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Metropolitan New York, Long Island, and the Mid-Hudson Region

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that RJM Acquisitions, 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 16 factors. Get the details about the factors considered.

Factors that raised the rating for RJM Acquisitions, LLC include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 389 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.


Customer Complaints Summary Read complaint details

389 complaints closed with BBB in last 3 years | 79 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 4
Billing/Collection Issues 335
Delivery Issues 7
Guarantee/Warranty Issues 0
Problems with Product/Service 43
Total Closed Complaints 389

Additional Complaint Information

This firm has informed the BBB in writing that it is willing to work with the BBB to eliminate the underlying causes of consumer complaints.

This firm has informed the BBB in writing that it is willing to work with the BBB to eliminate the underlying causes of consumer complaints.

Additional Information

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BBB file opened: December 01, 2002 Business started: 06/14/2001 in NY Business incorporated: 06/14/2001 in NY
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:

Department of Consumer Affairs - NYC
42 Broadway, , New York NY 10004
http://www.nyc.gov/html/dca/html/home/home.shtml
Phone Number: (212) 639-9675

Type of Entity

Corporation

Contact Information
Principal: Ms. Jamie Rozansky, Director Of Operations
Business Category

COLLECTION AGENCIES

Alternate Business Names
RJM Acquisitions Funding LLC

Additional Locations

  • 575 Underhill Blvd., Suite 224

    Syosset, NY 11791

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Professional AffiliationsX
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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

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BBB reports on known significant government actions involving business' marketplace conduct.

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Additional Phone Numbers

  • (516) 714-1300(Phone)
  • (800) 541-0824(Phone)
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Additional Web Addresses

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Complaint Detail(s)

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8/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On July **,2013 I pulled my credit report. much to my surprise there was a collection account from RJM Acquisition. I have never received anything from this company even mentioning I had a debt with them and in fact had never even seen the name until it reported on my credit report. I am asking this company to validate this debt by providing me THROUGH EMAIL an itemized, detailed bill/ and a contract from whomever the original creditor is. Please validate this debt. It is illegal to report to a credit agency without sending the consumer a dunning letter before hand.

Desired Settlement: Please provide me proof/validation that this said debt is in fact mine. If you can not provide me with proof, please remove this trade line from any reporting credit agencies and please do not resell this said debt again.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated July *, 2013 concerning the above account.

Please be guided by the following: A KeyBank automobile loan account was opened November **, 2005 in the name of ***** ** *****, social security number ******-****. The address on the account was/is ***** ****** ***** ******** ** *****. The last payment was received by KeyBank on August **, 2010.

In August 2011, RJM Acquisitions LLC purchased this account from KeyBank N.A. The bank's address is **** ******** ***** *** ****** ********* ** *****. The account had a balance due of $5,346.85 when RJM Acquisitions LLC purchased the account.

Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

On April *, 2013, RJM Acquisitions LLC sent ***** ** ***** a letter advising him that RJM Acquisitions LLC had purchased the above referenced account. The letter included the above information (the [full] account number; the name and address of the original creditor; the date the account was opened; a partial social security number for the accountholder; and the date RJM Acquisitions LLC purchased the account) along with several options to satisfy the account. A postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.

On June *, 2013, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).

Enclosed please find the consumer note, disclosure/ security agreement and the itemization of the amount financed relevant to the above referenced loan for a 1999 Chevrolet Blazer.
 


If ***** ** ***** believes that any information contained in this letter or the enclosed documents is not accurate, it is suggested that he complete the enclosed Inaccuracy / Dispute form and return the form to us.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,

.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated July **, 2013 concerning *** *****'s third rebuttal of RJM Acquisitions LLC's response to the complaint he filed with the Better Business Bureau.

Please be guided by the following: A KeyBank automobile loan account was opened November **, 2005 in the name of ***** ** *****, social security number ******-****. The address on the account was/is ***** ****** ***** ******** ** *****.  The last payment was received by KeyBank on August **, 2010.

In August 2011, RJM Acquisitions LLC purchased this account from KeyBank N.A. The bank's address is **** ******** ***** *** ****** ********* ** *****. The account had a balance due of $5,346.85 when RJM Acquisitions LLC purchased the account.

Regarding *** *****'s demand for validation please be advised that RJM Acquisitions LLC has provided proper validation of this account. As per his request, RJM Acquisitions LLC has requested a sale letter from KeyBank N.A. and will send it to the Better Business Bureau once it is received.

Regardless, as previously advised, it is suggested that *** ***** provide proof to support his claim that this account was satisfied.

Should you have any questions or if I can be of further assistance please do not hesitate to contact me at
###-###-####.

 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:


I have decided to seek outside help with my states attorney general regarding this matter and the way this company is choosing to handle this situation. Thank you to the bbb for attempting to help resolve this issue even though a resolution could not be reached. 

 

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

***** *****




 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

8/15/2013 Billing/Collection Issues | Complaint Details Unavailable
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7/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I would like to first say thank you for taking out the time to read this complaint. My compliant is against a collection agency with RJM Acquisition located at *** ********* **** **** *** ******** ** ****. I have expressed to this company numerous of times that I have no idea what they are to collect for and who they are trying to collect on behalf of. I requested that they validate the alleged debt and I never received a response. In addition to that, when I disputed the account with the credit bureaus, each of credit reporting agencies responded that RJM Acquisitions stated the debt was accurate and that it was mines. I know my rights and I know by law that a collection agency must validate a debt before trying to collect on it. It is a shame that RJM Acquistions can just defame my character and credit by throwing negative unvalidated debts on my credit report; cause me to be embarrassed by being denied credit and a job. I am begging that you please investigate this company. They are known for their unethical and illegal collection practices. So many other consumers have been scammed by them but they have no idea where to file complaints or get help. I am more than willing to help by any means necessary. I will wait patiently for a response.

Desired Settlement: I would like a letter from this company stating that the account will be closed in their office and that they remove this account from my credit report.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated July *, 2013 concerning the above referenced account. RJM Acquisitions LLC vehemently denies the allegations made by *** ****** in the complaint she filed with your office.

Please be guided by the following: An Ameritech/HSBC MasterCard account was opened December **, 2006 in the name of ******** ******, social security number ******-****. A previous address on the account was **** ********** ****** ******* ** *****. The last payment, $15.00, was received April **, 2007.  Due to delinquency, the account charged off/ defaulted November **, 2007 with a balance due of $518.35.

The original creditor was HSBC Card Services Inc; their address is ******** ****** ****** *** ****** ** *****.  In December 2010, RJM Acquisitions LLC purchased this account.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

On January **, 2011, RJM Acquisitions LLC sent *** ****** a letter with the above mentioned account information (the [full] account number; a partial social security number for the account holder; the name and address of the original creditor; the date RJM Acquisitions LLC purchased the account; and the account balance).

On February **, 2011, a review of the account revealed no record of a dispute; and RJM Acquisitions LLC subsequently reported  the account to the credit bureaus (Trans Union and Experian).

After receiving a phone call from *** ****** in which she stated that she had no knowledge of the account, RJM Acquisitions LLC, on October **, 2011, sent account documentation to *** ****** together with an Inaccuracy / Dispute form to be completed and returned in the event any information was inaccurate. However, the Inaccuracy/ Dispute form was never returned and said phone call was the one and only direct contact RJM Acquisitions LLC had from *** ****** concerning this account.
 

Under separate cover, RJM Acquisitions LLC is re-sending *** ****** the documentation previously sent to her on October **, 2011 together with another Inaccuracy /Dispute form to be completed and returned in the event any information concerning the account is inaccurate (copies attached).

In response to *** ******' concerns about credit reporting, please be advised that after completing our investigation RJM Acquisitions LLC denies that the reporting of the above referenced account is inaccurate. RJM Acquisitions LLC is reporting the account to the credit bureaus as "account information disputed by consumer."

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RJM Aqcuisitions sent an invoice via mail to: ******* ******** ****** June **, 2013. The letter stated I owed a debt totaling $230.93 for a Scholastic account for purchasing childrens books back in 2004. The previous address listed on the letter is not mine either, *** *** ** ** *******. Three options to pay the debt were listed and a response date was August, 2013. My husband and I each called them without success. These purchases accused of making are not valid. Not to mention, the previous address of residency listed and name the notice is addressed to are not mine. It baffles my husband and I how these people even have our address. Basically there is nothing accurate about the letter except our place of current residence. This is a sad, shameful act of fraud. Knowing there are nieve, innocent people who assume the debt is real, paying the cash without question, is disgusting.

Desired Settlement: My husband and I want RJM Acquisitions to be held accountable for all fraudulent transactions made. A thorough investigation and hefty fine along with a genuine apology is fair to all victims involved. This will not stop until something is done about it.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated June **, 2013 concerning the above matter.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.

When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions LLC's letters include some identifying information.

Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.

Previously, mail sent to our customer, ******* ****** ******, was returned by the post office.  Recently, a possible good address was received for our customer and on June *** 2013, RJM Acquisitions LLC sent a letter to ******* ****** ****** (our customer) at ***** **** **** ****** ******* ** *****. For identification purposes the letter included the address of record (the previous address) for the account. A postage paid envelope and a toll free phone number were provided in the event any information was not accurate.

However, contrary to *** ******'s claims, other than the complaint received from your office, RJM Acquisitions LLC was never contacted about this matter.

Regardless, since the individual who received our letter is not the ******* ****** ****** for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address and will send no more mail concerning this matter to ******* ****** ****** at said address.
 

We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
Very truly yours,  
Director of Operations












 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has filed a judgement under my name, for a product or service of another company that I never received. Therefore this judgement should not be mine.

Desired Settlement: Remove the entry off my credit report.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated July *, 2013 concerning the above matter.

Please be advised that a search of RJM Acquisitions LLC's records has failed to reveal an account with a Judgment filed in the name of **** ****** ****** at **** ***** ***** ** **** ****** ** *****.

The information *** **** ****** ****** claims is inaccurately reporting on his credit history may possibly be a mix up by the credit bureau(s) of his credit file with that of a person having the same or similar name.
Please understand that Judgments are public record information. The information is collected and updated regularly from the  courts either  by a representative of the  credit reporting companies or provided directly by the court to the national credit reporting companies.
Should *** **** ****** ****** wish to contact the credit bureaus directly, they can be reached at:

Trans Union    -     ###-###-####
Experian                ###-###-####

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Reporting Collection Account that original bank account closure process covered. Requested verification of original debt and proof that original creditor substantiated the debt. No response. Filed dispute with Credit Bureaus - no response. NO VERIFICATION DOCUMENTATION GIVEN OR EVEN OFFERED. Expected to simply 'take their word for it'

Desired Settlement: NO VERIFICATION DOCUMENTATION GIVEN OR EVEN OFFERED. Expected to simply 'take their word for it' - substantiate the claimed debit balance with all complete and original bank paperwork - or remove from credit report.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated July *, 2013 concerning the above referenced account.

Please be guided by the following: A Compass Bank checking account was opened in the name of **** ** ********, social security number ******-****. The mailing address on the account was/is **** **** ***** ******* ** *****.  Due to delinquency, the account charged off/ defaulted December **, 2008 with a balance due of $199.00.

In January 2010, RJM Acquisitions LLC purchased  this account from Compass Bank.  The bank's address is ** ***** **** ******* ***** ***** *********** ** *****.

Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since March 2010, RJM Acquisitions LLC has been sending letters to *** ********. The letters advised *** ******** that RJM Acquisitions LLC had purchased the above account and provided the abovementioned information (the [full] account number; the name and address of the previous creditor; the account balance; a partial social security number for the accountholder; and the date RJM Acquisitions LLC purchased the account).

In addition, on receipt of a Consumer Dispute Verification (CDV) from Trans Union, RJM Acquisitions LLC responded to the credit bureau "account information disputed by consumer" and sent *** ******** a letter advising him that we had received the CDV and had responded to the credit bureau.

A toll free phone number and postage paid envelope were included with each letter sent to *** ******** in the event any information was not accurate.

However, other than the complaint received  from your office and the CDV received from Trans Union, RJM Acquisitions LLC has never been directly contacted by *** ******** concerning this account.

Regardless, RJM Acquisitions LLC has made a business decision to close the above account.

In addition, RJM Acquisitions LLC requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair  Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: they are trying to collect a debit that is over 7 years old and trying to Re-age a Debt RJM ACQ LLC More about this account >> TransUnion Experian Equifax Original Creditor: 08 BANK OF AMERICA CHECKING ACCOU BANK OF AMERICA CHECKING ACCOU Account #: ************* ************* High Balance: *** *** Date Opened: 12/**/2011 12/**/2011 Date Reported: 05/**/2013 06/**/2013 Balance: *** *** Condition: 05/**/2013 03/**/2012 Responsibility: Individual Individual Remarks:

Desired Settlement: removal of the bad credit marking on credit report

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated June **, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following: A Bank of America checking account was opened in the name of ***** *****, social security number ******-****. A previous address on the account was **** ********  *******  ********  **  *****.  Due  to  delinquency,  the  account  charged off/ defaulted December **, 2007 with a balance due of $843.83.

In December 2011, RJM Acquisitions LLC purchased this account from Bank of America N.A. The bank's address is *** ********* ***** ******* ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since January 2012, RJM Acquisitions LLC has been sending letters to *** *****. The letters advised him that RJM Acquisitions LLC had purchased this account and provided the abovementioned account information. A postage paid envelope and a toll free phone number were included with each letter in the event any information concerning the account was not accurate.

However, other than the complaint received from your office RJM Acquisitions LLC was never contacted directly by *** ***** about this account.

In response to *** *****'s claim that RJM Acquisitions LLC "is trying to re-age a debt. ..," please be assured that RJM Acquisitions  LLC has never re-aged a debt and is accurately reporting the account to the credit bureaus.
 

The above referenced account charged off December **, 2007. Bank of America's trade line should be reporting the account as "account transferred or sold." RJM Acquisitions  LLC's reporting picks up after the account was purchased by RJM Acquisitions LLC (in this case December 2011).

As per the Credit Reporting Resource Guide / Debt Purchaser Guidelines which provides the standards for reporting accounts, the Third Party Collection Agency/Debt Purchaser Reporting section 10 (#4) states: "Date Opened - the  date the account was placed/ assigned to the third party collection agency  or purchased by the debt purchaser ...."

This purchase date (December 2011) does not affect the seven (7) year reporting period which commences with the date of delinquency with the original creditor.

Enclosed please find documentation relevant to the above account which RJM Acquisitions LLC is sending to *** ***** under separate cover together with an Inaccuracy /Dispute form to be completed and returned in the event any information concerning the account is inaccurate.

We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,
*****************

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/12/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was not aware of the debit, I did get a call last month I advised to mail me something I would pay it. So they did I sent in my payment owed $567.55 for an acct I had NO CLUE about, but I can deal with that issues on my own. I did not want this on my credit report. I mailed in payment of $200.00 I called because I did get a email stating I had to pay another $200.00 when I set up plan of $100.00 a month spoke with *****. Who did not care to listen, He kept cutting me off when I stated I had no clue about the acct. He stated it was on my report May 2012 - I myself cleaned my who credit report up - PAID EVERYTHING OFF - I did pay balance in full as of June **, 2013 - While on the phone with ***** who just kept saying Yeah I believe You Yeah I believe you! then stated yeah ok have a good day and hung up! I was not finished with what I was asking I do understand they have people who just can not or do not pay. I was NOT one of them. I do feel as the service is POOR. I did not do any settlement or anything I paid in full! VERY POORT CUSTOMER SERVICE. VERY UNHAPPY with the way I was treated as a paying customer.

Desired Settlement: I want this removed from my credit report!

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated June **, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following: A Bank of America checking account was opened in the name of ******* ** ****, social security number ******-****. A previous address on the account was *** ******* ******* *** *** ********** ** *****. Due to delinquency, the account charged off/ defaulted March *, 2010 with a balance due of $567.55.

In May 2012, RJM Acquisitions LLC purchased this account from Bank of America N.A. The bank's address is *** ********* ***** ******* ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers. At no time did RJM Acquisitions LLC or anyone on behalf of RJM Acquisitions LLC call *** ********** concerning this matter.

As of June **, 2013, the above referenced account has been paid in full.

Please be assured  that RJM Acquisitions LLC is dedicated to exceptional customer service. RJM Acquisitions LLC treats all customers with fairness, dignity and respect and we take great care to resolve our customers' concerns compassionately and amicably. We apologize if this was not the case.

As per *** **********' s specific request, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to the above account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to me at ************.


 






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

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

 

[Your Answer Here]

Not once did the company state my complaint. It was about RUDE service from RJM rep.

this acct is PAID in FULL. I did not live on Academy - but the matter of the complaint was the LACK of CUSTOMER SERVICE.

they pointed out it will take 45 days - Which I am aware of - Not once stated the employee's disrespect.

