsible for the negative information still affecting my credit. I do understand that there is no further purpose from the BBB on behalf of this complaint, RPM has allegedly sent removal requests to Experian, Equifax, and TransUnion all of which take time to process. Since RPM's initial letter seems to be 'lost in the mail' as it was sent to my current address over two months ago, yet never received, please understand my concern when RPM states mail is sent. For the last time, this sort of negligence has been how the entire process with RPM is, and based on their response, will continue to be for other individuals. The day I get notice these are removed fully from my credit report, I will be glad to note this complaint as accepted/closed. Until then, given the seven day window to respond, I'm under no circumstances stating that RPM has successfully closed this matter and addressed my concerns. Thank you for your consideration in having this matter addressed! I hope this is the last correspondence we will need to have.


Sincerely,

****** *****

12/19/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 3/20/2015 I settled my balance with Receivable Performance Management in order to purchase my house that I am living in now according to the loan agreement with Annie Mac. They still have not closed the account according to my credit report. I have called them on several occasions and they assured me the account will be listed as closed in a few months on my credit report. It is still listed open as of 12/09/2015

Desired Settlement: to be listed as closed on my credit report by all 3 bureaus.

Business Response:

December 14, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ********.****@thebbb.org


Case# ********, ******* * *****


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** is complaining that he settled this debt in March, 2015 and RPM has never closed the account nor properly reported this debt to the credit bureaus.  After a review of our records I offer the following response on behalf of RPM:

On March 26, 2015, RPM received the last payment and the balance owed by Mr. ***** was Paid in Full (PIF). That PIF code is shown on the account records and that status was reported to the three major credit bureaus on April 6, 2015. According to RPM’s business records, the last telephone conversation with Mr. ***** was on April 30, 2015, when he asked when the credit bureaus would update their records. It usually takes approximately 30 days, but RPM does not control the credit bureaus updating of records. RPM resent the PIF status code through our EOSCAR system today. The AUD # for tracking purposes is ********.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* ******

12/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Some months ago (exact date not recalled), I allowed my credit card to be used by a man and his wife (who are long time friends)for purposes of signing up for a Direct TV account. Apparently they and returned the equipment in packaging provided by Direct TV via the ********* Post Office, however the gentleman failed to obtain a return receipt for his own records. Ultimately Direct TV denied having received the equipment and told the couple they would be charged for it accordingly. A dispute resulted and the couple refused payment or further responsibility, at which point the matter was turned over to some collection agency and from there to this current Accts Perform Mgmt. group who eventually obtained my contact information and began making numerous calls to be, often as many as 3 to 6 calls in a single day. During my initial efforts to carefully explain and diffuse the situation, I made every possible effort to fully explain the entire matter at great length while remaining very thoughtful, considerate, and non-confrontational at all times with each person who contacted me. This continued for perhaps 8 to 10 different calls on various occasions, during which I repeatedly explained matters while also explaining my own extensive health problems and disability, but ASSURED that I would assume responsibility for the debt and further assure that it would NOT go unpaid ultimately, while further explaining that I first needed to get extra income available in order to meet existing expenses at moment. I was told that they would continue contacting me, and I told them that would be good and well on a reasonable periodic basis, but that the persistent and increasing number of calls on a daily basis was non-productive and could not accomplish anything of meaning either for themselves or my person in getting all of this taken care of. The gentleman at that time assured me that the constant and daily flow of calls would be addressed right away. Regretfully that never happened, and the calls have continued in spite of my efforts to stop them by "blocking" and other measures, however I no longer bother to respond because it apparently doesn't mean anything. In terms of personal health, I have serious heart, respiratory, and central nerve issues all of which are admittedly being aggravated by the stress resulting from what has become a matter of sheer harassment, and while having done my utmost to address these matters in a fully responsible, considerate, and prudent manner it has seemingly been to no avail. I would most deeply appreciate whatever manner of relief might be available at this point, because the added stress is more than a little difficult to deal with at the moment please. Thank you for your thoughtful attention and consideration in this matter, and I wish you all a wonderful holiday season. Sincerely, ****** *. ******** ***** ******** Required Field

Desired Settlement: While the original issue seemed to be a dispute regarding equipment whom Direct TV claimed to have not received, it has somehow now become an issue of "early cancellation" leaving me to wonder if anyone is even sure or clear about the entire nature of this matter folks.

Business Response:

December 8, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: *************@thebbb.org


C***# ********, ****** * ********


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). Mr. ******** states that he gave his credit card to a friend who signed up for DIRECTV service and later cancelled service. He suspects the outstanding charges are for unreturned equipment, however indicates that all equipment was returned and disputes any charges related to that. He states that he has been called repeatedly by RPM and has explained the circumstances and assured RPM that he would accept responsibility for the bill. He requests the calls stop. After review of that file and contacting our client I offer the following response on behalf of RPM:

DIRECTV listed an account in Mr. ********’s name for collection with RPM on November 1, 2015. On November 3, 2015, RPM sent Mr. ******** a notice identifying the creditor, the amount due, as well as his rights under the Fair Debt Collection Practices Act (FDCPA) RPM’s business records reflect several contacts with Mr. ******** by telephone where he stated he was on disability and did not have the funds to pay the debt immediately but that he would eventually take care of it.

Upon receipt of this complaint, RPM advised DIRECTV of Mr. ********’s concerns. DIRECTV has advised that all equipment was returned and the outstanding charges are for programing and an early cancellation fee. DIRECTV has provided the attached letter to Mr. ********, a work order, as well as the account ledger for his review. DIRECTV has also recalled the account from our office. As a result RPM is no longer handling the matter. It is DIRECTV’s position that the balance is sustained and the charges on the bill are valid.

RPM will cease further attempts to contact Mr. ******** who may contact DIRECTV with further questions or concerns.

RPM appreciates the opportunity to respond to this matter and apologize for any inconvenience Mr. ******** experienced as a result of our calls. If you have questions regarding RPM’s handling of this matter or if I may be of further assistance to Mr. ******** please contact me directly at ***** ********.

Very Truly Yours,


Mark T. C***
General Counsel
 

12/15/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company has been calling me for MONTHS at least twice a day and hanging up. When I answer the calls, all I get is a dial tone. I have reported them repeatedly on donotcall.gov, to no avail. I called them this morning and finally got someone on the line, "John" who told me if I want the calls to stop to sign up for do not call! He passed me to someone claiming to be a supervisor, "Melissa" who said she was not in charge of phone callers or these automated prank calls that have far surpassed harassment stage, as this has gone on for months now. From research, I found this "company" is supposed to be a collection company of sorts. However, I have received no notices of debt collections by any businesses I have worked with in more than a year, nor am I behind on any payments. I have found this "company" has had many complaints, has lawsuits against them, and from my phone call with 2 of their employees this morning, clearly don't know what they're doing as "no one is in charge" from what I was told.

Desired Settlement: I am speaking with attorney's about punitive damages from months of prank calls by this company.

Business Response:

December 7, 2015

Better Business Bureau                                                                                                                                                         1000 Station Dr., Suite 222                                                                                                                                        DuPont, WA 98327
Email: *************@thebbb.org
Case # ********, ****** ********
Dear Ms. ****,
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******** against Receivables Performance Management LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******** is alleging harassment by claiming RPM has been calling her twice a day for the last two months. She wants these calls to stop. After a review of our records, I offer the following response on behalf of RPM:
RPM received a file from our client Jefferson Capital on October 7, 2015, for a consumer that is not Ms. ****** ********. RPM is withholding the name of that consumer so there is no Third Party Disclosure violation under the Fair Debt Collection Practices Act (FDCPA). RPM received the telephone number, ***** ********, from Trans Union as a good telephone number to contact our consumer. RPM began making attempts to reach our consumer without success. All telephone attempts were within the convenient times as allowed by the FDCPA Section 805 a (1). RPM cannot locate any inbound calls made by ****** ********.
RPM has placed a Do Not Call code on the above telephone number as requested by Ms. ****** ********. RPM apologizes for any inconvenience our attempts to contact our consumer may have caused Ms. ********.
RPM is pleased to be able to resolve this complaint. If you need any additional information, you can contact me a (425) 412-2642.
Sincerely,                                                                                                                                                                                                   
Henry P. S.                                                                                                                                                              Senior Compliance Specialist
 

12/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have contacted RPM several times when I call from my work # I'm disconnect purposely and then when I call back I'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is $0 and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the "escalation team" and then disconnected me. I totally get it if I owed this I don't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from 2 of my credit reports and they are holding up the last I'm not sure why. I can definitely send BBB the copies of the deleted reports as well as my refund check.

Desired Settlement: I would like to be removed ASAP from Equifax credit report

Business Response:

November 24, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ********.****@thebbb.org


Case# ********, ******** **********-*******


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. **********-******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. She is disputing this debt and claims she has called our office numerous times only to be disconnected. She further alleges that RPM has deleted the negative rating from two of the major credit bureaus but refuses to delete the rating from Equifax.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T Wireline on June 11, 2015. RPM mailed the initial dunning letter, advising Ms. **********-******* of the client, amount owed and her right to dispute this debt under the Fair Debt Collection Practices Act (FDCPA), on June 13, 2015 to the address of *** ********* ******** ***** ******* ** ****** RPM attempted telephone contact without success. The only telephone contact was an inbound call to RPM on October 29, 2015, at which time she disputed the debt. RPM immediately ceased collection activity, placed a dispute code on the account and contacted our client for validation.

That validation has been received and attached with this response. According to RPM’s records, we reported this debt as an active collection to the three major credit bureaus on July 26, 2015. We later updated that rating to “disputed” on November 1, 2015. After Ms. **********-******* has reviewed the validation, she can contact our escalation department at ***** ******** to discuss payment arrangements.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

Consumer Response:
Complaint: ********

I am rejecting this response because:  I'm not sure who's information this is that is provided as a validation, but I have provided for RPM and BBB's review The refund check that I received from my overpayment to AT&T in that same month that this was created and I did cash into my bank.  I also provided the deletions from the 2 that credit reports as I stated.  My name is NOT ****** ***** and I DO NOT live at **** ****** ** *** ***** ** **********. My name is ******** **********-******* and I LIVE at *** ********* ******** **** ******* ** ***** as you stated in your response to my complaint.  Please have this removed from my credit.



Sincerely,

******** ******************

Business Response:

December 1, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********* ******** ******************


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms. ****************** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. She is disputing this debt and claims RPM sent her validation documents that are for someone else living at a different address. In addition she claims our client refunded the balance to her.  After a review of our records I offer the following response on behalf of RPM:

In RPM’s November 24, 2015 response, a copy of the validation (the October 2, 2014 statement in her name) was attached and sent to your office. RPM has sent our client a copy of the “refund” check and asked for an explanation. When that is received, we will forward that to Ms. **********-******* for her review.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

12/4/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Rude, incompetent personnel. When trying to gather important information was told I could not dispute and what info he had was law. I asked for a manager and was told this is as high as your going to get then hung up on me. Called back 4 more time, different operators, after explaining what I needed done was instantly transferred to a dead line and auto disconnected. There is no reason to have a customer service # if you cant receive any help. But they are johnny on the spot when collection payments and harassing/threatening people. There needs to be a inquiry opened into this company's practices. They hold vital information on citizens lives and can destroy people. Disgruntled employees use this as scare tactics and could ruin peoples lives if not well regulated and trained. And should be accounted for by actions by Felony charges.

Desired Settlement: Credit report correction, and mandatory communication classes for all employees dealing with public.

Business Response:

December 1, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: *************@thebbb.org


Case# ********, **** *********


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********* is disputing this debt and complaining that RPM’s representatives were rude and incompetent.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client AT&T Wireline on September 14, 2015. RPM mailed the initial dunning letter on September 16, 2015, advising Mr. ********* of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ******** ******* *********** ** *****. RPM’s telephone contact was on September 29, 2015. At that time, Mr. ********* disputed the debt. I listened to the recording of that call and RPM’s representative was professional, coded the account as a dispute and contacted our client for validation. That validation was received and mailed to Mr. ********* for his review. A copy of the validation is attached with this response for your records.

The next contact with Mr. ********* was on November 30, 2015, at which time he again disputed this debt. I listened to that recording and RPM’s representatives mishandled the conversations and were not professional. Both of those employees are being disciplined and retrained. RPM wishes to apologize to Mr. ********* for any inconvenience our representatives caused. RPM has coded this as a dispute and ceased all collection activity. RPM has not reported this debt to any credit reporting agencies.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. As long as it is not listed as they said it wouldn`t be in their letter. But it is still listed online and on my account. Once removed all is satisfactory .

Sincerely,

**** *********

11/24/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: So back in July, a sales rep came to the place I work and I signed up for t-mobile. He assured me that if I went home and changed my mind, I could easily cancel the service. After reading reviews that t-mobile sucks, I decided to cancel my service. When I called to do so, they told me that the phone I ordered had already shipped and I would have to wait until I received it, send it back, and then I could cancel and get my refund. I sent the phone back immediately without even opening the box and I was eventually refunded for the full amount. I NEVER ported my number to t-mobile, used a t-mobile phone, had an "official" account with t-mobile, or even received a bill. So after I received the refund, I assumed that the whole process was resolved. Last month, I got a call from a collections agency stating that I had been sent there by t-mobile! I immediately called t-mobile, who said that my account now belongs to this collections agency and they can't help me. The collections agency says I need to fax them documentation of having a zero balance with t-mobile at the time that I cancelled the service, but like I said, I never even had an official account with t-mobile and they never sent me a bill. I don't know what to do at this point, but I am certainly not paying for a phone and service that I never used. The "bill" is for $500. Fortunately, I have not opened a credit card at any point in my life so it isn't wrecking my credit score, but of course someday I would like to and this all needs to go away before then! I don't owe t-mobile any money and I certainly don't owe RPM any money.

Desired Settlement: stop billing me for money I do not owe.

Business Response:

November 16, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********, ****** * ********


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******** is disputing this debt.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client T-Mobile on September 13, 2015. RPM mailed the initial dunning letter to Ms. ********, advising her of the creditor, amount owed and her right to dispute under the Fair Debt Collection Practices Act (FDCPA) on September 16, 2015 to the address of*** ** ******* ***** Ravenna OH 44266. RPM began attempts to reach this consumer by telephone and on September 22, 2015, RPM spoke with Ms. ******** who indicated this was fraud and she would send in a police report. RPM ceased collection activity and placed a dispute code on the file. A police report was never received and no contact was made until RPM received an inbound call on November 5, 2015 and a verbal dispute. RPM contacted our client requesting validation. After our client investigated the complaint, a credit in full is being issued and the account is being recalled.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

11/23/2015 Billing/Collection Issues
11/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company has been calling myself my wife my friends and my relatives and when the call is answered they hang up constantly upon calling the company back i could not understand the representative so was transfered numorus times till i was hung up on again so i called a thired time and informed them that i needed the adress and company name because i was going to file a complaint against the company and was then transfered to another agent that told me why they were calling about a bill due to **** wich has its own issues in its self and was informed the only way they would stop calling would be to give them a post dated check.

Desired Settlement: i will deal with **** directly

Business Response:

November 12, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********, ***** ** *****

Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** is complaining about the number of calls to his residence, friends and family. When someone answers he claims RPM hangs up. When he has called our office and discovered why we are calling, he indicated he has a dispute with **** that he will handle.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file, in the name of ****** *****, from our client **** on October 27, 2015. RPM mailed the initial dunning letter to Ms. *****, advising her of the creditor, amount owed and her right to dispute under the Fair Debt Collection Practices Act (FDCPA). RPM was provided with two telephone numbers for contact by our client and proceeded to attempt telephone contact. The only contact was on November 9, 2015, at which time Mr. ***** indicate he had a problem with **** that he would handle.

RPM placed a dispute code on the account, ceased collection activity and contacted our client for validation. That validation has been received and is attached with this response. If Ms. ***** wishes to contact our office to discuss payment arrangements, she can call our escalation department at ***** ********.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

11/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I pulled my ******* report to find an account from this company (********** account #********). I've never had an account with **********. I have been a victim of identity theft. The fraud team at ******* is aware of this.

Desired Settlement: Please remove this account immediately.

Business Response:

November 4, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********, ****** ******


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** is disputing this debt and claims she wants the negative credit bureau rating deleted.   After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ********** on July 29, 2015. RPM mailed the initial dunning letter, advising Ms. ****** of the client, amount owed and her right to dispute this debt under the Fair Debt Collection Practices Act (FDCPA), on July 30, 2015 to the address of *** ********** **** Lexington, KY 40505. RPM never made any contact and our client recalled the account on October 16, 2015. RPM’s IT department is in the process of sending the deletion notice to the three major credit bureaus.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** ******

Consumer Response:
Complaint: ********

I am rejecting this response because:

They are still reporting this account. Can you ask them for the status?



Sincerely,

****** ******

Business Response:

November 16, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********, ****** ******


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** has rejected our original response since the negative rating is still being reported in her credit bureau file.  After a review of our records I offer the following response on behalf of RPM:

As previously stated, RPM received this file from our client Windstream on July 29, 2015. RPM mailed the initial dunning letter, advising Ms. ****** of the client, amount owed and her right to dispute this debt under the Fair Debt Collection Practices Act (FDCPA), on July 30, 2015 to the address of *** ********** **** ********** ** *****. RPM never made any contact and our client recalled the account on October 16, 2015. RPM’s IT department has sent the deletion notice to the three major credit bureaus. In addition we resent the deletion notice through the EOSCAR system and the AUD# is ********. RPM has no control regarding how long it takes the three major credit bureaus to update Ms. ******** credit file.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (**** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

11/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My husband is sick with Alzheimer, Hydrocephalus and iis looking at not only a brain shunt, but also an Artificial Urinary Sphincter for incontinence. This company has been calling repeatedly using an automated dialer. The dialer often does not connect. When I stop what I am doing to get to the phone, the line goes dead. Today, answering the phone, after being on hold,. i get connected to an individual who has several questions to verify my identity.I tell them I am in a hurry, so please tell me what they want. They transfer me to another person. Again, the same problem. i'm on the phone for several minutes while they ask questions about my phone number, zip code etc. I state I contest any allegations against accounts receivables and do not want to be harassed with these calls. The party keeps asking the same questions. I am on the phone while in the other room, my husband falls over. These calls have to stop.

Desired Settlement: I contest all allegations for collections. If these calls do not stop, I will change my phone number.

Business Response:

October 28, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********, ********* *****************


Dear Ms. ****,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***************** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. She is complaining that RPM is calling her and then hanging up. When she calls RPM, she is asked a lot of questions such as name, address, and other demographic type questions. In addition to disputing the debt, she wants the calls to stop.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******* ******** on October 8, 2015. RPM mailed the initial dunning letter, advising Ms. ***************** of the creditor, amount owed and her right to dispute under the Fair Debt Collection Practices Act (FDCPA) on October 10, 2015 to the address of ** ***** **** **** ******** ** *****. RPM never received any reply and began telephone attempts. The only telephone contact was an inbound call on October 23, 2015. When RPM attempted to verify we were speaking with the right party, the caller refused to answer our questions. Since RPM could never verify that right party the call ended. Upon receipt of this complaint, RPM has ceased collection activity, coded the account as a dispute, placed a do not call code on the account and contacted our client for validation. When that validation is received, it will be forwarded to Ms. ***************** for her review.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry P. S******
Senior Compliance Specialist
 

11/2/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: They continually call and harass me and once I start talking a representative puts me on hold and then hangs up on me. I continued to call back and they would repeat my name because of the caller ID and then while I would be talking they would hang up again. This happened 10 times in one night. Finally I spoke to "Karen" and she told me that they are calling me representing ****** for an ungodly sum of money ($1188.27). I told Karen that I have all the UPS receipts that everything was sent back so she gave me fax number ************** to fax my receipts to along with dispute letter. Two days later I get a letter from them stating I have to pay $1188.27 to them. I call and once again get hung up on three times before speaking to "Linda" and she told me that they never received any faxes from me and that other customers are complaining of the same thing. So I asked to speak to her supervisor "Diaz" because Linda would not answer any questions other than to keep telling me I had to pay or in 103 days they will report it to the credit bureaus it was going to effect my credit. I told her I sent proof and there is nothing I owe and she hung up on me. I have tried calling back several times with the same results. I have a outgoing call history on my phone to show how many times I called them back after their harassing phone calls and hang ups on me. I know my credit is going to be compromised because of this outfit and because of ******. I have twice sent them faxes including dispute letter, proof Returned UPS Delivery Labels, transmission verification receipts, and also two emails at the following email address which is on their home page and also give to me by Linda, ************************************** NO RESPONSES BY THEM and tell me haven't received anything

Desired Settlement: I would like complete billing adjustment because this is a false claim and I have sent proof in faxes and emails. And NOTHING on my credit report

Business Response:

November 2, 2015




Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327

Email: ************************


Case# ********, ***** *****


Dear Ms. *****

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** is disputing this debt and claims RPM is making harassing telephone calls to her home.  After a review of our records I offer the following response on behalf of RPM:

RPM received this file from our client Sprint on October 16, 2015. RPM mailed the initial dunning letter, advising Ms. ****** of the client, amount owed and her right to dispute this debt under the Fair Debt Collection Practices Act (FDCPA), on October 18, 2015 to the address of ** *** **** **** ******** ** *****. RPM made a total of two telephone calls to Ms. ******** home number. One call resulted in a lost connection while transferring to a RPM agent and the second call our agent spoke with Ms. ***** about this debt. She subsequently called our office on October 26, 2015 to dispute this debt. I disagree with Ms. ******* allegations that these two calls were harassing according to the FDCPA. However upon notification of the dispute, RPM ceased collection activity, coded this account as a dispute and contacted our client for validation. As soon as the validation is received, RPM will forward that to Ms. ****** for her review.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at **** ********

Very Truly Yours,


Henry S*******
Senior Compliance Specialist
 

Consumer Response:
Complaint: ********

I am rejecting this response because:  I can get documented proof from Verizon wireless of how many phone calls were incoming and outgoing and the minutes in between to prove I was disconnected.  They also say I was on a recorded line, so unless erased then that is more proof of the harassment.  Also, I still have heard nothing back from them about the dispute against ******

Sincerely,

***** ******

10/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently checked my credit report as I was denied credit due to an unpaid collections debt. I recently paid any and all debts that were listed on my report and very confused why I was told I had an unpaid debt. I found an open collections of $214 for a supposed joint account listed for ** * by Receivables Performance Management. It was only listed as RPM on my credit report. I contacted **** about this because I know I do not owe them any money. I spoke with several reps at ****, they did not know who this collection agency was and they even stated that I also did not owe them any money. The reps at **** said they have no affiliation with this RPM company. I did have a past collection with **** that was paid a year ago with a different collections agency called *********** ***********. I then contacted *********** ***********, as I have worked with them in the past with other collections and I wanted to inquire with them if they knew who RPM was. They too were confused and said they had no affiliation with RPM and that my only **** debt collection was through them which I had paid in 12/2015. They sent me my proof of payment to verify for ******* to prove the debt to **** was paid through their collection agency. I called ******* since **** was not aware of RPM or this supposed $214 debt. ******* said this company has me listed under the name ****** ******* living at *** ****** ***** in San Diego, CA. My name is ****** ******* and ******* is my mothers maiden name. I have never used the name ****** *******. I am from Arvada, CO. This is a false debt from RPM and it is ruining my chance at building up my credit. I have never been contacted by this company and I do not know how they think I owe them $214 for **** when **** doesn't even know about it either. This company is trying to get me to pay a debt that is not mine and that is also not owed.

Desired Settlement: I want this company to fix their error and to remove this false debt from all 3 credit reporting agencies, ******** ******** *** ***********

Business Response:

September 30, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ****** *******
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* is disputing the debt to **** in addition to other allegations. He claims he spoke with ****, who stated he owed nothing and **** does not have any affiliation with RPM. Mr. ******* also alleges that RPM never contacted him and we reported this debt in the name of ****** *******. After a review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client **** on March 22, 2014. RPM mailed the initial dunning letter, advising Mr. ******* of the creditor, amount owed and of his right to dispute under the Fair Debt Collection Practices Act, on May 4, 2014 to the address of *** ***** **** San Diego CA 92109. No telephone contact was ever made and our client recalled the account in September, 2015. A deletion notice was sent electronically to the three major credit bureaus on September 22, 2015. RPM was not included in Mr. *******’s conversation with ****, so we really don’t know what was said or who he spoke with. However **** has been a client of RPM’s for several years.
 
Mr. ******* alleges that RPM reported this debt to ******* in the name of ****** *******, not *******. Our client sent this file to RPM in the name of ****** *******, it was reported in that name, and RPM can’t locate any files with the last name of *******.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

Consumer Response:
Complaint: ********

I am rejecting this response because: I am a female, I am going of of what information was given to me from ******* in regards to the name ****** *******. This debt was never in the care of RPM. In speaking with **** they have indicated that they have no record of RPM dealing with me in any way. *********** *********** is the only collection agency they have listed for me. This was verified by calling them. My credit report is still currently showing RPM as an unconnected and unpaid debt for $214. I want a proof of deletion notice sent out to me and to all major credit reporting agencies over more. I would like RPM to contact **** differently to fix their error. My credit reports are still currently showing RPM as of today 9/30/2015. They need to have this off my credit reports in less than 30 days or I will be contacting a lawyer. 

Sincerely,

****** *******

Business Response:

October 5, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ****** *******
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced follow up complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* has again raised several issues in her rejection of RPM’s original response: she is upset that RPM referred to her as Mr.; she claims **** never placed this debt with RPM; she claims, per *******, that RPM reported this in the name of ****** *******; RPM’s negative reporting of this debt is still showing in her credit file as of September 30, 2015; and she wants proof that RPM sent the deletion to the credit bureaus.  After a review of our records I offer the following response on behalf of RPM:
 
RPM was in error when referring to Ms. ******* as Mr., for that we apologize. As RPM stated in its first response we received this file from our client **** on March 22, 2014. RPM mailed the initial dunning letter, advising Ms. ******* of the creditor, amount owed and of his right to dispute under the Fair Debt Collection Practices Act, on May 4, 2014 to the address of *** ***** **** San Diego CA 92109. No telephone contact was ever made and our client recalled the account in September, 2015. A deletion notice was sent electronically to the three major credit bureaus on September 22, 2015, so this response is your proof of the deletion. RPM does not have any control over how long the three major credit bureaus take to update their records. RPM was not included in Ms. *******’s conversation with ****, so we really don’t know what was said or who she spoke with. However **** has been a client of RPM’s for several years.
 
RPM has searched its business records and cannot find any record of an account in the name of ****** *******. Thus RPM did not report any such file to any credit reporting agency. 
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

10/15/2015 Billing/Collection Issues | Complaint Details Unavailable
10/14/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Greetings! Before filing this with the BBB I attempted to send this on the RPM website and it never processed! I kept getting an error so I am sending to the BBB instead for assistance! I disputed this incorrect debt with the credit bureaus previously when ******** ********** ****** had it and it was removed June 2015! Now all of a sudden RPM picks up the debt and resubmits it to the credit bureau to show up again and according to the FDCPA that is illegal! Please remove this already removed debt from my credit at once! Thank you!

Desired Settlement: Please once again remove these from my credit reports! The information below showed back up! These are the collections accounts that have recently been removed from your credit report. Agency Report Date Removed Original Creditor Amount Owed Bureau ******** Jun 02, 2015 ** * $214 ******* ******** COL Jun 02, 2015 10 ** * $214 **********

Business Response:

October 13, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ******* * *****
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ***** is disputing this debt and claims she disputed it in June, 2015, when it was placed with another collection agency. She alleges that reporting this debt to the credit bureau violates the Fair Debt Collection Practices Act (FDCPA).  After a review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client **** ******** on May 6, 2015. RPM mailed the initial dunning letter, advising Ms. ***** of the creditor, amount owed and her right to dispute the debt under the FDCPA on May 8, 2015 to the address of **** ********** ***, Conyers GA 30094. RPM never made any contact with Ms. ***** or heard from her until the receipt of this dispute from your office. RPM immediately ceased collection activity, coded the account as a dispute, notified the credit bureau of the dispute through our EOSCAR system (AUD #********) and contacted our client for validation. When that validation is received, RPM will forward it to Ms. ***** for her review. RPM believes these actions are in compliance with the FDCPA.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry *. S******
Senior Compliance Specialist

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me as long as they continue to keep it off my credit as they have included in their correspondence.

Sincerely,

******* *****

10/14/2015 Billing/Collection Issues | Complaint Details Unavailable
10/13/2015 Billing/Collection Issues | Complaint Details Unavailable
9/30/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This business is reporting an inaccurate information on my credit report, i contacted the credit bureaus to have it resolved, it is still reporting the inaccurate information on transunion credit report, i want the company to send me proof of debt and validation and payment history with the original creditor and original signature of the contract, the information reported is inaccurate and should be deleted from my credit report with immediate effect if the company cannot send me proof of debts, payment history and signature with contract with said original creditor *******

Desired Settlement: business has the responsibility to send me proof of debt with original contract and signature owing the debt and payment history along side, failure to provide these proofs should cause immediate deletion and correction to my credit report at transunion

Business Response:

September 22, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ****** *************
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* is disputing this debt and RPM’s reporting it to the credit bureau. He wants the report deleted from his credit bureau file.  After a review of our records I offer the following response on behalf of RPM:
 
RPM was not aware of any dispute until we received the complaint from your office. RPM immediately ceased collection activity, coded the account as a dispute and contacted our client. RPM’s client ******** has responded and below is their validation comments:
 
“Our records confirm that Mr. ********* billing cycle ran from the 29th of the month to the 28th of the following month with payment due on the 21st of each month.  It is important to note that Mr. ********* account was billed in arrears.  ******** records confirm that on December 29, 2012, Mr. ********* billing statement was mailed to him showing an outstanding balance of $763.01, which included a past due balance of $485.37, and monthly access charges, usage charges, late fees and applicable taxes totaling $277.64, for services from November 29, 2012, through December 28, 2012.
 