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

******* ********** 




 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

7/9/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have identity guard. I was notified of a change in my credit rating. I carry an excellent rating. This collection co filed a collection report against my credit on a supposed purchase I DID NOT MAKE. I called the company a month ago, they told me they would have it removed. I just checked & it is still on 2 out of 3 of the credit bureaus. It has dropped my credit rating 200 points ! This is illegal & is causing a lot of damage to my finances! I want this removed & this company needs to be investigated thoroughly !

Desired Settlement: Remove the collection report from all of the credit bureaus! They need to make sure it is removed properly so that my credit is restored to its original standing before they negligently ruined it!!! Thank you.

Business Response:
Thank you for your e-mail dated June **,2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Scholastic account  was  opened November **,2006 in the name of ****** *********. The address on the account was/is **** ****** **** * ** ****** ** *****. A total of $250.37 in payments was received by the book club. The last payment was received March *, 2008. Due to delinquency, the account charged off / defaulted May **, 2009 with a balance due of $59.82.   A list of the items that total $59.82 is attached.
 
In January 2013, RJM Acquisitions LLC purchased this account from Scholastic / Sandvik Publishing. Their address is ******* ***** ***** ******** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On February*, 2013 RJM Acquisitions LLC sent Ms. ********* a letter. The letter advised her that RJM Acquisitions LLC had purchased this account and provided the abovementioned account information along with the list of items purchased. (A second letter was sent to Ms. ********* on May *, 2013.) Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were included in the event any information concerning the account was not accurate.
 
A review of the account on March **, 2013 revealed no record of a dispute (nor had the mail been returned) and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).
 
On May **,2013, RJM Acquisitions LLC received a phone call from Ms. ********* who stated that she never had the account. Please understand that this was the first time  RJM  Acquisitions  LLC  was contacted about this matter.


Regardless, RJM Acquisitions LLC promptly closed the account (on May **, 2013).
 
In addition, RJM Acquisitions LLC requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to  this account. In accordance with the  Fair  Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/2/2013 Billing/Collection Issues | Complaint Details Unavailable
6/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company claims to be collecting a debt owed to Columbia House DVD CLUB which I have never subscribed to. They have been hounding be for years and in this letter are giving me 3 ways to pay a debt I do not owe. They are even offering me a discount if paid by a certain date. They have sent letters to my home, called at work, my cell phone and now sent the last letter to my job. Since I have a web presence all of this info could be accessed from that source. I keep telling them that this is not my debt. I don't want to be harrassed again by this debt collection company.

Desired Settlement: I want them to stop harrassing me

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated June **, 2013 concerning the above referenced account. RJM Acquisitions LLC vehemently denies the allegations made by *** ***** in her complaint.

Please be guided by the following: A Columbia House DVD Club account was opened August *, 2008 in the name of ***** *****. A previous address on the account was *** ***** **** **** ******* ****** ** *****. Due to delinquency, the account charged off/ defaulted January **, 2009 with a balance due of $139.68.

In November 2011, RJM Acquisitions LLC purchased this account from Direct Brands, Inc. Their address is One Penn Plaza, *** **** **** ******* *** ***** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. At no time did RJM Acquisitions LLC or anyone on behalf of RJM Acquisitions LLC call or speak to *** ***** concerning this account.

Since December 2011, RJM Acquisitions LLC has been sending letters to *** *****. The letters advised her that RJM Acquisitions LLC had purchased this  account  and  provided  the  abovementioned information (the name and address of the original creditor; the date the account was opened; the date RJM Acquisitions LLC purchased the  account and a list of the items purchased). A toll free phone number and a postage paid envelope were provided with each letter in the event any information concerning the account was not accurate.

However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by *** ***** about this matter.

Regardless, RJM Acquisitions LLC has closed the above referenced account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

 

[Your Answer Here]

1. I am being contacted at work.

 

2. This not my debt.  

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

***** *****




 

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated June 18, 2013 concerning *** *****'s rebuttal of RJM Acquisitions LLC' s response to the complaint she filed with the Better Business Bureau. It is unfortunate that *** ***** feels RJM Acquisitions LLC' s response did not resolve her complaint. However, every effort was made to assist her.

In her original complaint, *** ***** claimed that RJM Acquisitions LLC was calling her at work and on her cell phone.  In her rebuttal, *** ***** claims that she is being contacted at work.

As we advised, RJM Acquisitions LLC makes no outbound phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. At no time did RJM Acquisitions LLC or anyone on behalf of RJM Acquisitions LLC call or speak to *** ***** or anyone else concerning the above referenced account.

As of June **, 2013, RJM Acquisitions LLC closed the above referenced account. In addition, RJM Acquisitions LLC requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is sending collections notices for a person who has NEVER resided at this address/residence.

Desired Settlement: Please do not send collection notices that do not belong to the residents at this address: **** ****** ****** *** ******* ** *****

Business Response:

 

Dear *** ******:

Thank you for your recent e-mail dated June *, 2013 concerning the above matter.

Please be advised that RJM Acquisitions Funding LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.

When mail for a customer is returned by the post office, RJM Acquisitions Funding LLC makes every effort to locate the correct address for our customer.

Previously, mail sent to our customer, ****** * *****, was returned by the post office. A possible good address was recently received and, on May **, 2013, mail was sent to *** ***** at **** ****** ****** ***** ******* ** *****. A toll free phone number and a postage paid envelope were provided in the event any information concerning the account was not accurate. However, the mail was never returned and, other than the complaint received from your office, RJM Acquisitions Funding LLC was not advised that the address was not that of our customer.

Regardless, RJM Acquisitions Funding LLC has closed the abovementioned address and will send no more mail concerning this matter to ****** * ***** at**** ****** ****** ***** ******* ** *****.

We sincerely regret any inconvenience this may have caused and thank you for bringing this matter to our attention. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/15/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have been receiving collection notices regarding some order made that does not belong to me. I have contacted the company and have written back to explain that I am not responsible for such account. I have asked if I may provide proof of being victim to fraud and the company clearly does not care. I have lived in my current home (which was purchased) for over 3 years. During my time in a rental apartment, I fell victim to identity theft due to stolen mail and information which was obtained illegally in my place of employment. I work for a county hospital that was victim of stolen computers which contained private informtaion of several employees during benefit enrollment. My credit report is locked and has been on fraud alert since 2008. The collection notice is being sent to my maiden name and I am unsure of how that name was obtained. My name was legally changed prior to 2008 and teh account listed has a date of 2008-2009.

Desired Settlement: To delete the collection account from my credit history and stop sending me invoices that do not belong to me.

Business Response: Dear ** ******:
 
Thank you for your e-mail dated March *, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ********** account was opened June **, 2008 in the name of **** ******. A previous address on the account was **** *** ***** ***** ****** ****** ********. A total of $39.91 in payments was received by the book club; the last payment was received October **, 2008. Due to delinquency, the account charged off/ defaulted August *, 2009 with a balance due of $86.79.
 
In January 2013, RJM Acquisitions LLC purchased this account from ************* Publishing. Their address is ****************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On January **, 2013, RJM Acquisitions LLC sent a letter to ** ******* at the address of record (*** ** **** ***** *** **** ***********). On February **, 2013, on receipt of a new address, a second letter was sent to ** ****** (at ************************). Each letter included the  above information and listed the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any  information concerning the account was not accurate.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by ** ***** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (************************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
****** * ******
Director of Compliance

Business Response: Dear ** *****:
 
Thank you for your e-mail dated June **, 2013 concerning ** ****** rebuttal of RJM Acquisitions LLC's response to the complaint she filed with the Better Business Bureau.
 
Please refer to original complaint ** ***** filed with your office (March *, 2013). ** ******* complaint was in reference to a ********* account (with a balance of $86.79) which RJM Acquisitions LLC purchased from ****************** Publishing in January 2013.
 
In our response, RJM Acquisitions LLC advised that we had closed said account. In addition, RJM Acquisitions LLC requested that the credit bureaus (*************************) delete the RJM Acquisitions LLC trade line pertaining to the account.
 
Please be advised that ** ******* rebuttal is for a second account opened in her name.
 
Please be guided by the following: A *************************** account was opened July **, 2008 in the name of **** ***** - for ******* *******. The address on the account was/is ****************************************. A total of $14.95 in payments was received by the book club.  Due  to delinquency, the account charged off/ defaulted August **, 2009 with a balance due of $86.35.
 
In November 2011, RJM Acquisitions LLC purchased this account from ************************ Entertainment LLC. Their address is ************************.
 
Since January 2012, RJM Acquisitions LLC has been sending letters to ** ******* for the ********************* Club account.

Likewise, other than the complaint received from your office and a Consumer Dispute Verification from Experian, RJM Acquisitions LLC has never been directly contacted by ** ****** about this account.
 
Regardless, RJM Acquisitions LLC has also closed the above ************************. In addition, RJM Acquisitions LLC requested that the credit bureaus (************) delete the RJM Acquisitions LLC trade line pertaining to the account. In accordance with the  Fair  Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******** * ******
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

**** ****** 


 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received an invoice from RJM Acquisitions LLC and have disputed the invoice #********* (amount $400.56) multiples times via telephone ###-###-#### and facsimile ###-###-#### written letter (1/**/2013, 2/**/2013 and 4/**/2013) requesting invoice #********* be removed from the credit bureau, it is not my account and I do not owe such money. I had my credit report done in February, 2013 and now in addition #******** (amount $34) has been added, this is not my account and I do not owe such money. I have given RJM sufficient time to take care of this matter and RJM Acquisitions LLC has failed to acknowledge my telephone requests moreover to respond to my written requests. I seek your assistance in resolving this matter. Sincerely, ******** ******

Desired Settlement: Remove and clear my name from the credit bureau, invoice #********* and #******** are not my accounts and due to RJM Aquisitions negligence in responding to my multiple requests the account is damaging my credit.

Business Response:

 

Dear *** ******:

Thank you for your recent e-mail dated April **, 2013 concerning the above referenced account.

Please be guided by the following: A Columbia House DVD Club account was opened August **, 2008 in the name of ******** *****. Due to delinquency, the account charged off/ defaulted December **, 2009 with a balance due of $400.56.

In November 2011, RJM Acquisitions LLC purchased this account from Direct Brands, Inc.  Their address is One Penn Plaza, *** **** **** ******* *** ***** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

On January **, 2013, RJM Acquisitions LLC received faxed correspondence from *** ****** in which she disputed some aspect of the above account. Please understand that this was the first time RJM Acquisitions LLC was contacted about this account.

On receipt of *** ******'s correspondence, RJM Acquisitions LLC promptly closed the account (January **, 2013).

In addition, RJM Acquisitions LLC requested that the credit bureaus  (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the  Fair  Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

In the complaint *** ****** filed with your office, she states that a second account - number ******** was reporting on her credit report. However, RJM Acquisitions LLC's records do not reveal an account with said account number.

We trust this addresses your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,




********
 Director of Compliance

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

 

 Dear ** ******
Good evening!
I was not able to access my email account due to internet disability.  The issue is not resolved RJM did not remove my name from the credit bureau and moreover fail to correct that account.  I owe no monies to RJM and do own the account.
Please assist with this matter.
 
Regards
********

 

 

Sincerely,
******** ******




 

Business Response:

 

Dear *** ******:


Thank you for your e-mail dated May **, 2013 concerning *** ******'s rebuttal of RJM Acquisitions LLC's response to the complaint she filed with the Better Business Bureau.

RJM Acquisitions LLC takes very seriously each and every concern that we receive and we make every effort to resolve them compassionately and amicably.

It is unfortunate  that *** ****** feels RJM Acquisitions LLC's response did not resolve her complaint. However, every effort was made to assist her. RJM Acquisitions LLC's first direct contact from *** ****** concerning a Columbia House DVD Club account (number ending w/****) was on January **, 2013 when we received a facsimile from her disputing some aspect of the account.

As a result, RJM Acquisitions LLC promptly closed said account (on January **, 2013). In addition, RJM Acquisitions LLC requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to the account.

On April **, 2013, on receipt of the original complaint from your office, RJM Acquisitions LLC confirmed with the credit bureaus (Trans Union and Experian) that the  account was not being reported for *** ******.

On receipt of *** ******'s rebuttal, RJM Acquisitions LLC has again followed up with the credit bureaus. Trans Union and Experian have confirmed that said account is not being reported for *** ****** (aka *****). It is suggested that *** ****** provide us with documentation of  the RJM Acquisitions LLC account she claims is reporting for her.
 

Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/12/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company is continually contacting me regarding a debt I do NOT owe. (BBB access code ************) I have not had an account with Meaningful Beauty in more than five years and I owed nothing when I cancelled that account. Please update your records accordingly.

Desired Settlement: Please notify whatever bogus company you got this account from that their information is incorrect. I dispute this debt on the basis that I did not owe anything to the company upon cancellation of my account. As with all online companies, they would have immediately charged my credit card for every single order BEFORE shipping rendering me unable to "owe" anything. Please correct your records accordingly.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following: A Meaningful Beauty Skin Care Products account was opened April **, 2009 in the name of ******* ********. The address on the account was/ is **** ***** **** ****** ******** ** *****. A total of $73.80 in payments was received by Meaningful Beauty Skin Care Products. The last payment was received May **, 2009.  The account had a balance due of $59.90 for products shipped at the time RJM Acquisitions LLC purchased the account. A list of the items purchased  is attached.

In December 2012, RJM Acquisitions LLC purchased this account from Guthy-Renker LLC. Their address is **** ***** **** ***** ***** ******* ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since February 2013, RJM Acquisitions LLC has been sending letters to *** ********. The letters advised her that RJM Acquisitions LLC had purchased this account and provided the abovementioned information.

However, other than the complaint received from your office, RJM Acquisitions LLC has never been contacted about this matter.

Regardless, RJM Acquisitions LLC has closed the above account.
 

RJM Acquisitions LLC has never reported this account to any credit reporting agency.

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

Your information is incorrect and letters will be submitted to all three credit reporting agencies concerning this matter.

 

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

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




 

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning *** ********'s rebuttal of RJM Acquisitions LLC's response to the complaint she filed with the Better Business Bureau.

Please refer to original complaint *** ******** filed with your office (on May **, 2013). *** ********'s complaint referenced her Meaningful Beauty Skin Care Products account which RJM Acquisitions LLC purchased from Guthy-Renker LLC in December 2012.

In our response, RJM Acquisitions LLC advised that we had closed said account and that RJM Acquisitions LLC had never reported the Meaningful Beauty Skin Care Products account to any credit reporting agency.

In her rebuttal, *** ******** says "Your information is incorrect and letters will be submitted to all three credit reporting agencies concerning this matter."

Please be advised that a second account appears to be the account *** ******** is referring to in her rebuttal. A Crafters Choice Book Club account - number ending w/ **** was opened July **, 2008 in the name of ******* ********. The address on the account was/ is **** ***** **** ****** ******** ** *****. Due to delinquency, the account charged off / defaulted January **, 2009 with a balance due of $56.77.

Please also understand that the account was not included in the complaint *** ******** originally filed with the Better Business Bureau.
 
In November 2011, RJM Acquisitions LLC purchased the account from Bookspan/Doubleday Entertainment LLC. Bookspan/Doubleday's address is *** ** **** ******* *** ****** *** ***** ** *****.

Likewise, since January 2012, RJM Acquisitions LLC has been sending letters to *** ******** concerning the Crafters Choice Book Club account. However, RJM Acquisitions LLC has never  been  directly contacted by *** ******** about the account.

Regardless, RJM Acquisitions LLC has closed the Crafters Choice Book Club account. In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to the (Crafters Choice Book Club) account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have multiple items requested that they show me a receipt of me authorizing the BMG music group to charge me for the cd's they sent me. I had cancelled my membership and met all the required terms. After I had ended my membership RJM says the BMG sent me cd's and I did not pay for them. I never requested or bought any cd's from BMG after I cancelled my membership. RJM simply says well we bought this from BMG and you need to pay the bill. They send me a receipt of what was "sent" to me but nothing proving that I received the items or that I had requested them in the first place. So now I have a collection account hurting my credit score.

Desired Settlement: I want them to show where I picked those cd's and ordered them, which they wouldn't be able to do as I stated earlier because I never requested them. So that being the case I want this bill erased and this collection removed from my ENTIRE credit history for the two credit bureaus where this is being reported.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning the above account.

Please be guided by the following: A BMG Music Club account was opened August **, 2005 in the name of ****** *******. The address on the account was/ is **** ******* ******* ********* ** *****. A total of $278.47 in payments was received by BMG Music Club. The last payment was received January 1*, 2008. Due to delinquency, the account charged off / defaulted with a balance due of $133.62. A statement listing the item(s) purchased is attached.

In November 2011, RJM Acquisitions LLC purchased this account from Direct Brands, Inc. Their address is One Penn Plaza, *** ** **** ******* *** ***** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since December 2011, RJM Acquisitions LLC has been sending letters to *** *******. Please be assured that there is nothing harassing in our letters. The letters advised *** ******* that RJM Acquisitions LLC had purchased this account and provided the abovementioned account information. A list of the items purchased was included along with a postage paid envelope and a toll free phone number in the event any information concerning the account was not accurate.

Contrary to *** *******'s claim that "RJM simply says well we bought this from BMG and you need to pay the bill ...," please be advised that at no time did RJM Acquisitions LLC or anyone on behalf of RJM Acquisitions LLC speak to *** ******* concerning the above account. RJM Acquisitions LLC's representatives are regularly monitored and must adhere to high standards of compliance with the FDCPA. RJM Acquisitions LLC would never tolerate any illegal or inappropriate debt practices. Furthermore, other than the complaint received from your office, RJM Acquisitions LLC has never been contacted by *** ******* concerning this account.
 

Regardless, RJM Acquisitions LLC has closed the account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to me at ###-###-####.

Very truly yours,

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated June 5, 2013 concerning *** *******'s rebuttal of RJM Acquisitions LLC's response to the complaint he filed with the Better Business Bureau.

In November 2011, RJM Acquisitions LLC purchased the above referenced BMG Music Club account from Direct Brands, Inc.  Their address is One Penn Plaza, *** ** **** ******* *** ***** ** *****.

As advised in our previous response, RJM Acquisitions LLC has closed the above account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete (remove) RJM Acquisitions LLC's reporting of this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to me at ###-###-####.

Very truly yours

 

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 and the matter has been resolved.

Sincerely,

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



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/10/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I don't know who this company is or what they are trying to collect. I do not and have never had an MBNA account, certainly no credit card for over $5000.00. I demand that this collection effort stop. These people are sending collection letters to my place of employment and I want them to cease and desist this effort. I have never owed this and I want a confirmation letter that they have acknowledged this is not my debt.. Additionally, I want a letter of confirmation that this is not on my credit report., or I will contact the Attorney General's office.

Desired Settlement: I want a letter acknowledging that this is not my debt and a letter from them stating that this has been removed from my credit report.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following: An MBNA Visa account was opened in the name of ******** ** ****, social security number ******-****. A previous mailing address on the account was * ***** ******* ******* *********** ** *****.

In January 2005, RJM Acquisitions Funding LLC purchased the above account. The account balance due was $5,181.83.

Please be advised that RJM Acquisitions Funding LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since July 2006, RJM Acquisitions Funding LLC has been sending letters to *** **** (aka ******). The letters advised her that RJM Acquisitions Funding LLC had purchased this account and included a request that she contact RJM Acquisitions Funding LLC in the event any information concerning the account was not accurate. A postage paid envelope and a toll free phone number were provided with each letter.

However, other than the complaint received from your office, RJM Acquisitions Funding LLC has never been contacted by *** ****** about this account.

Regardless, RJM Acquisitions Funding LLC has closed the above account.

RJM Acquisitions Funding LLC has never reported the above account to any credit reporting agency.
 

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,




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



BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: RJM has purchased an account that has been closed and is now trying to collect monies not owed to them. I have tried repeatedly to secure an equitable and fair settling with One Spirit #*********, but to no avail. This account was closed by me, more than 3 years ago and now RJM has purchased an fraudulent account from a company that does not honor the terms of their contract in terms of service and cancellations. I will NOT pay this request for money, now or in the future. I highly recommend that the BBB reconsider the A+ rating it has given to RJM Acquisitions in light of the fact, that RJM purchases contracts that are invalid and then begins collections processes that are not warranted. They should do a bit more research on the contracts they purchase.

Desired Settlement: That RJM Acquisitions NEVER contact me again regarding One Spirit!

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

Please be guided by the following: A One Spirit Book Club account was opened May **, 2008 in the name of ***** ** *******. The address on the account was/is **** **** ****** ***** ******** ** *****. A total of $461.71 in payments was received by the book club; the last payment was received May **, 2009.  Due to delinquency, the account charged off/ defaulted April *, 2010 with a balance due of $101.15. A list of the items purchased is attached.

In November 2012, RJM Acquisitions LLC purchased this account from Bookspan/Doubleday Entertainment LLC. Their address is *** **** **** ******* *** ****** *** ***** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since January 2013, RJM Acquisitions LLC has been sending letters to *** *******. The letters advised her that RJM Acquisitions LLC had purchased this account and provided the abovementioned information (the account number; the name and address of the original creditor; the date the account was opened; the items purchased totaling $101.15; and the date RJM Acquisitions LLC purchased the account) along with several opportunities to satisfy the account. A toll free phone number and a postage paid envelope were included with each letter in the event any information pertaining to the account was not accurate.

However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by *** ******* concerning this account.
 

Regardless, RJM Acquisitions LLC has closed the above referenced account.

In addition, RJM  Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,




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








BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/6/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a letter in the mail to pay a settlement for the amount owed in which I did and when I check my records I was still getting letters in the mail even though the check has posted and cleared to the company. I have mailed letters alerting them of the issue and my bank has also contacted them but no responses.

Desired Settlement: I would like the bill marked paid in full and removed from my credit or mark as paid and closed. I would also like a letter stating that the account is closed and paid in full.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May *, 2013 concerning the above matter. In response to your e-mail, please be guided by the following:

Black Expressions Book Club account number ending w/**** was opened June *, 2004 in the name of *** ******* ******. A previous address on the account was **** ****** ****** **** *** ****, *** **, ********* ** *****. A total of $37.96 in payments was received by the book club. Due  to  delinquency,  the  account charged  off/ defaulted  June  **, 2006 with a balance due of  $69.05.

Black Expressions Book Club account number ending w/ **** was opened December *, 2007 in the name of ******* ******. A previous address on the account was **** ****** ****** **** *** ****, *** **, ********* ** *****. Due to delinquency, the account charged off/ defaulted August *, 2008 with a balance due of $104.35.

A statement listing the items purchased for each of the above accounts is attached.

In December 2009, RJM Acquisitions LLC purchased the  account number ending w/**** and in December 2010 the account number ending w/ ****. The accounts were purchased from Bookspan/Doubleday Entertainment LLC. Their address is *** ** **** ******* *** ****** *** ***** ** *****.

On March **, 2013, RJM Acquisitions LLC received a payment in the amount of $55.24. The payment indicated that it was for the account number ending w/****, which left a balance due of $49.11 for the account.

RJM Acquisitions LLC has not received a payment for the account number ending w/****.
 
Regardless, Regardless, RJM Acquisitions LLC will consider the payment received ($55.24) as a settlement of the account number ending w/ **** and will close the account number ending w/****.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to the account number ending w/ ****. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes. (RJM Acquisitions LLC is not reporting the account number ending w/**** to any credit reporting agency.)

We trust this covers your concerns. Should you have any questions or if we can be of further assistance please do not hesitate to contact us.




Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning *** ****** rebuttal of RJM Acquisitions LLC's response to the complaint she filed with the Better Business Bureau.  Please be guided by the following:

Black Expressions Book Club account number ending w/**** was opened June *, 2004 in the name of *** ******* ******. A previous address on the account was **** ****** ****** **** *** ****, *** **, ********* ** *****. A total of $37.96 in payments was received by the book club. Due to delinquency, the account charged off/ defaulted June **, 2006 with a balance due of $69.05.

Black Expressions Book Club account number ending w/ **** was opened December *, 2007 in the name of ******* ******. A previous address on the account was **** ****** ****** **** *** ****, *** **, ********* ** *****. Due to delinquency, the account charged off/ defaulted August *, 2008 with a balance due of $104.35.

As previously advised, RJM Acquisitions LLC purchased the above accounts from Bookspan/Doubleday Entertainment LLC. Their address is *** ** **** ******* *** ****** *** ***** ** *****.

In our response dated May *, 2013, RJM Acquisitions LLC advised that we would consider a payment we received ($55.24) as a settlement of the account number ending w/ **** and would request that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line  pertaining  to  this account.

In addition, RJM Acquisitions LLC advised that we had closed the account number ending w/**** and that we were not reporting the account to any credit reporting agency.

In her rebuttal, *** ****** says that she would like to pay the balance on the account number ending w/****; and requested a bill showing the amount owed.
 
Please be assured that RJM Acquisitions LLC appreciates *** ******' attempt to satisfy this account; however, RJM Acquisitions LLC previously made a business decision to close the account. The account is closed. In addition, on June *, 2013, RJM Acquisitions LLC received a payment in the amount of $1.00 for the account (number ending w/****). RJM Acquisitions LLC is in the process of refunding the payment to *** ******.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,

* **********
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

******* ****** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/4/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: They are attempting to collect a debt from ********** ****** **** **** ******** ******* which we settled over 2 years ago for products that were returned unused to the company. We initially purchased 1 shipment from this company then subsequently received 2 further shipment which we did not order and were returned through the USPS 'refuse' return shipment. After the second package was returned and not paid for they did not have any authorization to send a third package but they did any way. The last one was refused when the postal carrier brought it to our door. We received several calls from ********** and eventually they agreed that they had record of the products were returned and agreed to stop any further action. Over a year later we started getting annoying phone calls and then letters and emails in an attempt to collect a debt which we do not owe. We had a lawyer send them a notice that we did not owe any money to them and that the matter should be closed and we didn't hear from them for over a year and now they are starting up again which appear to be their MO as we have seen on web searches. It actually appears that they owe us money as they made a partial charge to our charge card for the second shipment which was returned and I was unaware of until I saw their invoice.

Desired Settlement: Acknowledge of error, discontinue any further attempt to collect this fraudulent debt and insure that no further action will be taken in regard to our credit standing.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following: A Meaningful Beauty Skin Care Products account was opened March **, 2010 in the name of **** ******. The address on the account was/is **** ******* ***** ************ ** *****. A total of $73.88 in payments was received by Meaningful Beauty Skin Care Products. The last payment was received April **, 2010. The account had a balance due of $157.74 for products shipped at the time RJM Acquisitions LLC purchased the account. A list of the items is attached.

In December 2012, RJM Acquisitions LLC purchased this account from ************ ***. Their address is **** ***** **** ***** ***** ******* ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. At no time did RJM Acquisitions LLC call or attempt to call *** ****** or anyone else concerning this matter.

Since February 2013, RJM Acquisitions LLC has been sending letters to *** ****** concerning the above account. The letters advised *** ****** that RJM Acquisitions LLC had purchased the account and provided the abovementioned account information. A postage paid envelope and a toll free phone number were included in the event any information concerning the account was not accurate.

However, other than receipt of the complaint from your office, RJM Acquisitions LLC has never been contacted by anyone concerning this matter.

Regardless, RJM Acquisitions LLC has closed the above referenced account.
 

RJM Acquisitions LLC has never reported this account to any credit reporting agency.

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.






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

Consumer Response: Better Business Bureau:

 
RJM has stated that the case is closed so we are satisfied as long as they make no further attempt for payment.  They stated that they have sent letters which we never received, only 3 e-mails which we tried to reply.  The last time we tried to call them directly and although I called during regular business hours on a Friday the recording said that they were closed. 

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

Sincerely, 

**** ****** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/31/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: About 6 years ago I started receiving bills from a business called "Black Expressions Book Club." It wasn't my correct name, and I had never ordered anything or had any dealings of any sort with this business, or any similar business. I assumed it was a mistake, and ignored it for awhile. When the bills continued, I called the business. It was clearly a mistake. I never lived in *****, it was not me, not my name or address, never ordered anything, never had any business with this company, and it was their error. It took me several phone calls to finally reach someone at the "Black Expressions Book Club." I was told they would address the situation, and that they would clear up this billing mistake. They did not. The only thing they did was to fix the name from the original bill to the name I gave them! Then the collection letters and calls started. I couldn't believe they sold this fake bill to a collection agency. I called. My husband called. We wrote letters. Every time, after an enormous amount of time and stress, I'm told it's cleared up. I just received another letter from this collection agency. Both the "Black Expressions Book Club" and the RJM Acquisitions have continued this fraudulent charge against me for years. They know it was never my charge. I have addressed it every single time and been told the same thing, that it's a mistake and has been cleared up. Yet they continue the harassment. The collection agency must know that bill was a scam, yet they still keep going.

Desired Settlement: I want a formal letter from BOTH the book club and the collection agency that this matter is over, the bill was never mine, and it was their error FOR 6 YEARS! The book club sold a bill that was a fraud or a scam or whatever that company does, and they both know it. I want advice on how to pursue legal action against both businesses.

Business Response:

 

Dear *** ******:

 

Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

 

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort
to resolve their concerns compassionately and amicably. At no time did RJM Acquisitions LLC call *** ******* or anyone else concerning this matter.

 

When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person.
However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient
of our letter is the accountholder, the letter includes some identifying information.

 

Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived
in the same locale.

 

Recently, a possible good address was received for our customer,**** *******, and on May **, 2013, RJM Acquisitions LLC sent a letter addressed to her (our customer) at *** *********** ***** *** ***** ******** ** *****. For identification purposes the letter included the address of record for the account. A postage paid envelope and a toll free phone number were provided in the event any information was not accurate.

 

However, other than the complaint received from your office, RJM Acquisitions LLC has no record of being contacted concerning this account.

 

Regardless, since the recipient of our letter is not the **** ******* for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address. In addition,
in order to avoid any confusion in the future, RJM Acquisitions LLC has permanently closed the underlying account for which the mail was sent along with a second accountopened in the name of Jeane Kennedy.


We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

 

Very truly yours,

 



 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/29/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: RJM Acquisitions LLC is on my credit report with a past due balance of $79. I've never signed up for service with the company and would like a copy of the application that was filled out. I've contacted their customer service department and was told they do not have an application showing that I opened this account in 12/2010. I need a copy of the application or some sort of documentation. I would like law enforcement to look into this matter, but I need a signed application, or some sort of documentation regarding this fraudulent account.

Desired Settlement: Please remove this fraudulent account from my credit reports.

Business Response:

Dear *** ******:


Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

Please be guided by the following: A Black Expressions Book Club account was opened May **, 2006 in the name of ******* ****. The address on the account was/is *** *********** ******* ***** ***** ** *****. A total of $38.93 in payments was received by the book club. Due to delinquency, the account charged off/ defaulted July **, 2008 with a balance due of $79.77. A list of the items purchased is attached.

In December 2010, RJM Acquisitions LLC purchased this account from Bookspan/Doubleday Entertainment LLC. Their address is *** **** **** ******* *** ****** *** ***** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

Since January 2011, RJM Acquisitions LLC has been sending letters to *** ****. The letters advised her that RJM Acquisitions LLC had purchased this account and provided the abovementioned information (the account number; the name and address of the original creditor; the date the account was opened; the items purchased totaling $79.77; and the date RJM Acquisitions LLC purchased the account) along with several opportunities to satisfy the account. A toll free phone number and a postage paid envelope were included with each letter in the event any information pertaining to the account was not accurate.

However, contrary to *** ****'s claim, the only direct contact RJM Acquisitions LLC had from *** **** concerning this account was an e-mail we received from her on May **, 2013 after we had received her complaint from your office.

 Regardless, RJM Acquisitions LLC has closed the above referenced account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,
********************
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/24/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was looking at my three credit reports and I see this company on there stating I owe them $25.00 and it's seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department. I have never heard of the company I have never receved anything in writing from this company stating I owe them anything. They are breaking the law under the FDCPA.

Desired Settlement: I want this illegal and negative reporting to stop at once and removed reom my credit reports.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May **, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following:  A Scholastic account was opened August *, 2007 in the name of ******* ***. The address on the account was/is ** ***** ****** ******** ** *****. A total of $45.34 in payments was received by Scholastic; the last payment was received December **, 2008.  Due to delinquency, the account charged off / defaulted June *, 2010 with a balance due of $25.90. A list of the items purchased is attached.

In January 2013, RJM Acquisitions LLC purchased this account from Scholastic / Sandvik Publishing. Their address is ******* ***** ***** ******** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

On January **, 2013, RJM Acquisitions LLC sent *** *** a letter advising her that RJM Acquisitions LLC had purchased  this account.  The letter provided  the above information  and listed the items purchased. (A second letter was sent to *** *** on March **, 2013.)

A review of the account on March *, 2013 revealed no record of a dispute; and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).

Regardless, RJM Acquisitions LLC has closed the account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,

Director of Compliance

 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

 

This is the common practice of a junk debt buyer.  Unfortunately I have had to deal with this type of company before. Like I stated in my complaint,  I never received  any letters or documents of any kind from this junk debt buyer, if they did send them to me I would like to see the certified mail tracking number for these letters or documents they say they sent. Only by checking my credit reports did I see this fraudulent charge.


I have sent a certified  (VOD) - validation of debt letter to this junk debt buyer, I have not received any response as of yet.  As with another junk debt buyer I had to deal with I will be suing them if this is not removed from my credit reports a I do not receive the documentation I asked for in the validation of debt letter that I am allowed to ask for by law.