Records confirm that on January 4, 2013, Mr. ******* remitted payment in the amount of $485.37, reducing his outstanding balance to $277.64.  As payment was not received for the full balance, $277.64 was carried over to Mr. ********* following billing statement.  On January 29, 2013, Mr. ********* billing statement was mailed to him showing an outstanding balance of $421.67, which included the above past due balance, and current charges of $144.03 for monthly access charges, usage charges and applicable taxes for service from December 29, 2012, through January 28, 2013.  On February 1, 2013, Mr. ******* remitted payment in the amount of $277.64, which reduced his balance to $144.03. 
 
On February 15, 2013, Mr. ********* February 1, 2013, payment of $277.64 was returned to ******** as unpaid, bringing his balance to $421.67.  There were no further payments made to ********.  Further records confirm that on February 20, 2013, Mr. ******* transferred his numbers ending in **** and **** to another carrier, canceling his ******** account. 
 
It is important to note that mobile number ending in **** had a contract end date of January 6, 2014, and number ending in **** had a contract end date of April 4, 2014.  On March 1, 2013, Mr. ********* final billing statement was mailed to him showing an outstanding balance of $1,773.67, which includes the above past due balance of $421.67, monthly access charges, late fees, usage fees, early termination fees and applicable taxes totaling $1,352.00. 
 
As payment was not made for the outstanding balance of $1,773.67, Mr. ********* account was referred to a third party agency, ******, for collection purposes and a one-time non-refundable collection fee in the amount of $357.17 was assessed to his account bringing his outstanding balance to $2,130.84.  Since ****** was unable to collect the outstanding balance, on December 4, 2013, Mr. ********* account was referred to another third party agency, *********** *********** ***., for collection purposes.  Finally, since *********** *********** ***., was unable to collect the balance, on December 14, 2014, Mr. ********* account was referred to Receivables Performance Management, where it now resides.  Mr. ********* account remains closed with an outstanding balance of $2,130.84.”
 
If Mr. ******* wishes to contact our escalation department to negotiate this now validated debt, he can call ***** ********* His RPM account number is ********.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry** S******
Senior Compliance Specialist

9/30/2015 Billing/Collection Issues | Complaint Details Unavailable
9/29/2015 Problems with Product/Service | Complaint Details Unavailable
9/29/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: for two weeks they have been calling me 1-3 times almost every day when I answer the phone it is playing music and no one is on the line when I have called back they transferred me so much that the call gets disconnected. I tried to figure out who they are calling for and they wont answer any of my questions they wouldn't even tell me where they were located only that they are in the US.

Business Response:

September 21, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, **** * ********
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********** complaint is RPM has been making 1-3 calls almost every day and when he answers he gets music. When he tries to call RPM, the calls get disconnected or RPM refuses to give him any information. After a review of our records I offer the following response on behalf of RPM:
 
RPM received this debt from our client **** ****** ***** on August 31, 2015. RPM mailed the initial dunning letter, advising Mr. ******** of the creditor; amount owed; and his right to dispute under the Fair Debt Collection Practices Act (FDCPA) on September 2, 2015, to the address of **** ******** **, Fayetteville, NC 28306. RPM began making unsuccessful telephone attempts starting on September 1, 2015. All telephone attempts were within the convenient times as authorized by the FDCPA, Section 805 a (1). RPM has placed a “Do Not Call” code on Mr. ********** telephone number.
 
RPM does report **** ****** ***** debts to the three major credit bureaus, but hasn’t done so yet. If Mr. ******** wishes to call RPM and negotiate payments, he can call our escalations department at ***** *** ****.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

9/29/2015 Billing/Collection Issues | Complaint Details Unavailable
9/24/2015 Problems with Product/Service | Complaint Details Unavailable
9/21/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: They started calling me a couple of weeks ago, leaving messages for "Nicole M" (not me) threatening legal action over a disputed check. They have been giving my phone number out as a way to contact their business. I've received repeated calls (almost every day) from people trying to reach them on MY personal cell number. This has been going on for weeks. I've had the number for well over a year and this just started in June. I've never been a "customer" of theirs. They have NEVER been given permission to use my telephone number for any purpose.

Desired Settlement: First, they MUST stop giving out my phone number. Second, they must stop calling my number and leaving messages threatening legal action against someone I don't know.

Business Response:

September 14, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, **** ********
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******** is alleging that RPM has been calling her home number for the past two weeks trying to reach someone who doesn’t live there. She wants the calls to stop.  After a review of our records I offer the following response on behalf of RPM:
 
RPM researched its business records for any account with the telephone number ***** ********* The only account is for a consumer that is not Ms. ******** or the person she alleges RPM is trying to reach. The account that has that telephone number was recalled by our client on July 25, 2014. Ms. ******** gave us the partial name of a consumer, Nicole M that we are supposedly trying to reach. However, that is insufficient to locate an account. If Ms. ******** can provide any additional information to locate this account or consumer, RPM will attempt to locate it. Obviously RPM wants to stop telephone calls being made to the wrong person.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because:  they did not address my complaint.  The business (Receivables Performance Management) is giving MY phone number out to people they (RPM) are calling and telling those people to call my number to reach them (RPM).  I have received numerous calls (sometimes several in one day) over the last couple of months from people trying to return calls to or reach RPM.  THAT IS MY COMPLAINT.  I have contacted RPM with no response.  I want them to stop giving my number out as a contact/call back for THEIR BUSINESS.  This information was included in my complaint so I am unclear as to how it was changed to being about them calling me and my telephone number belonging to someone else.  I've had the number for well over a year (since before June 2014), so I'm quite sure it is assigned to me.

I want them to stop giving my number out as a contact for their company.  

Sincerely,

**** ********

Business Response:

September 21, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, **** ********
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******** rejected RPM’s initial response because she alleges that RPM is giving out her home number of (**** ******** to other consumers to call RPM.  After a review of our records I offer the following response on behalf of RPM:
 
When leaving telephone numbers, for call backs, RPM uses only toll free numbers. This practice is done so there is no violation of the Fair Debt Collection Practices Act (FDCPA) section 808 (5). RPM does not know how consumers obtained Ms. ********’s telephone number or why they are calling her. As RPM stated in our original response, the above telephone number is only listed on an account that was recalled on July 25, 2014. RPM has not reviewed that account since that recall date, except to respond to this complaint.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry ** S****** Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because:  I continue to receive calls on my phone for their busines.  When I have questioned some of the callers, they have told me the number given to them as a call back to that business is *************  Which is MY number.  I do not care what they say they have in their records regarding accounts and my number - that is not relevant to my complaint.  I also do not care if they are a third-party whatever - it is not relevant.  

I would ask AGAIN that they agree to stop giving my telephone number as a call-back to their business.  Perhaps they can review the issue with their staff, and assure that my number - including area code - does not show in any of their materials as a number to be given to ANYONE attempting to call their business.

I continue (even after starting this complaint process) to receive calls for their business, so clearly the matter is NOT resolved. 

Sincerely,

**** ********

9/10/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I made arrangements to resolve a debt with ****** ***. They adjusted the balance and updated the file which was under agreement with RPS. I contacted RPS to make the payment. I completed my transaction with them on 8/21. I asked for a confirmation letter to note that the account had been resolved and paid in full. When it did not arrive in my email as expected I called them back and spoke w/ a young girl who was posing as a manager, and then finally to a manager. I was assured that my confirmation letter would be sent in the next 24 hours and that my payment was processing and that I would receive a letter as soon as the funds cleared. My bank shows confirmation of the payment on the 21st, but I have yet to receive a confirmation, so I call them this afternoon and was told that my account was not paid but canceled and sent back to ******. I have a copy of the transaction from RPM. This is fraud and a scam!

Desired Settlement: An immediate confirmation letter that the account is PIF and an immediate update to my credit report.

Business Response:

September 2, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, **** ********
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is complaining that he paid this debt to RPM and a Paid in Full (PIF) letter was requested but never sent. When he called back he was told the account has been cancelled back to the client. Mr. ******** feels this is an example of a fraud and a scam. After a review of our records I offer the following response on behalf of RPM:
 
RPM received this debt from our client ****** on February 28, 2015. After paying two $36.50 payments directly to our client on March 17, 2015 and April 16, 2015, Mr. ******** called our office on August 31, 2015 and agreed to a PIF using a debit card. Mr. ******** called back approximately one hour later and requested a PIF letter. RPM’s representative advised him the payment needed to be processed and showing on the account (approximately 24-48 hours). RPM processed the payment and on August 23, 2015, an updating was sent to the three major credit bureaus to reflect a PIF rating. RPM’s client did recall the PIF account on August 24, 2015. Mr. ******** called our office on August 26, 2015, requesting a PIF letter which was sent. RPM apologizes for any delay in sending out the requested letter. RPM disagrees to the above sequence of events being described as a fraud or a scam.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

9/8/2015 Billing/Collection Issues | Complaint Details Unavailable
9/3/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On 8/27/15 I paid the final payment online with a debit card ending in 4129 for the amount of 138.96 to close my account with RPM. On 8/31/15 a payment for 58.97 was processed on my debit card ending in 2817 without authorization and according to my bank it was a manual transaction as in someone actually punched in the numbers. When I called to get this payment reversed RPM rep. Elizabeth Avalos informed me that it would be 7-10 business days until I receive a check for the refund. Informed her that that is unacceptable and requested to speak to a supervisor to which she said she is a supervisor and is the only one there. When I pressed further she placed me on hold only to disconnect the call 5 minutes later. After repeated phone calls in to RPM getting transferred to Elizabeth Avalos every time only to be placed on hold then disconnected or transferred to someone who's mailbox is full I eventually got Dasi Young who claimed to be Elizabeth's manager. To which she stated the same thing that it would take 7-10 days for me to receive a check for a transaction they manually processed without authorization. I managed to also get the name of the manager in processing her name is Jenna Meyer to which when I requested to speak to her I got the same treatment. Placed on hold. Disconnected a couple minutes later.

Desired Settlement: I want this account stricken from my credit report and a full refund issued promptly to include an investigation into the practices of this company.

Business Response:

September 3, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ***** ** *****
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** is alleging that RPM processed an unauthorized credit card payment for $53.97 on August 31, 2015. Then when he tried to call RPM to complain, he was continually put on hold, disconnected and when he finally spoke with someone was told it would be 7-10 business days to refund his money.  After a review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client ****** on July 17, 2015. On July 20, 2015, RPM and Mr. ***** negotiated a series of credit card payments that would pay in full (PIF) this debt. The agreed upon payments were $75.00 to be presented for payment on July 20, 2015, August 3, 2015, August 17, 2015 and the final payment of $53.97 on August 31, 2015. The first two payments were processed, however the August 17, 2015 was returned as insufficient funds. RPM attempted to contact Mr. ***** regarding that payment. He called our office on August 27, 2015 and indicated he wanted to pay through our automated Web site. He paid the remaining balance through RPM’s Web site on August 27th, however it appears neither he nor RPM’s representative mentioned the previously authorized scheduled payment of $53.97 scheduled to be run on August 31, 2015.
 
In our normal course of business, it takes 7-10 business days to refund an overpayment. That was the information originally given to Mr. *****. However when RPM reviewed the events in this matter, RPM expedited the process and his $53.97 refund was mailed to Mr. ***** on September 2, 2015. RPM apologizes for any inconvenience.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *****

8/26/2015 Billing/Collection Issues | Complaint Details Unavailable
8/19/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: this company start calling me at 8 am and triples dials me in the afternoon. They have called no less and 4 times in one day and left several voicemails. i want to dispute the validity of this collections with them . but they are not legally allowed to call me that much in one day it is borderline harassment. one rep calls and it goe to voicemail and then immediately someone else calls. this is harassment and i want to the multiple calls and voicemail to stop i want in writing the original bill and that they are licensed to collect in florida

Desired Settlement: i want an exact bill for what i owe and to who as well as the harassing phone calls to stop if they are not licensed to collect in my state i want the debt removed

Business Response:

August 19, 2015
 
 

Case# ********, ***** *********
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ********* complaint falls into four categories: she disputes the debt; claims RPM is calling her 4 times a day and this is borderline harassment; she wants the calls to stop; and she wants proof that RPM is licensed to collect debts in Florida.  After a review of our records I offer the following response on behalf of RPM:
 
RPM received this debt from our client **** on June 20, 2015. RPM mailed the initial dunning letter, advising Ms. ********* of the creditor, amount owed and her right to dispute under the Fair Debt Collection Practices Act (FDCPA), on June 23, 2015 to the address of **** ** **** Street, Ft. Lauderdale FL 33328. Our client provided the telephone number ***** ******** as a good number to reach Ms. *********. RPM began telephone attempts, of which all attempts were within the “convenient times” as allowed by the FDCPA, Section 805 a (1).  No telephone contact was ever made. Upon receipt of this complaint, RPM immediately ceased all collection activity; coded the account as a dispute and contacted our client for validation.  After reviewing this account, RPM’s client has recalled the account and as of August 18, 2015, RPM has closed the account; sent a deletion to the three major credit bureaus; and is no longer representing **** in this matter.
 
Regarding Ms. *********’s concern about RPM being licensed in Florida that is a matter of public record. She can look up the Florida Secretary of State’s Website for the Business Registry. Then look up Receivables Performance Management and review our license information. The document number is ************.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (**** ********
 
Very Truly Yours,
 
 
***** P. *******
Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *********

8/17/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company calls me incessantly. I have told them this account was paid in full January 2015 through another collection agency and have provided proof of payment. I also spoke to the agency I paid the debt off with and they said to have Receivables Performance Management call them and proof of payment would be provided.

Desired Settlement: I want a letter retracting the collection and have their collection reporting removed from my credit report.

Business Response:

July 29, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email:*************@thebbb.org
 
 
Case# ********, ****** ****
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****’s complaint is that RPM is trying to collect on a debt that she paid to another collection agency in January, 2015. Ms. **** is also complaining that RPM is calling incessantly. After a review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client ******* ****** on May 1, 2015. RPM mailed the initial dunning letter, advising Ms. **** of the creditor, amount owed, and her right to dispute under the Fair Debt Collection Practices Act (FDCPA), on May 5, 2015 to the address of **** ***** ******, Livermore, CA 94550. RPM began attempting telephone calls, without success, to contact Ms. ****. All telephone attempts were within the convenient times as stated in the FDCPA, Section 805 a (1). Upon notification of the dispute, RPM immediately ceased collection activity, coded the account as a dispute and contacted our client. When RPM’s client responds to that inquiry, RPM will notify Ms. **** of the results.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

Business Response:

August 17, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: ********.****@thebbb.org
 
 
Case# ********, ****** ****
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms. **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****’s complaint is she called RPM’s office; she was disconnected several times and not helped. She then called the collection agency she paid and they confirmed that the debt was paid. After a review of our records I offer the following response on behalf of RPM:
 
RPM has checked its business records and can’t determine when or if Ms. **** called our office. If our representatives were less than helpful, we apologize. Based on RPM’s earlier inquiry to our client ******* ******, they just confirmed that the debt was paid. They instructed RPM to close the account and the three major credit bureaus were advised to delete any negative rating as of August 16, 2015.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Unfortunately I am one of many consumers to file a complaint against this company.  My complaint as well as others I've read all have a common theme.  While RPM's reply is 'satisfactory' they are not taking responsibility for the actions and lack of their responsibility to the consumer.


I am am requesting a copy of RPM's submission to the credit bureaus to remove their collection.

Sincerely,

****** ****

8/10/2015 Problems with Product/Service | Complaint Details Unavailable
8/8/2015 Billing/Collection Issues | Complaint Details Unavailable
8/7/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I got a new phone number and have been receiving calls from this company for someone named Michael. I have told them time and again to take the number off their list that this number was reassigned and that there is no one named Michael at this number. The continue to call disturbing me at all hours. Evidently from looking at the website for this company, I am not the only one having this problem with them. You need to do something to stop these harassing calls. I told them the last time they called (someone named Daniel) that I was reporting them to the FTC and to the Better Business Bureau in Washington.

Desired Settlement: I would like to not have any more calls from this company and I would would strongly recommend some type of monetary fine against them since this seems to be a common practice by this company. check out their website and read the reviews and you will get a better idea of the type of company they are.

Business Response:

July 27, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********* ****** ** *******
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** ** ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* is alleging that RPM is continuing to call his new home telephone number, trying to reach someone else, and he has asked RPM to cease the calls.   After a review of our records I offer the following response on behalf of RPM:
 
RPM received a file from our client ********** on June 3, 2015 for a consumer that is not ****** ** *******. RPM is withholding that consumer’s name so there is no Third Party Disclosure Violation under the Fair Debt Collection Practices Act (FDCPA). According to RPM’s business records all telephone attempts were no contact until July 21, 2015, when RPM was advised of the wrong number and to stop calling. A “Do Not Call” code was placed on the telephone number (**** ******** and all telephone attempts has ceased. RPM apologizes to Mr. ******* if we have inconvenienced him in any manner.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

8/7/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I paid the bill when notified of the existing account with this company, Receivables Performance Management, their records show the bill was paid. I asked them to please notify the 3 major credit bureaus of the bill being paid. The first four times I called they asked me to hold the first time, then hung up. The second time they transferred me and the person on the other end picked up the phone and hung up. The third time they transferred me and I got disconnected again. The fourth time I told them please do not transfer me, please do not hang up, I just want this resolved. Then the lady states they already notified the 3 major credit bureaus. I explained I spoke to all 3 and they were not notified could you please do it again. She told me that was my issue to resolve not her problem and she would mail me a receipt that was the best she could do. I filed a dispute with the credit bureaus and they stated it was not paid. I have re disputed this again. And I still have not received that email receipt as promised. I did notify them I was contacting the Better Business Bureau. This is unacceptable.

Desired Settlement: I would like this removed from 3 credit reporting agencies and I would like others to know what type of business they are dealing with. I paid my bill and should have had this resolved off my credit within 60 days at the latest. It is THEIR job to report to the agencies when a bill is delinquent AND when the bill has been paid. The customer service is horrible and rude.

Business Response:

July 27, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********* ******* ** *****
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ***** is alleging that RPM failed to update the credit bureaus when she paid her account in full. In addition, she feels RPM’s representatives were rude to her or hung up on her when she called to discuss the credit bureau rating. After a review of our records I offer the following response on behalf of RPM:
 
RPM did receive the paid in full (PIF) payment on April 2, 2015. RPM sent an update to the three major credit bureaus to change the rating to PIF on April 6, 2015.  This updating was an electronic update and RPM has no idea why the credit bureaus did not update their records. Ms. ***** called our office on July 8, 2015, refused our offer of a PIF letter but wanted the credit bureaus updated. This was done through our electronic EOSCAR system and the AUD# of the second PIF updating is ********. A PIF letter was sent to Ms. ******* residence today.
 
RPM apologizes if Ms. ***** felt our representatives were rude. RPM is constantly training and retraining our representatives on giving good service.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (**** ********
 
Very Truly Yours,
 
 
Henry ** S******
Senior Compliance Specialist

8/3/2015 Billing/Collection Issues | Complaint Details Unavailable
7/29/2015 Billing/Collection Issues | Complaint Details Unavailable
7/29/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I made my payments as agreed in the settlement, but RPM reported to credit bureaus that payments were not made. Reports were made AFTER both payments were made and balance was zero. This account was not even on my credit report previously, but is now a derogatory account even though it is paid in full. I would like this account removed or at the least listed as paid in full. I paid it ahead of time. I have been working to raise my credit score very diligently and this dropped my score by 40 points! AND ITS PAID!!!

Desired Settlement: Report correctly to ALL credit bureaus that this account is paid in FULL!!

Business Response:

July 6, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ******* ***
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. *** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. *** is alleging that entered into a Settlement in Full (SIF) agreement with RPM and then paid the agreed upon two payments, however RPM is continuing to report this debt to the credit bureaus as an active collection.  After a review of our records I offer the following response on behalf of RPM:
 
RPM and Ms. *** negotiated a SIF payment plan regarding this account. She then paid the two payments, one on May 15, 2015 and the second on June 4, 2015. Ms. *** called RPM on June 22, 2015 and was advised that within 48 hours the SIF rating would be reported to the three major credit bureaus. RPM subsequently sent the proper credit bureau rating to the credit bureaus.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry P. S******
Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because: I called on three different occasions because I received a letter stating that the account was not paid & was told that again on three occasions I would receive an EMAIL that my account was settled that day. The other issue is that it was reported incorrectly to the credit agencies. Our agreement was that it was a SETTLED IN FULL account but it has been reported as "settled as less then the full amount" & that lowers my credit score. It was initially listed on my account as only one payment and that was after I had made both payments. Please adhere to our agreement and make this the SETTLED IN FULL ACCOUNT.
Sincerely,

******* ***

Business Response:

July 28, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, ******* ***
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced second follow up complaint filed by Ms. *** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. *** is alleging that RPM agreed to report the debt as paid in full to the three major credit bureaus and has failed to do so.  After a review of our records I offer the following response on behalf of RPM:
 
This debt was electronically reported to the three major credit bureaus as “Paid in Full” on June 28, 2015. RPM has no control over how long it takes any of the three major credit bureaus to update their records.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at***** ********
 
Very Truly Yours,
 
 
Henry P. S******
Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because:It was reported to the credit agency as LESS than FULL PAYMENT!!! This is the problem that needs to be corrected. From credit agency TRANS UNION   SAME ON ALL:          
 "Last Reported Jun 28, 2015Collection Agency RPMOriginal Creditor ******* Status ClosedOpened Date May 07, 2015Closed Date --Responsibility Individual Account.Balance $0High Balance $296Remarks Account paid for less than full balance"

Sincerely,

******* ***

7/29/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Yes, I recently took the time to check my credit reports and found that RPM is collecting on me for a debt that clearly not mine. It looks like someone fraudulently opened an account with ****** ** in my name in the state of New Mexico. I've attempted to call RPM, but they said there was nothing they could do since the debt had already been passed off to them. Prior to me calling RPM, I have not received any type of letter validating this debt to me nor I have received any calls in regards to this erroneous debt. I don't understand how any of this happened, but I do understand my rights under the FCRA have been violated and I do have grounds to file legal litigation if needed. I can provide proof that I've never lived in New Mexico and I can also provide proof this debt is not mine. All proofs will only be used in a court of law if I do not receive my desired resolution here. Account number in questions with RPM is: ********

Desired Settlement: I demand that this account be removed from all three credit bureaus and returned to ****** ** so that I may work this out with them directly.

Business Response:

July 28, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: *************@thebbb.org
 
 
Case# ********, **** *******
 
 
Dear Ms. ****,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. *******’s complaint is that RPM is reporting a debt to his credit bureau file that he doesn’t owe.   After a review of our records I offer the following response on behalf of RPM:
 
RPM received a file from our client ******* on June 28, 2013. On November 11, 2013, RPM received a call from Mr. ******* disputing the debt and claimed it was fraud. RPM contacted our client, who researched it and recalled the account a few days later. RPM sent a deletion notice to all three major credit bureaus on November 26, 2013. It appears that one or more of the three major credit bureaus did not delete the rating as instructed. RPM resent the deletion notice today through our EOSCAR system. The AUD# is ********.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry ** S******

Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

**** *******

7/20/2015 Billing/Collection Issues | Complaint Details Unavailable
7/16/2015 Billing/Collection Issues | Complaint Details Unavailable
7/16/2015 Billing/Collection Issues | Complaint Details Unavailable
7/7/2015 Problems with Product/Service | Complaint Details Unavailable
7/3/2015 Problems with Product/Service | Complaint Details Unavailable
7/3/2015 Billing/Collection Issues | Complaint Details Unavailable
6/26/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I noticed today that Receivables Performance Management LLC has placed a collection item for $493 on mt credit reports, Receivables Performance Management LLC is in Violation of the Fair Debt Credit Reporting Act (FDCRA) & The Fair Credit Reporting Act (FCRA). § 809. Validation of debts 15 USC 1692g (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. (c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Receivables Performance Management LLC has never contacted me concerning this dedt and is in violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA). Furthermore Receivables Performance Management LLC You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer needed or desired in this matter. 1) You and your organization must CEAST & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state Attorney General's Office. I will pursue all criminal and civil claims against your company. 2) Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future. 3) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle my account with the original creditor, if I ever am able and the statute of limitations hasn't run out.

Desired Settlement: Receivables Performance Management LLC must remove from my ********* ********** * ******* all negative information ASAP for Violating the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA).

Business Response: February 10, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: *******.**********@thebbb.org


Case# ********, ****** ********


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is alleging that RPM violated the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) by reporting this debt to the credit bureau while failing to send the initial dunning letter. He wants a Cease and Desist placed on the account. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ********** **** on December 3, 2014. No contact or communication ever took place. Since the FDCPA requires the initial dunning letter to be sent within 5 days of the initial contact, in this case no dunning letter was required. Especially now that Mr. ******** is requesting a Cease and Desist. Reporting an account to the credit bureau, while it could be construed as an attempt to collect a debt, is not a contact.. RPM does not agree with Mr. ********'s allegation of FDCPA or FCRA violations.

RPM has coded this account as a "Cease and Desist" in accordance with Mr. ********'s request. RPM has also sent a deletion notice to the credit bureau.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for the reply, I will consider the matter closed when the following conditions have been met.

1. My credit monitoring system shows that RPM's negative trade-lines have been removed from ******** ********** * *********

2. I would like a copy of the deletion codes submit requests that have been send to ******** ********** * ******** by RPM.

Thank You,

*******. ********

Business Response:

June 4, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA  98327
 
Email: *******.**********@thebbb.org
 
 
Case# ********, ****** ********
 
 
Dear Ms. **********,
 
I am in receipt of and have reviewed the above referenced third follow up complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is indicating the credit deletion has been removed from ******* and ***** ****** but not from ********. Until the credit deletion is removed from this credit bureau he will not consider the matter closed.  After review of our records I offer the following response on behalf of RPM:
 
As RPM stated in its March 2, 2015 response, RPM sent a deletion notice to all three credit bureaus by the E OSCAR system on February 11, 2015. RPM has no control on how long it takes the individual credit bureaus to remove the information from their files. From Mr. ********’s own statements the deletions were sent to the three major credit bureaus; in his first rejection he stated ******* rating was deleted and then in a latter rejection complaint stated Trans Union was deleted. Mr. ******** does have the right under the Fair Credit Reporting Act (FCRA) to dispute this rating directly to ********.  
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
Henry** *******
Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because:

Again, I want a deletion code sent to ******** and a copy sent to me and the BBB, the item is NOT deleted from ********, very simple!


Sincerely,

****** ********

6/26/2015 Problems with Product/Service | Complaint Details Unavailable
6/19/2015 Billing/Collection Issues | Complaint Details Unavailable
6/16/2015 Billing/Collection Issues | Complaint Details Unavailable
6/16/2015 Problems with Product/Service | Complaint Details Unavailable
6/15/2015 Billing/Collection Issues | Complaint Details Unavailable
6/10/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: receivables performance management got in contact with me by letter cause I owe ****** 750.00 they said I make a payment plan with them to pay ****** back this started mid last year every month I give them a one hundred dollars I send them a check every month which they have been taking out i should only owe ****** 150. but I get a letter this week from *********** *********** saying I still owe 661.13. so I call them they say that they work with ****** and saying I still need to pay I am not happy. so I call ****** to find out which company works with them and how much I still owe. ****** says I still 661.13 and they give me the name and phone number of *********** ***********. by this time I am upset and mad here I was thinking I have been paying ****** back but they are saying no I haven't so what has receivables performance management been doing with the money I sent them which adds up to 500 dollars they are not giving it to ****** and if they don't take checks shouldn't they send it back telling me no give us a money order instead of taking the money out and also giving the money to ******. so I made a payment a plan with diversified where I make 2 payments of 199 then I should be done the manger of *********** *********** said that cause of what happened to me. but I am not happy cause it thought I was almost done paying. something is wrong somewhere. i work part time get paid every two weeks that's a lot of money for me and is hurting me financially and being harmful to my credit. i would like help please and thank you for your time. P.S. i can also send pictures of letters and bank statements.

Desired Settlement: i would like my money back from receivables performance management cause they claimed that threw them i would be paying ****** back and that's not the case cause they having been taking the money out when i send them a check but is it going to ****** NO

Business Response:

May 19, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA  98327
 
Email: *******************thebbb.org
 
 
Case# ********, ******* ******
 
 
Dear Ms. **********,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** is complaining that she had a payment plan with RPM, was paying and then the debt was assigned to another collection agency. She now owes more money and wants to know what happened to the payment made to RPM. After a review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client ****** on October 5, 2014. This ****** account was placed with RPM with the intent of collecting the past due portion of the debt and then re-activating the account. RPM spoke with Ms. ****** who stated she did not want to re-activate, but would pay $100 by check. The balance that was placed with RPM initially was $757.21. Ms. ****** mailed in 5 $100 checks on these dates: October 28, 2014; November 24, 2014; December 26, 2014; January 27, 2015; and March 2, 2015.
 