 

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

**** *** 




 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/19/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Account#*** I pulled my credit bureau report (S) and I discovered that you claim I owe you a debt account number ***. Under 809 of FDCPA, I am requesting validation of the debt, which includes a copy of the debt for which you are collecting. Thank you.

Desired Settlement: Deletion of this negative mark against my credit file.

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May *, 2013 concerning the above referenced account.

In response to your e-mail, please be guided by the following: A Scholastic account was opened September **, 2007 in the name of **** ****. A previous address on the account was *** ****** **** *** ********* ** *****. Due to delinquency, the account charged off / defaulted October *, 2010 with a balance due of $36.90.

In January 2013, RJM Acquisitions LLC purchased this account from Scholastic / Sandvik Publishing. Their address is ******* ***** ***** ******** ** *****.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.

On February *, 2013, RJM Acquisitions LLC sent a letter to *** **** advising her that RJM Acquisitions LLC had purchased this account. A second letter was sent February **, 2013. The letter(s) included the above information and listed the items purchased. A postage paid  envelope  and  a  toll  free  phone number were provided in the event any information concerning the account was not accurate.

A review of the account on March **, 2013 revealed no record of a dispute; and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).              

On April **, 2013, on receipt of a Consumer Dispute Verification (CDV) from Experian, RJM Acquisitions LLC responded to the credit bureau /1 account information disputed by consumer" and sent *** **** a letter advising her that RJM Acquisitions LLC had received the CDV. The letter stated that RJM Acquisitions LLC had responded to the credit bureau and requested that *** **** contact  us  if  she believed  anything about the account was not accurate.
 
However, other than the complaint received from your office and the CDV from Experian, RJM Acquisitions LLC has never been directly contacted by *** **** about this account.

Regardless, RJM Acquisitions LLC has closed the account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

 
Very truly yours,
 

***   ** ** ******** *** ****
******* * *********
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/16/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: HI.. I have sent this company a letter of Validation and a cease and desitist order.. under the FDCPA sec 809b they have to Validate a debt with in 30 days or cease all collection efforts.. They are stil reporting on my credit as a debt.. reporting to *******.. ********** and ******** constitues collection according to the opionion letters to the FTC... When i called them to ask for validation they said they have to get the documents from the bank,, ( note that means you are unable to validate this dept) and they need to deleted asap all collection actitivies...I will forward a copy of all douctimention to the Attoney general in Nc and NY and to the ftc if we cant the approperiate resoultion.. they seem to think they can disobey the law... its the law they have 30 days. I have the tracking numb3er to prove they received the item and the date.. so i gave them 30 days from that date. and allowed a few days for us mail.. upon not recivieng anything i called them and they stated they have to get the info from the creditor.. thats not how it works.. and all documation has to be the orinal.. no copies .. email ect.... this is also in the law.. I want to thankyou for your prompty quick reponce

Desired Settlement: under the FDCPA im asking for the 1000.00 fine they would have to give to the ftc for not validating with in 30 days and for this account to be completely closed and remove the trade lines from the credit beuros...ASap.. as from their own admittance they cant validate this items. thankyou for your time

Business Response: Dear ** *****:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
Please be advised that RJM Acquisitions LLC has properly complied with the FDCPA. ** ********* request for compensation is without merit and therefore denied.
 
Please be guided by the following: A **** ** ******** checking account was opened December *, 2006 in the name of ****** *******, social security number ***-**-****. A previous address on the account was ***********************************. Due to delinquency, the account charged off/ defaulted with a balance due of $834.69.
 
In December 2011, RJM Acquisitions LLC purchased this account from **** ** ******* ***. The bank's address is **********************************.
 
RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Our records reveal that letters sent to ** ******** advised her that RJM Acquisitions LLC had purchased this account and provided the abovementioned account information (the name and address of the original creditor; the account number; a partial social security number for the accountholder; the account balance; the address of record for the account; and the date RJM Acquisitions LLC purchased the account).
 
In addition, on receipt of a Consumer Dispute Verification (CDV) from the credit bureau, RJM Acquisitions LLC responded to the credit bureau "account information disputed by consumer"  and sent ** ******** a letter advising her that we had received the CDV and had responded to the credit bureau.

A postage paid envelope and a toll free phone number were included with each letter in the event any information was inaccurate.
 
RJM Acquisitions LLC's first direct contact with ** ********* was on March **, 2013 when she called and requested validation of the account. RJM Acquisitions LLC advised ** ******** that we would obtain the relevant documentation from **** ** ******* and mail it to her once it was received.
 
On April **, 2013, RJM Acquisitions LLC mailed the attached documentation to ** ********* together with an Inaccuracy /Dispute form to be completed and returned in the event any information was not accurate.
 
On April **, 2013, RJM Acquisitions LLC received a phone call from ** ******** who made arrangements to satisfy the account.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.


Very truly yours,
******** * ********
Director of Compliance
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/16/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: A collections account has been added to my credit report, which has caused my credit score to drop significantly. I have no idea what this collection agency is or what the debt entails. I have had no contact from them, whatsoever. There was no attempt to collection money from me or to attempt to explain what this debt is. If I was given the opportunity to pay the account (if it is valid), then maybe my credit score wouldn't have dropped.

Desired Settlement: Please provide valid proof that this is my account or remove it from my credit report.

Business Response: Dear ** ******:
 
Thank you for your recent e-mail dated April **, 2013 concerning the above referenced account.
 
Please be guided by the following: A ***************************** account was opened March **, 2007 in the name of ****** *****. A previous address on the account was ********************************. A total of $20.00 in payments was received by the *** ****. Due to delinquency, the account charged off/ defaulted July **, 2009 with a balance due of $89.29.
 
In November 2012, RJM Acquisitions LLC purchased this account from ****** ****** ***. Their address is **********************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Our records reveal that, on February **, 2013, RJM Acquisitions LLC sent ** ***** a letter advising her that RJM Acquisitions LLC had purchased this account. The letter provided the abovementioned account information along with a statement listing the items purchased. A postage paid envelope and a toll free phone number were included in the event any information was not accurate.
 
On March **, 2013, a review of the account revealed no record of a dispute; and RJM Acquisitions LLC subsequently reported  the account to the credit bureaus (**************************).
 
Regardless, RJM Acquisitions LLC has closed the above account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (*******************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this addresses your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******* * *********
Director of Complaince

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/14/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Recently I checked my credit report and found a collection listed on my credit report from RJM ACQUISITIONS for a *** ***** account. I never had a *** account. This account is not mines. I NEVER receive any notice about this debt. If I had, it would have been sorted out that this account is not mines. ON March **, 2013 I disputed this debt with all 3 major credit bureaus and I mailed (certified mail) RJM ACQUISITIONS a letter asking for validation and for verification, and also letting them know that this is not my debt. They ignore me and verified this debt with the bureaus. The bottom line is that I NEVER APPLIED FOR OR HAD A *** ***** ACCOUNT.

Desired Settlement: I want this off my credit report immediately!!!

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May *, 2013 concerning the above account.

Please be guided by the following: A BMG Music Club account was opened January **, 2007 in the name of **** ***** ****. A previous address on the account was **** *** ******* *** *** ****** ** *****. A total of $332.59 in payments was received by BMG Music Club. The last payment was received February **, 2007. Due to delinquency, the account charged off/ defaulted with a balance due of $26.59.

A statement listing the item(s) purchased is attached.

In November 2011, RJM Acquisitions LLC purchased this account from Direct Brands, Inc. Their address is *** **** ****** *** ** **** ******* *** ***** ** *****.

On December **, 2011, RJM Acquisitions LLC sent *** **** a letter advising her that RJM Acquisitions LLC had purchased this account. The letter provided the above account information  along  with  a statement listing the item purchased that totaled $26.59. A postage paid envelope and a toll free phone number were included in the event any information concerning the account was not accurate.

On January **, 2012, a review of the account revealed no record of a dispute; RJM Acquisitions LLC subsequently reported  the account to the credit bureaus (Trans Union and Experian).

On April *, 2013, RJM Acquisitions LLC received correspondence from *** **** requesting validation of the debt. On April *, 2013, RJM Acquisitions LLC sent *** **** the account information together with an Inaccuracy /Dispute form and a request that she complete and return the form in the event any information was not accurate.

However, to date, RJM Acquisitions LLC has not received the completed Inaccuracy /Dispute form. Regardless, RJM Acquisitions LLC has closed the account.
 

In addition, RJM  Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to me at ###-###-####.

Very truly yours,
•••••


****************
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

***** **** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/13/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: The company continues to send me notices to collect debt for a different person with a similar name and similar former address. I have contacted the company three times to alert them of their error. However, these bills continue to follow me around, and I consider it harassment. The bill is for one ****** ****** dating to 2007 for some sort of book club fee. ****** apparently lived at **** * *** ****** **** **** ************ ** during that time, according to the bill. In 2001-2002 I lived on the *** floor of the same dormitory.

Desired Settlement: I want the company to stop contacting me.

Business Response:
Dear ** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers.
 
When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name or with a similar name. In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions LLC's letters include some identifying information - the address of record for the accountholder and/ or a partial social security number. A toll free phone number and a postage paid envelope are provided with each letter in the event any information concerning the account is not accurate.
 
Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
Recently, a possible good address was received for our customer, ****** ******, and, on March **, 2013, RJM Acquisitions LLC sent a letter to (our customer) ****** ******  at ***********************************. The letter included the address of record (the previous address) for identification purposes.
 
However, since the recipient of our letter is not our customer ****** ******, the individual for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address.
 
In addition, in order to avoid any confusion in the future, RJM Acquisitions LLC has permanently closed the underlying account for which the mail was sent.

We sincerely regret any inconvenience this matter may have caused ** ****** and trust this covers his concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
******* * *********
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

****** ****** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/13/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a collection statement for a person with the same name as myself, except for the middle initial. The account number they are trying to collect on is NOT my account number and the partial SS# provided on the invoice is NOT mine. The previous address is in a town and state I have never lived in much less visited and the co signer on the account is not a name I know or recognize. I contacted the creditor which I do not have a balance with and they informed me that this is more than likely a scam to fear collect on someone elses account. RJM Acquisitions LLC is trying to collect on a ****** credit card.

Desired Settlement: Remove me from their phone and mail list and stop sending me mail trying to collect from me for somebody else bad credit.

Stop Contacting Me

Business Response:

 

Dear *** ******:

Thank you for your e-mail dated May *, 2013 concerning the above matter.

Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably. At no time did RJM Acquisitions LLC call or attempt to call *** ******** or anyone else concerning this matter.

When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient of our letter is the account holder, RJM Acquisitions LLC's letters include some identifying information.

Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.

Previously, mail sent to our customer, ****** ** ********, was returned by the post office. Recently, a possible good address was received for our customer and on April **, 2013, RJM Acquisitions LLC sent a letter to ****** ** ******** (our customer) at ***** ****** ****** ***** ****** ** *****. For identification purposes the letter included a partial social security number for the accountholder; the address of record for the account; and the name of the co-applicant on the account. A postage paid envelope and a toll free phone number were provided in the event any information was not accurate.

However, other than the complaint received from your office, RJM Acquisitions LLC was never contacted about this matter.

Regardless, since the individual who received our letter is not the ****** ** ******** for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address and will send no more mail concerning this matter to our customer, ****** ** ********, at said address.
 


We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,


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
















Consumer Response: Better Business Bureau:

Thank you for contacting RJM for me.  I wish they could do something about their business practices though.  I never lived in California where the individual they are looking for lived(lives) and if their system is so good at finding a "candidate" as a match for the individual they are looking for you think they would have better tools.  I find their business practices very questionable and expensive for them.  Yet, I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely, 

****** ******** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/8/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a letter from RJM Acquisitions LLC today (04/**/2013), saying that I had a balance of $473.22 on a HSBC Mastercard account. The letter listed an account number and the first four-digit of a social security number. Also, it listed a previous address. First of all, I have never opened a credit card with HSBC. I did have a banking account, which was closed several years ago and was clean upon the closure. Secondly, the first four-digit of the social security number were not the same as that of my social security number. Thirdly, I have never lived in the place that listed as "previous address". I then spent one whole hour to call HSBC and was told that there was no debt exist. I cannot understand why RJM Acquisitions LLC sent this kind of mail without careful investigation. After doing an internet search, I am shocked by the numbers of people complained about this company online.

Desired Settlement: I request a letter with apology from this company. I wasted one hour to call HSBC about this non-existing balance. I also request BBB to reconsider the rating of this company. .

Business Response: April **, 2013
 
Dear *** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers.
 
When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions LLC's letters include some identifying information - a partial social security number and/ or the address of record for the accountholder. A toll free phone number and a postage paid envelope are provided with each letter in the event any information concerning the account is not accurate.
 
Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
Recently, a possible good address was received for our customer, *** ****, and, on April **, 2013, RJM Acquisitions LLC sent a letter to (our customer) *** **** at *************************************. The letter included a partial social security number for the  accountholder  and  the  address  of record  (the previous address) for identification purposes.
 
However, since the recipient of our letter is not the *** **** for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address.
 
In addition, in order to avoid any confusion in the future, RJM Acquisitions LLC has permanently closed the underlying account for which the mail was sent



In response to *** ***** concerns about internet postings, please understand that RJM Acquisitions LLC has no control over individuals who anonymously post false claims on the internet. Unfortunately, these individuals have never contacted RJM Acquisitions LLC and have never given us an opportunity to review or discuss their concerns. RJM Acquisitions LLC takes very seriously each and every issue that we receive and we make every effort to resolve each one compassionately and amicably.
 
We sincerely regret any inconvenience this matter may have caused *** **** and trust this covers her concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/7/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am getting harassing phone calls and letters several times a week and month.

Desired Settlement: I want a letter of apology for the harassing conduct from this company and dismissal of Inquiries on my credit report and a letter sent to the credit reporting agency of mistake that they have made to me.

Business Response:
Dear *** *****:
 
Thank you for your recent e-mail dated April **, 2013 concerning the above referenced account. MKM Acquisitions LLC vehemently denies the allegations made by *** ******** in the complaint she filed with your office.
 
MKM Acquisitions LLC makes no outbound phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. The phone calls *** ******** received/is receiving are not from MKM Acquisitions LLC or anyone on behalf of MKM Acquisitions LLC.
 
Furthermore, there is nothing harassing in our letters. The last letter MKM Acquisitions LLC sent to the accountholder concerning this account was on February *, 2012. Prior to that, a letter was sent June **, 2011.
 
Please be guided by the following: An Amoco Oil Corp account was opened July *, 1981 in the name of ******  *******, social security number ***-**-****.
 
In September 1997, MKM Acquisitions LLC purchased this account from Amoco Oil Corp. The account had a balance due of $550.64. Payments received after MKM Acquisitions LLC purchased the account reduced the balance due to $291.64. The last payment, $50.00, was received October **, 1999.
 
In response to *** ******** concerning inquiries on her credit report, please be advised that this is a program available to creditors/ debt collectors that provides address updates.
 
We have been advised by the credit bureaus that in order to comply with their obligations under the Fair Credit Reporting Act (FCRA), each time the credit bureau sends an address update to us, a soft inquiry is posted to the consumer's file within the credit bureau's database. We have also been advised that these inquiries are viewable on any credit report pulled by the consumer only and are not seen by a potential creditor reviewing the consumer's credit history nor are they used in the calculation of the consumer's credit score.
 
Regardless, MKM Acquisitions LLC has ceased collection of the above account and will notify the credit reporting agencies to discontinue the program for future address updates.
 
MKM Acquisitions LLC is not reporting this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions, please do not hesitate to contact me at ###-###-####.

Business Response:  
Dear *** *****:
 
Thank you for your e-mail dated April **, 2013 concerning *** ******** rebuttal of our response to the complaint she filed with the Better Business Bureau.
 
MKM Acquisitions LLC takes very seriously each and every concern that we receive and we make every effort to resolve them compassionately and amicably.
 
In response to *** ******** allegations in her original complaint (dated April **, 2013) that she was receiving harassing phone calls and letters several times a week, MKM Acquisitions LLC advised that we made no outbound phone calls to our customers; that the last letter MKM Acquisitions LLC sent *** ******* for this account was on February *, 2012; and prior to that, a letter was sent June **, 2011. In her rebuttal, *** ******* states that she never received either of these letters.
 
MKM Acquisitions LLC also advised that we had ceased collection of the above account.
 
Please be advised that MKM Acquisitions LLC is not reporting this account to any credit  reporting agency.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
 
 
 
******* * **********
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

******** ******** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/7/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was offered a deal to settle and close this account and have it removed from all 3 credit bureaus for me and my wife. RJM sent me a letter stating that if I paid $100 of the $164 that was owed within 15 days, they would consider my account paid in full and remove the item from all 3 credit bureaus. They called this settlement a pay for delete (PFD). I paid the $100 the day I received the letter and my check was cashed within 4 days of me mailing it out. I have verification of the letter and my bank statement that shows the check to RJM.

Desired Settlement: I request that RJM Acquisitions remove this account from my wife's and my credit bureaus. I believe this is a shady company that is in direct violation of the FCRA.

Business Response: Dear ** ******:
 
Thank you for your e-mail dated April *, 2013 concerning the above referenced account. In response to your e-mail, please be guided by the following:
 
>  ************ account number ending w/***** was opened August 15, 2007 in the name of **** ******. A previous address on the account was **************************************************. Due to delinquency, the account charged off/ defaulted January *, 2009 with a balance due of $164.43.
 
> ********** account number ending w/**** was opened January **, 2008 in the name of **** ******. A previous address on the account was **** ***********************************. Due to delinquency, the account charged off/ defaulted November **, 2008 with a balance due of $193.44.
 
A statement listing the items purchased for each of the above accounts is attached.
 
In July 2011, RJM Acquisitions LLC purchased ******* account number ending w/ **** and in January 2013 ******** account number ending w/ *****. RJM Acquisitions LLC purchased these accounts from *******************. Their address is ******************************.
 
On February *, 2013, RJM Acquisitions LLC received a payment for  the  *******  account  number ending w/**** along with a request that RJM Acquisitions LLC delete our trade line pertaining to the account.
 
As per ** ****** specific request, RJM Acquisitions LLC requested that the credit bureaus (******************) delete the RJM Acquisitions LLC trade line pertaining to said account (number ending w/****). In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

Under separate cover, RJM Acquisitions LLC is sending ** ******* the ********* account information for the  account ending w/******** together with an Inaccuracy/Dispute form to be completed and returned in the event any information concerning the account is not accurate.
 
We trust this covers your concerns. Should you have any questions or if we can be of further assistance please do not hesitate to contact us.
 
Very truly yours,
********* * ********
Director of Compliance

Business Response:
Dear ** ******:
 
Thank you for your e-mail dated April **, 2013 concerning ** ****** rebuttal of RJM Acquisitions LLC's response to the complaint he filed with the Better Business Bureau.
 
RJM Acquisitions LLC takes very seriously each and every concern that we receive and we make every effort to resolve them compassionately and amicably. Please understand that ** ****** original complaint concerned an account opened in his name.
 
In response to ** ******* inquiry concerning an account in his wife's name, please be guided by the following: ******** account number ending w/ **** was opened March **, 2008 in the name of **** *** ******. A previous address on the account was ****************************************. Due to delinquency, the account charged off/ defaulted February *, 2009 with a balance due of $35.90.
 
A statement listing the item purchased is attached.
 
In January 2013, RJM Acquisitions LLC purchased the above account from **************************.  Their address is ************************************.
 
On February *, 2013, RJM Acquisitions LLC's sent ** ****** a letter advising her that RJM Acquisitions LLC had purchased this account. A second letter was sent February **, 2013. The letter(s) provided the above information along with a list showing the item purchased. A postage paid envelope and a toll free phone number were included in the event any information concerning the account was not accurate.
 
On March **, 2013, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported  the account to the credit bureaus (******************************).
 
Regardless, RJM Acquisitions LLC has closed the above account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (***********************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if we can be of further assistance please do not hesitate to contact us.
 
Very truly yours,
******* * **********
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

******* ****** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/3/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: According to the letter I received it is for a Target Store account that was opened on July**, 2005 and shows that RJM purchased the account on October *, 2008 and is a bill for $197.21. I have checked all my files and do not have a Target account, I also contacted Target directly at their Red Card Department, Delinquent Department, and Aquisitions Department and they do not show as my every having a Target Account. Also, if this with aquired in 2008 why would it have taken until April of 2013 to receive any type of notification that there was a delinquency. I will not pay this bill as it is not real as per my records and per Target's departments. They even told me to throw the bill out since they do not show anything in their system for me. I do not understand where this is coming from especially since it seems they have a A rating from you. Also, I checked my credit report and there is nothing on my credit report showing a delinquent account from Target. I want them to stop harressing me. Thank you.

Desired Settlement: I want to know how they come to get this information since it does not exist according to Target's red card, delinquent and aquisitions department. Also, I do not want to be harressed again for any bogus dept. They must stop any attempts in collecting this not existant dept.
An apology.

Business Response:
Dear *** ******:
 
Thank you for your recent e-mail dated April **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Target Stores account was opened July **, 2005 in the name of ******* ********, social security number ******-****. The address on the account was/is ** ********* ******* ******* ** *****. The last payment was received July **, 2006. Due to delinquency, the account charged off/ defaulted February **,2007 with a balance due of $197.21.
 
In October 2008, RJM Acquisitions LLC purchased this account from Target National Bank. Their address is **** ******* ****** ************ ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since December 2008, RJM Acquisitions LLC has sent several letters to *** ******** at the above address - the same address listed on the complaint she filed with your office. Please be assured that there is nothing harassing in our letters. The letters provided the abovementioned account information (the name and address of the original creditor; the account number; the date the account was opened; a partial social security number for the accountholder; the account balance; and the date RJM Acquisitions LLC purchased the account).
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been contacted directly by *** ******** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above account.

 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
In response to *** ********'s claim that she contacted Target and their records did  not  indicate  an account for her, please be advised that, in October 2008, the account was sold to RJM Acquisitions LLC. This account is not an existing active account with Target and as a result would not be in their system of open/ active  accounts.
 
We trust this covers your concerns. If you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 

 
 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/3/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company is contacting me to collect n alleged debt from more than 4 years ago. While I did have an account with their client ***** ****** for Sheer Cover makeup products, I was receiving too many shipments too frequently and therefore cancelled the account. I also returned to the compay all of the unopended shipments that I had received but not used. I paid the company for the intial shipments that I used. Now, more than 4 years later I am being contacted stating that I owe $217.70 for 5 shipments of produc. I find it to be extremely bad business practice to contact me s many years after the account was opened and closed to llegedly collect adebt. I believe that this is being done in the hopes that either I wont remember the account and just pay, it will be too much of a bother to complain, or that so much time has passed that any evidence that I may have will no longer be available due to the passage of time.

Desired Settlement: I would like the Company to clear my account as I do not owe this debt and to stop contacting me.

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
Please be guided by the following: A Sheer Cover Make-Up account was opened April **, 2008 in the name of ***** ******. A previous address on the account was ** ***** **** ***** ********** ** *****. A total of $337.60 in payments was received by Sheer Cover Make-Up; the last payment was received by the company on December *, 2008. Due to delinquency, the account charged off / defaulted with a balance due of $217.70.
 
A list of the items purchased is attached.
 
In December 2012, RJM Acquisitions LLC purchased this account from Guthy-Renker LLC. Their address is **** ***** **** ***** ***** ******* ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that, on April **, 2013, RJM Acquisitions LLC received correspondence from *** ******. Based on information provided, RJM Acquisitions LLC promptly closed the account (on April **, 2013).
 
RJM Acquisitions LLC has never reported this account to any credit reporting agency.

 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
 
 

 
 
******* * ********* Director of Compliance
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/3/2013 Billing/Collection Issues | Read Complaint Details
X

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 #***********.... DATE OPENED: 09/2008 MY SOCIAL SECURITY # ***********

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: April **, 2013
 
 
 
***********************************
***********************************
***********************************
 
Attention:              *** ***** ****


****** * *****
Director of Compliance


 

 
 
Dear *** *****:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
Please be guided by the following: A ******** **** checking account was opened in the name of ****** ******, social security number *********. In September 2008, RJM Acquisitions LLC purchased the account from ******** **** N.A.
 
On March **, 2010 RJM Acquisitions LLC received a phone call from *** ******. He stated that he would like to make a payment by phone and requested a letter indicating that the account had been satisfied. On March **, 2010, RJM Acquisitions LLC sent *** ****** a letter (copy attached) advising him that the account had been satisfied in full and the credit bureaus (***** ***** *** *******) instructed to update RJM Acquisitions LLC's reporting to "paid" with a zero balance.
 
Please understand that prior to receipt of the complaint from your office, our records reveal no request for deletion of the account from the credit bureaus.
 
Regardless, as per ** ******* specific request, RJM Acquisitions LLC has requested that  the credit bureaus (***** ***** *** *******) delete the RJM Acquisitions LLC trade line  pertaining  to  this account.   In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five
(45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
         

 ******* * ********
Director of Compliance
 
THIS COMMUNICATION IS FROM A DEBT COLLECTOR

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: While living in *********,North Carolina I briefly held a bank with this company before closing the account.At that time I gave information in packet I received during a hiring process with *********. Someone knew a way with a person of the exact name to run a scam using my bank account information.The reason I'm positive of this is because I closed the account and opened a new one with another bank.My account wasn't overdrawn.I even called this banks ***** number about this debt.An operator and I realized I have been a victim of Identity theft. She told me she had resolved the issue and would not be charged with an overdrawn account. Now after years of not receiving any letters from this company I suddenly owe for this account again.I want to know why haven't they been sending me any notifications and how come the bank operator didn't claim any debt with them to claim or charge me with.

Desired Settlement: Drop charges or billing adjustment required.

Business Response: Dear ** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A **** *** ******* checking account was opened in the name of ****** ***** ********, social security number ***-**-****. A previous address on the account was *************************************. Due to delinquency, the account charged off/ defaulted July **, 2007 with a balance due of $593.71.
 
In December 2011, RJM Acquisitions LLC purchased this account from **** ** ********, **. The bank's address is ********************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since January 2012, RJM Acquisitions LLC has been sending letters to ** ********. The letters advised him that RJM Acquisitions LLC had purchased this account and provided the abovementioned account information (the name and address of the original creditor; the account number; a partial social security number for the accountholder; the account balance; the address of record for the account; and the date RJM Acquisitions LLC purchased the account). A postage paid envelope and a toll free phone number were included in the event any information was inaccurate.
 
RJM Acquisitions LLC's first direct contact with ** ********** was on April **, 2013 when he called and said that about a year ago he spoke to a **** ** ********* representative who advised him she would remove the debt. However, this was after the debt had been sold to RJM Acquisitions LLC (in December 2011). Prior to ** ************ April **, 2013 phone call RJM Acquisitions LLC had never been notified of any dispute by either **** ** ******* or by ** **********.

Regardless, RJM Acquisitions LLC advised ** ******** that we would request documentation from ***** ** ******** and would send it to him once it was received.
 
Enclosed please find the documentation RJM Acquisitions LLC is sending to ** ******** under separate cover together with an Inaccuracy/Dispute form and a request that he complete and return the form in the event any information concerning the account is inaccurate.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
****** * *******
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have never contracted with this company or the company in which this firm is trying to collect for. I explained to a representative at the company (*********) that I never lived in the state where this transaction happened and never did business with this bank and was only told to verify my partial SS#. I faxed a "Cease and Desist" order to her, explained that this was a fraud of some sort and she told me although she received the fax she could not verify who I was because I did not want to give her anymore personal information.

Desired Settlement: Remove this item from my contact information and or credit reporting because it is an obvious fraud. I have never lived in that state, had an account with that bank, never had a credit card, a mortgage or applied for any good or service with either firm. Any due diligence at all would have made these facts clear, which would be responsible Debt Collecting and reporting. I have stated on my fax to this firm that this is a fraud of some sorts, "Cease and Desist". Any further collection attempts or reporting are Criminal actions and will be prosecuted aggressively. I have notified the firm of my intentions to file a fraud complaint with the NYS Attorney Generals office if this fraud continues or is negatively reported.

Stop Contacting Me

Business Response: Dear *** *****:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ******** **** checking account was opened in the name of **** ***********, social security number *********; year of birth ****. A previous address on the account was *******************************************. Due to delinquency, the account charged off/ defaulted with a balance due of $319.00.
 
In December 2006, RJM Acquisitions LLC purchased this account from ******** ******** The bank's address was **** ******************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that, on April **, 2013, RJM Acquisitions LLC received correspondence from *** *************** who disputed some aspect of the above account.
 
As a result, RJM Acquisitions LLC promptly closed the account (on April **, 2013).
 
Please be advised that RJM Acquisitions LLC has never reported this account to any credit reporting agency.

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at  ###-###-####.
 
Very truly yours,
 
 
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

**** ******** 


 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a letter from RJM today. Post marked correctly to my address in *** *****, NM. The letter is a demand letter and is in the amount of $212.12. It is addressed however to not myself but some person named, **** ** ******. I believe that RJM should have made the effort to verify who lives at this address but instead has assumed that this **** ** ****** does. Therefore I am concerned that RJM has put my residence in jeopardy as well as my own credit standing if someone sees this incorrect addressing of a debt and makes the same stupid mistake and attached it to me.

Desired Settlement: Have them send a letter to me stating that this **** ** ****** has committed fraud in posting my address as his, that they are aware of it and will remove my address from their data base regarding this issue or any future issue with this **** ** ******. In addition I'd want any contact info on this **** ** ******, phone, alternate addresses, etc; so that I can have the proper entity search him out and question why he posted my address as his. I will not do the person any harm but need to confront him to be certain this is stopped. In addition I want all of the credit reporting bureaus to be contacted by RJM and be informed of the use of my address by a non authorized person attempting fraud. Without these items being provided, my daughter, our family attorney will pursue a case of fraud against RJM in NY.

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 and the matter has been resolved.

Sincerely,

******* ***** 
 
*****,
God bless ya for getting this resolved. That's why the BBB is held is such high regard by persons that know the institution and rely on it's honesty.
Thanks
*******

Business Response: Dear ** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions LLC's letters include some identifying information - a partial social security number and/ or the address of record for the accountholder. A toll free phone number and a postage paid envelope are provided with each letter in the event any information concerning the account is not accurate.
 
Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
Previously, mail sent to our customer, **** * ******, was returned by the post office. A possible good address was recently received and, on April *, 2013, RJM Acquisitions LLC sent a letter to **** * ******, at **********************************. The letter included a partial social security number for the accountholder and the address of record (the previous address) for identification purposes.
 
However, since the recipient of our letter is not the **** * ****** for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address.
 
In addition, in order to avoid any confusion in the future, RJM Acquisitions LLC has permanently closed the underlying account for which the mail was sent.

In response to ** ******* concerns about credit reporting, please be advised that RJM Acquisitions LLC has never reported the account in question to any credit reporting agency.
 
We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
***** *********
Director of Operations

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have entries on my credit file being reported to the credit bureaus fraudulently by RJM Acquisitions. I do not owe this balance. The account could not have possibly been opened in 1/** and last active 3/**. This company is fraudulently reporting information on my credit file that is completely inaccurate. This information appeared on my credit report and I have requested verification and have not received a response from my request for verification.

Desired Settlement: I would like the credit reporting entries to be deleted from the credit bureaus as the reporting is fraudulent.

Business Response:
Dear *** ******:
 
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Compass Bank checking account was opened December *, 2006 in the name of ******** ** **********, social security number ******-****. Previous mailing addresses on the account were ***** ***** ***** ********** ** *****; and **** ** ******** ***** ******** ** *****. Due to delinquency, the account charged  off  / defaulted June *, 2007 with a balance due of $2,378.53.
 
In January 2010, RJM Acquisitions  LLC purchased this account from Compass Bank.  The bank's address is ** ***** **** ******* ***** ***** *********** ** *****.
 
Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since March 2010, RJM Acquisitions LLC has been sending letters to *** ******** (a/k/ a **********). The letters advised her that RJM Acquisitions LLC had purchased the above account and provided the abovementioned information (the name and address of the previous creditor; the account balance; the address of record for the account; a partial social security number for the accountholder; and the date RJM Acquisitions LLC purchased the account). Several options were offered to satisfy the account and a toll free phone number and postage paid envelope were included in the event any information was not accurate.

 
In addition, on receipt of each of two (2) Consumer Dispute Verifications (CDVs), RJM Acquisitions LLC responded to the credit bureaus (Trans Union and Experian) "account information disputed by consumer" and sent *** ******** a letter advising her that we had received the CDV(s) and had responded to the credit bureau(s).
 
On March **, 2013, RJM Acquisitions LLC received a form letter from *** ******** requesting validation of the debt. This was RJM Acquisitions LLC's first direct contact with her. Enclosed please find documentation relevant to the account which we are sending *** ******** under separate cover, together with an Inaccuracy / Dispute form and a request that she complete and return the form in the event any information concerning the account is not accurate.
 
Please be advised that, after completing our investigation, RJM Acquisitions LLC denies that the reporting of the above referenced account is inaccurate. The above referenced account charged off June *, 2007. Compass Bank's trade line should be reporting the account as "account transferred or sold." RJM Acquisitions LLC's reporting picks up after the account was purchased by RJM Acquisitions LLC (in this case January 2010).
 