RPM advised ****** of Ms. ****** stated desire not to re-activate they charged off the remaining balance and forwarded that to RPM in the amount of $403.92. The originally placed balance, the additional charges less the payments left a remaining balance of $661.13. That was recalled by our client on May 4, 2015 since the payments had stopped.  RPM did receive a payment of $100 after the recall by ****** and that was forwarded to ******. Since RPM no longer represents ****** in this matter any future inquiries about the balance, charges, etc. need to be forwarded to ******. RPM does not work with or know anything about a company by the name of *********** ***********.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
***** ** ************* Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because: What happened to the 400 dollars I gave them. They admitted they received my payments.    I WONT MY MONEY BACK!!!!!!!!!!!!!!!1 

Sincerely,

******* ******

Business Response:

May 19, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA  98327
 
Email: *******.**********@thebbb.org
 
 
Case# ********, ******* ******
 
 
Dear Ms. **********,
 
I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** is rejecting RPM’s initial response and wants her $400 returned. After a review of our records I offer the following response on behalf of RPM:
 
RPM received five $100 payments, all freely sent in by Ms. ******, between October, 2014 and March, 2015. As these payments were received, RPM forwarded them to our client ******. A sixth payment of $100 was received in May, 2015, after our client had recalled the account and it was forwarded to ******. RPM can’t comply with Ms. ******’s wishes since these payments were all forwarded to our client and applied to the debt owed. If she wishes to contact ******, that is her privilege.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (**** ********
 
Very Truly Yours,
 
 
***** ** *******
Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because: that's the same as what they said the last time I want my money back plain and simple cause what I sent to them ******  gave to them back and they in turn should give it back to me. stop saying that and just give me my money back.

Sincerely,

******* ******

6/5/2015 Billing/Collection Issues | Complaint Details Unavailable
5/25/2015 Billing/Collection Issues | Complaint Details Unavailable
5/25/2015 Billing/Collection Issues | Complaint Details Unavailable
5/25/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I keep receiving harassing telephone calls when I have told then reputedly to stop calling my telephone. They say they will and they call again the next day. They refuse to tell me what they are calling for .

Desired Settlement: I would like them to remove me from their calling list and if I must be contacted I would like only to be contacted by mail in writing. I want complete documentation of what they are contacting me for.

Business Response:

May 11, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA  98327
 
Email: ******************@thebbb.org
 
 
Case# ********* **** ********
 
 
Dear Ms. **********,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******** is complaining that RPM is continuing to call her home number even though he has asked for all calls to be stopped. He does not know why we are calling in the first place.  After review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client ********* ******** for a debt originally from ******* ********, on May 6, 2015. RPM mailed the original dunning letter, advising Mr. ******** of the creditor, amount owed and his right to dispute under the Fair Debt Collection Practices Act (FDCPA) on May 8, 2015 to the address of ***** **** ****** *** Bakersfield, CA 93312. The telephone number Mr. ******** alleges RPM called, ***** ******** is not even in our system. RPM had two other numbers provided by our client, as good numbers to reach him. RPM began attempting these numbers on May 8, 2015 and the last call attempted was on May 10, 2015, when they were coded as wrong numbers. RPM, adhering to Mr. ********’s request, has coded this account as a cease collection even though the debt continues to exist.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
***** ** *******
Senior Compliance Specialist

5/25/2015 Billing/Collection Issues | Complaint Details Unavailable
5/25/2015 Billing/Collection Issues | Complaint Details Unavailable
5/20/2015 Billing/Collection Issues | Complaint Details Unavailable
5/19/2015 Billing/Collection Issues | Complaint Details Unavailable
5/19/2015 Problems with Product/Service | Complaint Details Unavailable
5/19/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I received a collection letter in the mail on 4/17/15 for an outstanding debt from 2011 that I was told was settled a couple of years ago. They were trying to collect for a company that has merged it's business to another business. I tried to call each day during the listed business hours and either got recordings or a dead line. On 4/23 I finally got a live individual and explained the situation. The phone connection on their end was very poor and had a lot of drop out. I could also here kids playing in the background, to which the employee told me those were her managers. I asked that a dispute be opened regarding this and I was told they could open a dispute. I then asked again about picuilar background noise that normally does not take place in a business office. I believe there is something wrong with this situation and it sounds like a scam. I told them I would file a complaint with the BBB and I would like the account to be disputed. At this point, they hung up. I tried to call back and got no answer. Something is not right here and I believe they are using my identity information for a scam. If this is a legitimate company, I would the the account to be closed immediately due to my settled dispute a few years ago.

Desired Settlement: Please eliminate this account. I was told it was settled a few years ago.

Business Response:

May 4, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA  98327
 
Email: ******************@thebbb.org
 
 
Case# ********* ******* ** ******
 
 
Dear Ms. **********,
 
I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is disputing owing this debt.  After review of our records I offer the following response on behalf of RPM:
 
RPM received this file from our client ***** on December 1, 2014.  When we received notice of the dispute, RPM immediately ceased collection activity, coded the account as a dispute and contacted our client for validation. RPM’s client has investigated and informed RPM that they feel the balance is accurate due to a credit card chargeback in August, 2011. However ***** has decided to credit the account to a zero balance as a courtesy.  
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (**** ********
 
Very Truly Yours,
 
 
***** ** *******
Senior Compliance Specialist

5/19/2015 Billing/Collection Issues | Complaint Details Unavailable
5/19/2015 Problems with Product/Service | Complaint Details Unavailable
5/18/2015 Billing/Collection Issues | Complaint Details Unavailable
5/13/2015 Billing/Collection Issues | Complaint Details Unavailable
5/13/2015 Billing/Collection Issues | Complaint Details Unavailable
5/13/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This company is calling and harassing my 9 year old daughter. When I called the company to advise them of this, ******, the customer service manager hung up on me.

Desired Settlement: I would like for this company to never call my child again!

Business Response: March 18, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: ******************@thebbb.org

 

 

Case# ********, ***** *******

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Ms. ******* against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Ms. ******* is
alleging that RPM is calling her home, harassing her daughter and wants these
calls stopped.  After review of our
records I offer the following response on behalf of RPM:

 

RPM conducted a search of its
business records and can not locate a file for Ms. ***** *******. RPM searched
by name and address. If Ms. ******* will provide the telephone number that RPM
is calling, we can stop the calls and respond to this complaint.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because:  The business is not calling my home phone, they are calling my daughter's personal cell phone looking for someone else.  The phone number that they continue to call is (**** *********

Sincerely,

***** *******

Business Response: April 13, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: ******************@thebbb.org

 

 

Case# ********, ***** *******

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced rebuttal complaint filed by Ms. ******* against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Ms. ******* is
rejecting our initial response that we were unable to locate this file, but did
provide the telephone number RPM was calling, she wants these calls stopped.  After review of our records I offer the
following response on behalf of RPM:

 

RPM received a file from our
client ******** on December 31, 2014 for a consumer that is not ***** *******.
RPM is withholding the name of that consumer so there is no 3rd Party
Disclosure Violation under the Fair Debt Collection Practices Act. Ms. *******
did contact our office on March 16, 2015 and advised RPM to stop calling the
telephone number of (**** ********* RPM placed a Do Not Call code on that
telephone number and has not attempted it since..

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

5/12/2015 Billing/Collection Issues | Complaint Details Unavailable
5/11/2015 Billing/Collection Issues | Complaint Details Unavailable
5/9/2015 Problems with Product/Service | Complaint Details Unavailable
5/8/2015 Billing/Collection Issues | Complaint Details Unavailable
5/8/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Over the last three weeks I have attempted to pay RPM to settle my account. They have taken my payment information 5 times and each time there was an error (on their part) processing the payment. I have been promised by several "managers" that they would follow up with me when the payment went through. Not one person followed up like they said they would. Every three days a representative would call and start from the beginning like I had not been dealing with them. The supervisor I spoke with today states they "write down" credit card numbers instead of putting them in the computer. When you try to return their calls, they pick up and automatically ask to you hold. In the last three weeks of trying to pay RPM, I have spent over 7 hours on hold, spoken to 15 different people,have been transferred over 10 times, and given my credit card (to make payment) 5 times. In this three weeks not one person was able to complete the task and/or follow up with me. They have now sent my name to collections even though I have been diligently following up with them trying to get this resolved. So even though all of the errors for the past three weeks were on their part, I am the one being penalized by being reported collections. This company is a joke to deal with.

Desired Settlement: I am not sure how this may be settled.

Business Response:

May 6, 2015
 
 
 
 
Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA  98327
 
Email: ******************@thebbb.org
 
 
Case# ********, ****** ********
 
 
Dear Ms. **********,
 
I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******** is complaining that she has been trying to pay a Settlement in Full (SIF) and RPM continues to take the necessary information but not process it. She has been on hold, it is RPM’s error and now RPM has reported this account to the credit bureau.  After review of our records I offer the following response on behalf of RPM:
 
Ms. ******** and RPM did enter into a SIF agreement and due to coding issues that have been repaired the payment was not able to be processed for too long a period of time. This was RPM’ error and we apologize. That issue has been corrected and the SIF payment processed. It was not processed prior to the account being contractually reported to the credit bureau. However RPM sent a correction to the credit bureau on May 3, 2015. The account is not coded as a SIF.   
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********
 
Very Truly Yours,
 
 
***** ** *******
Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** ********

5/4/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have Disputed a claim against me back in January. It's past the 30 day that the FDCPA states at this point the claim is invalided and the so called claim is still effecting my credit report. I spoke with a person that stated mt claim well be deleted on February 25th. I called back and spoke with the same person at that point she changes her story and told me there was nothing she can do about it.

Desired Settlement: DesiredSettlementID: Other (requires explanation) This claim should be closed out asap and a closed letter should be sent to my email at ********@icloud.com

Business Response: March 10, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: *******.**********@thebbb.org

 

 

Case# ********, ******
*********

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Mr. ********* against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Mr.
********* is disputing this debt, claims he sent a request for validation over
30 days ago and there has been no response. He wants this off his credit. After
review of our records I offer the following response on behalf of RPM:

 

RPM is unable to locate a
file in the name of ****** *********. RPM conducted a business records search
by name, address and e mail address. RPM is not stating Mr. ********* does or
does not have an account at RPM, we are just unable to locate it with the demographic
information given. If Mr. ********* will provide additional information: social
security number, telephone or an old address (if applicable) RPM will search
its records further.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because: telephone number is ************ and address is ****** **** ****** ***** **** ny 11416

Sincerely,

****** *********

Business Response:

Based upon the information provided by Mr. *********, RPM located an account allegedly owed to **** ****** *****. To date, **** ****** ***** has not provided verification of the debt. As a result, RPM is requesting that the account trade-line be removed from Mr. *********'s credit history. If and when verification is provided to RPM, it will be forwarded to Mr. ********* for review.

If you have further questions feel free to contact me directly at (**** *********
Very Truly Yours,
**** ** ****
Director of Compliance & General Counsel

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** *********

5/3/2015 Problems with Product/Service | Complaint Details Unavailable
5/1/2015 Billing/Collection Issues | Complaint Details Unavailable
4/23/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I received a letter from RPM(Receivables Performance Management,LLC) dated 03/18/15. I was instructed to contact them about an outstanding debt from **** ********* I called and **** answered the phone and told me it was on a recorded line. I began to explain that this debt was not correct and she hung up on me. We live in a motorhome and the original account with **** was a PAY AS YOU GO account. Meaning that we were on a month to month contract and if we didn't use the network, they would turn it off and only charge us when we reconnected. We had explained this to **** ******* and thought it was taken care of. We have not used **** ******* for months. After **** hung up on me,I called back and she answered again, this time she transferred me to a voicemail that stated they were not available. I then called back and **** answered again and told me that if I was done yelling at her we could continue the conversation. I explained that I had not yelled and I need to talk about this notice and she hung up on me again. I called back and a gentleman answered I tried again to explain the situation and he hung up on me. I am placing this complaint because I could not get anyone at this business to listen to me and resolve this issue. They were very rude and the conversations, according to them are recorded, if you want to check you can hear that I am not yelling I did not raise my voice and all I wanted was help. Please help me, this is not my debt and they should not be able to get away with this conduct.

Desired Settlement: I would like this debt taken off my record, a receipt that this has been done and an apology issued in writing from this business. This is a sham and they should not be allowed to bully people. If it is not resolved I will seek more satisfaction by obtaining counsel.

Business Response: April 3, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: ******************@thebbb.org

 

 

Case# ********, ******* **
******

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Ms. ******  against Receivables Performance Management,
LLC (RPM). RPM is a licensed third party collection agency operating in all
fifty states and the District of Columbia. Ms. ******  is alleging that she paid the debt to **** and
disputes owing anything else. She also is complaining that when she called RPM,
we hung up on her. After review of our records I offer the following response
on behalf of RPM:

 

RPM received a file from our
client **** on March 15, 2015. RPM's business records indicate only one inbound
call, March 28, 2015, that ended with a can't pay right now code. RPM's
business records indicate several outbound calls: March 18; March 22; March 26;
and March 31, 2015 that indicate the consumer hung up on RPM's representative.
RPM upon notice of the dispute ceased collection activity, coded the account as
a dispute and contacted our client. **** has recalled the account and RPM no
longer represents **** in this regard.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

4/12/2015 Billing/Collection Issues | Complaint Details Unavailable
4/11/2015 Billing/Collection Issues | Complaint Details Unavailable
4/11/2015 Billing/Collection Issues | Complaint Details Unavailable
4/9/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company has called and hung up in my ear, and even after being told I was not the person they asked for, they hung up on me, and decided that they should keep calling. It's quite frustrating.

Desired Settlement: I would like them to stop calling me.

Business Response: April 1, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: *****************************

 

 

Case# ********, ********* ***
**********

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Ms. ********** against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Ms.
**********  is alleging that RPM
continues to dial her home number even after being told this is a wrong number.
She wants the calls to stop.  After
review of our records I offer the following response on behalf of RPM:

 

RPM received a file for a
consumer, with the same last name as Ms. **********, from our client ******* on
March 23, 2015. That client provided the telephone number ***** *** **** as a
good number to reach this consumer. RPM began attempting to contact our
consumer without success until March 30, 2015, when we were advised this was a
wrong number. RPM marked that telephone number as a "Wrong Number"
and have not attempted it since. RPM apologizes to Ms. ********** for any
inconvenience we may have caused her.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********
 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

********* **********

3/28/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This agency was hired to collect a debt by ****, they collected the debt and never passed the money onto ****. This debt was in my daughters name ****** *******, I paid the debt as we fell behind due to my hospitalization and lost of wages. I paid this in a debt consolidation through **** *** services and they have provided the check numbers, date the checks cleared the bank and now the copies of the checks. This debt is from 2012 and has affected my daughters credit ever since, enough is enough. I have reported the agency in California and BBB here was told they were contacting us which never happened to date. **** says we have to work it out with RPM which seems impossible. I need help and cant understand how this is allowed to happen to someone when we have proof it was paid. Product_Or_Service: ***

Desired Settlement: DesiredSettlementID: Other (requires explanation) Remove the negative remarks from my daughters credit, make the account current and no money due. Lastly, a letter to **** and my daughter stating this was paid in 2012 and this is their error.

Business Response: March 11, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

****** *****************************

 

 

Case# ********* ***** *****

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by *** *****  against Receivables Performance Management,
LLC (RPM). RPM is a licensed third party collection agency operating in all
fifty states and the District of Columbia. *** *****  is claiming that RPM is trying to collect a
debt in her daughter's name that has already been paid. .  After review of our records I offer the
following response on behalf of RPM:

 

RPM can not discuss a debt
owed by someone to a third party. That would be a violation of Third Party
Disclosure under the Fair Debt Collection Practices Act (FDCPA). Our client
**** did send a file in January, 2012 in the name of ****** *******,
however they recalled it in November, 2012.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

3/21/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have a collection account with ******* that was sent to this office. I called on 2/20/2015 to settle the account for 210.00. I made the payment and was told that this account would report a zero balance. I called to have a paid letter sent to me. I was told that I had to wait for the computers to update. Also I had to call ******* to make sure the settlement was accepted with *******. I called ******* and they told me that was not true. This company needs to report tho ******* that I made the payment. The money has been taken out of my account.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would just like this account to report as paid. I would also like a paid letter sent to me.

Business Response: March 6, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: *****************************

 

 

Case# ********* ****** *****

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Ms. ***** against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Ms. ***** is
complaining that she settled this account in full (SIF) and asked for a paid
letter. She states RPM told her she needed to wait and when she called *******
they told her the payment was not accepted.  After review of our records I offer the
following response on behalf of RPM:

 

RPM did negotiate a SIF with
Ms. ***** and it was paid on February 21, 2015. RPM's policy is to wait two
weeks to make sure the payment isn't returned as insufficient funds or any
other reason for the payment to not clear the bank. Ms. ***** was told of this
2 week delay on February 27, 2015. A SIF letter is being sent to her at this
time. RPM was not a party to her conversation with *******, so we really can't
comment on it, except to say her debt has been settled.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at (**** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

3/18/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Had an issue with ******* ********. Went to court against ******* ******** in Oct of 2014. I presented my case as did ******* ********. I prevailed and was awarded over $1300 that ******* ******** paid. I informed Receivables Performance Management, LLC of the court case and that not only did I not owe anything but had received payment for the judgement from ******* ********. The representative stated that it did not matter and that they were going to continue to attempt collection of the debt that the courts have already found invalid

Desired Settlement: I have filed another case against ******* ******** and Receivables Performance Management, LLC. If they would like to settle prior to the court date they can do so by payment of $2000 and to stop all action of collection on this invalid debt.

Business Response: March 11, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

****** *****************************

 

 

Case# ********, ******
********

 

 

Dear *** **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Mr. ******** against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Mr. ********
 is disputing this debt and claims he
sued our client over this and won a judgment.   After
review of our records I offer the following response on behalf of RPM:

 

RPM can not locate a debt
placed here under the name of ****** ********. RPM did receive a business file
from our client ******* ******** on January 2, 2015 under the name of ******
*********. RPM mailed the initial dunning letter to this business on January 4,
2015 to the address of **** *** ****, Layton UT 84041. Upon notice being
received of a dispute, RPM immediately ceased collection activity, coded the
account as a dispute and notified our client. We are waiting for either a
response from our client and or validation. When it is received, RPM will
forward that validation to ****** *********.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at (**** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** ********

3/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a letter from this company stating that I owe money to someone and they are investigating it. That is the only information given and I have no idea what they are talking about.

Desired Settlement: To be removed from their mailing list and get this off my record.

Business Response: February 17, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: *****************************


Case# ********, ******* *******


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* stated he received a letter from RPM stating he owed us money, did not know anything about it and wants all mail to stop. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client **** on August 4, 2014. The only mail that RPM has sent out was the initial dunning letter, advising Mr. ******* of the creditor owed, the amount which is $15.15, RPM's address and his right to dispute under the Fair Debt Collection Practices Act (FDCPA), on August 6, 2014 to the address of **** **** ***** *** * *****, Dallas TX 75287. Pursuant to Mr. ******* request for no further mail, that has been stopped. If Mr. ******* wishes to pay this debt owed, he can call RPM's escalation department at ***** ********.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
This is not the amount that was on the notice. My **** ******* bill was paid in full at the time I moved. This company has misrepresented itself by giving two different amounts. I am NOT mr. *******. I do not know a MR. *******

Business Response: Apparently RPM made an error in transposing ******* ********* name to ******* ******* in our response. I apologize for that error. This account has been recalled by our client as of February 20, 2015 and RPM closed its records and returned the file.

3/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am a victim of identity theft. This agency IS ATTEMPTING TO COLLECT A DEBT THAT WAS A CLEAR CASE OF IDENTITY THEFT.

Desired Settlement: Remove all information regarding this account and removing said account from all three credit reporting agencies

Business Response: February 10, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: *****************************


Case# ********, ****** ****


Dear *** **********,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. **** is alleging he was a victim of identify theft and this debt is not his. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ********** **** on December 3, 20**. Upon receipt of the dispute letter, claiming fraud, RPM immediately ceased collection activity, coded this account as a dispute, contacted our client for validation. Our client has researched the account and there is no indication of fraud activity on this account. Our client specifically states, "This account was opened with us on 10/19/2010 and closed on 3/**/2011. The account was also combined billed with the customers landline account ****************. The customer also visited our store on 1/6/2011 to change their rate plan...Customer said he thought he had more than 600 mins. He was very upset about the overages and upgraded his plan to **00mins I issued a one-time credit of 162.65. Customer now understands how to check his minutes."

If Mr. **** is still alleging fraud, he needs to send RPM the complete police report. The one he originally faxed RPM, we only received his hand written page and approximately 1/3 of the first page of the police report.
.
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
ON JANUARY 29,2015, I FAXED A COPY NUMBERED **-****** CENTERVILLE POLICE (FROM OHIO) REPORT TO A NUMBER PROVIDED TO ME (* *** *** ****) AFTER I HAD
KNOWLEDGE OF THIS COLLECTION ACCOUNT (********). I AGAIN FAXED THIS SAME POLICE REPORT ON FEBRUARY 17,2015, TO * *** *** ****.
RPS,LLC IS ATTEMPTING TO COLLECT A DEBT THAT IS A CASE OF IDENTITY THEFT OPENED IN OCTOBER 2010.
I WAS NOT RESIDING IN OHIO DURING THE TIME THIS ACCOUNT WAS OPENED BUT WAS RESIDING IN ARIZONA. WHILE AT ONE TIME WHEN I WAS IN POSSESSION OF ON OHIO DRIVERS LICENSE SURRENDED IN THE YEAR OF 2010 IT WAS MANITORY THAT YOUR SSN WAS PRINTED ON SAID OHIO LICENSE. IT WAS DURING THIS TIME THAT MY BILFOLD WAS LOST/STOLEN AND WITH ALL IDENTIFICATION INFORMATION ON THE OHIO DRIVERS LICENSE. IT DURING THIS TIME THAT I WAS A VICTIM OF IDENTITY THEFT.
THIS COLLECTION AGENCY, RPS,LLC HAS NOT PROVIDED ME WITH ANY PHOTO I.D. USED TO OPEN THIS ACCOUNT AND HAS NOT PROVIDED ANY DOCUMENTATION WITH A SIGNATURE LINE TO COMPARE.
UNDER THE FFCRA THIS ACCOUNT WAS TO PROVIDE A THIRTY DAY PERIOD OF TIME TO VALIDATE THIS ACCOUNT.
THIS ACCOUNT WAS NOT VALIDATED, HOWEVER WAS JUST REPORTED TO THE CREDIT REPORTING AGENCIES REDUCING MY FICO SCORE.
I ASK THIS ACCOUNT BE REMOVED FROM THE THREE MAJOR CREDIT REPORTING BUREAS AND THAT RECEIVABLES PERFORMANCE MANAGEMENT,LLC HAVE NO FURTHER CONTACT WHATSOEVER WITH ME AGAIN.
THIS COLLECTION ACCOUNT DOES NOT BELONG TO ME NEVER HAS/NEVER WAS.

Business Response: March 4, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: *****************************

 

 

Case# ********, ****** ****

 

 

Dear *** **********,

 

I am in receipt of and have
reviewed the above referenced rebuttal complaint filed by Mr. **** against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Mr. **** is
continuing to allege this debt is fraud and has faxed a copy of the police
report to RPM.  After review of our
records I offer the following response on behalf of RPM:

 

RPM received this file from
our client ********** **** on December 3,  20**. Our client continues to believe this is
a valid debt, however in order to bring closure RPM has sent a deletion notice
to the three major credit bureaus as of February 11, 2015. RPM has ceased all
collection activity.

.

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

3/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Received a call from ************ from a person identifying himself as ******* (last name could not be understood due to heavy accent) and said the call was being recorded. Said he was with Receivables Performance Management and proceeded to recite my name, address and social security number saying he needed to verify that he was speaking with the correct person. Said he was on a recorded line. Told me that I have a balance of $69.70 in collections from **** ****** ***** and asked for payment via credit/debit card. After debate of legitimacy of the call, I asked for the contact information of the company and he would not give it to me. Continued to raise his voice and talk over me citing several different legal rights and reasons for his call. I asked for verification of the debt in writing either via email or US mail and he again continued talking over me, not producing any verification of his company. I asked for the website of the company and he started reciting "www." but did not complete and told me I could find it on Google. I told him I would call **** ****** ***** Monday during business hours and he proceeded to tell me that he was giving me all of the information and that no one at **** ****** would talk to me. He stated I was refusing to pay a debt and again failed to provide information to confirm legitimacy of the call. I told him that I do not recall having a balance after cancelling service. He said that I could send him verification of having paid the debt, however when I told him that he had provided no contact information to even send verification to, he began reciting random letters and phrases to either someone in the background or just merely for effect. Eventually got another person on the line who announced herself as ******** ******* who continued to talk over me citing regulations allowing her to ask for my personal information. I asked several more ****s for the company contact information and web site, during which, she talked over me repeating regulations allowing for her to collect my personal information. Eventually when I told her that she has continued to avoid my request for the company contact information, she hesitantly and reluctantly provided the following information, several ****s stuttering and correcting herself: Receivables Performance Management * * *** ***** Lynnwood, WA (no zip code offered) ************ www.***********************com I thanked her and ended the call. Entire phone call was extremely convoluted. I checked all three of my credit reports approximately 1 hour later and there is no such debt or any information pertaining to **** ****** ***** or Receivables Performance Management listed.

Desired Settlement: Desired Resolution: I would like this company investigated. I would also like this instance to be noted in the event that my identity has been compromised, and any further communication from the company identified, individuals involved or any of the company's affiliates to cease contact immediately.

Business Response: February 17, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: *****************************

 

 

Case# ********, ******
**********

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Ms. ********** against
Receivables Performance Management, LLC (RPM). Ms. ********** states that
during a telephone call she received from RPM, the representative was evasive
and rude. Ms. ********** requests that RPM cease all further communication with
her.  After review of our records and
call recording I offer the following response on behalf of RPM:

 

RPM received Ms. **********’s
**** ****** ***** account for collection on January 19, 2015. The first record
of contact on the account occurred during a telephone call on February 8, 2015.
I have personally reviewed a recording of the call and RPM’s representative
failed to deliver a level of customer service in line with our policies,
procedures, and company values. At the outset of the call there were issues
completing the authentication process which RPM uses to confirm a right party
contact and prevent a third party disclosure in violation of §805 of the Fair
Debt Collection Practices Act (FDCPA). As Ms. ********** pointed out, there may
have been some language issues which contributed to this. On the call, Ms.
********** stated that she was unfamiliar with the balance allegedly owed to
**** ****** ***** and that she would contact the creditor directly. RPM’s
representative attempted to point out that since the account had been assigned
to RPM for collections that **** ****** ***** would likely direct her back to
us. This message could have been conveyed better. RPM’s representative advised
Ms. ********** that she could send our office a letter requesting verification
of the debt, however failed to provide her with our address or website address
where she could send an email requesting the same. In sum, the level of
customer service provided to Ms. ********** fell below RPM’s expectation of
behavior and performance.

 

The representative involved
was suspended without pay for five days and meet with myself and our CEO before
being allowed back to work. The representative is being closely monitored by
RPM’s Compliance Department to ensure that he is providing a superior level of
customer service when speaking to consumers. 
In addition, I have personally updated and distributed reference sheets
at every collector workstation containing information commonly requested by
consumers to prevent this situation from occurring again.

 

RPM appreciates the
opportunity to resolve this matter and sincerely apologize to Ms. **********
for her experience with our organization. Pursuant to her request, RPM has
ceased all further attempts to contact her. RPM has also reached out to ****
****** ***** on Ms. **********’s behalf and will provide her with verification
of the balance as soon as it is provided by our client. If Ms. ********** has
any further questions or concerns regarding this matter or the underlying
account I invite her to contact me directly at ***** *********

 

Very Truly Yours

 

 

**** ** ****

Director of Compliance &
General Counsel

3/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am in the process of refinancing my home when a debt to this company came up. I was unaware of any said debt and contacted both companies immediately to get detailed information regarding to it. ******* is the company the debit supposedly came from. 3 of their operators confirmed my account closed at a $0 balance in November of 2014. They were ******, operator ID ***, ***, operator ID *** and a third that refused to give me his information. I then contacted RPM to get detailed information. They were also unable to provide me any evidence that I owed them money outside of ******* sending it to them. ****** ***** and ***** **** were my contacts here. How was I sent to collections without any prior notice of it happening? No one can answer this question or detail the amount owed from either company. ***** told me to open a dispute which may take up to 2 months for any kind of a response no less a solution. I do not want this hitting my credit and moving into the 30-60 or 60-89 categories. I have worked very hard to correct my score and am fuming that this has without my knowledge.

Desired Settlement: I want my information correct immediately to avoid any further penalty to my credit score.

Business Response: February 23, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: *****************************


Case# ********, *** *******


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* is disputing this debt and alleging that RPM never contacted him by mail yet reported this debt to the credit bureaus. . After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******* on December 1, 2014. RPM mailed the initial dunning letter, advising Mr. ******* of the creditor, amount owed and his right to dispute under the Fair Debt Collection Practices Act (FDCPA) to his e mail address on December 3, 2014. Upon notification of a dispute, RPM immediately ceased collection activity, coded the account as a dispute and contacted our client for validation To date our client has not provided the validation. When our client does provide the validation, those documents will be forwarded to Mr. ******* for his review.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
I did not receive any such email. Please provide proof of how you obtained my e mail as well as the transcript for its delivery. I would also like to know who gave you authorization to contact me electronically as only point of contact.

Business Response:

March 3, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: *****************************

 

 

Case# ********, *** *******

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Mr. ******* against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Mr. ******* is
disputing this debt and alleging that RPM never contacted him by mail yet
reported this debt to the credit bureaus. .  After review of our records I offer the
following response on behalf of RPM:

 

RPM received this file from
our client ******* on December 1, 2014. RPM mailed the initial dunning letter,
advising Mr. ******* of the creditor, amount owed and his right to dispute
under the Fair Debt Collection Practices Act (FDCPA) to his e mail address on
December 3, 2014. Upon notification of a dispute, RPM immediately ceased
collection activity, coded the account as a dispute and contacted our client
for validation A copy of Mr. ********* last statement is being mailed to him
now. The balance due is for prorated service up to the cancellation date and a
unreturned, leased modem.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

3/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: RPM is listed on my credit report as being the third party collection agency handling a debt in my name with **** ******. I have since contacted **** ****** which states that I have no account in collections with RPM yet it was reported to the credit bureaus and have dropped my credit score significantly.

Desired Settlement: To be removed as an account in collections from my credit report.

Business Response: March 2, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

****** *****************************

 

 

Case# ********, ******
*******

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced complaint filed by Ms. ******* against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Ms. ******* is
alleging that RPM reported a negative credit bureau rating while RPM's client,
**** ****** *****,  is telling her she
doesn't owe a balance. She claims our client told her no file has been placed
with RPM.  After review of our records I
offer the following response on behalf of RPM:

 

RPM received this file from
our client **** ****** ***** on September 2, 2014. The first contact with Ms.
******* was on February 23, 2015, at which time she requested an e mail from
RPM so she could pay. That same day, Ms. ******* contacted RPM, through our web
portal, stating she would resolve this directly with **** ****** *****. RPM has
heard nothing else until receiving the complaint from your office. Upon receipt
of the dispute, RPM immediately ceased collection, coded the account as a
dispute, and contacted our client for validation. When our client does provide
the validation, those documents will be forwarded to Ms. ******* for her
review.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

3/11/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a ****** account that was sent for collections with RPM. I spoke to the representative there and she informed me that they would be able to take a payment for less and my cell phone services would resume in 24 hrs. i then called ****** to confirm this information for which they stated that i was not qualified for a discounted rate, i would have to pay the bill in full to resume services. I then called RPM back and spoke to a representative;; and told her that i would be dealing with ****** directly and i DO Not authorize any charges be taken from my account to which they guaranteed that they noted the account and no monies would be taken. I checked my account the next day and they stole the money anyway. i called another representative in the am and spoke with her to which she assured me that the refund would be processed right away and that i could call back when her manager was in. I called back and the gentleman was rude, he kept putting me on hold, when i would try to call back i was hung up on multiple times. the last call i made he answered the phone and put me on hold right away. the customer service reps are appalling. this company needs to be shut down.

Desired Settlement: i want my 340.23 back in my account in 24 hrs plus the 35.00 overdraft fee that i incurred.

Business Response: February 25, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: *****************************


Case# ********, *** ******


Dear *** **********,

I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ****** is alleging that RPM processed a "check by phone" payment without authorization, lied to her and when she called RPM to complain our representative was rude. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ****** on January 30, 2015. ****** has authorized RPM to settle certain accounts for less than the full balance and ****** will reactivate the consumer's service. This was proposed to *** ****** during a conversation on February 10, 2015 at approximately 2:14P.M. She agreed and gave verbal authorization for RPM to process a "check by phone" that day. She called RPM that same day at approximately 6:45P.M. to cancel the payment, however it too late to stop the payment from being processed by our accounting department. *** ****** wants her payment refunded, which has been done, and reimbursed for a $35 overdraft charge. RPM did nothing wrong, however to maintain good relations with our client's consumer, RPM will refund the amount if she will send proof (copy of her bank statement) showing the $35 overdraft charge. She can send it to:
RPM
c/o Escalations Department
P.O. Box ****
Lynnwood, WA 98036
RPM was unsuccessful in retrieving the telephone recording of this conversation. If our representatives were rude, RPM apologizes.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

3/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have an outstanding debt to this company/ ******** showing up on my credit report. Upon contacting the above collection agency, they state that no active account exists for me, and ** ****** currently shows my account in good standing with no balance currently in collection.

Desired Settlement: Please remove from my credit report

Business Response: February 18, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: *****************************


Case# ********, ***** *****


Dear *** **********,

I am in receipt of and have reviewed the above referenced complaint filed by *** ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ***** is disputing the debt and wants the negative report removed from his credit bureau file. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******** *** on October 29, 2014. RPM mailed the initial dunning letter, advising *** ***** of the debt, creditor, amount owed and his right to dispute under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ** ***, Duluth MN 55807 on November 1, 2014. When RPM received notice of the dispute, in February, 2015, we immediately ceased collection, coded the account as a dispute, and contacted our client for validation. RPM just received the report of our client's investigation. While they feel the charges are valid, in an effort to resolve the complaint, ******** has credited the account. The balance is now zero. I have instructed our IT Department to notify the credit bureaus to delete RPM's earlier reporting.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

3/10/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: The account they have contacted me is not my account and I have disputed the account in writing. However, they have not corrected the error and have placed it on my credit report.

Desired Settlement: I am requesting that they correct their error and remove any information reported form my credit reports.

Business Response: January 12, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: ******************@thebbb.org


Case# ********, ****** ******


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is disputing the debt and wants RPM to remove the negative rating previously reported to the three major credit bureaus. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******* on September 9, 2014. RPM mailed the initial dunning letter, advising Mr. ****** of the balance owed, the original creditor and his rights under the Fair Debt Collection Practices Act (FDCPA), to the address of *** ****** **** **** Dora MO 65637 on September 11, 2014. When RPM received the dispute in December, we immediately ceased collection, coded the account as a dispute and contacted our client for validation. RPM has received a response from our client and forwarded that validation letter and breakdown of charges to Mr. ******. Since that debt is now validated, the correct credit bureau rating does not need to be removed.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
My name is not ******. Our name is ******. I do not know a ****** ******, which is why I disputed the INVALID debt in the first place. We do plan to seek legal counsel and will be requesting legal fees in addition to damages as the invalid debt is affecting our credit and creating a hardship on us. We have given you and the alleged creditor the chance to correct it to no avail. Apparently, legal action is the only course of action we have at this point. In the meantime, I am requesting that you provide me with written documentation, not a printed bill which could be prepared under anyone's name; rather an actual contract for services for the alleged account in question that includes a name and social. I expect to receive that within the next 30 days as required by law.

Business Response: January 26, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: ******************@thebbb.org


Case# ********, ****** ******


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is disputing the debt, is threatening to file suit because apparently because we have his name spelled ******. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******* on September 9, 2014, with the name spelled ****** ******. Our client provided the last four digits of his social security number as ****. Assuming that we have the correct consumer, we apologize that the last name provided by our client was misspelled. That can be corrected.

When the debt was disputed; RPM ceased collection activity, coded the account as a dispute and provided the validation documents and explanation letter our client provided. If Mr. ****** is alleging we are contacting the wrong person, please let RPM know. If Mr. ****** now wishes to pay this verified debt, he can call our escalations department at ***** *********

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
The only "validation" ever received was a statement showing the name ****** ******. We do not have and never have had ****** ** which is why we have disputed this account.

I AM DEMANDING YOU SEND A COPY OF A CONTRACT, ETC ALLEGEDLY SIGNED BY ME AS I HAVE NOT HAD THEIR SERVICES.

A printed "statement" is not acceptable, which is what you provided. I am again requesting a copy of a contract as well as an Affidavit of Assignment assigning the alleged debt to your office. I expect to receive same within the next 30 days.

Business Response: February 11, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: ******************@thebbb.org


Case# ********, ****** ******


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** is now alleging that the validation was insufficient and he is demanding more documentation to prove the debt. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client ******* on September 9, 2014, with the name spelled ****** ******. Our client provided the last four digits of his social security number as 7940. To date Mr. ****** has not acknowledged if this is his social security number and the client simply misspelled his last name or if this is another person entirely. Assuming that we have the correct consumer, we apologize that the last name provided by our client was misspelled. That can be corrected.

RPM has sent the proper validation, as provided by the client. If we are dealing with the correct Mr. ******, it appears that RPM will not be able to satisfy Mr. ******. The account is marked as disputed and we have ceased all collection activity..

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


***** ** *******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
I have repeatedly requested that RPM send me PROPER validation to include a contract and assignment. However, they have failed and refused to provide the requested documentation. I suspect the reason being because it doesn't exist. This isn't just a simple mistake of misspelling a name. We do not do business with ******** and that is why I have disputed the validity. I am YET AGAIN requesting a copy of the contract I supposedly signed as well as the affidavit of assignment. All legitimate accounts should have both documents available.

Business Response: March 4, 2015

 

 

 

 

Better Business Bureau

1000 Station Dr. Ste 222

DuPont, WA  98327

 

Email: ******************@thebbb.org

 

 

Case# ********, ****** ******

 

 

Dear Ms. **********,

 

I am in receipt of and have
reviewed the above referenced rebuttal complaint filed by Mr. ****** against Receivables
Performance Management, LLC (RPM). RPM is a licensed third party collection
agency operating in all fifty states and the District of Columbia. Mr. ******
continues to allege that the validation provided was insufficient and he is
demanding more documentation to prove the debt.  After review of our records I offer the
following response on behalf of RPM:

 

RPM received this file from
our client ******* on September 9, 2014, with the name spelled ****** ******. Mr.
****** has never admitted that this is him or it is someone else. RPM has sent
the proper validation, as provided by the client. If Mr. ****** does not wish
to accept it, that is his prerogative. The account is marked as disputed and we
have ceased all collection activity. RPM deleted the negative credit bureau
reporting as of February 5, 2015.

 

RPM appreciates the
opportunity to resolve this complaint. If you have additional questions
regarding our handling of this matter I can be reached at ***** ********

 

Very Truly Yours,

 

 

***** ** *******

Senior Compliance Specialist

Consumer Response:  
Complaint: ********

I am rejecting this response because:

Contrary to your statement, I have repeatedly stated that this is not my account. I will agree that you have finally ceased collection efforts and removed the false information from my credit file. You have, however, failed to provide any kind of authentic verification as requested numerous times. My assumption would be because it does not exist as this is not my account. I do appreciate you removing the false information from my credit file. I hope that this will resolve the dispute. ******* needs to correct their records to avoid the same issue arising in the future. Please advise your client that I am requesting that they too correct their records to prevent further issues in the future. I understand that you have no control over ******* but would request that you pass our request along to your client. Thank you for your assistance.


Sincerely,

****** ******

3/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a attempt to collect from **** ***. The company that turned it over - I have been disputing with them. So I called the number that was on the letter to add my dispute. Upon calling Feb 10, 2015, Representative ******* asked me what I wanted. I stated I wanted to add notes to dispute this collection from *******. The amount turned over was an Early Termination Fee on my internet. ******* stated it was not ETF that it was an unpaid service bill. I told him no *******, it was an ETF and **** knows I am not paying it. He advised me to do some research that **** ** and ******* are 2 different companies and I owe **** **. I informed him that was incorrect and to quit being rude. He laughed at me and said ok your not paying it and is that it. I told him no- I wanted him to include on my acct it is an early Termination fee. As I was stating this HE HUNG UP on me. I called back and asked why he hung up on me. He asked me what I wanted. Really! I told him I wanted him toad it was an early termination fee. He said he added it and hung up. Later today I decided to call and verify the notes were included on my acct from earlier today. Called 2x and both times when I gave them my name and needed to check on my acct and the disputed notes they hung up on me. I called the escalation dept. Spoke to a man. Sounded out of breath and like I interrupted something. Told him I had called 2 x with reps hanging up on me and I was just wanting to check on my acct and the notes on it from earlier today. He told me he was sure the notes were added. I asked him does his company do business like this. That I tried to file a complaint on their web site and it kept throwing an error. He then asked for my name. He said it did have the ETF. Then asked what am I complaining about. Told him about *******. He said he would pull phone conversation and if needed to be turned over to ******* supervisor. I requested that I get a call after they listen to the recorded conversation. This company is a joke.

Desired Settlement: They train their employees on how to handle calls. Learn to not hang up on people and know that we are all not dead beats. Some of us do care about our credit report and just want the right to explain and have information included on these collections.

Business Response: Case# ********, **** *****


Dear Ms. **********,

To Whom It May Concern,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). Ms. ***** disputes owing a debt RPM has attempted to collect on behalf of **** and believes RPM's representatives were evasive and rude. Ms. ***** further states that she was unable to submit a complaint via RPM's website complaint portal and requests to request that RPM provide consumers with the "reason why you are not paying to what you are paying" on their accounts. I am unclear what the request pertains to, however after review of our records and call recording I offer the following response on behalf of RPM:

RPM received Ms. *****'s **** account for collection on February 3, 2015. Pursuant to §809 of the Fair Debt Collection Practices Act (FDCPA), RPM mailed Ms. ***** a notice advising her of the creditor, amount owed, and her rights under the FDCPA. RPM's business records reflect contact with Ms. ***** on February 10, 2015.

I have reviewed a recording of the call in which the discussion centered on whether the balance on the account was owed to **** ******* (**/Satellite service provider) or ******* (internet service provider). Ms. ***** was adamant that the balance was an early cancellation fee owed to *******; however RPM's representative attempted to explain that the account listed in our office for **** *******, not *******. RPM's representative also attempted to explain that ******* and **** ******* were two separate companies under the **** brand. Ms. ***** refused to accept this explanation and continued to insist that the bill was owed to *******. RPM's representative politely stated that he would notate the account and ended the call. Ms. ***** immediately called back and stated she had more to say. RPM's representative asked her what that was; Ms. ***** wanted to know how the account would be notated and stated she wanted it to reflect that the balance was owed to ******* and was for an early termination fee and in dispute. RPM's representative stated that was exactly how the account was notated and that it was marked as disputed. Ms. ***** stated "I do appreciate it" and ended the call. At no time was any obscene or abusive language used on the call.

In light of the verbal dispute, RPM ceased further attempts to contact Ms. ***** regarding the debt, however received several subsequent calls from Ms. ***** requesting to know how her account was notated by this representative and that she wished to file a complaint against him. Ms. ***** was advised that her account was placed in dispute status and that RPM would review a recording of the call and take action if warranted in response to her complaint.


With respect to the underlying dispute, **** provided the attached account statement from February 2015 and advised the account they placed with RPM for collection was a **** ******* account and consisted of two early termination fees. **** has agreed to waive those fees in an effort to resolve Ms. *****'s complaint.

RPM's representative was addressed and coached on how to better service a frustrated consumer. I do not believe the representative's actions violated any law or warrant any further action. However, RPM will continue to monitor this representative and ensure that he is respectful and compliant to each consumer he speaks with.

RPM appreciates the opportunity to resolve this matter and apologize to Ms. ***** for her experience with our organization. As previously stated, the account has been credited by **** and shows a $0 balance. If Ms. ***** has any further questions or concerns regarding this matter I invite her to contact me directly at ***** ********.

Very Truly Yours


**** ** ****
Director of Compliance & General Counsel

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

**** *****

3/6/2015 Billing/Collection Issues | Complaint Details Unavailable
3/6/2015 Problems with Product/Service | Complaint Details Unavailable
2/25/2015 Billing/Collection Issues
2/24/2015 Billing/Collection Issues
2/24/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My account with DISH network was sent to Receivables Performance Management(RPM) when I lost my home and they would not take payments on the disconnect fee. I spoke with RPM in October on recorded lines, and they told me that if I set up auto-payments to come directly from my bank account, that this would not be reported on my credit report at all. I set up 4 months of auto-payment and then paid off the remaining balance off on 2/5/15. A week later I check my credit score and RPM has reported an open collections account. I called and spoke with representative Brandon ***, who tells me it was reported because my last payment declined. I checked my bank statement and called the bank right after, and they confirmed that the payment had been taken out of my account as of 2/9/15. I call RPM back and inform them of this and Brandon tells me has already sent another payment request on my debit card! I demanded a manager, and for the last two days I was transferred from person to person, put on hold for hours at a time, and hung up on repeatedly. I finally spoke with Kimberly in the Escalations department of RPM, who tells me to fax a copy of my statement, which I did. They then tell me that I was correct, but that they could not stop the payment and I would have to call DISH directly. I hung up and called DISH , who have no record of the second charge, so now I have no idea What this Brandon *** has done with my credit card numbers

Desired Settlement: I want this collection account removed from my credit report, as agreed to in the recorded phone calls in September and October. I also want RPM to cease further attempts to debit my bank account.

Business Response: February 16, 2015




Better Business Bureau
1000 Station Dr. Ste 222
DuPont, WA 98327

Email: ******************@thebbb.org


Case# ********, ******** *******


Dear Ms. **********,

I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. *******'s complaint is she relied on RPM to not report this debt to the credit bureau if she paid the balance. She has paid the debt and wants these ratings deleted. After review of our records I offer the following response on behalf of RPM:

RPM received this file from our client Dish on September 3, 2014. It appears there has been some confusion on the credit reporting of this account. The last payment, which paid the balance, was credited to this account on February 6, 2014. RPM did send a notice to the three major credit bureaus on February 13, 2015 to delete this account from Ms. *******'s record. RPM apologizes for any inconvenience we may have caused.

RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at ***** ********

Very Truly Yours,


Henry ** S******
Senior Compliance Specialist

Consumer Response: (The consumer indicated he/she ACCEPTED the response from the business.)
Account is off my report as of 2-23-15

2/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been getting calls and I took one and the lady on the phone gave me information on the past due account, that I do owe but have conflict with the information. O did send to the company copies of what I got from them and from the company

Desired Settlement: To get the information corrected and to be honset with the account information

Business Response: Initial Business Response /* (1000, 5, 2015/02/03) */ February 3, 2015 Better Business Bureau 1000 Station Dr. Ste 222 DuPont, WA 98327 Email: ******************@thebbb.org ****# XXXXXXXX, ***** ********* Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ****** admits he owes the balance, but has a conflict with the information provided by RPM. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******* ******** on December 26, 2014. RPM mailed the initial dunning letter, advising *** ****** of the creditor, amount owed, and his rights under the Fair Debt Collection Practices Act (FDCPA), on December 28, 2014, to the address of ** ******** **** Battle Creek MI 49014. RPM has never been able to reach *** ****** by telephone and the only contact was a letter RPM received on January 16, 2015, stating he received a letter that had two account numbers and would like to speak with someone about paying. Upon being notified of the dispute, RPM immediately ceased collection activity, coded the account as a dispute and contacted our client for validation. When that validation is received, RPM will forward it to *** ****** for his review. If *** ****** wants to call our compliance/escalation department, to discuss paying or with any question, he can call (XXX) XXX-XXXX. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

2/20/2015 Billing/Collection Issues
2/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: constant robo calling at all times of the day from several numbers

Desired Settlement: stop calling, put evertyhing in writing

Business Response: Initial Business Response /* (1000, 5, 2015/02/16) */ February 16, 2015 Better Business Bureau 1000 Station Dr. Ste 222 DuPont, WA 98327 Email: ******************@thebbb.org Case# XXXXXXXX, ****** ******** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ******** is complaining about receiving telephone calls all hours of the day and wants all calls stopped.. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client **** on January 2, 2015. RPM received the telephone number, (XXX) XXX-XXXX, from our client as a good number to reach *** ********. All telephone attempts made by RPM were within the convenient times as allowed by the Fair Debt Collection Practices Act (FDCPA) section 805 a (1). At *** ********'s request RPM has placed a "Do Not Call " code on this number and no further telephone attempts will be made. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (2000, 7, 2015/02/18) */ (The consumer indicated he/she ACCEPTED the response from the business.) this is fine, we need to resolve this with ****

2/17/2015 Billing/Collection Issues
2/5/2015 Billing/Collection Issues
2/5/2015 Billing/Collection Issues
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2/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I worked with RPM and settled my collection, after settlement they reported my debt again as an open collection on my credit. I called and only after a threat of contacting the BBB did they respond, the issue was corrected with an apology and removed from my credit... It is now back on there for a third time... RPM will not respond to my emails..

Desired Settlement: Properly remove from my credit report that I am working so hard to improve..

Business Response: Initial Business Response /* (1000, 5, 2015/01/12) */ January 6, 2015 Better Business Bureau 1000 Station Dr. Ste 222 DuPont, WA 98327 Email: ******************@thebbb.org ****# XXXXXXXX, ***** **** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ****'s complaint is that she settled this debt, however RPM has continued to report the debt to the credit bureau inaccurately. After review of our records I offer the following response on behalf of RPM: *** **** did negotiate as settlement in full (SIF) with RPM. The proper reporting code was sent to the credit bureau after *** **** paid the debt. There has been a system issue and the proper reporting status was replaced by an incorrect status at the credit bureau. RPM has been working to resolve this issue and I personally worked with the Director of IT for RPM to get the issue resolved and the proper reporting on *** ****'s account. That has been fixed today. RPM apologizes to *** **** for any inconvenience this has caused her. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

2/5/2015 Billing/Collection Issues
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1/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: calls many times a day refuses to tell me what company they are from and what do they want they lack good customer service i and my mom told them that my dad****** *********** IS DEAD he died last year so they need to stop harrasing me and my mom.

Desired Settlement: DO NOT KEEP CALLING OR CONTACTING THIS HOUSEHOLD AT ANYTIME! Or Legal action will be taken.

Business Response: Initial Business Response /* (1000, 5, 2014/12/31) */ December 31, 2014 Better Business Bureau 1000 Station Dr. Ste 222 DuPont, WA 98327 Email: ******************@thebbb.org ****# XXXXXXXX, ******** *********** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** *********** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** *********** is complaining that RPM is calling several times a day and not stating why we are calling. He wants the calls stopped since his father, *****, has died. After review of our records I offer the following response on behalf of RPM: RPM received a file from our client **** on December 9, 2014 for ***** ***********. RPM mailed the initial dunning letter, advising *** *********** of the creditor, amount owed, and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of XXXXX ***** ******* Boca Raton, FL 33428 on December 12, 2014. When there was no response to that letter, RPM began telephone attempts to (XXX) XXX-XXXX, which number was provided by the client as a good number. There was no contact until December 19, 2014, at which time RPM was advised to stop calling, which we stopped all calls. Our client has been advised of *** ***** *********** death and we are waiting for their instructions about the account's disposition. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2015/01/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) He owe no money to ****. I will be taking this to the feds if you guys don't stop this criminal game your company is playing. **** says he owed no money and his accounts have been closed. If you guys want we can drag this into court with phone logs. Final Business Response /* (4000, 9, 2015/01/21) */ ****# XXXXXXXX, ******** *********** Dear *** *********** I am in receipt of and have reviewed the above referenced rebuttal filed by Mr. *********** stating his deceased father does not owe any money to ***** After review of our records I offer the following response on behalf of RPM: RPM has ceased all collection activity since the initial complaint was received. RPM has notified **** that Mr. *********** is deceased and taken no further action to collect the account. I am unclear what "criminal" games Mr. *********** believes RPM is playing when we have ceased attempts to contact on the account. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (4200, 11, 2015/01/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Once again i will hire a lawyer and sue both RPM and **** there customer service is beyond bad and **** Should drop them for debt collection my dad has been died for all most 2 years HOW dose he owe money dose he use a cellphone or whatever the so called "bill" is from in the grave? RPM is playing games and this is a joke. i am going to file a complaint with the federal government RPM needs to be investagated my dad owes att NOTHING

1/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Approximately one month ago, an agency called "Performance Receivables" began repeatedly calling my parents' phone number in an attempt to reach me. I did not recognize the number, nor do I have any outstanding debts. After they began calling once a day, nearly every day of the week, my mother told them to stop trying to call, since I no longer lived at their residence. She made it clear that they were harassing them by continuing to call so frequently and at odd hours. Today December 15, 2014, Performance Receivables started calling my husband's phone number, telling him that I owed money to them on behalf of their client, ******. I called them back and after being repeatedly transferred and cut off, someone picked up and informed me that I owed 699.28, a ridiculously large and random amount. Since I do not have a ****** account (a fact that I just verified with ******) and have not had one in the past to my knowledge, and because the address that they said was associated with my name was unrecognizable to me, I am fairly certain that this is a scam. The representative I spoke with was named ************, and the number from which they called is (XXX) XXX-XXXX. ******* claims that her extension is **** and that she works in the Compliance Department of Performance Receivables. She also claims that the debt was filed with them on September 9, 2014- again, this seems strange, since I do not have a ****** account. Furthermore, my credit report shows no outstanding debts, and since my husband and I recently purchased a car, I was able to verify that my credit score is very high. For these reasons, it seems implausible that I would owe any substantial amount of money to anyone, let alone a company with which I am not affiliated. The company has failed to send me any documentation of the debt, so there is no way to verify that anything that they claim to be true is possible.

Desired Settlement: The company needs to stop harassing myself and my family. Their rating should be downgraded to reflect their unsavory business practices, including repeated calls, calls at odd hours, unprofessional conduct during the handling of the claim, and most importantly, fraudulent practice.

Business Response: Initial Business Response /* (1000, 5, 2014/12/31) */ December 30, 2014 Better Business Bureau 1000 Station Dr. Ste 222 DuPont, WA 98327 Email: ******************@thebbb.org Case# XXXXXXXX, ***** ************* Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ****** is disputing the debt and requests validation. After review of our records I offer the following response on behalf of RPM: RPM has searched its business records and can not locate a file for *** ****** using her name and address searches. If she will provide other demographic information: other addresses; telephone numbers; and/or social security numbers, RPM will search its business records again and attempt to answer this complaint. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

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1/13/2015 Billing/Collection Issues
1/13/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is attempting to collect a debt that I have nothing to do with. They have the wrong person. I have had no dealings with ****** ***** ******* Ever. I would like to see the signature on the contract because it is not me. The man wanted the last four digits on my social and when I wouldn't give them he said we had nothing to talk about. I told him his letter showed the middle initial " * " but my name is *****, but that meant nothing. Also, I have been getting harassing robo phone calls on the weekends and in the evenings. And why would they send me to collection without any previous contact by which I may have been able to correct their error.

Desired Settlement: I want a written apology acknowledging their mistake with assurance that this will not affect my credit. If it has already affected my credit, I will seek compensation through another avenue, litigation.

Business Response: Initial Business Response /* (1000, 5, 2014/11/21) */ ****# XXXXXXXX, ******* ****** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ****** states that she has had no prior dealings with ****** ***** ******* She states that she refused to confirm the last four digits of her Social Security number, and has a different middle initial than that of the consumer responsible for the obligation. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ****** ***** ****** on August 9, 2014. On August 13, 2014, RPM sent a dunning notice to the same address as listed in this complaint advising the consumer of the creditor owed, amount due, as well as her rights under the Fair Debt Collection Practices Act (FDCPA. Upon notification of the dispute, RPM ceased collection activity, coded the account as a dispute and contacted our client for validation. As soon as that validation is received, RPM will forward it to *** ****** for her review. If RPM is contacting *** ****** in error we sincerely apologize. However without confirmation of the last four digits of her Social Security number we are unable to confirm this one way or the other. *** ****** is free to contact me directly at (XXX) XXX-XXXX and discuss the matter further. RPM appreciates this opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel Initial Consumer Rebuttal /* (3000, 7, 2014/11/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) *** has conceded that I am not their client and has deleted my phone number from their records. They say my address on the other hand was not supplied by them. This is this collection agency being irresponsible and attaching the first address for a ******* ****** that comes along without any verification to this debt.. They need to expunge my address from their system. They also need to apologize to me in writing for causing this mess including assurances that they have not ruined my credit. I will not give my social security number in any form. **** * **** should know that it is not an ID number per the Social Security Administration itself. This is sloppy incompetent work. This place needs to spend some money for professional skip-tracing to obtain proper correct information. If this kind of thing is in-house the people should be fired. After their harassing robocalls I will see what kind of penalties can be levied against them. Final Business Response /* (4000, 11, 2014/12/29) */ ****# XXXXXXXX, ******* ****** Dear *** *********** I am in receipt of and have reviewed *** ******' response to RPM's submission. ****** ***** ****** provided RPM with the address at the time they placed the file. RPM utilizes numerous outside data vendors such as ********** etc. RPM apologizes for contacting *** ****** in error, however the situation could have been resolved much sooner had there been more cooperation. RPM will remove her information from our system and cease further attempts to contact her. RPM appreciates this opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel Final Consumer Response /* (4200, 13, 2014/12/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) **** * **** hides behind his voicemail and does not return his calls. If he had the integrity to contact me he would have gotten plenty of cooperation. If I had not contacted ****** myself this irresponsible slipshod company would still have their collectors harassing me. Upon contact ****** removed my phone number from their system immediately without any hassle. They could not remove my address because they never had it. Putting my address together with someone of a similar name is some random sloppy work put out by this RPM and NOT ****** as he is trying to say. I believe what ****** told me over these people. These people have not given me an apology or more importantly assurance that they have contacted the credit reporting agencies, admitting their error so as not to ruin my credit.