As per the Credit Reporting Resource Guide / Debt Purchaser Guidelines which provides the standards for reporting accounts, the Third Party  Collection  Agency/Debt  Purchaser  Reporting  section  10 (#4)  states: "Date Opened - the date the account  was  placed/ assigned  to  the  third  party  collection  agency  or purchased   by  the  debt purchaser ...."
 
This purchase date (January 2010) does not affect the seven (7) year reporting period which commences with the date of delinquency with the original creditor.
 
We trust this covers your concerns. If you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
 
 
 
 

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated April **, 2013 concerning *** ********'s second rebuttal of RJM Acquisitions LLC's responses to the complaint she filed with the Better Business Bureau.
 
In January 2010, RJM Acquisitions LLC purchased the above referenced account from Compass Bank. The bank's address is ** ***** **** ******* ***** ***** *********** ** *****.
 
Please be advised that we have reviewed *** ********'s latest  rebuttal  and  our  position  remains  the same.  RJM Acquisitions LLC correctly reported this account to the credit bureaus.
 
As advised in our previous responses, the above referenced account charged off June *, 2007. Compass Bank's trade line should be reporting the account as "account transferred or sold." RJM  Acquisitions LLC's reporting picks up after the account was purchased by RJM Acquisitions LLC (in this case January 2010).
 
As per the Credit Reporting Resource Guide / Debt Purchaser Guidelines which provides the standards for reporting accounts, the Third Party Collection Agency/Debt Purchaser Reporting section 10 (#4) states: "Date Opened - the date the account was placed/ assigned to the third party collection agency or purchased by the debt purchaser ...."
 
This purchase date (January 2010) does not affect the seven (7) year reporting period which commences with the date of delinquency with the original creditor."
 
In addition, on April *, 2013, RJM Acquisitions LLC sent *** ******** the signature card and monthly statements for the account together with an Inaccuracy /Dispute form and a request that she complete and return the form in the event any information was not accurate.

 
To date, RJM Acquisitions LLC has not received the completed Inaccuracy /Dispute form.
 
Regardless, RJM Acquisitions LLC has made a business decision to close the account.
 
Additionally, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
'
 
 
 
 
 
 
 
 

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 and the matter has been resolved.

Sincerely,

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



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have sent numerous requests via return receipt for validation of this charge and for communications to stop yet the company still sends letters AND has reported this to the Credit bureaus without sending ANY validation.

Desired Settlement: I want all communication to stop and ALL 3 of my Credit bureaus cleared of this item

Business Response:
 
April **, 2013
 
Attention:          *** ***** ****

Dear *** *****:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Mystery Book Club account was opened September **, 2008 in the name of ***** *****. The address on the account was/is ******************************.  A total of $22.97 in payments was received; the last payment was received October **, 2008. Due to delinquency, the account charged off / defaulted with a balance due of $42.72. A list of the items purchased is enclosed.
 
In November 2012, RJM Acquisitions LLC purchased this account from Bookspan/Doubleday Entertainment LLC. Their address is *********************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On January *, 2013, RJM Acquisitions LLC sent a letter to *** ***** advising him that RJM Acquisitions LLC had purchased this account. The letter provided the above account information along with the list of items purchased. A second letter was sent April *, 2013. A postage paid envelope and a toll free phone number were included in the event any information concerning the account was not accurate.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by *** ***** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.

In addition, RJM Acquisitions LLC has requested that the credit bureaus (***** ***** *** ********) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

***** ***** 



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/26/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: After reviewing my credit report found this collection on it...said from 2011...but I had checked my report in February 2013 and it was not listed at that time. I am not familiar with this supposed account and have sent it in for despute. I will be sending a letter asking them to explain the charges they say that I owe and prove that in fact I do owe that amount. It appears they are attempting to re-age my account on my credit report by listing the date at 2011.

Desired Settlement: Have it removed from credit reporting agencies

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
Please be guided by the following: A One Spirit Book Club account was opened November *, 2007 in the name of ****** *****. The mailing address on the account was/is **** ***** ******* ********* ** *****. A total of $37.66 in payments was received by the book club. The last payment was received October**, 2008. Due to delinquency, the account charged off/ defaulted April **, 2009 with a balance due of $62.28.
 
In November 2011, RJM Acquisitions LLC purchased this account from Bookspan/Doubleday Entertainment LLC. Their address is *** ** **** ******* *** ****** *** ***** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since January 2012, RJM Acquisitions LLC has been sending letters to *** ***** (aka *****). The letters sent to the above address - the same address listed on the complaint she filed with your office - provided the abovementioned account information. A postage paid envelope and a toll free phone number were included in the event any information concerning the account was not accurate.
 
However, other than the complaint received from your office, the first and only time RJM Acquisitions LLC was directly contacted by *** ***** concerning this account was on April **, 2013 when  we received an e-mail from her in which she disputed some aspect of the account.
 
As a result, RJM Acquisitions LLC closed the account (on April **, 2013).
 
In addition, RJM Acquisitions LLC requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.

 
 
In response to *** *****'s claim that RJM Acquisitions LLC "is attempting to re-age my account on my credit report by listing the date at 2011," please be assured that RJM Acquisitions LLC has never re-aged an account and accurately reported the account to the credit bureaus.
 
The above referenced account charged off April **, 2009. The original creditor's trade line should be reporting the account as "account transferred or sold." RJM Acquisitions LLC's reporting picks up after the account was purchased by RJM Acquisitions LLC (in this case November 2011).
 
As per the Credit Reporting Resource Guide / Debt Purchaser Guidelines which provides the standards for reporting accounts, the Third Party Collection Agency/Debt Purchaser Reporting section 10 (#4) states: "Date Opened - the  date the account was  placed/ assigned to the third party collection agency or purchased by the debt purchaser ...."
 
This purchase date (November 2011) does not affect the seven (7) year reporting period which commences with the date of delinquency with the original creditor.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
tDirector of Operations
 
 
 
 
 
 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/23/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We recieved a letter from this fraudulent company stating i had a debt from * ***** ***** place. I have never ordered anything from this place in my life!!! This is not a real debt!! My husband opened the letter and paid it online immediately, because he assumed it was a "real debt" .... I then called the company and told them to can el that payment and stop sending me letters for a "made up" debt!! The woman i talked to told me i was a piece of " ***** and hung up on me. I then called back and was out on hold and told that the payment was being cancelled and he was sorry for the letter. However, after speaking with this "company" i got a VERY uneasy feeling about the validity of this place... I want to be assured that none of this is on my credit report due to the fact that it is not a debt that is even mine! Also if this payment gets deducted from my account and i have to out a stop payment on it i want to be reimbursed the stop payment fee, since i was assured by this company that it would be stopped!!

Desired Settlement: I want none of my money taken for a debt that is not legit and i want letters from this fraudulent company to stop! Its insane! Also, i do not want this anywhere near my credit report!!!!! i cant even believe this is happening in America! Since i was promised the payment was cancelled i want to be reimbursed for the atop payment charge i will have with my bank since there is NO way i am going to pay for something that isnt mine! I also want an apology letter!!!

Business Response: Dear ** *****:
 
Thank you for your e-mail dated April *, 2013 concerning the above referenced account.
 
Please be advised that RJM Acquisitions LLC vehemently denies the allegations made by ** ******* in the complaint filed with your office.
 
RJM Acquisitions LLC's representatives are regularly monitored and must adhere to high standards of compliance with the FDCPA. RJM Acquisitions LLC would never tolerate any illegal or inappropriate debt practices. The egregious behavior described by ** ****** in her complaint would never be acceptable or tolerated by RJM Acquisitions LLC.
 
Please be guided by the following: A ********************** account was opened July **, 2009 in the name of ******* ******. The address on the account was *******************************. A total of $29.95 in payments was received by *************************; the last payment received by the company was July **, 2009. Due to delinquency, the account charged off/ defaulted January **, 2010 with a balance due of $97.84.
 
A statement listing the items purchased is attached.
 
In December 2012, RJM Acquisitions LLC purchased this account from *********************. Their address is *****************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that, on Sunday, April *, 2013 RJM Acquisitions LLC received a phone call through our IVR automated phone system. The caller made a payment of $78.27 by phone in response to a letter that had been sent to ** ******* offering different options to satisfy the account.
 
On Monday morning, April *, 2013, RJM Acquisitions LLC received a phone call from ** *******. She stated that she had never ordered any make-up; that her husband had made a payment by phone over the weekend; and that she wanted the payment refunded. The representative advised ** ******* that RJM Acquisitions LLC would cancel the payment.
 
RJM Acquisitions LLC promptly closed the account and submitted a request to the Payment Processing Department to cancel said payment. RJM Acquisitions LLC never processed the payment made by phone on Sunday, April ***, 2013; and also destroyed the payment information that had been provided. Please be advised that ** ******* request for compensation is without merit and therefore denied.
 
RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******* **********
Director of Operations

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/23/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company RJM is not is not licensed in the state of ct to collect. They are reporting me and i have disputed against this company and it is still showing on my credit file. I do not owe them any funds. Per the State of CT they are not supposed to be reporting on my credit or attempting to collect from me. Here is most updated link which they are not listed under. ****************************************************************** Please have this removed from my credit files ASAP!! Again my name is listed under ******* * ***** **** **** **** ** **** ** ********* ** ***** ** ** ********** for them to reference and remove thier acct from my credit bureaus ASAP as this is hurting my chances of mortgage. Thanks *******

Desired Settlement: REMOVE THIER FILES FROM MY CREDIT BUREAU AND CEASE COLLECTION ASAP AS THEY ARE NOT LICENSED IN MY STATE.

Business Response: Dear ** *****:
 
Thank you for your recent e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ** **** checking account was opened June *, 2008 in the name of ***** * ****, social security number ***-**-****. A previous address on the account was ************************************. Due to delinquency, the account charged off/ defaulted October **, 2008 with a balance due of $407.02.
 
In October 2011, RJM Acquisitions LLC purchased the above account from ** **** **. The bank's address is ***********************.
 
RJM Acquisitions has requested documentation from ** **** relevant to this account. Once the documentation is received, RJM Acquisitions LLC will forward it to ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since January 2012, RJM Acquisitions LLC has been sending letters to ** ****. The letters advised her that RJM Acquisitions LLC had purchased the above account and provided the abovementioned information (the name and address of the previous creditor; the date the account was opened; the account balance; the address of record for the account; a partial social security number for the accountholder; and the date RJM Acquisitions LLC purchased the account). Several options were offered to satisfy the account and a toll free phone number and postage paid envelope were included in the event any information was not accurate.
 
Prior to receipt of the complaint from your office, RJM Acquisitions LLC has no record of being directly contacted by ** **** concerning this account.

With reference to ** **** concerns about licensing in the State of Connecticut, please be advised that RJM Acquisitions LLC is a debt buyer. RJM Acquisitions LLC conducts collection activities solely on RJM Acquisitions LLC's acquired portfolios of accounts and does not conduct any collection activities whatsoever on behalf of any third-parties.  Contrary to *** ****** claims, RJM Acquisitions LLC as owner of the accounts collecting in our own name, licensure in the State of Connecticut as a consumer collection agency would not be required. RJM Acquisitions LLC is registered with the Department of Revenue Services and with the Secretary of State in Connecticut.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******* * *******
Director of Compliance

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

 

I have mailed the debt validation to RJM a few months ago and heard no response and recieved no letters regarding this account to my address. I submitted a second request a few weeks ago and still havent heard anything. I used the address listed on my credit report. I am still requesting validation of the debt but in the meantime i am requesting that this negative credit information be removed from my credit bureaus until i recieve the information that i have requested.

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

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




 

Business Response: Dear ** *****:
 
Thank you for your e-mail of April *, 2013 concerning ** **** rebuttal of RJM Acquisitions LLC's response to the complaint she filed with the Better Business Bureau.
 
Please be advised that on October *, 2011, RJM Acquisitions LLC purchased the above account from ** **** **.  The bank's address is ***********************.
 
In response to ** **** claim that she mailed a debt validation request to RJM Acquisitions LLC a few months ago, please be advised that, other than the complaint from your office, the one and only time RJM Acquisitions LLC was contacted about this account was on April *, 2013 when we received a request from ** **** for validation (copy attached).
 
As previously advised, RJM Acquisitions has requested documentation relevant to the above account from ** ****. Once the documentation is received, RJM Acquisitions LLC will forward it to ** *****.
 
In the meantime, RJM Acquisitions LLC has requested that the credit bureaus (****************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. If you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,
***** ******
Director of Operations
THIS COMMUNICATION  IS FROM A DEBT COLLECTOR

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/19/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a billing statement from the debt company on 4/**/13 dated 4/*/13 regardng the alledged debt from ******** **** in the amount of $5,878.71 with the first 3 numbers of ssn being *** which isnot mine and I have never had a ******** ****** ****. RJM also mailed this statement to an address I have not resided at sense 1990 and belongs to my mom. The access code# ************. On 4/**/13 at 12:15 p.m. I left a message with RJM's CEO ***** ***** and sent an e-mail to, **********************. If this matter is not resolved by 4/**/13 I will be filing a criminal complaint against RJM and ***** ***** plus a lawsuit for I.D. Theft and Fraud.

Desired Settlement: Receive a letter stating that this matter has been cleared from RJM Collections systems and from any other third party collection agency's system including ********.

Business Response: Dear ** ******:
 
Thank you for your e-mail dated April **, 2013 concerning the above referenced account.
 
Please be guided by the following: A ******** **** account was opened in the name of *** ******** *****, social security number ***-**-****. A previous mailing address on the account was ****************************************************.
 
In January 2005, RJM Acquisitions Funding LLC purchased the above account. The account balance due was $5,878.71.
 
Please be advised that RJM Acquisitions Funding LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. A review of our records has revealed that RJM Acquisitions Funding LLC's only attempt to contact ** ***** was on April *, 2013 when a letter was sent to him.
 
However, based on the information provided, RJM Acquisitions Funding LLC has closed the above referenced  account.
 
RJM Acquisitions Funding LLC has never reported the above account to any credit reporting agency.
 
We trust this covers your concerns. Should you have any questions or if we can be of further assistance please do not hesitate to contact us.
 
Very truly yours,
 
***** ********
Director of Operations

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved beca

i disagree with there answer and legal proceedings are in process against all parties including criminal. 

****** ***** 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

****** *****




 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

4/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has contacted me numereous times regarding an account that is not mine. They are sending letters to my home and my place of employment despite my continuous requests that they do not contact me. I have also asked that they show proof that this is my debt.

Desired Settlement: I want them to stop contacting me unless they can show proof that this is my debt.

Business Response: Dear ** ******:
 
Thank you for your recent e-mail dated April *, 2013 concerning a complaint filed by ** ******** *********. In view of the fact that ** ******** did not provide an account number, please be guided by the following:
 
A  **** * *******  checking  account  number  ending  w/****  was  opened  in  the  name  of ********** ******, social security number ***-**-****.  A previous address on the account was ****************************************.      Due to delinquency, the account charged off/ defaulted July *, 2007 with a balance due of $1,271.90.
 
A  **** ** *******  checking  account  number  ending  w/ ****  was  opened  in  the  name  of ********* ******, social security number ***-**-****.   A previous address on the account was ****************************************.      Due to delinquency, the account charged off/ defaulted July *, 2007 with a balance due of $390.85.
 
In December 2011, RJM Acquisitions LLC purchased the above accounts from ****************. The bank's address is *********************************.
 
Please be advised that RJM Acquisitions LLC is in the process of returning the above referenced accounts to **** ** *********.
 
RJM Acquisitions LLC has requested that the credit bureaus (********************) delete the RJM Acquisitions LLC trade line pertaining to these accounts. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any corrections.
 
We trust this covers your concerns.  Should you have any questions please do not hesitate to contact me at ###-###-####.
 

Very truly yours,
********* * ******
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/15/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On 3/**/2013 I received an alert from a credit service I use that RJM Acquisitions LLC had put something on my credit report. I immediately contacted RJM Acquisitions LLC about this “major derogatory” item of $50. After they asked me a couple of questions they agreed that what they put on my credit report was a mistake and they would take action to remove it. Later on that month after I saw that no action was taken I called RJM Acquisitions LLC again and I told them that nothing has happened. They assured me that they would remove the item from my credit report before the end of the month of March. April came and they have done nothing. My credit score, a drop of 54 points!

Desired Settlement: I ask you to take action against this deceptive corporation in order to have a full recovery in my credit report and credit scores with all three bureaus.

Business Response: Dear ** *****:
 
Thank you for your e-mail dated April *, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ******* **** **** account was opened October **, 2006 in the name of ******* *****. The address on the account was/is ************************. A total of $17.03 in payments was received by the book club. The last payment was received October **, 2006. Due to delinquency, the account charged off  /  defaulted December **, 2009 with a balance due of $50.10. According to the book club, the account balance was for the purchase of the following item:

BOOK TITLE                      SHIP DATE                         ITEM NUMBER


*******************       03-**-2009                        *************

 
In November 2012, RJM Acquisitions LLC purchased this account from **************************.  Their address is ********************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On January *, 2013, a letter was sent to ** ************ advising him that RJM Acquisitions LLC had purchased this account. The letter included the above account information and offered several options to satisfy the account. A postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.