1/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The calls started on 9-5-14 9:18 a.m. I have been tracking them through an app on my phone. They leave a automated message to call them back. They are RPM debit collectors. I have outstanding credit so I called them back. I gave them my name and they had nothing. I said you called me... I gave them my number XXX-XXX-XXXX and they said it was for a guy... I have no idea who this was. I told them this and asked them to add me to the do not call list. Since I had this phone number for a short while and it could have been the previous owner. They were nice and said ok. It can take up to 48 hours to have your number removed. I said Thank you. Well since that day I have received the following calls and have returned them to demand they add me to their DO NOT CALL LIST. 9-6-14 14:02/ 9-7-14 9:19/ 9-12-14 13:06/ 9-28-14 14:03/ 10-08-14 19:27/ 10-12-14 16:12/ 10-15-14 19:53/ 10-21-14 12:43/ 10-26-14 17:36/ 10-28-14 19:46/ 10-29-14 12:47/ 11-6-14 20:25/ 11-8-14 9:46/ 11-14-14 15:05/ 11-20-14 14:32/ 11-22-14 12:41 And again today 11-24-14 14:57. After being informed that they have the wrong number and its been well over the 48 hours to add me to the DO NOT CALL LIST, this is absolute harassment. I do not know the person whom they are calling for. They have been informed of this more than a dozed times. They refused to add me to the DO NOT CALL LIST. Im sure they are in 50 states including Canada, However that does not give them the right to disrupt and inconvenience my days and night with answering their calls. I am sure that their customer who gave them the info for the person that are trying to contact money from is the info that they had at that time. However that is no excuse due to the fact that I again have told them over a dozen times that they have the wrong phone number.

Desired Settlement: REMOVE MY CELL NUMBER AND STOP CALLING ME. PUT ME ON THE DO NOT CALL LIST AS I HAVE ASKED TOO MANY TIMES ALREADY.

Business Response: Initial Business Response /* (1000, 7, 2014/12/18) */ ****# XXXXXXXX, **** ****** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ******'s complaint is that RPM is calling her home number to reach a person she doesn't know. She alleges that RPM has been advised to stop calling, however she continues to receive calls and request that they stop. After review of our records I offer the following response on behalf of RPM: RPM received three separate files from three different clients at three separate times for a consumer that was not *** ******, each containing the telephone number of (XXX) XXX-XXXX as the number to reach the consumer. Contractually, RPM cannot share file information between clients. As a result, RPM had no way of knowing the same telephone number was attached to two other files. When *** ****** asked RPM to stop calling, a wrong number code was entered for that telephone number on that particular account. Subsequently, the second and third accounts were placed with RPM and we began trying to reach our consumer again. RPM sincerely apologizes to *** ****** for this inconvenience. All three accounts have this telephone number, (XXX) XXX-XXXX, marked with a wrong number code and her number has been added to our permanent do not call database. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

12/29/2014 Billing/Collection Issues
12/23/2014 Billing/Collection Issues
12/23/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They have been calling me daily and sometimes more than once a day. I have written to them and told them I wanted written correspondence not phone calls. They continue to call. I sent them a letter with an spreadsheet attached and showed them what exactly I thought I was responsible for and sent them a check in the amount. I also told them that cashing this check would consider this account paid in full. They cashed the check a few weeks ago and still continue to call. I tried to actually talk to a person at one point, but was tranferred and then hung up on.

Desired Settlement: I want the phone calls to stop. If they don't, I will continue to not disconnect any call that is received and they have used various numbers to call me. The one time I did talk to someone before I was transferred and hung up on, the person was extremely rude.

Business Response: Initial Business Response /* (1000, 5, 2014/12/05) */ ****# XXXXXXXX, ***** **** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** **** disputes owing a debt and wants all calls stopped. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ****** **** ******** on July 7, 2014. On July 9, 2014, RPM sent *** **** an initial dunning notice advising her of the creditor owed, amount due, as well as her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** ********* **** ****** Jacksonville, FL 32244. Upon being notified of the dispute, RPM ceased collection activity, coded the account as a dispute and contacted our client for validation. Validation was provided to *** **** by **** via RPM on October 17, 2014. *** **** has continued to dispute the balance, however it is ******* position that the balance remains due and owing. Pursuant to *** ****'s request, RPM will cease further attempts to contact her and return the account to ***** RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

12/18/2014 Problems with Product/Service
12/16/2014 Billing/Collection Issues
12/9/2014 Billing/Collection Issues
12/2/2014 Billing/Collection Issues
12/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was informed by ****** that a former bill had been turned over to collections, and was referred to this number. After phoning this company repeatedly, I was finally called back after receiving a recording. The person who called me back stated that the company has a) already sent me a bill in writing stating that this is my bill and b) that the company is not "legally" allowed to send me another bill. I requested that a bill proving that this is my debt be sent to me in writing, as I was not informed that I still had an old debt with ******: I had cancelled my service in July, and then began receiving emails in September and October that my bill was "available online." I am no longer able to log in, and when I contacted ******, was told I had to November 4 to pay the bill. When I called back to make a payment, I was told that I "had until November 4 to make the payment to the creditor" and was referred to RPM. As I don't even know if this is a legitimate charge from ******, and this company is telling me that it is not legally allowed to send proof that this is my bill, I want this company, and ******, investigated. I have already filed a separate complaint against ******.

Desired Settlement: I would simply like to know whether this is a legitimate charge, and hope that it is not doing damage to my credit report. I do not believe that this charge is mine, and want it reversed.

Business Response: Initial Business Response /* (1000, 5, 2014/11/14) */ Case# XXXXXXXX, **** ********** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ********** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ********** disputes owing a debt to ****** and requests validation. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ****** on August 21, 2014. On August 26, 2014, RPM sent *** ********** an initial dunning notice advising her of the creditor owed, amount due, as well as her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of **** *********** *** Columbus, OH 43231. Upon being notified of the dispute, RPM ceased collection activity, coded the account as a dispute and contacted our client for validation. That validation has been received and forwarded to *** ********** for her review. After reviewing the validation documents, *** ********** is free to contact our office to make payment arrangements. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/25/2014 Billing/Collection Issues
11/25/2014 Billing/Collection Issues
11/25/2014 Billing/Collection Issues
11/21/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Company calls and hangs up. Call company back, and they want personal information above name and telephone number. Ends call when non pertanaint information is not provided.

Desired Settlement: Discontinue harrassing calls and get to the point of the call.

Business Response: Initial Business Response /* (1000, 5, 2014/09/30) */ ****# XXXXXXXX, ****** ********* Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********* states that RPM calls him and asks for personal information before explaining the purpose of the call which are ultimately terminated with no resolution. After review of our records I offer the following response on behalf of RPM: RPM received an account from our client ****** on September 19, 2014, in the name of ****** and ****** *********. On September 21, 2014, RPM mailed the ********* a dunning notice, advising them of the creditor, amount owed, and their rights under the Fair Debt Collection Practices Act (FDCPA) to **** ******* *** North Canton, OH. In order to prevent a third party disclosure in violation of the FDCPA, RPM must first confirm we are speaking to the right party. This is done by confirming the consumer's name and a second piece of personal identifiable information such as an address, birthdate, or last four digits of a Social Security number. If Mr. ********* refuses to confirm any of this information we are prohibited under federal law from disclosing any further information about the purpose of the call. If either of the ********* would like to call our escalation department at (XXX) XXX-XXXX one of our representatives would be happy to assist them once it is confirmed that they are responsible for the subject account. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/10/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) In regards to Mr. ********** response to the Complaint I have filed on September 25, 2014. It is true that Receivables Performance Management, LLC had sent a dunning notice that I received after the recorded telephone conversation discussed in the Complaint and after the actual filing of this Complaint. Mr. ******* attempts to argue that I should have known in what regards Receivables Performance Management, LLC was contacting me when the dunning letter sent is dated September 21, 2014 and the call in question was made at 3:19 PM Eastern on September 22, 2014. Mr. ********** statement attempts to make one believe that a presorted First-Class mailing would be in my possession in less than one day when traveling virtually across the country from Lynnwood, Washington to North Canton, Ohio. Furthermore, Mr. ******* attempts to address Federal regulations preventing third party disclosures when in fact; Mr. ******* had no reserves going into great detail in his response with the BBB without my permission to do so. This action in itself shows that Receivables Performance Management, LLC is rather loose with the regulations mentioned. In closing, the aforementioned shows that Mr. ********** arguments are misleading and false on their face. By his own words he has stated that Receivables Performance Management, LLC had my name and phone number. He has cited no regulation dictating what is required for identification, and after researching for myself, I can locate no regulation requiring anything more than what I had provided. If proper to do so, I request a mediation regarding this Complaint. Final Business Response /* (4000, 10, 2014/11/05) */ Case# XXXXXXXX, ****** ********* Dear Ms. *********** I am in receipt of and have reviewed the above referenced follow up complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). Mr. ********* appears to now be alleging that RPM violated the Fair Debt Collection Practices Act (FDCPA), specifically about Third Party Disclosure by responding to the Better Business Bureau's (BBB) complaint. In addition, he alleges that RPM's response was false and misleading when we quoted the FDCPA since he can't locate any regulation. After review of our records I offer the following response on behalf of RPM: When Mr. ********* made the decision to involve the BBB, he gave permission for RPM to divulge aspects of the account. When RPM quoted the FDCPA, we were not being false or misleading. The FDCPA requires that a dunning notice be sent to a consumer within 5 days of the initial communication. Thus, RPM was not expecting Mr. ********* to have the letter in his hand when we called because that is not required under the statute. If Mr. ********* wishes to contact RPM about negotiating payment, he can call our escalations department at (XXX) XXX-XXXX. After verifying it is Mr. *********, one of RPM's representatives will be able to assist him in resolving this debt. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I keep receiving phone calls daily from this company. They have the wrong person, as my name is not ******. They say they will remove my phone number but they continue to call me each day anyway. I do not have any debt problems and this is very aggravating to have to put up with this harassment when I am not the person they want.

Desired Settlement: I want them to leave me alone and stop calling me everyday or I will intend to sue them for millions for harassment and adding stress to my life.

Business Response: Initial Business Response /* (1000, 5, 2014/11/14) */ Case# XXXXXXXX, ****** ******* Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ******* states that RPM is continuing to call her home number for a person that does not live there. *** ******* wants the calls to stop. After review of our records I offer the following response on behalf of RPM: RPM received a file from our client * ****** for a consumer who is not *** ******** RPM is withholding that consumer's name to prevent a third party disclosure in violation of the Fair Debt Collection Practices Act (FDCPA). The telephone number (XXX) XXX-XXXX was obtained from a vendor as a good number to reach our consumer. RPM began attempting telephone contacts, however none were made until November 6, 2014. At that time RPM was advised this was a wrong number, that number was termed as such and no calls have been attempted since. RPM apologizes if our attempts to contact our consumer have inconvenienced *** ******** RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (2000, 7, 2014/11/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) The phone calls have stopped.

11/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called Receivable Performance on 10/13/2014, because there was an entry on my credit report which put me at a higher interest rate for a loan. Paying at a higher interest rate for the loan is an extensive consequence, due to it not being my bill.The lender recommended that we contact the business to get it rectified, because it is not my bill ******* mobile phone for about $1,600+). The account number is XXXXXXXX. I called Receivable Performance at XXX-XXX-XXXX. I spoke with the service representative named, ******. I explained to him the situation. ****** then asked "if I was ****** Jr or ****** Sr." Therefore I told him that I was ****** Sr. He then refused to help me in any way, regardless of any questions that I asked about the bill. There is both a ****** Sr. and ****** Jr. the bill belongs to ****** Jr. not ****** Sr. Is there anything that we could do to get this situation rectified, because the loan will be finalized in the very near future (at the higher rate)? Product_Or_Service: ****** cell phone service Account_Number: XXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like Receivable Performance ******* ******* to remove the 1,600+ immediately from my credit report, because it is not my bill and I am suffering from this injustice.

Business Response: Initial Business Response /* (1000, 5, 2014/10/22) */ Case# XXXXXXXX, ****** ********* Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** states that RPM has sent a negative report to the credit bureau for a debt he doesn't owe. After review of our records I offer the following response on behalf of RPM: RPM has searched its business records and can't locate a file in the name of ****** ***** *** RPM does have a file by the name of ****** ***** *** at the same *** ** ******* Oak Park, IL XXXXX address as *** ********. However RPM did not report any derogatory information to the credit reporting agencies on behalf of Mr. ***** *** RPM is not disputing what Mr. ***** *** is stating about information appearing on his credit history, however the credit reporting agencies may have mistakenly put in on his history due to ***** Sr and Jr having the same name. To rectify the situation, RPM has sent a deletion request to the three major credit reporting agencies through the ******* system, and received the following confirmation number, # XXXXXXXX. RPM has no control over how long it will take credit reporting agencies to update their records. RPM appreciates the opportunity to resolve this matter and apologize for any confusion. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company calls my business phone 2-3 times daily even though it's obvious to anyone with common sense that this is a business phone number. Even if I answer they just hang up or never leave a message so it's obvious that their intent is solely harassment and not to do any business. Extremely horrible company ran by extremely horrible people.

Desired Settlement: Stop calling me

Business Response: Initial Business Response /* (1000, 5, 2014/10/22) */ Case# XXXXXXXX, *** ****** Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ****** claims RPM is calling his business 2-3 times a day and hangs up when he answers. No messages are left and he feels this is harassment. After review of our records I offer the following response on behalf of RPM: RPM has searched its business records and has no consumer by the name of *** ****** in our database. It appears RPM is calling a wrong number. RPM requests that Mr. ****** provide the telephone number being called so a file can be located and calls stopped. If RPM is calling Mr. ****** in error we apologize for the inconvenience. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has placed an erroneous account (Account number: ***** on my credit report, and I am seeking to have it removed immediately. I have never had any business or correspondence with this company, nor the company they say they represent ******* All attempts to validate this as mine has went without response.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I give the BBB permission to allow this company the ability to submit any contractual information to validate this account as mine. This account should be removed immediately from my credit report. Not to be resold.

Business Response: Initial Business Response /* (1000, 6, 2014/07/29) */ Case# XXXXXXXX, ******* ***** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ***** states that RPM has reported a negative trade-line to his credit history and he knows nothing about this debt. After review of our records I offer the following response on behalf of RPM: RPM has searched it business records using *** *****'s name, address and telephone number and can not match that information to a file in our office. If *** ***** will provide additional demographic information: social security number, previous address (if applicable) or previous telephone number (if applicable), RPM will search it records again. Hopefully we can then locate the file and answer this complaint. The fact that RPM has not been able to locate a file does not mean there isn't a file in our office. However, it is possible that one of the credit bureaus mistakenly placed another person's trade-line on *** *****'s credit history. Under the Fair Credit Reporting Act (FCRA) section 611, he has the right to dispute this rating directly to the credit bureau(s) and they must investigate that dispute. RPM apologizes for any inconvenience this may have caused *** *****. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 12, 2014/10/08) */ This case was originally filed by me against Receivable Performance Management, LLC (RPM) on 07/29/2014 and given a **** # XXXXXXXX by the BBB. There was a settlement reached reach with a RPM representative **** **** stating their records show no record credit entry (RPM Account number: ***** on my credit file, but if they were to source such a entry in their files, they would delete all information from my report. Upon review the BBB case file on 07/28/2014, all information that was submitted from **** **** of the RPM was removed fro the BBB online complaint system. Why this occured, I am HIGHLY suspect of the reasoning. I do have the original statement on file with **** **** statement. I updated the BBB system as to why the file entry was removed and requested a letter from RPM that they would delete the entry from my report. **** ********** of the BBB requested information from RPM and on 07/29/2014, RPM representative ***** ******* stated it could be some confusion with the credit bureaus, which they will correct. I considered the case complete in my favor. On 09/17/2014, I completed a credit application for a loan and was denied. Upon review my credit report there was the same false information on my credit report from RPM that was stated by them to have been removed almost three months prior. RPM lied to me and the BBB as well as violated the law about correcting this erroneous credit entry on my personal credit report. RPM has willfully failed to comply with the BBB, FCRA, Fair Debt Collection Practices Act (FDCPA) and Texas FDPCA. This situation has caused me to suffer, and continue to suffer; including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation. I am seeking an immediate removal of this account from my personal credit report, as well as damages assessed against RPM. Final Business Response /* (4000, 16, 2014/10/24) */ Case# XXXXXXXX, ******* ***** Dear Ms. *********** Mr. ***** alleges that RPM has lied and willfully failed to comply with the Better Business Bureau, The Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Texas Collection Laws by not removing the negative file from his credit bureau report. After review of our records I offer the following response on behalf of RPM: RPM responded to Mr. *****'s initial complaint in July, 2014, stating we could not locate a file in his name. We asked for and never received any additional demographic information in order to locate the file. Mr. ***** finally contacted RPM on October 2, 2014 and spoke with **** ****, our Director of Compliance and General Counsel, and gave that additional demographic information. Mr. **** was able to locate the file and agreed to delete the negative credit information. That deletion was sent to the three ***** credit bureaus electronically through the E-OSCAR system on October 2, 2014 (AUD #XXXXXXXX) and again on October 10, 2014 (AUD #XXXXXXXX). RPM does not know or control how long it takes the credit reporting agencies to update their records. RPM has done what it agreed to do and has not violated any of the laws referenced above in Mr. *****'s allegations. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/10/2014 Billing/Collection Issues
11/10/2014 Billing/Collection Issues
11/10/2014 Billing/Collection Issues
10/31/2014 Billing/Collection Issues
10/30/2014 Billing/Collection Issues
10/30/2014 Billing/Collection Issues
10/30/2014 Problems with Product/Service
10/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The customer service reps keeps calling me wanting me to confirm my personal information such as address, social security number, etc, but when asked what the call is regarding before I hand out that information, I was told that they cannot provide me with that information until I confirm the information that was asked. How can you expect someone to confirm their personal information like that over the phone when you are not giving up no information yourself. Plus I am a victim of identity theft and I have an open investigation with the FBI about it.

Desired Settlement: The business need to tell me why they are calling prior to me confirming my personal information and if they are truly a debt company then they need to clear my name of any debt because I am a victim of identity theft and I have paperwork to prove it.

Business Response: Initial Business Response /* (1000, 5, 2014/10/22) */ ****# XXXXXXXX, ****** ******* Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* alleges that RPM continues to call her and upon contact asks for personal information to confirm who she is. When she refuses to give that information the calls are disconnected. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client **** ****** ***** on September 19, 2014. On September 28, 2014, RPM sent an initial dunning notice, advising Ms. ******* of the creditor, amount owed and her rights under the Fair Debt Collection Practices Act (FDCPA) to her address of **** ***** **** *** ** Highpoint, NC. This is the same address as listed in the complaint and the **** ****** service address. The only telephone contact was on October 14, 2014. RPM's representative was attempting to confirm the person answering the telephone was Ms. ******* to prevent a third party disclosure in violation of the FDCPA When Ms. ******* refused to confirm this information the call ended. If Ms. ******* would prefer to call our Escalations Department to negotiate payments, she can call RPM at (XXX)XXX-XXXX. In light of Ms. *******'s allegation of fraud, RPM has advised **** ****** ***** and will cease further attempts to contact her. RPM appreciates the opportunity to resolve this complaint and apologize to *** ******** for any confusion. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (2000, 7, 2014/10/30) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/28/2014 Billing/Collection Issues
10/28/2014 Billing/Collection Issues
10/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On August 1, I received notification from my credit monitoring that RPM has added an account of derogatory status to all 3 reporting agencies. I have never heard of RPM nor had anyone from said company attempt to contact me prior to this date. I received a letter on 8-23-14 from RPM advising me of this debt. This letter is dated 8-20-14 and a demand to settle before 8-28-14. If them placing derogatory entries on my credit reports is the initial contact, according to FDCPA 809(a), they then have 5 days to contact me in writing . As anyone can see they have violated this federal law and are subject to according fines. This violation will be reported to my state AG, Washington state AG, the FTC and I will hire legal counsel if needed.

Desired Settlement: I am requesting immediate deletion from all 3 credit reporting agencies and conformation that a request was in fact send to all 3 credit reporting agencies.

Business Response: Initial Business Response /* (1000, 5, 2014/09/08) */ ****# XXXXXXXX, *** ******* Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ******* states that RPM reported his account to the credit reporting agencies prior to sending him an initial dunning letter. He is alleging this violates the Fair Debt Collection Practices Act (FDCPA). After review of our records I offer the following response on behalf of RPM: RPM received this file from our client **** ******** on June 17, 2014. That same day, RPM mailed an initial dunning notice advising Mr. ******* of the creditor, the balance, and his right to request verification of the debt to his last known address, **** *** *** Hartville, OH XXXXX. RPM was unable to make telephone contact with Mr. *******. The account reported to the three major credit reporting agencies on July 30, 2014 due to non-payment. A subsequent letter offering a settlement was mailed on August 20, 2014, that is the letter I believe he is referencing in his complaint. Based on the above I believe RPM acted in accordance with the FDCPA and other applicable laws. If Mr. ******* wants to discuss payment options he can call our Escalations department at (XXX) XXX-XXXX. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is unacceptable. I have not owned that PO box in over a year. This can be verified by the postal service. Both purported letters that were sent by the company had to be returned as undeliverable by the Postal Service. I had NO chance to pursue the options available to me in the FDCPA or the FCRA regarding this account. I am still requesting immediate deletion from all 3 bureaus until I have had an opportunity to follow the due process that has been afforded to me by federal laws. Final Business Response /* (4000, 12, 2014/10/22) */ ****# XXXXXXXX, *** ******* Dear Ms. *********** I am in receipt of and have reviewed the above referenced follow up complaint filed by Mr. ******* against Receivables Performance Management, LLC (RPM). Mr. ******* now states that he has not had the P.O. Box on file for over a year. He claims he was denied his "due process" under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). After review of our records I offer the following response on behalf of RPM: RPM mailed the initial dunning letter to the last known address (the P.O. Box), which is what the act requires. The fact that Mr. ******* chose not update his creditors of his address is beyond RPM's control. RPM relied on the last known address provided to us by our client. Mr. ******* is not precluded from disputing the balance or any other protections provided by either act. At this time, RPM believes we are accurately reporting the status of the account and have complied with all applicable laws. If Mr. ******* is disputing the balance I suggest he send written notification of the same and RPM will request validation from our client and update the credit trade-line accordingly. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (4200, 14, 2014/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are still in violation of federal reporting laws. RPM has the technology to secure my address and in fact my current address is and has been a part of my credit file since May 2013. They obviously seen the dunning returned as undeliverable. Complete negligence on RPM's part. I am prepared to take this matter to the next step.

10/24/2014 Billing/Collection Issues
10/21/2014 Billing/Collection Issues
10/21/2014 Problems with Product/Service
10/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company refuse to return my calls, They transfer me to different departments to help but they never have any answers for me other than.. " Call ******** " Well ******* sold my collection to " Receivable Performance Management" so they are the only one who can help. I talked with RPM - Receivable Performance Management - escaltions department, a lady named "***** " she was so rude and disrespectful, she refuse to escalate anything at all. She proceeded by hanging the phone up in my face once she knew she wasn't going to help me. I Paid this company over two years ago, and they refuse to take it off my credit. They show in their system that i paid the amount but cant answer why its still showing i owe. ******** recommended i give you guys a heads up on whats happening, so thats what im doing.

Desired Settlement: I am seeking for a full investigation on why my account still show a balance, i also would like to speak with the highest personal avaliable in the company to help get the account squared away. I need someone with patience, and someone who can show the same amount of respect i show. someone who is not rude, and someone who can help 100%. My Account is paid in full, i would like for it to be reported to the credit. Thanks alot!

Business Response: Initial Business Response /* (1000, 5, 2014/09/30) */ Case# XXXXXXXX, ******** ***** Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ***** alleges that ******** sold this debt to RPM and he paid it over two years ago. When he called RPM, our representative was rude and disrespectful. After review of our records I offer the following response on behalf of RPM: RPM received this account from our client** ****** on July 3, 2013. On September 25, 2013, RPM mailed Mr. ***** an initial dunning notice advising him of the creditor, amount owed, and his rights under the Fair Debt Collection Practices Act (FDCPA) to **** ******** ***** Dr., ******* GA. RPM has record of speaking to Mr. ***** in September of 2013 where he advised that he had paid the account, however the settlement letter he referenced had a different account number than the account at issue. There was no further contact with Mr. ***** until he called our office on September 23, 2014, claiming the balance was paid. A dispute code was placed on the account however ******** recalled the account from our office two days later on September 25th.As a result, RPM is no longer handling this matter. RPM has requested that the credit trade-line be removed from Mr. Park's credit history. We suggest he contact ******** for further resolution. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

10/15/2014 Billing/Collection Issues
10/14/2014 Billing/Collection Issues
10/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On June 29, 2014 I spoke with ***** *********** about a phone bill from **** in collections with the company RPM Receivables Management. The balance owed was approximately $500. We agreed on a settlement of $350 and removal from the credit report. To process the payment, ****** ****** had to approve the settlement, at which he did approve the settlement amount of $350. ***** processed the payment and once the amount was paid they would report it to the credit bureau for deletion. I ran my credit report on August 2, 2014 and RPM was reporting a balance of $119. I called RPM to inquire why on August 3, 2014 and got the run around with several different people. I spoke with ******* ******, ********, and *******. I was hung up on several times and placed on long hold times. I informed them of what was going on and asked why is my credit report showing a balance when it should be removed. ******* said she would send the request to be settled and I should check in one day. I asked again, " will it be removed off the credit report?" She replied, " Yes it will be updated". Entrusting that the account would be updated, I go to open an account with **** home service on August 31, 2014 and they inform me that I still owe **** a balance of $119 and they can not extend me service unless I pay a deposit. I called RPM on August 31, 2014 and ***** transferred me to someone who put me on a long hold time and never came back to the phone. I am fed up with this company. I called again and spoke with someone and she tells me I have to pay the balance and they won't update the credit report until I do so. We made an agreement and they failed to comply with it and its further affecting my credit and a total inconvenience for future services. The settlement should not have left a balance and it should not be on the credit report. I need this account updated and deleted immediately as promised and agreed.

Desired Settlement: This account needs to be updated and deleted from all three credit bureaus, ********, **********, and ******** They need to contact***** and report to them that the account has been paid so that I can receive new services immediately

Business Response: Initial Business Response /* (1000, 7, 2014/09/22) */ RE: **** ******** Case Number: XXXXXXXX To Whom It May Concern, I am in receipt of and have reviewed the above referenced complaint filed by Mr. ******** against Receivables Performance Management, LLC (RPM). Mr. ******** states that he paid a settlement agreement on the premise that the account would be removed from his credit history. After review of our records I offer the following response on behalf of RPM: RPM received Mr. ********' **** account for collection on June 16, 2014. The parties negotiated a settlement agreement for $350.00 on June 29, 2014 which was paid as agreed. Prior to this conversation the account had not been credit reported by RPM. I have reviewed a recording of the June 29th contact between Mr. ******** and our agent. At no time did our agent advise that an existing trade-line would be deleted upon receipt of payment. RPM does not offer or agree to "pay for delete" arrangements because we believe it is an unfair and deceptive practice. Also, Mr. ********' account had not been credit reported at the time he spoke to our representative so there was nothing to delete. The representative indicated that the account would not be credit reported if the settlement was completed prior to the date the account was scheduled to report. Mr. ******** agreed to a settlement below our normal client parameters requiring a manager and client approval, which was obtained; however the manager was also responsible to manually notate the account. Unfortunately it appears that the manager did not complete this task. As a result, the account was credit reported after the settlement was paid for the remaining balance. RPM apologizes for this error. Mr. ******** account has been properly closed as settled. RPM has contacted the credit reporting agencies and requested the trade-line be removed from Mr. ********' credit history. The eOSCAR confirmation# for the deletion is XXXXXXXX. In response, RPM has removed this responsibility from mid-level managers and created a daily report of all below parameter settlements to be reviewed daily by senior management and our strategy department. We believe that adding an additional level of oversight will prevent the situation from reoccurring. RPM appreciates the opportunity to resolve the matter to Mr. ********' satisfaction and again offer our apologies for the confusion. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel Initial Consumer Rebuttal /* (2000, 9, 2014/10/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/7/2014 Billing/Collection Issues
9/25/2014 Problems with Product/Service
9/23/2014 Billing/Collection Issues
9/19/2014 Billing/Collection Issues
9/11/2014 Billing/Collection Issues
9/3/2014 Billing/Collection Issues
8/27/2014 Billing/Collection Issues
8/27/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Harrassing phone calls multiple days and early in morning

Desired Settlement: Stop contacting me

Business Response: Initial Business Response /* (1000, 5, 2014/06/30) */ Email: ******************@thebbb.org Case# XXXXXXXX, ****** ***** Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ***** alleges that RPM is making harassing calls, multiple times a day and early in the morning. After review of our records I offer the following response on behalf of RPM: RPM has searched its business records by name and address and can't locate a file. If Ms. ***** would provide the telephone number that RPM is allegedly calling, we will search our files again and provide a more detailed response. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/07/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) How can they "not locate a file" when they call 3 to 4 times a day starting at 8a. Furthermore, on the FEW occasions I have answered the phone and tried to speak to someone they ask for a name that does not, nor has ever, lived here. When I complain and yell, they transfer me around and then hang up and continue calling at all hours of the night and day. The numbers they call from are MANY. I have CallerId so I can see the name is always the same: XXX XXX XXXX XXX XXX XXXX XXX XXX XXXX XXX XXX XXXX XXX XXX XXXX XXX XXX XXXX XXX XXX XXXX And those are just the numbers from a 2 week time period. HOW CAN I GET SOMEONE TO PLEASE HELP ME STOP BEING HARASSED BY THESE CROOKS. I FEEL LIKE I AM UNDER SIEGE. I SEE CLASS ACTION LAWSUITS ONLINE SHOULD I JOIN ONE? Final Consumer Response /* (4200, 14, 2014/07/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The phone number being called is XXXXXXXXXX. Pls do not post this on the website only in the reply direct to company Final Business Response /* (4000, 17, 2014/08/11) */ Now that Ms. ***** provided the telephone number RPM is attempting, we have located the file in question. RPM was calling (XXX) XXX-XXXX in an attempt to reach our consumer that is not Ms. ****** *****. RPM apologizes for any inconvenience we may have caused. This telephone number has been marked as a wrong number and will not be attempted again. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

8/22/2014 Billing/Collection Issues
8/20/2014 Billing/Collection Issues
8/20/2014 Billing/Collection Issues
8/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a collection notice from this company today. It says I owe $155.56 to an *************. I contacted **** and spoke with an agent named **** Guess what...no debt even for wireless...which we haven't had with them in seven or more years! We've used ******* prepaid phones for the last 5 years or more. The collection notice is from November 13, 2013....I smell a scam cooking. Not paying them, **** has verified that I do not owe them any monies for a prior debt, as it would have showed up in my statement from *****

Desired Settlement: Do not ding credit for FALSE claim/ their SCAM. They will no longer contact me through other means, email, phone, call, mail or using other business names (other company names) to contact me regarding a FALSE debt. If they have dinged my credit they are to make it right and in good standing ASAP.

Business Response: Initial Business Response /* (1000, 7, 2014/08/02) */ ****# XXXXXXXX, ****** ***** Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ***** is disputing a debt RPM sought to collect. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client **** ******** on July 9, 2014. On July 11, 2014, RPM mailed an initial dunning notice, advising Ms. ***** of her right to request verification of the debt to the address of *** ***** *** Belleville, IL XXXXX. Until we received the dispute from your office, RPM was unaware that this debt was disputed. Upon receipt of the complaint, RPM immediately ceased collection; coded the account as disputed; and contacted our client for validation. When that validation is received, RPM will forward it to Ms. ***** for her review. RPM will cease further attempts to contact Ms. ***** pursuant to her request. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

8/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was recently harassed by this company regarding a debt that they stated I owe. I told the rep to send me something in writing because I do not want to communicate with them over the phone. He then proceeded to inform me that's not how the company works. ****** was very unprofessional. Screaming at me saying that I owe them money. The call occurred today July 27, 2014 at 10:21am. According to him the call was recorded so please check. I requested him to stop calling and harassing me. He stated no I need to send a cease and dismiss letter to the company. I then continue to tell him that I never received any from this company.

Desired Settlement: I want them to stop calling and harassing me. I received this call early Sunday morning. Instead of screaming at me he should have obeyed my wishes of sending a letter in the mail instead of telling me that's not how his company work.

Business Response: Initial Business Response /* (1000, 5, 2014/08/02) */ Case# XXXXXXXX, ****** ******* Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* is alleging that RPM called her on July 27, 2014, when she asked our representative for a letter we began screaming at her and harassing her. Ms. ******* wants all calls to cease. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client T ****** on June 20, 2014. RPM mailed the initial dunning letter, advising Ms. ******* of her right to dispute, to the address of *** ***** *** **** *** Brooklyn, NY 11212 on June 24, 2014. That is the same address as shown on the complaint from your office and RPM has not received a response to it. RPM has no record of placing a call to Ms. ******* on July 27, 2014. It is obviously contrary to company policy to be rude or to scream at consumers. If Ms. ******* had an unpleasant experience with our organization we offer our sincere apologies. RPM will cease further attempts to contact Ms. ******* pursuant to her request. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

8/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RECEIVABLE PERFORMANCE IS TRYING TO BILL ME FOR $181.00 FOR THE SERVICE THAT THE ****** PROVIDED FOR MY INTERNET AND PHONE,BUT I PAY **** ON TIME. LAST YEAR, AN **** REPRESENTATIVE CAME TO MYHOUSE TO FIX MY INTERNET.AFTER HE FIXED IT HE SAIDTHAT MY DSL IS CHANGE TO WIRELESS BUT HE NEVER TOLDME THAT HE WAS GOING TO CHARGE ME EXTRA IN THE AMOUNT OF $181. THEN THIS YEAR I RECEIVED A BILLING FROM THISRECEIVABLE PERFORMANCE BUSINESS THAT I OWE THEM THISABOVE AMOUNT.I DON'T EVEN KNOW THIS BUSINESS.I TOLD THEM THAT I DO NOT OWE **** THIS AMOUNT AND DID NOT ORDER WIRELESS FROM YOU,AND I ALWAYS PAY**** MY MONTHLY BILL,AND I AM NOT GOING TO PAY YOUBECAUSE I DID NOT ORDER WIRELESS FROM YOU. I HAD A DSL HIGH SPEED INTERNET FROM **** I DIDN'T KNOW WHY IT WAS CHANGED TO WIRELESS WHICH IDON'T EVEN LIKE IT BECAUSE IT'S SLOW. I TOLD THE RECEIVABLE PERFORMANCE TO STOP COLLECTING THEABOVE AMOUNT FROM ME BECAUSE I DO NOT OWE THEMANYTHING AND NOW THEY TURN ME IN TO CREDIT BUREAUS? THIS MUST BE A SCAM.I WANT THEM TO STOP THEIR COLLECTION TECHNIQUE NOW.OR I WILL FILE FOREMOTIONAL DISTRESS RESULTING FROM THEIR UNFAIRCOLLECTION TECHNIQUE

Desired Settlement: DesiredSettlementID: Other (requires explanation) FOR NOW,I WANT RECEIVABLE PERFORMANCE TO STOPCOLLECTING MONEY FROM ME, AND RUINING MY CREDITBECAUSE I DO NOT OWE THEM EVEN A SINGLE PENNY. AND WHO EVER ORDER THE WIRELESS FROM THEM,THEYSHOULD COLLECT IT FROM THEM.BECAUSE **** NEVER TOLD ME BEFORE THE WIRELESS WAS CONNECTED THAT I HAVE TOPAY ANOTHER CONNECTION FEES,OR I WOULD JUST CANCELTHEIR SERVICE.

Business Response: Initial Business Response /* (1000, 5, 2014/08/05) */ August 5, 2014 Better Business Bureau **** ******* *** *** *** DuPont, WA 98327 Email: ******************@thebbb.org ****# XXXXXXXX, ******** ***** Dear *** *********** I am in receipt of and have reviewed the above referenced complaint filed by *** ***** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** ***** is disputing owing this debt since she claims she never authorized the conversion from DSL to Wireless. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client **** ******** on May 29, 2014. RPM mailed the initial dunning letter, advising *** ***** of her right to dispute, to the address of *** ** ******* *** ***** ** Danville, IL 61832 on June 1, 2014. RPM was unaware of the disputed balance until we received the complaint from your office. RPM immediately ceased collection activity, coded the account as a dispute and contacted our client for validation. As soon as the validation is received, RPM will forward it to *** ***** for her review. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (2000, 7, 2014/08/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received your letter regarding Receivable performance ceased collection activity coded account as dispute which it should not went to collection Bureaus that prevented me from getting loans and embarrass me, because I wrote RPM that I do not owe **** because I always pay them on time,and to stop the collection right away. I was ignored,this is why I asked for help from your office,and I thank you for helping.I hope that Receivable Performance will clear my name to all Credit Bureaus right away. ******** *****

8/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They keep calling me asking for ******* ******** and wanting to collect on a debt from ******** I have never had ******* and they are trying to scam and/or collect on a debt that is not mine.

Desired Settlement: I want them to stop all calls and communication and collection.

Business Response: Initial Business Response /* (1000, 5, 2014/07/08) */ Email: ******************@thebbb.org Case# XXXXXXXX, ******* ****** Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** is complaining that RPM is calling a wrong number. After review of our records I offer the following response on behalf of RPM: RPM received a file on May 28, 2014 from our client ******* for a consumer that is not Ms. ******. RPM is withholding the name of that consumer to prevent a third party disclosure in violation under the Fair Debt Collection Practices Act (FDCPA). The telephone number (XXX) XXX-XXXX, was obtained from a third party skip trace vendor and RPM made 5 no contact telephone attempts to this number. Upon receipt of this complaint, RPM coded this telephone number as a "Wrong Number" and have not attempted it since. RPM apologizes to Ms. ****** for any inconvenience these call attempts to reach our consumer may have caused . RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (2000, 7, 2014/07/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

8/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted the company to pay off this account, I made the payment and the representative stated once the payment cleared they would remove the account from my credit report. However, this account is still appearing as of today Account Number: XXXXXXXX Date Opened: 03/2013 Status: Paid,Closed. My Social Security # XXX-XX-****

Desired Settlement: Have this account removed from my credit report as I have already paid off the amount owed and they promised they would have the account removed from my credit report once the payment cleared

Business Response: Initial Business Response /* (1000, 5, 2014/07/21) */ Case# XXXXXXX, **** ********* Dear Ms. *********** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********* contends that RPM was required to remove the account trade-line from his credit history because he paod the debt. After review of our records I offer the following response on behalf of RPM: RPM received Mr. *********'s account from our client **** ****** ***** on March 25, 2013. That balance was paid by Mr. ********* on July 10, 2013 and a Paid in Full Letter was sent to him. RPM has no record of any agreement with Mr. ********* to delete the trade-line, in fact, RPM is required under the Fair Credit Reporting Act (FCRA) to accurately update the status of an account. In this case, the account was properly updated to reflect the paid in full status. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

8/4/2014 Billing/Collection Issues
7/31/2014 Billing/Collection Issues
7/25/2014 Billing/Collection Issues
7/22/2014 Problems with Product/Service
7/17/2014 Problems with Product/Service
7/16/2014 Billing/Collection Issues
7/15/2014 Billing/Collection Issues
7/15/2014 Billing/Collection Issues
7/15/2014 Problems with Product/Service
7/2/2014 Billing/Collection Issues
7/1/2014 Billing/Collection Issues
6/30/2014 Problems with Product/Service
6/26/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: In the past 2 weeks I have been contacted by this agency to collect a debt. I have been screamed at, badgered, and called at my place of work, when I asked them not to.

Desired Settlement: I am requesting that this agency does NOT contact me, my friends, family, and especially NOT TO EVER CALL ME AT MY OFFICE! I do not know how they found my office phone number, as it does NOT appear on anything relating to credit or an application for anything. I feel the manner in which they speak is threatening, upsetting, and totally unprofessional...it is HARASSMENT.

Business Response: Initial Business Response /* (1000, 5, 2014/06/09) */ Case# XXXXXXXX, ***** ****** Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ****** alleges that RPM's representative began calling her within the last 2 weeks at home and her place of employment and was screaming at her, badgering her and continued calling her employment even after being told to stop. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******* on March 18, 2014. RPM mailed Ms. ****** an initial dunning notice advising her of her right to request verification of the debt on March 20, 2014 to the address of *** ** ********* **** West Grove PA XXXXX. RPM began attempting to contact Ms. ****** by telephone. Ms. ****** called our office 3 times: March 28, 2014, March 31, 2014, and on April 1, 2014. She was questioning the amount of the debt. RPM contacted Ms. ****** two times: May 24, 2014 and June 5, 2014. I listened to the recording of both calls. During the May 24, 2014 call, RPM's representative became too assertive, but not screaming, while trying to negotiate this debt. When he found out he was calling at an inconvenient time, he should have ended the call. This representative has been disciplined for his actions. The June 5, 2014 conversation Ms. ****** asked us to cease calling, which RPM did. Our client recalled the account on June 6, 2014 and RPM is no longer attempting to collect the debt.RPM does wish to apologize to Ms. ****** for any grief this matter may have caused. RPM will assume this response has resolved the complaint. If you have additional questions regarding our handling of this matter I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/06/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Although I accept their apology..I want it to be part of this record that on May 24th or 25th, when a rep from RPM contacted me while I was dining at a public restaurant...and I asked if I could contact him back as I was eating...his response was 'WELL, WHAT'S MORE IMPORTANT TO YOU, FOOD OR PAYING YOUR BILLS?" This is an example of how I was spoken to and harassed. I also DEMAND to know exactly how RPM found my private work phone number, since it is not listed on anything other than my tax returns. Is it common practice for them to access your personal information through tax returns??? I THINK NOT!!!

6/13/2014 Billing/Collection Issues
5/29/2014 Problems with Product/Service
5/29/2014 Billing/Collection Issues
5/28/2014 Billing/Collection Issues
5/21/2014 Billing/Collection Issues
5/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Receivables Performance Management received a letter by certified mail 02/18/2014 requesting substantiation of charges, a request to disclose itemized billing, and a request to correct billing errors that could not be proven. Improper collections practices (11-1106) include that they are still falsely reporting this debt to credit reporting agencies, while Failing to Substantiating Charges (11-1105) Failing to Provide itemized Billing (11-1104) and subsequently Failing to correct Billing Errors (11-1101.)

Desired Settlement: I require that Receivables Performance immediately removes any and all false reporting from all credit reporting agencies. The debt is not valid, has not been proven to show my ascent and signature, and should not in any way be tied to my creditworthiness. Furthermore, Receivables Performance must furnish proof that they are removing this false report from my credit report with a specific date that is to be no more than thirty days beyond the originating date of this complaint. Should Receivables Performance fail to address the four complaints herein, further complaints will be filed accordingly.

Business Response: Initial Business Response /* (1000, 5, 2014/04/21) */ ****# XXXXXXXX, ****** ********* Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. *********'s disputes a debt RPM attempted to collect and claims RPM is falsely reporting this debt on his credit history. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******** on September 18, 2012. RPM mailed Mr. ********* an initial dunning notice advising him of his right to request verification of the debt on September 21, 2012 to the address of *** ** **** ******* South Bend, IN XXXXX. RPM received a letter of dispute on February 18, 2014, placed a dispute code on the account and contacted our client for validation. RPM also updated the account trade-line to reflect the disputed status on Mr. *********'s credit history. Verification was sent to Mr. ********* in March, 2014. Because Mr. ********* is continuing to dispute the balance after receiving verification, RPM will cease further attempts to collect the debt and return the account to our client. This however does not mean the debt is not owed or that ******** will cease further collection efforts. The trade-line being reported by RPM will be removed from Mr. *********'s credit history if and when the account is recalled. RPM appreciates having the ability to resolve this complaint.. If you need any further information, you can contact me directly at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/04/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) No such verification was ever received in March 2014 nor in April 2014. Additionally, I have not received an itemization of charges, or an indication of my personal ascent and signature on any agreeement from which charges may stem. By continuing to list this debt with Credit Reporting Agencies, RPM is responding with willful noncompliance to FCRA and FDCPA. Not only is the account in dispute, but this debt cannot be validated with any indication of my signature and thus should be removed from my credit history immediately. Should RPM actually wish to "resolve this complaint" it will be removed from my Credit History immediately and NOT under the circumstance "If and when the account is recalled" as this further indicates RPM's continued Willful Noncompliance with FCRA and FDCPA LAW. Final Business Response /* (4000, 17, 2014/05/20) */ Case# XXXXXXXX, ****** ********* Dear Ms. ******* I am in receipt of and have reviewed the above referenced second rebuttal complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). Mr. ********* is requesting proof that RPM has removed all negative reporting from the credit bureau. After review of our records I offer the following response on behalf of RPM: RPM submitted a deletion request via eOSCAR on May 5, 2014. The AUD confirmation # provided by eOSCAR is XXXXXXXX. Mr. ********* should allow up to 45 days for the credit reporting agencies to process the request. RPM has no control over how long it takes the credit reporting agency to update his credit history. RPM appreciates having the ability to resolve this complaint.. If you need any further information, you can contact me directly at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (4200, 14, 2014/05/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Mr. ******* has not been able to provide validation of the debt, has affirmed that ******** will service said debt - which cannot be validated, but HAS NOT confirmed that RPM will be removing any and all reporting to credit reporting agencies, or WHEN this should occur. While I can appreciate that RPM has provided a direct contact phone number, I am asking for a written response via BBB or direct mail indicating that the false credit reporting will be removed by a stated date, or direct indications that such reporting has already been removed from all credit reporting agency files.

5/7/2014 Problems with Product/Service
5/7/2014 Billing/Collection Issues
5/5/2014 Billing/Collection Issues
5/5/2014 Problems with Product/Service
4/28/2014 Billing/Collection Issues
4/28/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company has an automated system that calls daily at any one time 3000 and although may not be calling the correct business or person it continues to do so and hangs up. When contacting the company , both representatives and the manager were very rude and would not address the issue to correct the system and were very rude when asked to be removed from the list as the three people they were calling had nothing to do with our business and were not related in any way. These continuous calls are disruptive and tie up our lines every day.

Desired Settlement: We want our number to be removed from their list and although we understand they are a collection company and as so use the practice of being rude and do not use any customer service, if they do not have the right information, they should kindly remove the incorrect information as they are harrassing wrong companies and they are in the wrong and should be apologetic rather than disrespectful and rude on the phone. It is there mistake.

Business Response: Initial Business Response /* (1000, 5, 2014/04/09) */ Case# XXXXXXXX, ********************** Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by ********************** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. The complainant alleges that RPM is calling their business for someone that they do not know. When calling RPM, the complainant stated the RPM representative who spoke to them was rude. After review of our records I offer the following response on behalf of RPM: RPM did receive a file from our client that was not **********************. RPM is withholding that consumer's name to prevent a third party disclosure in violation of the Fair Debt Collection Practices Act (FDCPA). RPM was advised by telephone on April 2, 2014 that (XXX) XXX XXXX which RPM thought was a good number for that consumer was a wrong number. RPM immediately coded it as a wrong number and ceased all further call attempts. We are unable to locate a recording of the call where contact was made, however RPM apologizes if our representative was perceived to be rude. That is not the manner in which we train our employees or expect them to deal with the public. RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

4/23/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company called me on a weekly basis for almost two months despite the fact that I informed them each time I am not the various ***** they are looking for. (In these instances, the first names were slightly different.)Now they call me daily on a roboline that gives out a dead (not answering and recording) phone number. I am considering legal action (I am 90 years old and answering the phone is a task for me.) However, I am making the complaint hoping your organization can resolve it.(and from what I see on the internet I am far from alone in the wrong people being constantly contacted.)

Desired Settlement: I wish my telephone number to be taken off all their call lists.

Business Response: Initial Business Response /* (1000, 5, 2014/03/14) */ ****# XXXXXXXX, ******* **** Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by ******* **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. The complaint alleges that RPM is continually placing calls after being advised to stop. After review of our records I offer the following response on behalf of RPM: RPM received a file from our client ******* ******** for a consumer that is not ******* ****. RPM is withholding the name of that consumer to prevent a third party disclosure in violation of the Fair Debt Collection Practices Act (FDCPA). RPM obtained the telephone number of (XXX) XXX XXXX from our Trans Union data vendor. Believing it was a valid number to reach our consumer. According to our business records, RPM attempted this telephone number 21 times between January 24, 2014 and March 1, 2014 with no record of making contact. Until receipt of this complaint from your office RPM was unaware we were callings a wrong number. RPM immediately placed a "Do Not Call" code on this number and ceased further attempts. RPM sincerely apologizes to ******* **** for any inconvenience and strain our call attempts may have caused. RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/03/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) We are appreciative that the company has ceased calling our number after we filed a complaint with the BBB. However, as mentioned, we were called 21 times in a little over 30 days. The first contacts were answered by us personally to a representative who we told that it was the wrong person/number. Re the rest of the calls made to us, we were not able to talk again to a living representative because the calls were all robo calls and the number given to call back consistently did not answer even after ringing it frequently 30 or more times. We appreciate the company taking us off their call listand trust it won't happen againbut we feel we cannot let the misrepresentations in their response go unanswered, Final Business Response /* (1000, 24, 2014/04/09) */ ****# XXXXXXXX, ******* **** Dear Ms. ******* I am in receipt of and have reviewed the above referenced follow up complaint filed by ******* **** against Receivables Performance Management, LLC (RPM). The rebuttal response implies that RPM's response was a misrepresentation of the facts because RPM stated no contact was ever made. After review of our records I offer the following response on behalf of RPM: RPM has reviewed its business records and reiterates that no contact was ever made with anyone at telephone number (XXX) XXX-XXXX. Please review the attached outbound dialing report, which reflects 21 no contact telephone attempts made. The column on the far right shows the connected time, all are 00:00:00. As indicated in our first response, RPM ceased all further attempts to this number. RPM again apologizes for the inconvenience. RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Attachment: Outbound dialing report ***SUPPORTING DOCUMENTS REDACTED BY BBB***

4/23/2014 Billing/Collection Issues
4/23/2014 Billing/Collection Issues
4/23/2014 Problems with Product/Service
4/23/2014 Billing/Collection Issues
4/22/2014 Billing/Collection Issues
4/21/2014 Billing/Collection Issues
4/21/2014 Billing/Collection Issues
4/18/2014 Problems with Product/Service
4/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company has placed some type of collection on my credit report I have no idea what it is no one has tried to call or sent a letter about a collection - all my bills are paid and up to date I have no idea what this is about other than they are ruining my credit

Desired Settlement: restore my credit

Business Response: Initial Business Response /* (1000, 5, 2014/01/14) */ Case# XXXXXXXX, ******* ******** Dear *** ******* I am in receipt of and have reviewed the above referenced complaint filed by *** ******** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Unfortunately I can't locate a file in our office by name, street address or e-mail address.. If *** ******** can provide additional demographic information: a telephone number RPM is calling; social security number; etc, RPM will attempt to locate the file and answer this complaint. RPM apologies for any inconvenience and will search for a subject file once more information is provided. If you have further questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 7, 2014/01/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have called and spoken to this company after seeing the phone number in the response after speaking with them they agree that the person using my SS# is not me and stated that they have sent a request for the collection they placed to the credit reporting agencies to be removed. unfortunately this has not happened as of yet and I am requesting that the BB case stay open and not be closed until the false collection is removed from the credit agencies thank you ******* ******** Final Business Response /* (4000, 27, 2014/04/09) */ ****# XXXXXXXX, ******* ******** Dear Ms. ******* I can sense the frustration Mr. ******** is experiencing, however RPM has done everything it can to correct this error. RPM has searched it records and can not locate any debt placed at RPM that he owes. Apparently RPM sent a report to the 3 major credit bureaus on another consumer. That report was mistakenly placed in Mr. ********'s credit report by one or all of the credit reporting agencies. RPM has sent a request to the agencies to delete that rating that was erroneously placed. RPM has no control when or if the credit bureaus will remove this rating. Mr. ******** has the right to dispute this rating directly with the credit bureaus and I suggest this may be his best course of action. RPM apologies for any inconvenience and will assume this response has resolved the complaint. If you have further questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (4200, 11, 2014/02/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) as of this time I am still showing the collection on my credit history of the three credit bureaus until this information is removed from the credit history I do not want to closed the BBB complaint As soon as I have been informed from the credit bureaus that the collection has been removed I will update the BBB complaint otherwise all I have is an email saying the collection will be taken off - that is not the same as the false collection being removed from by credit history thank you ******* ********

4/11/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Constant callsday and night. Asking for a first name I don't knowbut using my last name. I always tell them that person does not live here and to stop calling, but they persist and then call and ask for another first name, using my last name. They also call and hang up at timesand call when I am not home and don't leave a message.I see their name on my caller ID. I have asked them many times to stop calling meI owe no money and do not know the person or persons they are calling forbut they still persist. It is harassmentand I am not the one they should contact if a debt is owed to them.

Desired Settlement: I just want their calls to stop.

Business Response: Initial Business Response /* (1000, 7, 2014/04/09) */ Case# XXXXXXXX, **** ******* Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* states that RPM is harassing her by calls asking for someone else, even after she has advised RPM to stop calling. After review of our records I offer the following response on behalf of RPM: RPM received three different accounts from different clients that were not Ms. **** *******, between August, 2013 and February, 2014. RPM is withholding the names of these consumers to prevent a third party disclosure in violation of the Fair Debt Collection Practices Act (FDCPA). RPM's client contracts prohibit us from sharing consumer information between clients; as a result RPM was unaware that we were attempting the same telephone number on three different accounts. The telephone number (XXX) XXX-XXXX, has been coded as a wrong number on all three accounts and placed on our permanent "Do Not Call"list. RPM apologizes for any inconvenience our calls caused Ms. *******/ RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (2000, 9, 2014/04/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) On the condition that the calls from them to me at XXX XXX-XXXX stop immediately.

4/7/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Set-up a payment plan and was still harassed with dozens of calls until I spoke with a manager. Was frequently hung up on by Customer Service Reps. Set-up a payment plan and was still harassed with dozens of calls until I spoke with a manager. Was frequently hung up on by Customer Service Reps. Have called back multiple times to make payments/change payment dates and will be hung up on before even speaking with a representative.

Desired Settlement: To improve their customer service practices.

Business Response: Initial Business Response /* (1000, 10, 2014/02/25) */ ****# XXXXXXXX, ******** ********* Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Mr. ********* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********* claims that RPM continued to call him after he made payment arrangements, even though he called us to change the amounts and dates of the payments. After review of our records I offer the following response on behalf of RPM: RPM and Mr. ********* did enter into a mutually agreeable payment arrangement on December 27, 2013. After the first payment was processed, RPM called Mr. ********* in error. Investigating the reason for the calls, we believe there was a clerical error in the set up of the payment arrangement. RPM apologies to Mr. ********* for this error. Mr. *********'s second payment (January 15, 2014) was declined due to insufficient funds, RPM was correct in attempting to contact *** ********** Ultimately *** ********* called RPM and we mutually agreed upon a new payment arrangement of amounts and dates. Thus far that new agreement has been maintained. RPM appreciates Mr. *********'s desire to pay this debt and RPM looks forward to working with him towards that resolution. RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Initial Consumer Rebuttal /* (3000, 12, 2014/02/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The account never had insufficient funds and I called multiple times to inquire why the payment was not deducted from my account and was frequently told to call back in a few days. In addition this does not address the fact that I was hung up on on multiple occassions when attempting to rectify the situation. It is also poor business practice to mispell someones name in a reply and not proofread their response. Final Business Response /* (4000, 17, 2014/03/24) */ Case# XXXXXXXX, ******** ********* Dear Ms. ******* I am in receipt of and have reviewed the above referenced follow up information provided by Mr. ********* against Receivables Performance Management, LLC (RPM). Mr. ********* states that he never had insufficient funds; he is upset that RPM hung up on him several times and we have misspelled his name. After review of our records I offer the following response on behalf of RPM: The payment arrangement was scheduled to be processed on Mr. *********'s credit card. The second payment (January 15, 2014) was declined due to insufficient funds. Perhaps Mr. *********'s credit card company never notified him, but that payment was not approved. Ultimately *** ********* called RPM and the parties mutually agreed upon a new payment arrangements. The final payment was processed march 16, 2014 and the account balance is paid in full. It was never RPM's intent to hang up on Mr. ********* and if that occurred, we apologize. RPM also wishes to apologize for any misspelling of Mr. *********'s name; however we have spelled the name consistent with how our client DirecTV provided it to us which matches the spelling listed on this complaint. If RPM made a typo or a series of typos we apologize. RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

4/2/2014 Problems with Product/Service
3/31/2014 Problems with Product/Service
3/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I spoke with **** ****** at the Columbus, Georgia branch in regards to a collections that has been reported to the credit bureau. I was told the collections was placed by ***** ****** for breach of contract and that I owe for a year. I do not owe them (I will file a complaint for them as well). I have asked both ***** ***** and **** ****** to produce this so called contract. I asked Mr. ******, if just anyone could say someone owed them money be put on collections and reported to the credit bureaus with no evidence. He responded with they would have to prove it but he can produce the evidence because the company destroys it after a year.

Desired Settlement: This collections has cost me time and money. However, at this time, I only request that this is removed from collections since there is no evidence I owe this. In addition, removed from my credit report as if it never existed.

Business Response: Initial Business Response /* (1000, 7, 2014/03/24) */ To Whom it May Concern RPM has conducted a search for an account using the information listed in the complaint including Mr. ******'s name, telephone number, and address. RPM was unable to locate any account matching any of those items. In addition, RPM is a third party collection agency specializing in telecom and communication companies. RPM does not do business with either entity listed in Ms. ******'s complaint. It is my belief that Ms. ****** filed this complaint against the wrong entity. If Ms. ****** has further information I am happy to review it and continue searching for a file, however absent any further information RPM will consider this matter closed. **** ** **** Director of Compliance & General Counsel Final Consumer Response /* (2000, 9, 2014/03/26) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/19/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company calls our house multiple times a day seven days a week for a person who has never lived here. We have informed them they have the wrong number, that no we don't know the person they're calling for and to stop calling. They continue to call. We also informed them we are on the do not call list.

Desired Settlement: For them to stop calling us.