A review of the account on March *, 2013 revealed no record of a dispute (nor had RJM Acquisitions LLC been contacted); and RJM Acquisitions LLC  subsequently reported the account  to  the  credit bureaus (***********************).
 
On March **, 2013, RJM Acquisitions LLC received a phone call from ** ********* who disputed some aspect of the account.  As a result, RJM Acquisitions LLC closed the account.
 
In addition, RJM Acquisitions  LLC requested that the credit bureaus (************************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the  Fair  Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
******** * *********
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/15/2013 Problems with Product/Service | Complaint Details Unavailable
4/15/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have repeatedly explained that the person sought is not me. There is a different SSN and name as I've explained many times.

Desired Settlement: Fix the records to indicate that I am not the person they seek so that they don't hurt my credit rating. Stop calling me.

Business Response:
Dear ** ******:
 
Thank you for your recent e-mail dated April *, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably. At no time did RJM Acquisitions LLC or anybody on behalf of RJM Acquisitions LLC call or attempt to call ** ************ or anyone concerning this matter.
 
When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands  that there may be more than one person with the same name. In addition, search engines at times  merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
In order to ensure that the recipient of RJM Acquisitions LLC's letter is the accountholder, our letters include some identifying information (the address of record and, if available, a partial social security number for the accountholder). A toll free phone number and a postage paid envelope are provided in the event any information concerning the account is not accurate.
 
Previously, mail sent to our customer, ******** * ********, was returned by the post  office.  On December **, 2012, on receipt of a possible good address for our customer, a letter was sent to ******** * ********* (our customer) at ********************************. The letter included a partial social security number for the accountholder and the address of record (the previous address) for identification purposes.
 
However, the mail was never returned nor was RJM Acquisitions LLC advised that the recipient of our letter was not our customer, and, as a result, a second letter was sent to (our customer) ******* * **** at the abovementioned address on March **, 2013.
 
Regardless, RJM Acquisitions LLC has closed the abovementioned address and will send no more mail concerning this matter to our customer (********** * ********) at said address.

In response to ** ****** concerns about credit reporting, please be advised that RJM Acquisitions LLC provides the following information to the credit reporting agencies: our customer's name;  our customer's address of record (the address provided by the creditor) and our customer's social  security number.
 
We sincerely regret any inconvenience this matter may have caused ** ******** and trust this covers her concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours, 
****** ** ********
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/11/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company will not delete this collection off my Experian credit report. The original account was with Black Expressions Book Club and i fulfilled my obligation to them. I ordered my books, ordered the ones i was obligated to buy with payment. Black Expressions does not have the details of this account since it was sold to RJM. I closed the account i paid with a long time ago, so i do not have the cancelled check. I believe this should be deleted based on that i paid them, and there are many complaints with Black Expressions with this matter.

Desired Settlement: i would like this removed from my Experian credit report

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
Please be guided by the following: A Black Expressions Book Club account was opened June *, 2007 in the name of ***** ********. A previous address on the account was *** *********** ***** ***** ****** ** *****. Due to delinquency, the account charged off/defaulted November **, 2007 with a balance due of $106.82. According to the book club, the balance due included the bill for commitment charge ($77.72) and for the purchase of items listed on the attached statement.
 
In December 2010, RJM Acquisitions LLC purchased the above account from Bookspan/Doubleday Entertainment LLC.  Their address is *** ** **** ******* ***** ****** *** ***** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since January 2011, RJM Acquisitions LLC has been sending letters to *** ********. The letters advised her that RJM Acquisitions LLC had purchased this account and provided the abovementioned information (the date the account was opened; the list of items purchased; the account balance due; the name and address of the original creditor; and the date RJM Acquisitions LLC purchased the account) along with several options to satisfy the account. A toll free phone number and a postage paid envelope were included in the event any information concerning the account was not accurate.
 
Likewise, on receipt of each Consumer Dispute Verification (CDV) from the credit bureaus, RJM Acquisitions LLC responded to the credit bureau(s) "account information  disputed  by  consumer"  and sent *** ******** a letter advising her that we had received the CDV and had responded to the credit bureau(s).

 
On March **, 2012, RJM Acquisitions LLC received a phone call from *** ******** who stated that she would like to settle the above account. *** ******** agreed to send $53.41 (50% of the account balance due) to satisfy the account.  However, payment was never received.
 
The next direct contact with *** ******** was on March **, 2013 when she called and disputed some aspect of the account.  RJM Acquisitions LLC advised *** ******** that we were closing the account.
 
As of March **, 2013, the above referenced account has been closed.
 
Additionally, RJM Acquisitions LLC requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
 
 
 
 
 
******* * ********* Director of Compliance

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 and the matter has been resolved.

Sincerely,

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



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/11/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a collection notice from RJM Acquisitions that is not mine. I sent them a letter clarifying that I am NOT ***** ** ********** ********* and that they have the wrong person. That I did not lived at **** ** ***** **** ********* ** and that I am disputing the validity of the debt.

Desired Settlement: I want them to stop contacting me.

Business Response: Dear ** ******:
 
Thank you for your recent e-mail dated April *, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions Funding LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
When mail for a customer is returned by the post office, RJM Acquisitions Funding LLC makes every effort to locate the right person. However, RJM Acquisitions Funding LLC understands that there may be more than one person with the same name. In addition, search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions Funding LLC's letters include some identifying information (the address of record  and, if available, a partial social security number for the accountholder). A toll free phone number and a postage paid envelope are provided in the event any information concerning the account is not accurate.
 
Previously, mail sent to our customer, ***** * ********** ********, was returned by the post office. On March **, 2013, on receipt of a possible good address for our customer, a letter was sent to ***** * ********* ******* (our customer) at **********************************. The letter included the address of record (the previous address) on the account for identification purposes.
 
However, the mail was not returned nor was RJM Acquisitions Funding LLC advised that the recipient of our letter was not our customer.
 
Regardless, RJM Acquisitions Funding LLC has closed the abovementioned address and will send no more mail concerning this matter to our customer (***** * ******* ********) at said address.

We sincerely regret any inconvenience this matter may have caused and trust this covers ** *************** concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******* * ********
Director of Compliance

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 and the matter has been resolved.

Sincerely,
***** *********
 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/9/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: After reviewing my ******** credit report, I discovered RJM ACQ LLC reporting false information regarding an alleged ******** ***** *** debt. I've received no verification of alleged debt. They are in violation of: 15 USC §1692e(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. (reporting account term of "1 month") (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. § 808. Unfair practices [15 USC 1692f] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. (reporting account term of "1 month" and a past due amount)

Desired Settlement: Their false representation of alleged debt has caused severe damage to my credit score. I ask that they immediately delete their listing in its entirety from ********. I ask that they further agree to forever end all collection attempts and never transfer/sell/discuss this alleged debts with any person or business except for the purpose of deletion. Furthermore, they agree they have no intentions of reporting alleged debt to any other credit reporting now nor in the future. If they already have, they will request full deletion of those records as well. Information according to ********: Account #****** "Past Due" Amount $73

Business Response: Dear ** ******:
 
Thank you for your recent e-mail dated March **, 2013 concerning the above referenced account.
 
Please be guided by the following: A *********** ***** *** **** account was opened December **, 2008 in the name of ** ******* *****. A previous address on the account was ********************************************. A total of $12.89 in payments was received by the DVD Club. Due to delinquency, the account charged off/ defaulted November **, 2009 with a balance due of $73.90.
 
In November 2011, RJM Acquisitions LLC purchased this account from ******************. Their address is ****************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately  and amicably.
 
On December **, 2011, RJM Acquisitions LLC sent ** ********* a letter advising her that RJM Acquisitions LLC had purchased this account. The letter provided the above account information along with  a statement listing the items purchased; and offered several options to satisfy the account.
 
On January **, 2012, a review of the account revealed no record of a dispute; and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (***************************).
 
Additionally, on receipt of a Consumer Dispute Verification (CDV) from ***********, RJM Acquisitions LLC responded to the credit bureau "account information disputed by consumer" and sent ** ******** a letter advising her that we had received the CDV and had responded to the credit bureau.
 
However, other than the complaint from your office and the CDV from *********, RJM Acquisitions LLC has never been directly contacted by ** ******** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (**********************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

******** * *****
Director  of  Compliance

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 and the matter has been resolved as long as they indicate in addition to their response not


transfer/sell/discuss this alleged debt, that they have agreed to close, with any person or business except for the purpose of deletion

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/5/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On multiple occasions, I have explained to RJM Acquisitions that the collection they have for me (showing as $69 per TransUnion and $99 per Experian) is not mine. I have told them that a woman who moved into my apartment after I moved out used my name and former address to order books. I have been fighting with Scholastic and RJM on this since 2006. RJM is well aware that this is not anything that I ordered but still refuse to remove the account from my two credit reports.

Desired Settlement: I would RJM to please remove the collection of $69 from TransUnion and $99 from Experian. As they have been informed on multiple occasions over several years, someone used my identity to order these books. Thank you.

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Scholastic account was opened May *, 2007 in the name of ******** ********. The address on the account was/is ******* ******* ***** ****** ** *****.  Due to delinquency, the account charged off/ defaulted February *, 2008 with a balance due of
$68.79.  A statement listing the items purchased is attached.
 
In July 2011, RJM Acquisitions LLC purchased this account from Scholastic / Sandvik Publishing. Their address is *** **** ***** ***** ******** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since September 2011, RJM Acquisitions LLC has been sending letters to *** ********. The letters advised her that RJM Acquisitions LLC had purchased the above account and included the abovementioned information along with a list of the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.
 
In response to *** ********' s claim that "I have been fighting with Scholastic and RJM on this since 2006," please be advised that other than the complaint received from your office and a Consumer Dispute Verification (CDV) received on March **, 2013, RJM Acquisitions LLC has never been directly contacted by *** ******** concerning this account.

 
Our records reveal a second Scholastic account (number ending w/ ****) opened in *** ********' s name. RJM Acquisitions LLC closed that account in July 2012 on receipt of a complaint from the Better Business Bureau in which *** ******** stated that her "ex and his new wife used my name and address to order books ..." However, please understand that *** ******** also never contacted RJM Acquisitions LLC concerning said account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
 
 
 
** * ********* ******** ** **********

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/5/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Problem: RJM Acquisitions LLC claiming debts that had never existed. I am writing to dispute the authenticity of the account with RJM Acquisitions company. This company requests debt $49.86 to be paid. However, when I called the phone line, this company requested my personal information and failed to provide any proof of authentication. This company send a letter stating money is owed on ************ accounts which I never had. I am surprised when I got a letter from RJM Acquisitions, LLC, which said they collect money for an account on behalf of ************, also known as Proactiv Solution Account. I had never had the account, never purchased or received any of the item from ************. They reluctant to provide information to me to proof the authenticity of the account which they claim I owe money. I suspect that this is an identity theft issue and needs to be resolved with a written letter stating that it was a mistake. As written on the letter "RJM purchased your Proactiv Solution account" Proactiv Solution account #: ********* (Does not exist) Balance due: $49.86, shipment and purchased was made 12/**/2009 RJM toll free ###-###-####. Access code: ************

Desired Settlement: A written statement in letter to confirm that the debt that they claim I owe was a fraudulent mistake. And promise that it will be removed from credit bureau.

Business Response:
Dear *** ******:
 
Thank you for your e-mails dated March **** and ****, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Proactiv Solution account was opened November **, 2009 in the name of ***** ****. A previous billing address on the account was **** ****** ******* *** *** *** ****** ** *****. A total of $6.47 in payments was received by Proactiv. The last payment was received November **, 2009. Due to delinquency, the account charged off/ defaulted August *** 2010 with a balance due of $49.86. A statement listing the items purchased is attached.
 
In December 2012, RJM Acquisitions LLC purchased this account from ************ LLC. Their address is **** ***** **** ***** ***** ******* ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that a call was received concerning the above account shortly before 9:00 p.m. on Saturday, March **, 2013. Calls received when the office is closed at night or on weekends/holidays are routed to our automated phone system. The phone system prompt asks the caller for information - information that we have on file - to verify that the caller is the accountholder, the person for whom the letter was intended.
 
On Monday, March **, 2013 RJM Acquisitions LLC received a phone call from *** **** who disputed some aspect of the account.
 
As a result, RJM Acquisitions LLC promptly closed the account (on March **, 2013).

 
RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/4/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have paid about three different collection agencies now for ****** *** ******** for what I owed that company. My father in law paid the last time and it had now been well over 2 years since he paid, once he did the collection notices stopped coming in... years later another company now asks for payment, weather it's them or ****** *** there seems to be something fraudulent. Years after paying I couldn't provide proof of payment because a long time had passed so someone else paid and now at this point it's years later to track back. When I try to take it up with any of the agencies I'm always told "that's on ****** *** record now theirs" but I feel a legit company should find out details of what they are trying to collect. Since they claim to be part of the BBB instead of contacting them this time it's time to get someone else involved since my bank was bought out & my father in laws records are too old to provide now; at least if I do have to pay once again BBB will be informed when the next agency attempts to collect this same amount 102.93 from me. ****** *** ******** even had two accounts in my name, one with "larger print" where I received two copies of the same book in which they wouldn't close either account when requested for over a year until I stopped paying either!! Just a little more information of the trouble I had with ****** ***

Desired Settlement: This company to investigate into ****** *** last payment to my account before asking claim.

Business Response: Dear ** *****:
 
Thank you for your recent e-mail dated March *, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ********* **** ***** account was opened October *, 2005 in the name of ** ******** ******. A previous address on the account was ** **** ********************. A total of $73.39 in payments was received by the book club; the last payment was received February *, 2007. Due to delinquency, the account charged off/ defaulted March **, 2008 with a balance due of $102.93. According to the book club, the balance due included the Bill for Commitment charge ($18.01) and for the purchase of the following items:

HEARD SONG/ ALIBI SCRATCH WIN PIEC HNNBL RS/BRO.ODD

05-**-2007
05-**-2007
02-**-2007

000015822
000094190
000097987


 
 
In December 2010, RJM Acquisitions LLC purchased this account from ************** Entertainment LLC. Their address is ************************************. Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We  rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. Since January 2011, RJM Acquisitions LLC has been sending letters to ** ************* advising her that RJM Acquisitions LLC had purchased this account. The letters which included all of the above information (the date the account was opened; the list of items purchased; the name and address of the original creditor; and the date RJM Acquisitions LLC purchased the account) offered several options to satisfy the account. A toll free phone number and a postage paid envelope were provided with each letter in the event any information concerning the account was not accurate. However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by ** *********** concerning this account. Regardless, RJM Acquisitions LLC has closed the above referenced account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (*********************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes. We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours
 
******** * *******
Director of Compliance

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:


 I have not received any notice of not having any payments until this one came in a couple of weeks ago. It looks like they sent to a PO box i closed in '06 when all my account, book & dvd were closed as i only used it for those packages... my ****** *** account & ****** *** larger print were closed out after a year of buying same title books & refusing to continue to purchase since ****** *** refused to close either of these accounts. I recieved notice from agencies to my permeant address well before 2008... by 2008 i had stopped receiving books from ****** *** in 06, account opened in '04 when i moved out here... None of these dates from this collection agency are correct & I know account closed in '06 because I went back to verify the last time I paid (around 2008). Again I had paid this amount & a couple of years later my father in law paid, which was about 2-3 years ago. Again each time it's a different collection agency & even ****** *** refuses to acknowledge because "it's no longer in their hands but the agency" & when I've tried explaining to an agency many time before I paid due to having multiple accounts reviewing same title books in which ****** *** refused to close due to not meeting terms of agreed amount of purchases to each account!The agencies   have told me they don't know account information because they just collect the monies owed... However I can say I have not received anything from this company until this letter so after reading they've tried since 2010 is ridiculous, I'd of been able to track the check ** ***** ********* made to them in 2011 & might have been able to track my payment as I lost paperwork on our move 2011 which is why ** ********* had paid again since records were lost & now again after all this time it's hard to track records... It could just be the book co using different agencies to continue to collect but this company has never contacted me prior to this or I would have acted then as I promptly did after seeing this from ****** *** book club once again.

 

 

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

******* ********* 




 

Business Response: Dear ** ******:
 
Thank you for your recent e-mail dated March **, 2013 concerning ** ********** rebuttal of RJM Acquisitions LLC's response to the complaint she filed with the Better Business Bureau.
 
In December 2010, RJM Acquisitions LLC purchased this account from ********************* Entertainment LLC. Their address is **********************.
 