Business Response: Initial Business Response /* (1000, 7, 2014/02/25) */ ****# XXXXXXXX, ******* **** Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Ms. **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. **** states that RPM called her multiple times a day, seven days a week for a person that does not reside with her. RPM is continuing to call even after Ms. **** told us to stop calling and is on a National Do Not Call List. After review of our records I offer the following response on behalf of RPM: RPM received a file from our client Sprint for a consumer who is not Ms. ****. RPM is withholding this consumers name to prevent a third party disclosure under the Fair Debt Collection Practices Act (FDCPA). RPM obtained the telephone number (XXX) XXX-XXXX from a third party vendor as a good number to contact our consumer. RPM began making telephone attempts, however all attempts were at times deemed convenient by §805a (1) of the FDCPA. RPM pulled the recording of our February 8, 2014 contact, which was the only contact RPM's business records indicate. Listening to that recording, RPM was advised to stop calling as the consumer we were trying to reach did not live there. RPM placed a "Do Not Call" code on that number and has not attempted it since. Ms. ****'s telephone number may be on the National Do Not Call Registry, however that registry is for telemarketers, not collection agencies. RPM apologizes to Ms. **** for any inconvenience our call attempts caused. RPM will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

3/19/2014 Billing/Collection Issues
3/19/2014 Problems with Product/Service
3/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter in the mail from Receivables Performance Management (RPM) stating that "my account" has been listed with them. They have stated that the creditor is ********* ******** I have never had an account with ********* ******** I have told ********* ******* in the past that the accounts (they had 2 or 3 accounts in my name!) that they had was not valid before. They then started sending me offers to get a credit card, which I never wanted, nor did I ever sign a contract for. They stopped contacting me after I told them I didn't have any accounts with them and they couldn't produce the proof of such accounts and/or judgements. Now I am getting this letter from someone else - RPM, on their behalf asking for the same amount of money.

Desired Settlement: For them to send me proof (and/or judgements) of such account(s) with my signature on the contract(s). If they have this one from ********* ******* then they probably have more.

Business Response: Initial Business Response /* (1000, 5, 2014/02/25) */ ****# XXXXXXXX, ******* ******* Dear Ms. ******* I am in receipt of and have reviewed the above-referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* is disputing this debt and is requesting validation. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ********* ******* ******** LLC, for a debt that was originally an ******* *********** on January 14, 2014. After making contact with Ms. ******* on January 30, 2014, an initial dunning notice was sent on February 1, 2014 advising her of her right to request verification of the debt. Until receiving this complaint, RPM was unaware that Ms. ******* was disputing the debt. RPM immediately ceased collection activity, placed a dispute code on the account and contacted our client for validation. Copies of the monthly billing statements for the ******* ********** account have been received and forwarded to Ms. ******* for review. Although we have provided Ms. ******* with verification of the debt, due to her stated dispute, we have closed our file and returned the account to our client, ********* ******* ******** LLC, along with a copy of this complaint and our reply. RPM appreciates the opportunity to respond. If you have additional questions regarding our handling of this account, I can be reached at (XXX) XXX-XXXX. Very Truly Yours, **** ** **** Director of Compliance & General Counsel

3/5/2014 Billing/Collection Issues
3/5/2014 Billing/Collection Issues
3/4/2014 Problems with Product/Service
2/18/2014 Problems with Product/Service
2/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is trying to collect on a debt from ************ that does not exist. We called ************ today and there is a 0 balance and no referral to collections on our account. I checked my credit report today and have 0 accounts in collection. We believe this to be a scam.

Desired Settlement: Resolve this issue and stop making harrassing calls to us.

Business Response: Initial Business Response /* (1000, 5, 2014/02/03) */ ****# XXXXXXXX, **** ****** Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). Mr. ****** is complaining that RPM is trying to collect a debt that does not exist. He believes this is a scam and wants the calls stopped. After review of our records I offer the following response on behalf of RPM: RPM received two accounts from our client **** for a consumer that is not Mr. **** ******. RPM is withholding that consumer's information in order to prevent a third party disclosure in violation of the Fair Debt Collection Practices Act (FDCPA). RPM obtained the telephone numbers: (XXX) XXX XXXX and (XXX) XXX XXXX from a third party vendor as supposedly good numbers to reach our consumer. All telephone attempts were made solely to reach that consumer. RPM apologizes to Mr. ****** for any inconvenience we may have caused. Both of these telephone numbers have been added to RPM's do not call list and removed from the account. We appreciate the opportunity to resolve this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

2/13/2014 Problems with Product/Service
2/6/2014 Billing/Collection Issues
2/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Over the last 3 months or more, this company has been calling and harrassing me regarding two ****** *** student loans. I've told Receivables Performance Management representatives several times that this debt does not belong to me and also that I dispute the debt as I did not sign any of the paperwork regarding the loans and I am not the student on the loans. The student in question is my ex-wife. RPM has called me from various 1-800, 206 and 425 area code numbers and harrassed me the following days: 10/25/13 10/28/13 10/29/13 10/30/13 10/31/13 they called four times this day. Halloween is more important than thankstaking, or christmas in my family and to have been interrupted 4 times was very disruptive to me and my children. 11/6/13 11/7/13 11/8/13 11/12/13 they called three times this day including while I was at work. 11/14/13 they called two times this day. 11/15/13 two times this day. 11/18/13 two times this day. 11/20/13 two times this day after 8pm. 11/21/13 three times this day including while I was at work. 11/22/13 two times this day while I was at work. 11/25/13 three times this day including while I was at work and one call at 8:56pm. 11/26/13 two times this day. 11/27/13 11/29/13 12/3/13 12/4/13 four times this day including once after 8pm. 12/12/13 once this day at 8:24pm. 12/15/13 once this *Sunday* at 8:04am. 12/17/13 twice this day. 12/19/13 12/20/13 three times this day. 12/21/13 once this *Saturday* at 8:06am. 12/23/13 four times this day throughout my workday. 12/24/13 Today the representative called me at work at 8:00am, which was very distressing as I had just arrived and barely began my day. I didn't catch the representatives name, but the conversation was immediately confrontational and he asked several times if it was my debt and I told him no I was not the student on the loans he referred to. He tried to insist I was, then asked me how long I had owned my home and recited my address. He then told me that the company was going to take me to court and put a lien against my current wife and I's home for my ex-wifes student loans, which is a scary situation as we are a one income family and losing our home would be devastating. I then asked him how he got my work number to which he replied, "I'm a debt collector, it's what we do." or something to that effect, which was very intimidating. He repeated several times that the call was being recorded, so you may be able to get the recording. I then had another call come in on another work extension, so I told him I was putting him on hold and took the other work related call. When my work related call was over, the RPM representative was gone and I noticed another voicemail on my cell phone from RPM. Several of these calls made after 8:40pm, which I understand is within their legal right according to the Fair Debt Collection Practices Act (FDCPA) but I feel that they are pushing their limits in their practices as they've called on weekends and close to the 9pm limit. I have also requested several times to obtain the original documents for these loans so that I can verify that I didn't sign the documents as I was out of the country and my ex-wife had power of attorney. I would have never agreed to these outrageous loans had I the choice in this matter and this is one of the major reasons which lead to our divorce. Thank you for your time.

Desired Settlement: I'd like to receive any and all documents related to this debt and I'd like RPM to stop harrassing me and I'd like to know how they are obtaining my personal information. The original debtor ****** *** has refused to send me the documents and I don't know how I am going to be able to dispute this debt without the documentation.

Business Response: Initial Business Response /* (1000, 6, 2014/01/14) */ Case# XXXXXXXX, ***** ********** Dear Ms. ******* I am in receipt of and have reviewed the above referenced follow up complaint filed by Mr. ********** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. ********** is complaining that RPM is harassing him about his ex-wife's student loans. He disputes owing the debt and claims we are threatening the file suit. After review of our records I offer the following response on behalf of RPM: RPM received two accounts from our client ********* ******* ******* for delinquent ***** *** student loans. The first file was received on December 9, 2013 and the second on December 20, 2013. ********* ******* ******* places delinquent files with RPM for legal action. When our legal department manager spoke with Mr. ********** on December 24, 2013, this information was conveyed to him. When Mr. ********** disputed the debt, collection activity ceased, a dispute code was placed on the accounts and RPM contacted our client for validation. That validation has been received and forwarded to Mr. ********** for his review. After review, if Mr. ********** wishes to discuss resolution I invite him to contact our legal department at (XXX) XXX-XXXX. RPM appreciates the opportunity to resolve this matter. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

2/4/2014 Billing/Collection Issues
2/3/2014 Billing/Collection Issues
1/31/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company calls daily for a debt collection. I have no debts. I have asked them to stop calling but they do not.

Desired Settlement: Stop calling every day looking for someone who isn't me.

Business Response: Initial Business Response /* (1000, 5, 2014/01/29) */ ****# XXXXXXXX, ****** ******* Dear Ms. ******* I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Ms. ******* is complaining that RPM is calling her every day for a debt that is not hers and RPM has continued calling her after she told us to stop. After review of our records I offer the following response on behalf of RPM: RPM received this account from our client **** on October 21, 2013 for a consumer that is not Ms. *******. RPM is withholding the name of our consumer so there is not a violation of FDCPA 3rd Party Disclosure. RPM did obtain the telephone number of XXX XXX XXXX from our Trans Union vendor as a good number to contact our consumer. RPM did not call every day, as a matter of fact between October 27, 2013 and January 19, 2014 (55 calendar days), RPM made 30 no contact telephone attempts. Since RPM never spoke with anyone at this number, RPM never received a request to stop calling until the receipt of this complaint. The telephone number is now coded as a wrong number. RPM apologizes to Ms. ******* for any inconvenience. RPM appreciates the opportunity to resolve this matter. If you have further questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (2000, 7, 2014/01/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) I would like to add that I just pulled up my phone records and I show calls made approximately every 2 days, the last one was 1/24/2014. I cannot recall the day I spoke to your Indian representatives, but I do know that I told them to stop calling. Perhaps if they spoke better English, they'd have understood me. Thank you for removing me from your database.

1/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 10-1-2013 I received an email from an at that time unknown company stating that I had a collection account and to follow the provided link for details. The link required a zip code and mine did not work. I responded to their email notifying them of such. On 10-19-2013 I received the same email again. I followed the link and tried all my old zip codes and one from 3 prior residences took me to an "offer" to accept 50% payment for an old collection account with ***** I had disputed this account with **** since 2012 and thought that it was settled as I had not heard anything from **** since my last correspondence with them over a year ago. I requested via mail the details of the account to verify that **** had corrected the disputed charges. On 11-16-2013 I received from RPM a copy of the last 3 monthly bills from **** which did nothing to address the issue I had with **** which was months before the earliest bill they had provided. In an effort to get this behind me I mailed them a check for $217.34 (50% of the claimed amount due)which they received and cashed. I found out in December that RPM then placed the other 50% into collections on my credit bureau report. I called them and they stated that I had missed the deadline for accepting the offer. I sent them a letter but they have not responded. I view this as a deceptive collection practice.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Remove claimed balance due from collections and my credit report and accept the 50% payment as settled in full per their offer.

Business Response: Initial Business Response /* (1000, 5, 2014/01/15) */ ****# XXXXXXXX, ****** **** **** Dear *** ******* I am in receipt of and have reviewed the above referenced complaint filed by *** **** against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** **** states that he accepted and paid a settlement offer and was later told the offer had expired. After review of our records I offer the following response on behalf of RPM: RPM received this account from our client **** on August 16, 2013. RPM sent the initial dunning letter, advising *** **** of his right to dispute, on August 17, 2013 to the address of 227 ** ***** **** Santa Barbara, CA 93101. RPM had no contact with *** **** however sent him a settlement offer in October, 2013. *** **** then disputed the debt and RPM provided validation. In response, *** **** paid the $217.34 offer on November 21, 2013, however the offer had expired. When the complaint from your office was received, this file was reviewed and RPM and **** have agreed to accept the payment as a settlement. The coding on the account has been changed to reflect that and the revised credit bureau rating was sent on January 14, 2014. RPM appreciates the opportunity to resolve this matter. If you have further questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (2000, 7, 2014/01/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) They have honored their settlement offer that I was delayed in accepting due to RPM using an old address. Had they done so originally I would not have a negative credit report and I have not seen anything reflected on my credit report showing it paid but I will accept their statement as true.

1/22/2014 Billing/Collection Issues
1/16/2014 Problems with Product/Service
1/16/2014 Problems with Product/Service
1/16/2014 Problems with Product/Service
1/13/2014 Billing/Collection Issues
1/13/2014 Billing/Collection Issues
1/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my credit report and found that I am being collected on by Receivables Performance Management for a debt owed to ********* I gave ******** a call and they couldn't give me any information on the account without me giving them more of my personal information. From there, all they could tell me was to get into contact with the collection agency to see what was happening. So I gave Receivables Performance Management a call and they told me it was a debt to ********* which was opened in New Mexico and the amount that was due. I pleaded my case to both ******** and Receivables Performance Management, both of them said there was nothing they could do for me. This is so ridiculous! I'm being collected on for a debt that is not even mine and in a state that I've never lived in! This is hurting me and my family so much. I'm about to lose my job over this. Here's my account number XXXXXXXX

Desired Settlement: I would like Receivables Performance Management to remove this invalid debt from my credit report.

Business Response: Initial Business Response /* (1000, 5, 2013/12/11) */ ****# XXXXXXXX, ***** ******* Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ******* against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. *** **** is disputing owing the debt and claims he wants it off his credit bureau report. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******* on June 28, 2013. RPM sent *** ******* an initial dunning letter on June 30, 2013 to his last known address of *** ****** ********** Espanola, NM 87533. RPM never made contact with *** ******* until November 11, 2013, when he called our office regarding the credit bureau reporting of August 13, 2013. Our client recalled the account on November 13, 2013 and this file was returned to ******** RPM sent a request to delete the account trade line from the credit bureaus on November 26, 2013. RPM apologies for the inconvenience and will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (3000, 7, 2013/12/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept this response because this invalid debt is still being reported to the credit bureaus. Also, why was i addressed as *********** and ***** ****** in the collection agency's response? Final Business Response /* (4000, 9, 2013/12/23) */ To Whom it May Concern, As stated in the original response, RPM sent the deletion notice to the three major credit bureaus on November 26, 2013, in conjunction with our client's request to return this account to them. RPM does not control the time needed for the credit bureaus to update their records, and in some cases it may take 30-45 days for the infomration to update. The original response letter was addressed to *** ***** because she was the Better Business Bureau case manager at the time. Listing *** **** in the original letter was just a mistake I made in typing. I apologize for that error. RPM apologies for the inconvenience and will assume this response has resolved the complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

1/9/2014 Billing/Collection Issues
12/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a hang up call from the number XXX-XXX-XXXX. When I called the number back I was informed it is a debt collector, try to collect on an account I closed with ******** a year ago. The account had no outstanding balance, yet the company tells me I owe them $49 and change. I requested a copy of the last statment from ********, the representative, had date they said they sent one. But, I have never received any notice of an outstanding balance from ********* After one of the representatives, looked at my account information from ********* and determined, I do not have a balance, just the fees Receivables Performance Management is requesting. They put me on hold and then hung up on me.

Desired Settlement: I want Receivables Performance Management to clear my name. I don't have an outstanding balance and they have no right to request fees for something I don't owe.

Business Response: Initial Business Response /* (1000, 5, 2013/10/30) */ ****# XXXXXXXX, **** ****** Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** ******'s complaint is that he disputes owing any balance to ******** After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******* on September 4, 2013. RPM mailed *** ****** an initial dunning notice advising him of his right to dispute the debt on September 5, 2013 to the last known address of XXXXX ******** **** Paramount, CA. *** ****** called our office on October 9, 2013 and indicated he would be getting paid in a couple of days and would call RPM to arrange payment. When no return call was received, RPM attempted to contact *** ******. Until we received the complaint from your office, RPM was unaware this debt was being disputed. Collection activity immediately ceased, a dispute code was entered on the account and RPM contacted our client for validation. When the validation documents are received, they will be forwarded to *** ****** for his review. RPM will assume the above response has resolved this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Consumer Response /* (4200, 12, 2013/11/26) */ The company has not sent any information to my address. Business Response /* (4000, 18, 2013/12/11) */ ****# XXXXXXXX, **** ****** Dear *** ***** I am in receipt of and have reviewed the above referenced follow up complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** ******'s complaint is that he has never received any validation documents from either DirecTV or RPM. After review of our records I offer the following response on behalf of RPM: Until we received the original complaint from your office, RPM was unaware this debt was being disputed. Collection activity has ceased, a dispute code was entered on the account and RPM contacted our client for validation. RPM has not reported anything to the credit bureau regarding this debt nor has collection activity resumed. When the validation documents are received, they will be forwarded to *** ****** for his review. RPM will assume the above response has resolved this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

12/12/2013 Problems with Product/Service
12/11/2013 Problems with Product/Service
12/10/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: These people continually call me at work/home even after I notified them to cease telephonic communication. The people who finally answer after I am autodialed are extremeley rude. I have yet to receive any type of validation letter from this so called company.

Desired Settlement: STOP CALLING Me. Provide validation letter or leave me alone.

Business Response: Initial Business Response /* (1000, 5, 2013/11/27) */ Case# XXXXXXXX, ********* ***** Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ***** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** *****'s complaint is that RPM is calling her home and work number after she requested the calls stop. In addition she claims RPM's representatives were rude and that she never received a validation notice. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******** ********* *** for a debt that was originally owed to ******** RPM sent the initial dunning letter advising *** ***** of her right to dispute the debt on July 18, 2013. This letter was sent to her last known address of * ****** ***** Sussex, NJ 07461. RPM has no record of receiving a response to this notice or two subsequent notices sent on August 21, 2013 and September 23, 2013. A review of RPM's business records does not indicate a conversation with *** ***** where she asked RPM to cease calling nor was a cease and desist letter ever received. RPM is treating this complaint as a cease and desist request and have accordingly stopped all further attempts to contact *** *****. There appears to be only two possible telephone contacts, however RPM was unable to retrieve these recordings and is without sufficient information to comment on our representatives tone. RPM apologizes to *** ***** if she feels our representatives were rude. The number one job value at RPM is to be respectful and compliant when speaking to a consumer. RPM will assume the above response has resolved this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel

12/2/2013 Billing/Collection Issues
11/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Double charged my account for the amount of $433.54. The customer service reps refused to give me their name. No manager available to handle the matter. Confirmation # DXXXXXXXX, DXXXXXXXX

Desired Settlement: Refund

Business Response: Initial Business Response /* (1000, 5, 2013/11/13) */ Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ************* against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** *************'s complaint is that she was double charged by RPM and wants a refund. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******** *** ************* called RPM on November 3, 2013 and agreed to a payment in full of $433.54 plus a transaction fee to be run that day. When RPM attempted to process the credit card payment the transaction was declined. *** ************* called RPM on November 4, 2013, was advised of the issue and authorized the transaction again. The only payment RPM shows as being processed occurred on November 4, 2013. The balance is now showing a zero and paid in full. *** ************* called our office on November 11, 2013 complaining that we had double charged her and wanted the money refunded. RPM's representative asked for proof of the double charge such as a bank statement, which *** ************* refused to provide. If RPM mistakenly processed two payments, we obviously want to refund her money. However our records only reflect one payment. If Ms.************* will provide some proof of this double payment being processed, we will investigate and promptly refund her payment. RPM will assume the above response has resolved this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We accidentally overlooked a bill we thought was in error from ********. By the time I contacted ********, they had sent it to this collections agency. ******** agreed we did not owe the full amount, but they had to get the bill back from this RPM. I call them and they say they will send a request to ******** to get what they need to get the bill returned to ********. Call a week later AND THEN RPM TELLS ME THEY NEED A LETTER FROM ME IN WRITING REQUESTING THIS. (this was NEVER MENTIONED BEFORE) I immediately send it out. Call again a week later and rpm then says ******** has to send them a form. Which ******** did on Oct. 10. I call RPM again and they never got the form from ********. I call ******** back again and they say have the collections people call them. So I call RPM again and they say they are not allowed to contact client companies. So I talk to someone else, and this person says they don't use forms to transfer bills back to the originating company that ******** MUST CALL THEM. So I am back with ******** and am told they are not allowed to call collections people!!! But the nice man went to the upper management and got permission to call RPM. A person answers (I am on hold with ********) and transfers the *** man to another person who then TRANSFERS HIM TO A MACHINE. He calls them right back and they are not answering their phones! I feel this collection agency led me down a long and incorrect road so I could not get this back to ********, threatening me with damaging our permanent credit rating, so they would get their fee!!!! In 47 years of marriage, we have never not met an obligation ever!!! I am recounting the facts as best I can remember them, as this all went on over several weeks, and each week I felt it was being taken care of. RPM needs to send the account back to ******** NOW. All conversations with both companies were recorded, so they have the dates, info etc. unless "editing" may occur with recordings. Account_Number: XXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) RPM NEEDS TO CLEAR MY ACCOUNT WITH THEM NOW AND SEND THE ORIGINAL BILL BACK TO ********, WITH WHOM WE HAVE ALREADY AGREED ON A PAYMENT, AS BOTH OF US MADE ERRORS ON THIS FINAL BILL.

Business Response: Initial Business Response /* (1000, 7, 2013/11/07) */ ****# XXXXXXXX, ******* ****** Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ****** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** ****** is disputing the debt RPM is attempting to collect and claims that ******** advised her she no longer owes the balance. *** ****** is alleging that RPM is delaying the resolution of the problem. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client ******** on September 12, 2013. RPM sent *** ****** a dunning notice advising of her right to dispute the balance to her last known address of **** ***** ***** Canyon Lake, TX 78133 on September 13, 2013. *** ****** called RPM on September 26, 2013 stating she was sending a letter of dispute. It was received on October 2, 2013. RPM ceased collection activity, coded the account as a dispute, and request validation from ********* After receiving this complaint, ******** advised RPM that they had made an adjustment to the balance and there is currently $0 due and owing. RPM will assume the above response has resolved this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

11/12/2013 Billing/Collection Issues
11/11/2013 Billing/Collection Issues
11/1/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Aside from the poor customer service experienced. RPM was suppose to send information out to help settle the debt to **** ******** as promised and did not send the requested invoice. Also the boxes were never shipped to the address to send back equipment. She received call at her daughter's house everyday since the request. my Mother is a senior citizen who had to move from her home due to failing health reasons. She is on a fixed income and had agreed to make payments to settle. She is being penalized for cancelling the account due to health and harassed in the process. I called **** network to inform them of the company that is representing them and informed them of their behavior. If I receive any harassment of any sorts to my house via phone or mail from RPM in this matter my attorney has been notified as they have all of our contact information. I hope you can help with this matter.

Desired Settlement: If we receive any harassment from RPM at this time an undetermined cash settlement will be requested.

Business Response: Initial Business Response /* (1000, 6, 2013/10/23) */ ****# XXXXXXXX, ***** ******** Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ******** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** ********'s complaint is that RPM has been calling her daughter's house everyday, even after *** ******** agreed to settle the account. In addition, RPM's representatives were rude and never sent them the boxes to return the equipment for credit. After review of our records I offer the following response on behalf of RPM: RPM received this file from our client **** on September 16, 2013. On September 17, 2013 an initial dunning notice advising *** ******** of her right to dispute the debt was sent to the last known address on file, ** **** ******* **** Graniteville, SC. This is the same address as listed on the complaint from your office. RPM never received a response to that letter. When RPM began making telephone attempts, we made two contacts with *** ********. The first contact was on September 25, 2013, at which time *** ******** indicated she couldn't presently pay the account, but perhaps she could in October. RPM did not resume call attempts until October. The only other contact was on October 13, 2013. I have reviewed a recording of the call where *** ***** ******** gave verbal permission to speak with her daughter. RPM was advised the boxes to return the equipment had never been received. RPM's representative advised *** ********'s daughter that we could have the boxes shipped to her, however there was a contractual charge of $17 to ship the equipment back. *** ********'s daughter asked to speak with a supervisor and RPM's representative provided her a toll free number to our Escalations Department. RPM's Escalation's Department has no record of receiving a call from *** ********'s daughter. In my opinion, RPM's representative was professional and not rude. RPM will cease further attempts to contact *** ********, however if *** ******** wishes to resolve the underlying account, I invite her to contact our Escalations Department or our Director of Compliance **** **** at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (4200, 12, 2013/11/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Agent needs additional training. Final Business Response /* (4000, 10, 2013/10/30) */ It is evident that *** ******** is not satisfied with RPM's handling of this matter, for that we apologize. As I stated in my original response, I did listen to the recording of the October 13, 2013 call. RPM's representative did act in a professional manner. **** has since advised RPM that there was a direct payment of $69.04 and a $0 balance on the account. RPM will consider this matter to be resolved. If you need to contact us further, please call XXX XXX-XXXX. Very Truly Yours, ***** ** ******* Senior Compliance Specialist

10/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company calls my house at least 6 - 10 times a day (anywhere between 8:30AM and 10:00PM). they are asking for personal information (which i will not provide over the phone) and are extremely rude. i asked previously for information to be sent in writing and have not received anything from them.

Desired Settlement: i would like for them to either send me the information and proof of debt through the mail, or to stop calling me. if they continue to call, once a day should suffice - NOT 10 times a day (sometimes two and three times within the same hour)!!

Business Response: Initial Business Response /* (1000, 5, 2013/10/17) */ ****# XXXXXXXX ***** ******** Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ******** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** ********'s complaint is that RPM has been calling her 6-10 times a day, calling as late as 10PM, asking her for personal information and have been extremely rude. In addition, she claims to have told our representative she disputes this debt and is seeking validation. After a review of our records I offer the following response on behalf of RPM: RPM has received four different accounts in *** ********'s name from various clients starting in December 6, 2011. Three of these accounts are no longer being actively collected by RPM. The only account we have called *** ******** about since March of 2013 is an account we received on September 26, 2013. This account was referred from our client ********* ******* ******** *** for a debt originating with ******* ********* RPM has no record of speaking with *** ******** regarding this account and all calls we made attempting to reach her were made between the hours of 8:00 AM and 9:00 PM Eastern Standard Time in accordance with §805(a)(1) of the Fair Debt Collection Practice Act (FDCPA). Until the receipt of this complaint, RPM was unaware that *** ******** was disputing the debt. Based on the dispute, RPM has ceased collection activity, closed our file, and returned it to our client. RPM will assume the above response has resolved this complaint. If you need further information I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel

10/25/2013 Billing/Collection Issues
10/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I receive numerous calls several times daily from several phone numbers all show RPM on my caller id. I have never done business with this company and know this call is not related to me. I suspect they are trying reach someone else.

Desired Settlement: Stop the phone calls.

Business Response: Initial Business Response /* (1000, 5, 2013/10/22) */ ****# XXXXXXXX, ******* ***** Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ***** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** *****'s complaint is that RPM is calling her several times a day about an account that must belong to someone else. She wants the calls stopped. After review of our records I offer the following response on behalf of RPM: RPM received a file from our client*********************** for a consumer that is not *** ******* *****. RPM is withholding that consumer's name so there is no 3rd Party Disclosure Violation under the FDCPA. RPM did obtain the telephone number (XXX) XXX -XXXX from a vendor and began making telephone attempts. No contact was ever made and until we received the complaint from your office, RPM thought it was attempting our consumer's telephone number. RPM has coded this telephone number as a "Wrong Number" and has not attempted it since. RPM apologizes to *** ***** if our telephone attempts have upset her. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Final Consumer Response /* (2000, 7, 2013/10/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/22/2013 Billing/Collection Issues
10/22/2013 Billing/Collection Issues
10/22/2013 Billing/Collection Issues
10/9/2013 Billing/Collection Issues
10/1/2013 Billing/Collection Issues
9/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called 08/22/13 and settled a debt before I ever got a call from them, just a letter. I requested and received an email confirmation. The next afternoon 08/23/13 I got a call from them trying to collect a debt! The same amount that they accepted payment for the previous day! I have also emailed them the following...***, Thank you very much for this confirmation e-mail yesterday because today I got a call from your company trying to collect this debt. I called your company before you contacted me so I would not receive any telephone calls or be harassed. This is an unacceptable practice on your companies' part. I was told your computer had a "hiccup". Not a good enough answer. This is being sent to Sprint, the company you are contracted through so they will know what you are doing also. I believe Sprint should find a company that will do what it is supposed to and not further harass and cost a customer more money because the call was on my cell phone, which I pay per minute. Now it makes me wonder if you are trying to get double payment, so this is also being sent to the Better Business Bureau. **** ************** ***/XXX-XXXX

Desired Settlement: Fix your computer "hiccup" immediately and monetary compensation for my loss of time, stress, frustration and phone charges.

Business Response: Initial Business Response /* (1000, 7, 2013/09/12) */ Dear *** ***** I am in receipt of and have reviewed the above referenced complaint filed by *** ********* against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. *** *********' alleges that RPM continued to call her after she proactively contacted RPM and agreed to pay the debt in full. After review of our records I offer the following response on behalf of RPM: *** ********* did contact RPM on August 22, 2013 and entered into an agreement to pay the ****** debt in full. RPM did call her residence in error on August 23, 2013 and when *** ********* advised our representative of our error, we apologized and terminated the call. RPM does appreciate *** *********'s proactive decision to pay this debt and we apologize for our error. The payment has been applied to the account and it is coded as a "paid in full." RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

9/24/2013 Problems with Product/Service
9/2/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: RPM is calling my home for the last two weeks asking for *** ****. I told them several times that there is no *** **** in my home. They call every day at 11:00 a.m. including Sundays. Please get these idiots off my back. Get them to stop calling my home at once. Thank you very much.

Desired Settlement: To stop calling my home at once.

Business Response: Business' Initial Response /* (1000, 5, 2013/08/16) */ Case# XXXXXXXX, ****** ********* Dear Ms. Long, I am in receipt of and have reviewed the above referenced complaint filed by Ms. ********* against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. Ms. ********* alleges that RPM is calling her home for someone who does not live there and requests the calls stop. After review of our file, I offer the following response on behalf of RPM: RPM received a file from our client ************************* for a person that is not Ms. *********. RPM is withholding that consumer's name in order to prevent a third party disclosure in violation of the Fair Debt Collection Practices Act (FDCPA). RPM was provided the telephone number XXX XXX-XXXX by our client, as a good number to reach this consumer. RPM made several telephone attempts between the hours of 8:50AM and 8:53PM. Until RPM received the complaint from your office, we were unaware that this was a wrong number. RPM immediately marked this telephone number as a "wrong number" and has not attempted it since. RPM apologizes for any inconvenience our telephone attempts has caused Ms. *********. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

8/27/2013 Problems with Product/Service
8/26/2013 Billing/Collection Issues
8/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection company continues to call me, despite the fact that I am currently in chapter 13 bankruptcy. I have made this very clear to receivables performance management and they continue to call. I have been told on three occasions that my number would be removed from their list, and yet they continue to call. any help would be greatly appreciated. I was under the impression that the Bankruptcy Court placed a stay on all collection calls while in bankruptcy.

Desired Settlement: I would like to have, in writing, conformation that my phone number has been removed from their data base.

Business Response: Business' Initial Response /* (1000, 7, 2013/08/06) */ Case# ******** ****** ***** Dear Ms. ****, I apologize for the delay in this response. Apparently this complaint and several others were stopped by our firewall and weren't received. Our IT department is investigating to determine the reason and see that it doesn't happen again. I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. Mr. *****'s complaint is that RPM is continuing to call him in spite of his Bankruptcy Chapter 13 filing. I offer the following response on behalf of RPM: RPM received a file from our client ******** ***** for a consumer that is not Mr. *****. RPM is withholding that consumer's name so there is no violation of FDCPA 3rd Party Disclosure. Our client provided the telephone number (XXX)XXX-XXXX as a good number to reach our consumer. RPM began making telephone attempts to reach our consumer. The only contact was made on July 12, 2013 when RPM was notified this was a wrong number. RPM immediately placed a "Wrong Number" code on that telephone number and has not attempted it since. RPM apologizes for any inconvenience we may have inadvertently caused Mr. *****, however we were not attempting to collect a debt from him. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

8/19/2013 Problems with Product/Service
8/19/2013 Billing/Collection Issues
8/9/2013 Billing/Collection Issues
8/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a phone call from this collections agency about a 20 year old long distance bill. The bill was not mine and they have placed this on my credit report. I never spoke with them or had an investigation. The original bill was through ****** and there is no outstanding bill with ******. They shouldn't be able to negatively affect my credit and just tell me "oh well" we can't take that off your report.

Desired Settlement: I would like this taken off my credit report.

Business Response: Business' Initial Response /* (1000, 7, 2013/08/06) */ ****# ******** ****** ***** Dear Ms. ****, I apologize for the delay in this response. Apparently this complaint and several others were stopped by our firewall and weren't received. Our IT department is investigating to determine the reason and see that it doesn't happen again. I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. Mr. *****'s complaint is that RPM is trying to collect a ****** debt that is outside of the statute of limitations and RPM has also reported the debt to the credit bureaus. I offer the following response on behalf of RPM: RPM received the file at issue from our client ****** on November 11, 2011. There was no indication this debt was outside the statute of limitations. However RPM was unable to make contact with Mr. ***** and our client recalled the debt in January, 2012. RPM sent a deletion notice to the 3 major credit bureaus on January 22, 2012 and that is the last time anything was reported by RPM on this account. Our client did contact us in April, 2012 that the debt was paid directly to ****** on March 10, 2012. Based on Mr. *****'s complaint, it appears that the January 22, 2011 deletion notice was not updated at one or more of the credit bureaus. RPM has resent the deletion through the EOSCAR system to the three major credit bureaus. RPM apologizes to Mr. ***** for any error by the credit bureau(s) in processing this request. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist Consumer's Final Response /* (2000, 9, 2013/08/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the response by RPM, I only hope by them resending the deletion, this will come off my cr. I will check back on my credit in a few months.

8/6/2013 Billing/Collection Issues
8/5/2013 Billing/Collection Issues
8/5/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was contacted at work by a representative named ** on 07/08/13. He told me I had 4 checks that had been returned from almost 6 years ago that needed to be paid. I did indeed have 4 checks that were returned in 2008 duye to a clerical error on my part that were paid a long time ago. I tried to talk to ** who was a little slow, and not very knowledgable about what he was doing/saying. I asked for his supervisor. He gave me the number. I called his supervisor. His name is ****. Throughout our conversation, he became increasingly agitated, as was I due to the whole circumstance. He asked why I was so mad, and I was explaining to him that they called me at work, about something that was already taken care of and were rude to boot. He responded with "now lets think about who you are really mad at in this situation". Of course this escalated things even more. He proceeded to talk down to me and say something along the lines of "well it took you five years to pay this off" and insinuated that I was basically a low life because I had made a mistake. He kept telling me I had not paid it and was adament that I was lying to him. When I asked him how to resolve it he kept telling me to pay it. He was a bully, rude, degrading and unprofessional. He said he would contact the company they had received it from and and I yes, you will and he took offense to that statement, and I am uncertain why. At any rate, he did NOTHING to help me resolve the situation at the time, or explain things to me in a professional manner, or even try to work with me. I did indeed get the information faxed to them, with a letter about how I was treated. I called back 24 hours later to confirm they received it and was assited by someone named ****. This representative was extremely polite and professinal. He acknowledged my concerns, gave me good information on how to proceed in getting this resolved. He even provided me with the contact information for the other department I needed to contact. He was knowledgable and respectful.

Desired Settlement: I would like 3 things. First, I would like a written apology for the rude, unprofessional treatment and verbal abuse I received by ****. Second, I would like a letter stating that this issue has been resolved and there is a $0 balance sent to me and the 3 major credit bureaus with an accurate date it was actually paid so it can be corrected on my credit reports. Third, I would like to be put on a do not contact list for this company.

Business Response: Business' Initial Response /* (1000, 5, 2013/07/18) */ Case# XXXXXXXX, ****** ****** Dear Ms. ****, I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. Ms. ******'s complaint is that she spoke with a manager in our office who was rude, a bully, degrading to her and unprofessional. She claims she has paid this debt and wants a letter of apology and resolution. After a review of the complaint and our file I offer the following response on behalf of RPM: Ms. ****** spoke with ******* *******, Director of RPM's Legal Department about a series of cancelled checks on July 8, 2013. I have reviewed the recording I do not find that Mr. *******, was in anyway rude, a bully, degrading or unprofessional. When Mr. ******* started talking with Ms. ******, she was already upset over being called about the matter she claims has been satisfied. Mr. ******* calmly explained that he would advise our client of her contention and provided her a fax number to send documentation. Ms. ****** demanded that the matter be remedied immediately and Mr. ******* politely indicated that he would notify our client immediately however the process was unlikely to be concluded the same day. Ms. ****** later faxed documentation to RPM which we have forwarded to our client for review. As soon as we have a response or validation is received, we will forward that to Ms. ******. Pursuant to her request, RPM has placed a "Do Not Call" code on this account. RPM apologizes if our collection attempts have upset Ms. ******, it is my hope to amicably resolve the situation. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel

7/30/2013 Billing/Collection Issues
7/30/2013 Billing/Collection Issues
7/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: **** ***. Has placed a collection on my credit report with the original creditor ******. I have never had an account with this company. In my several letters sent to them i have requested the following. *Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect *Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor *Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes *Provide a copy of an original executed contract that contains my signature, where I agreed to this debt. Since as a consumer I have not been able to get this company to respond to my request I am hoping that your company can mediate the matter. my social security is XXXXXXXXX

Desired Settlement: to immediately remove this from my credit

Business Response: Business' Initial Response /* (1000, 5, 2013/07/05) */ Case# XXXXXXXX; ******** ***** Dear Ms. ***** I am in receipt of and have reviewed the above referenced complaint filed by Mr. *****. The complaint appears to be against ****, *** and not Receivables Performance Management, *** (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia which handled Mr. *****'s ****** account in 2008. Mr. ***** complains that ****, *** has listed an account on his credit report in the name of ****** and requests that it be removed. RPM received a file in Mr. *****'s name from our client ****** on January 25, 2008. The account number was XXXXXXXXXX. RPM's business records indicate that Mr. ***** made a payment of $215.04 on April 30, 2008 to resolve the account. RPM reported the zero balance to the credit reporting agencies and later deleted the account tradeline in its entirety. As indicated above, Mr. *****'s complaint is for action taken by ****, *** and not RPM. RPM will assume the above response has resolved the complaint with respect to RPM. If there are any further questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel Consumer's Final Response /* (3000, 7, 2013/07/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I apologize the complaint is to Receivables Performance The account is still reporting on my file it has not been deleted Business' Final Response /* (4000, 9, 2013/07/11) */ RPM requested the account trade line be deleted from Mr. *****'s credit history via eOSCAR on February 14, 2010. If the account is still appearing on one of credit reporting agencies is still listing the account I suggest Mr. ***** send a written request to that credit reporting agency requesting to remove the trade line.

7/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'm constantly harrassed by these people I have no idea who they are, they stated that they represent ****. I don't have a contract with ****** and I never did...I want collection activity to cease and desist / mail, phone, email and fax . I dispute any debt with RPM LLC or any other affiliates . Also anyone else they represent...I will exercise my right to sue under the Fair Debt Collections Act if they keep harassing me every other day

Desired Settlement: up to $1000.00 for each harassing phone call after 06/24/2013

Business Response: Business' Initial Response /* (1000, 5, 2013/07/05) */ Case# XXXXXXXX, ****** ****** Dear Ms. ****, I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is a collection agency licensed to operate in all fifty states and the District of Columbia. Ms. ****** complains that RPM has called her attempting to collect a debt belonging to another person and requests the calls stop. RPM received the file which Ms. ******' telephone number is attached to from our client **** on June 11, 2013 for a consumer with the same name and address as Ms. ******. RPM's business records indicate that the phone number (XXX) XXX-XXXX was provided from our client. RPM proceeded to make telephone attempts to contact our consumer. Between June 10th and June 20th RPM made three no-contact call attempts. RPM was unaware this was a 'wrong number' until a fourth call was answered and the RPM rep was advised to stop calling. The number was marked as a wrong number and calls ceased. RPM would like to apologize for any inconvenience our call attempts may have caused Ms. ******. In the event this is Ms. ******' account, RPM has advised **** that the account balance is disputed. Collection activity will cease pending validation and cease permanently from RPM. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel Consumer's Final Response /* (2000, 7, 2013/07/11) */ (The consumer indicated he/she ACCEPTED the response from the business.)

7/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am receiving multiple automated calls daily from RPM to collect a debt which was pad in full on April 20, 2013. I have requested on at least 3 different occasions to not receive phone calls, and have requested their contact information (I am receiving calls from a Maryland phone number) to provide them written proof that thi debt is paid in full and was paid in full prior to them taking the debt. They have threatened legal action and have threatened to contact my employer to garnish my wages.

Desired Settlement: Stop contacting me as the debt was paid in full before it was assigned to them. Update their records to reflect this. Remove my phone number from the automated phone dialer. Remove any reports made to all three credit bureaus.

Business Response: Business' Initial Response /* (1000, 5, 2013/05/28) */ Dear Ms. ***** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ********* against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency operating in all fifty states and the District of Columbia. Ms. ******** complains that is RPM is trying to collect a debt which she has previously paid. She also requests no further contact. After review of the complaint and our file I offer the following response on behalf of RPM: RPM received this file from our client **** on May 3, 2013. RPM sent an initial dunning notice advising Ms. ********* of her right to dispute the bill to the address on file of **** ***** *** Southport, NC which is the same address as listed on the complaint. RPM never received a response to that letter. RPM's business records reflect a conversation with Ms. ********* on May 16, 2013. During that call Ms. ********* accused RPM of 'running an offshore scam' and stated she had already paid the bill with a prior agency. At the conclusion of this conversation, RPM ceased further collection attempts and placed the account on our 'do not call' list. After filing this complaint, on May 21st Ms. ********* called RPM to advise that the account had not been settled as she previously thought because her payment to the other agency had been returned when **** had removed the account from that agency and placed the file with RPM. Ms. ********* stated she intended to pay the full balance however once the RPM rep advised the amount of the outstanding balance an argument ensued over a $30 discrepancy. The call ended with no resolution. As of the date of this reply no payment in any amount has been received. In an effort to resolve the dispute, RPM will agree to settle the outstanding debt for $203.92 as requested by Ms. *********; however the account would be closed as 'settled in full' as opposed to 'paid in full.' Otherwise RPM will advise **** that the account balance is disputed and await further instruction. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel Consumer's Final Response /* (4200, 11, 2013/06/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) If RPM's response is based on what's in their system as of today, it's RPM's record keeping that is the problem, which is what I have been stating all along. Check #XXXXXXX in the amount of $36.71 was sent by **** *** on May 23rd and cleared May 27th. Check #XXXXXXX in the amount of $203.92 was sent by ******* on May 30th and cleared June 3rd. I request that RPM contact ******* at X-XXX-XXX-XXXX for *******'s assistance in locating the payments RPM has received and cashed but has no record of. Given that the account number RPM provided me to use on their website STILL doesn't work, it seems possible that RPM has misapplied my payments. Business' Final Response /* (-10, 16, 2013/07/11) */ Payment was processed June 3, 2013, which was the day of RPM's last response. Payments do not always immediately post when processed or the payment was processed later in the day after I had reviewed the account and submitted my response. The account is now paid in full.

7/8/2013 Problems with Product/Service
6/27/2013 Billing/Collection Issues
6/24/2013 Billing/Collection Issues
6/18/2013 Problems with Product/Service
6/17/2013 Billing/Collection Issues
6/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Multiple infractions of collection practices. Failure to provide requested documents and contact as stated on company's correspondence. As stated this complaint involves, multiple infractions of collection practices. Failure to provide requested documents and contact as stated on company's correspondence. Illegal calls at 06:30 am and 10:45pm, as stated by law collection company's can not call except from 07:00am until 10:00pm. This company has broken this law 7 times just in the last push for collection from me. I requested documents from them and no response. I called 3 times and when I asked for documents and a supervisor the operator hung up on me. I made an offer for settlement the very first time approx. 1 yr. ago and again on this last attempt of contact. The company appears to force such actions in order to drag out a contract in order to collect more money in fees. All of these are illegal practices. My original offer was not outrageous and also my request for documents. All are printed on correspondence sent from the company. Then ignored until later. I have copies of email I sent through the company's own website as instructed, and still there was not any response sent back to me about the email. The one time I did talk more than one minute or so with a live person, then were aggressive, rude, insulting and attempted to intimidate me. Again such actions are illegal.

Desired Settlement: Even after all of the illegal actions from the company, I will still honor my actual original offer of $100.00. This offer is the only settlement I will accept and with this settlement the company will send me documents of the closed account and remove / correct any credit reporting bureau actions attached to my credit or any other actions in any other medium that may have been entered.

Business Response: Business' Initial Response /* (1000, 11, 2013/05/08) */ May 6, 2013 Better Business Bureau **** ******* *** *** *** DuPont, WA XXXXX Email: *************@**********. Case# XXXXXXXX; ******* **** Dear Mr. ***** I am in receipt of and have reviewed the above referenced complaint filed by Mr. **** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency licensed to operate in all fifty states and the District of Columbia. Mr. **** alleges that RPM has called him as early as 6:30am and as late as 10:45pm. He further demands that RPM accept his settlement offer of $100.00. After thorough review of the complaint and our file I offer the following response on behalf of RPM: RPM received the account in question from our client ******* ******** on March 14, 2013. Pursuant to the Fair Debt Collection Practices Act (FDCPA), RPM sent an initial demand letter advising Mr. **** of his right to request validation of the debt being collected. According to RPM’s business records, no response to this letter was received. Mr. ****’s complaint and the account in question list an address of ** ****** ** Smithsburg, MD. Maryland is in the Eastern Time Zone. RPM’s call records do not indicate any attempted calls prior to 8:00am EDT or after 9:00pm EDT in violation of federal law. If Mr. **** has call records to the contrary I would be happy to review them, however based on RPM’s business records I do not believe Mr. ****’s claim has merit. RPM has authority from ******* ******** to settle the account for $133.04. If paid, the account would be reported as settled in full to the credit reporting agencies. If Mr. **** would like to accept this offer I invite him to contact our office. Otherwise, pursuant to his requests, RPM will cease further collection efforts. I will assume the above response has resolved this complaint. If you have additional questions you may reach me directly at (XXX) XXX-XXXX. Very Truly Yours, **** ** **** Director of Compliance & General Counsel Consumer's Final Response /* (3000, 21, 2013/06/05) */ I have been trying to contact Mr. **** with RPM. He is the individual that we were working with in order to resolve the issue at hand. Which was the proposal by him that the account be settled for $133.04 I sent him directly an email and multiple responses to your BBB office. But, up until now I have not received any response since the initial one brought, that stated the proposed settlement that I have been trying to agree to for a couple of weeks now. I am looking to get the name and address of to whom and were to send the payment of $ 133.04 and the account to be made settled with the reporting agencies. As I stated above, I have been attempting to complete this resolution but, I am not receiveing any information as to the details of the payment. Please provide this information, so that this issue can be settled and closed. Thank you Business' Final Response /* (4000, 23, 2013/06/05) */ Ms. ***** My previous reply to Mr. ****'s rebuttal provided an address to send payment. Mr. **** can make funds payable to ******* ******** and mail to RPM at XXXXX XX** *** ** Lynnwood, WA XXXXX. Mr. Almay may also make a payment on our website located at ***********************************. If you have further questions please feel free to contact me at XXX-XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel

6/11/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have received many (multiple times a day) phone calls from this collection agency for a person that does not reside at my address. I do not even know this person. I have explained more than once that this was the wrong number to reach **** ********. I was hung up on each time. I finally called the company back and asked to speak to a supervisor. I was not connected with one but the unfriendly representative assured me that my phone number had been removed from the account. I will make another formal complaint if I receive anymore calls from this company.

Desired Settlement: I would like to never hear from this company again. I am not in collections and don't like to be harrassed by collectors for accounts not belonging to me. I was not rude to them and do not appreciate being hungup on when I was trying to reduce their workload by removing an extra phone number to call (4-5 times a day).

Business Response: Business' Initial Response /* (1000, 5, 2013/05/28) */ Dear Ms. ***** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ******** against Receivables Performance Management, LLC (RPM). RPM is licensed to do business as a collection agency operating in all fifty states and the District of Columbia. Ms. ******** is requesting that RPM cease contacting her for a debt that does not belong to her. RPM has conducted searches for this account by name and address. Neither was successful. If Ms. ******** would provide the telephone number that is being called, RPM will remove it from our call list. I appreciate Ms. ********'s desire to not be called and RPM wishes to appease her request. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, **** ** **** Director of Compliance & General Counsel

6/11/2013 Billing/Collection Issues
5/30/2013 Billing/Collection Issues
5/30/2013 Billing/Collection Issues
5/29/2013 Problems with Product/Service
5/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RPM continues to call me regarding a non existent debt. RPM states that they are calling on behalf of ******. ****** confirms to me that I do not owe money. ****** claims they have not contacted RPM to collect a debt and that my ****** account has been closed showing no money owed. RPM asks me to send them something in writing showing I have no debt. I state that since I do not nor have ever owed ****** money that it is RPM's responsibility to remove my name from their collections list.

Desired Settlement: I want something in writing from RPM saying this account is closed and an apology for the mistake.

Business Response: Business' Initial Response /* (1000, 5, 2013/05/16) */ May 15, 2013 Better Business Bureau **** ******* *** *** *** DuPont, WA XXXXX Email: *************@**********. ****# XXXXXXXX; ***** ***** Dear Ms. ***** I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is a third party collection agency licensed to operate in all fifty states and the District of Columbia. Ms. ***** disputes owing a debt to ****** which RPM has attempted to collect. Ms. ***** further requests that RPM cease contacting her regarding this account. After thorough review of the complaint and our file I offer the following response on behalf of RPM: RPM received the account from our client ****** on July 3, 2012. Pursuant to the Fair Debt Collection Practices Act (FDCPA), RPM sent an initial demand letter advising Ms. ***** of her right to request validation of the debt being collected on July 5, 2013. According to RPM’s business records, no response to this letter was received; however Ms. ***** advised our office over the phone that she disputed the balance. RPM advised ****** of the dispute and was advised by ****** that the balance was correct. Pursuant to Ms. *****’s request, RPM has ceased collection and referred the matter back to ****** for final resolution with Ms. *****. Ms. ***** will not receive any further collection calls from RPM regarding this account. I will assume the above response has resolved this complaint. If you have additional questions you may reach me directly at (XXX) XXX-XXXX. Very Truly Yours, **** ** **** Director of Compliance & General Counsel

5/9/2013 Billing/Collection Issues
5/7/2013 Problems with Product/Service
5/7/2013 Billing/Collection Issues
5/7/2013 Billing/Collection Issues
5/7/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I apparently have a similar name to someone that owes a debt. RPM calls my house twice a day and I tell them I am not the person they are looking for and they just hang up on me and call the next day - this has been going on for a while. I have called them back to try to reason with them and they hang up on me.

Desired Settlement: I want them to quit calling me, I am not the person they are looking for, all they have to do is look at my **** name - it's not even the same!

Business Response: Business' Initial Response /* (1000, 5, 2013/04/24) */ I am in receipt of and have reviewed the above referenced complaint filed by Ms. ***** against Receivables Performance Management, LLC (RPM). RPM is licensed to do business as a collection agency operating in all fifty states and the District of Columbia. Ms. ***** is complaining that RPM is calling her about someone else's account and that we continue to call her after she has asked us to stop.. RPM has conducted searches for this account by name and address. None were successful. If Ms. ***** would provide the telephone number she is receiving calls from RPM, we will remove it from our call list. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX. Very Truly Yours, ***** ** ******* Senior Compliance Specialist Consumer's Final Response /* (3000, 7, 2013/04/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I find his response quite comical since I have told them repeatedly when they call and I have called them and given them my phone # and they simply hang up on me and it does not stop. Business' Final Response /* (4000, 9, 2013/04/25) */ As the Director of Compliance & General Counsel of RPM I am interested in resolving the complaint. If Ms. ***** would like to provide me the information requested I will see to it that the calls stop. If she does not, then I am unable to assit her. Very Truly Yours, **** ** **** Director of Compliance & General Counsel

5/7/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They call me everyday knowing we don't have the money yet, because I am waiting for ***. They now are calling me on the weekends? This company is harassing me.

Desired Settlement: Either leave me alone till i get the money to pay the bill or consider the bill paid in full

Business Response: Business' Initial Response /* (1000, 5, 2013/04/24) */ April 22, 2013 Better Business Bureau **** ******* *** *** *** DuPont, WA XXXXX Email: *************@thebbb.org Case# XXXXXXXX, ****** ***** Dear Ms. ***** I am in receipt of and have reviewed the above referenced complaint filed by Mr. ***** against Receivables Performance Management, LLC (RPM). RPM is licensed to do business as a collection agency operating in all fifty states and the District of Columbia. Mr. ***** is complaining that we are calling him daily; he wants the calls to stop and he will pay when he can. I have addressed his complaint below. RPM received this account from our client ******** ****** ********* **** for a debt that was originally a ******* ******** bill, on February 13, 2013. RPM obtained the telephone number XXX XXX-XXXX on March 31, 2013 and began making telephone attempts. All telephone attempts were within the presumed convenient times as indicated in FDCPA section 805 (a)(1). The only contact with Mr. ***** was on April 21, 2013 when he stated he couldn’t pay. RPM’s representative scheduled the account out several business days in the future, before RPM would have attempted another call. When we received this complaint, RPM, placed a Do Not Call code on the telephone number and will not call Mr. ***** again. He still owes this bill and needs to contact RPM regarding how he plans to resolve this just debt. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (XXX) XXX-XXXX Very Truly Yours, ***** ** ******* Senior Compliance Specialist

5/6/2013 Billing/Collection Issues
4/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On February 27, 2013, I contacted RPM because I had received a copy of my credit report and it had them listed as a creditor. I asked them for a reference number and an address in order to start making payments on my debt. I told them I would be sending what I can every 2 wks because that is when I get paid. I thought I was doing the right thing by taking an initiative to resolve my debt and have mailed in 3 payments like I said I would every 2 wks on my payday, but since contacting them they call me everyday at my home, cell, and job. I asked them not to contact me at work since I am making payments and sending in what I can and they advised me if I do not pick up my cell they will call my job. I am receiving calls up to 5 times a day and I keep telling them the same thing, that I am sending what I can every two weeks. They are telling me it is not enough and want me to send more money now. I am going to continue making payments because I want to fix my credit, I just do not understand why they have to continuously contact me daily asking for more money if I am making payments. I just want the harassing phone calls to stop. The one that sent me over the edge today was a phone call saying "you owe us money when are you going to send it and what are you doing about it?" Account_Number: XXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Like I said above, I do not understand why since I took the initiative to contact me, I am receiving daily phone calls 4 or 5 times a day. I am trying to do what I can and just want the harassing phone calls to stop.

Business Response: Business' Initial Response /* (1000, 5, 2013/04/12) */ Better Business Bureau 1000 Station Dr. Ste 222 DuPont, WA XXXXX Email: *****@thebbb.org ******# XXXXXXXX, ****** Taina ****** Dear Ms. ****, XXXXX XXth Ave W Lynnwood, WA XXXXX XXX-XXX-XXXX ph XXX-XXX-XXXX fax I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is licensed to do business as a collection agency operating in all fifty states and the District of Columbia. Ms. ****** has made several complaints. She claims she is paying RPM every two weeks. In spite of that RPM is calling her daily and up to 5 times a day at her home, cell and work number. She has asked us to stop calling her work number and RPM has refused. I have addressed her complaints below.. RPM received this file from our client Verizon on November 17, 2012. The initial letter, with notice of right to dispute, was mailed to the last known address of ******************** #2, Cranston Rl, XXXXX. This is the same address as shown on the complaint from your office. RPM never received a response. Ms. ****** actually made two payments: $30 on March 4, 2013 and $20 on March 18, 2013. The first contact was on March 6, 2013 when Ms. ****** called our office. RPM has neither attempted telephone contact every day or 5 times in any one day. She advised us not to call her work number and there hasn't been an attempt made there since March 13,2013. RPM did make 4 no-contact attempts to her home number on April2 and April3, 2013. RPM has complied with Ms. ******'s request and marked all telephone numbers as Do Not Contact. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (425) XXX-XXXX Very Truly Yours, **************** Senior Compliance Specialist

4/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: keep calling my mobile phone

Desired Settlement: stop calling me

Business Response: Business' Initial Response /* (1000, 5, 2013/04/12) */ Dear Ms. ****, XXXXX XXth Ave W Lynnwood, WA XXXXX XXX-XXX-XXXX ph XXX-XXX-XXXX fax I am in receipt of and have reviewed the above referenced complaint filed by Mr. ****** against Receivables Performance Management, LLC (RPM). RPM is licensed to do business as a collection agency operating in all fifty states and the District of Columbia. Mr. ****** is requesting that RPM cease contacting him.. RPM has conducted searches for this account by name and address. Neither were successful. If Mr. ****** would provide the telephone number that is being called by RPM, we will remove it from our call list. I appreciate Mr. ******'s desire to not be called and RPM wants to comply. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (425) XXX-XXXX

4/23/2013 Billing/Collection Issues
4/23/2013 Problems with Product/Service
4/22/2013 Problems with Product/Service
4/22/2013 Billing/Collection Issues
4/22/2013 Problems with Product/Service
4/19/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: RPM continually calls our home phone number even though we have repeatedly asked them to remove our phone numbef from their files. We received this phone # in November, 2012. The party they are seeking is unknown to us but, apparently, previously listed our phone number as a contact number. Every time we explain this to the rep and request our number be removed, the rep becomes very rude, combative and hang up on us. Obviously, since the calls are continuing, they are not following through on our request. It is ridiculous a company is allowed to continue operating when they exhibit behaviour such as this.

Desired Settlement: I am seeking for our phone number to be removed and for all calls from RPM, and any of their affliates, to cease. (I will provide the phone number we are seeking to have removed on request.)

Business Response: Business' Initial Response /* (1000, 5, 2013/04/12) */ ******# XXXXXXXX ****** ****** Dear Ms. ****, XXXXX XXth Ave W Lynnwood, WA XXXXX XXX-XXX-XXXX ph XXX-XXX-XXXX fax I am in receipt of and have reviewed the above referenced complaint filed by Ms. ****** against Receivables Performance Management, LLC (RPM). RPM is licensed to do business as a collection agency operating in all fifty states and the District of Columbia. Ms. ****** is requesting that RPM cease contacting her. RPM has conducted searches for this account by name and address. Neither was successful. If Ms. ****** would provide the telephone number that is being called, RPM will remove it from our call list. I appreciate Ms. ******'s desire to not be called and RPM wants to comply. RPM will assume the above response has resolved the complaint. If there are any questions I can be reached at (425) XXX-XXXX Very Truly Yours, Director of Compliance & General Counsel

4/11/2013 Billing/Collection Issues
4/10/2013 Billing/Collection Issues
4/8/2013 Billing/Collection Issues
4/5/2013 Problems with Product/Service
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4/3/2013 Billing/Collection Issues
3/29/2013 Problems with Product/Service
3/18/2013 Billing/Collection Issues
3/5/2013 Billing/Collection Issues