In response to ** ************** claim that she received no notice about this debt until a few weeks ago and that the notices must have been sent to a post  office box she closed, please be advised that RJM Acquisitions LLC's initial letter to ** *********** on January **, 2011 was sent to her post office box - ************************. However, subsequent letters from RJM Acquisitions LLC beginning on February *, 2011 through February **, 2013 were sent to ** ************* at **** * ****** ****** ***************** - the same address listed on the complaint she filed with the Better Business Bureau. Please see attached copies.
 
Please be advised that it is not clear as to why ** ************* feels her complaint was not resolved since RJM Acquisitions LLC has made every effort to assist her. Once we were aware that *** ***************** disputed some aspect of the above account, RJM Acquisitions LLC promptly closed the account and requested that the credit bureaus (**********************) delete the RJM Acquisitions LLC trade line pertaining to the account.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very Truly yours,
******** * ***********
Director of Compliance
 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: THIS IS A COLLECTION AGENCY. tHEY HAVE BEEN SENDING REPEATED EMAILS TO MY WORK EMAIL ADDRESS WHICH APPEARS ON THE COM[PANY'S SERVER AND CAN BE VIEWED BY ALL. I HAVE RECEIVED NUMEROUS EMAILS AND TWO WITHIN TWO MINUETS. THIS IS A VIOLATION OF MY PRIVACY.

Desired Settlement: FURTHER COMMUNICATION WILL BE ADDRESSED BY MY ATTORNEY.

Stop Contacting Me

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced accounts. Please be guided by the following:
 
>-          A Tony Robbins Get the Edge account (number ending w/ ****) was opened May **, 2009 in the name of **** ****. The billing address on the account was ****** ***** ***** ******** ** *****. The last payment was received June **, 2009. Due to delinquency, the account charged off/ defaulted November *, 2009 with a balance due of $222.40.
 
>-          A Tony Robbins Get the Edge account (number ending w/ ****) was opened May **, 2009 in the name of **** ****. The billing address on the account was ****** ***** ***** ******** ** *****. The last payment was received June **, 2009. Due to delinquency, the account charged off / defaulted November*, 2009 with a balance due of $222.40.
 
A statement listing the items purchased for each account is attached.
 
In December 2012, RJM  Acquisitions LLC purchased these accounts from  Guthy-Renker LLC. Their address is **** ***** **** ***** ***** ******* ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that on February **** and March ****, 2013, an e-mail for each of the above accounts was sent to *** **** at the e-mail address of record - the e-mail address provided by the customer to the original creditor.


However, other than the complaint received from your office RJM Acquisitions LLC has never been directly contacted by *** **** concerning this matter / these accounts.
 
Regardless, as per *** ****'s request, RJM Acquisitions LLC will cease contact with her concerning the above referenced  accounts.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a bill from this company stating the following: RJM Acquisitions LLC ("RJM") has purchased the following account: RJM Purchased Your ..... ********** ******* ********* ******* ******* **** **** ********** ******* * ******** Balance Due: $22.94 It states the following, "Unless you notify this office within 30 days after receiving this notice that you dispute this validity of this debt or any portion thereof, this office will assume this debt is valid." Is this a scam? My son is ** yrs old and I do not have any records of this purchase. I also filed bankruptcy and if this was legitimate it would have been included in that time I filed. What do I do?

Desired Settlement: Please investigate this company and the legitimacy of the bill.
Billing Adjustment

Business Response: Dear ** *****:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ********** account was opened April **, 2008 in the name of ***** *****. The address on the account was/is ***************************. Due to delinquency, the account charged off/ defaulted January **, 2009 with a balance due of $22.94.  A statement listing the items purchased is attached.
 
In January 2013, RJM Acquisitions LLC purchased this account from ************* Publishing. Their address is **********************************.
 
Please be advised that RJM Acquisitions LLC has closed the above referenced account. RJM Acquisitions LLC has never reported this account to any credit reporting agency.
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
****** * ******
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/2/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: received a collection letter to my home in ***** claiming that I purchased childrens book from some book company in 2007? I have never purchased childrens books and this was obviously a fraudulant attempt to try and get me to pay for something that I did not order. I read the letter and sent them a certified letter telling them that I did not owe the amount in question and the debt is not mine and that any attempt to place that fraudulant debt on my credit report will be seen with court matters. Ive read up on this company before and apparently there are hundreds of people getting fraudulant collection letters in the mail from apparent book orders. Bottom line, I will not be harrased by this company nor be threatened with my credit being destroyed for something that I have no clue what in the world it is nor did I authorize.

Desired Settlement: I want my name and information removed from their records and this fraudulant book order removed from their credit files. If I indeed find that they placed the item in question on my credit report even though i sent them a certified letter within 30 days of recieving their fraudulant letter, I will sue them. I protect my credit at all cost and will not have it destroyed by this Company.

Business Response:
Dear ** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ******* account was  opened November **, 2007 in the name of **** *******. A previous address on the account was ***********************************. A total of $42.90 in payments was received by the book club; the last payment was received March **, 2008. Due to delinquency, the account charged off/ defaulted February **, 2009 with a balance due of $89.77.  A statement listing the items purchased is attached.
 
In January 2013, RJM Acquisitions LLC purchased this account from ***********************. Their address is **********************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers.
 
On January **, 2013, RJM Acquisitions LLC sent ** ************ a letter advising her that RJM Acquisitions LLC had purchased this account. A second letter was sent February **, 2013. Please be assured that there is nothing harassing in our letters. The letters included the above information and listed the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.
 
On March *, 2013, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (**********************).
 
On March *, 2013, RJM Acquisitions LLC received correspondence from ** ********** in which she disputed some aspect of this account. As a result, RJM Acquisitions LLC promptly closed the above account.
 
In addition, RJM Acquisitions LLC requested that the credit bureaus (****************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
In response to ** ****** claims about internet postings, please understand that RJM Acquisitions LLC has no control over individuals who anonymously post false or fabricated claims on the internet. Unfortunately, these individuals have never contacted RJM Acquisitions LLC and have never given us an opportunity to review or discuss their concerns. RJM Acquisitions LLC takes very seriously each and every concern we receive and we make every effort to resolve each one compassionately and amicably - as was done for ** ********** when she contacted RJM Acquisitions LLC.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******** * ******
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RJM is attempting to collet a debt. The address they have shown as the delivery address I have not lied at in 5 years. In 2011, they contacted me to collect this debt. I wrote back that i did not purchase the item from ****** ******* ****. Their client's records were wrong. Now in 2013 they ahve contacted me again, trying to collect a debt they claim is due to ****** ******* ****. They have chnged the accout number and the amount owed. Same Debtor, now a different dollar amount and new account number. Again I am writing them to explain while they have a valid former address for me, i DID NOT AT ANY POINT IN TIME RECEIVE THE ITEM THEY CLAIM THE DEBT IS OWED FOR. If I had recieved the item, why would i risk my credit score over $27?. I refuse to pay for something i did not recieve.

Desired Settlement: Stop harassing me over something that i did not buy. Is there a purchase order evidencing my order? NO. Is there anything with my authroization citing that i wanted to buy the item? NO. They keep contacting me with "You owe this. Pay it now." - Um, I DO NOT HAVE CHILDREN SO WHO THE **** DID I BUY ALL THIS STUFF FOR?????? I DID NOT ORDER THE ITEM. THEY NEED TO LEAVE ME ALONE

Business Response: Dear ** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
Please be advised that RJM Acquisitions LLC denies the allegations made by ** ******** in the complaint she filed with your office.
 
Please be guided by the following: A ********** account was opened April **, 2006 in the name of **** *******. A previous address on the account was *********************************. A total of $25.39 in payments was received by the book club; the last payment was received December **, 2006. Due to delinquency, the account charged off/ defaulted June **, 2010 with a balance due of $27.38. A statement listing the items purchased is attached.
 
In January 2013, RJM Acquisitions LLC purchased this account from ********************. Their address is ***************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve our customers' concerns compassionately and amicably.
 
On February *,2013, RJM Acquisitions LLC sent ** ******* a letter advising her that RJM Acquisitions LLC had purchased the above account. A second letter was sent March **, 2013. Contrary to ** ********** claims, RJM Acquisitions LLC's letters are not harassing and do not state "You owe this. Pay it now." The letters contain the above account information; a list of the items purchased; and they offer the customer a choice of options to satisfy the account.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been contacted directly by ** ****************** about this account.

Regardless, RJM Acquisitions LLC has dosed the above account.
 
RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
In response to ** *******  claim that RJM Acquisitions LLC contacted her in 2011 regarding this debt, please understand that RJM Acquisitions LLC did not purchase this debt until January 2013.
 
In May 2010, RJM Acquisitions LLC purchased a *********** account (number ending w/****). The account had a balance due of $43.86. (A statement listing the items purchased for this specific account is also attached.) On April **, 2011, RJM Acquisitions LLC received correspondence from ** *********** in which she disputed some aspect of the account (number ending w/****). As a result, RJM Acquisitions LLC closed the account.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
********** * ******
Director of Compliance

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 and the matter has been resolved.

Sincerely,

**** *******

*** *******
 
My apology, i have been out of town for a few days visiting family and forgot to respond.
 
This matter is resolved as long as i am not bothered again.
 
RJM Acquisitions stated they do not call people they are trying to collect from  Perhaps that is true bt I called them and was instructed to put it in writing..
 
I suspect in a year or two i will receive another letter, which another dollar amount claiming is owed.
 
As long as they have closed this matter and will not bother me again, i am satisfied this is resolved.
 
Thank you for your help.
**** *******

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been harassed via mail for over two years now by this company for a debt that I did not incur. This company, as well as ******* ********* ***** is claiming that I opened an account and owe them over $67. The address that the account was opened under was not my valid address at the time, and I did not move to that address until over two years after they are claiming that this debt was incurred. The original account was apparently opened in April of 2003, and the books were sent to me in August and September of 2003; however I did not move to the address these books were sent to until July of 2005. I will also be sending a written letter disputing the validation of this debt.

Desired Settlement: Please remove this debt off of my credit report and I would also like a cease and desist of any and all communication between the company and myself.

Business Response: Dear ** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
Please be guided by the following: A ******* ******* **** **** account was opened April **, 2003 in the name of ***** *****. A previous address on the account was ***********************************. A total of $23.25 in payments was received by the book club. Due to delinquency, the account charged off/ defaulted November **, 2004 with a balance due of $67.15.
 
In February 2008, RJM Acquisitions LLC purchased this account from *************** *****************. Their address is **********************************************.
 
In response to ** ******** concerns about the address of record - the abovementioned address, please be advised that said address was the most current address the book club had for ** ******* at the time the account was sold to RJM Acquisitions LLC.
 
In response to ** ****** claim that she has been "harassed via mail for over two years ...," for a debt she did not incur, please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably. Since March 2008, RJM Acquisitions LLC has been sending letters to ** ********. The letters advised her that RJM Acquisitions LLC had purchased the above account and included a request that she contact RJM Acquisitions LLC in the event any information regarding the account was not accurate.
 
A toll free phone number and a postage paid envelope were provided with each letter in the event any information concerning the account was not accurate.

However,  other  than the complaint received  from your  office, RJM  Acquisitions  LLC has never  been contacted by ** ******* directly about this account.
 
Regardless, RJM Acquisitions LLC has closed the above account.
 
RJM Acquisitions LLC is not reporting this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
************* * *******
Director if Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RJM Acquisitions is attempting to collect money for a fraudulent account from me. They are saying I ordered and recieved a dvd from ******** *** company in 2009 which I did not.

Desired Settlement: I want the company to send to me in writing a letter that states that this is not a real account and that they are no longer pursuing me for this fraudulent debt.

Business Response: Dear ** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions LLC's letters include some identifying information - a partial social security number and/ or the address of record for the accountholder. A toll free phone number and a postage paid envelope are provided with each letter in the event any information concerning the account is not accurate.
 
Please understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
Previously, mail sent to our customer, * ******* ******, was returned by the post office. A possible good address was recently received and, on March **, 2013, RJM Acquisitions LLC sent a letter to our customer, * ******** *****, at **********************************************. The letter included the address of record (the previous address) for identification purposes.
 
However, since the recipient of our letter is not the * ******** ****** for whom the mail was intended, RJM Acquisitions LLC has closed the abovementioned address.
 
In addition, in order to avoid any confusion in the future, RJM Acquisitions LLC has permanently closed the underlying account for which the mail was sent. 
 
We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
******* * *********
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/29/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Have contacted this organization through mail to provide valid proof of the debt they are trying to collect and documentation of the breach of contract where it was voided. Also advised this organization that the original creditor is under investigation by the attorney general in California for selling account information that does not meet the fcra rules in collecting debt and for incorrectly stating contract dates.

Desired Settlement: Remove there collection inquiry from my credit report and to send the account back to the original creditor and let them wait till the attorney general has finished there investigation.

Business Response: Dear ** ******:
 
Thank you for your recent e-mail dated March **, 2013 concerning the above referenced account.
 
Please be guided by the following: A ********** ***** *** **** account was opened December *, 2006 in the name of ** ***** ****. The address on the account was/ is *** * ****** ***** *** ******** *** *****. A total of $18.66 in payments was received by the DVD Club. Due to delinquency, the account charged off/ defaulted April **, 2009 with a balance due of $99.76.
 
In November 2012, RJM Acquisitions LLC purchased this account from ***** ***** ***. Their address is **********************************************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On January **, 2013, RJM Acquisitions LLC sent ** **** a letter advising him that RJM Acquisitions LLC had purchased this account. The letter included the above account information and offered several options to satisfy the account.
 
On March *, 2013, a review of the account revealed no record of a dispute; and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (**************************************).
 
On March ** and on March **, 2013, on receipt of consumer dispute verifications (CDVs) from *******, RJM Acquisitions LLC sent ** **** a letter advising him that RJM Acquisitions LLC had received the CDV inquiries and, after completing our investigation, had responded to the credit bureau. A toll free phone number and a postage paid envelope were included with each letter in the event any information pertaining to the account was not accurate.

However, prior to receipt of the complaint from your office, RJM Acquisitions LLC had never been contacted by ** **** directly about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (*********************) delete the RJM Acquisitions LLC trade line pertaining to the above account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
********** * *******
Director of Compliance

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 and the matter has been resolved. As long the business honors there resolution.

Sincerely,

***** ****



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They are attempting to collect a debt that is more than 7 years old. This collection has been in dispute before. This bill has been paid. This acquasation is against the Crossings Book Co., a christian book company. This particular acquasation of non payment is affecting my ability to aquire a mortgage which is very necessary that I get. I do not have a place to live I'm in an extended stay hotel and my temporary stay is about to end shortly. I would appreciate it very much if you would bring this matter to a close once and for all. This is the third time this matter has been addressed. Please have it removed, it's more than 7 years old, so old I forgot it. I thought it had been removed some time ago. Sincerely Thank You***** * ****

Desired Settlement: Please have this matter removed permanently. This matter is too old to keep coming up.Please Note:Two months ago my credit score was 780. All of a sudden, last month I'm charged with this oldbill, this month, they give me a late charge. How Can That Be?Please have this matter removed from my records permanently. Thank You***** ****

Business Response: Dear *** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Crossings Book Club account was opened March **, 2007 in the name of ***** ****. A previous address on the account was *** *** ****** *********** ** *****. A total of $24.67 in payments was received by the book club. Due to delinquency, the account charged off/ defaulted October **, 2009 with a balance due of $60.69.
 
In November 2012, RJM Acquisitions LLC purchased this account from Bookspan/Doubleday Entertainment LLC. Their address is *** ** **** ******* *** ****** *** ***** ** *****.
 
Please be advised that other than the complaint  received from your  office, RJM Acquisitions LLC has never been directly contacted by *** **** concerning this account.
 
Regardless, in light of *** ****** situation, RJM Acquisitions LLC has closed the above account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

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 and the matter has been resolved. The reply from the Crossings Book club is still not true, I did pay them in full and That's why I've not only asked to the Better Business Bureau to have the Aquisitions Collections Agency to remove the status, I'm also asking the Better Business Bureau to Confront the Crossings Book Club also. They will only get another Collections Agency to do the same thing. I want them to stop saying that I owe them money because I don"t. Thank you very much for looking into this matter so quickly, I hope it will be effective as soon I need the same credit score (780) if not better. I'm trying to get a mortgage and this one thing has hindered it very much.


Sincerely,

***** ****



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I never joined the Disney Wonderful World Reading Book Club. Scholastic Account # ********. I have no children so it is obviously a mistake.

Desired Settlement: Credit this phony account and take my name off of your mailing list. I am a professional writer. Walt Disney owes me for theft.

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated March *, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Scholastic account was opened January **, 2007 in the name of ***** *****. A previous address on the account was ** *** ****** ******** ** *****. Due to delinquency, the account charged off/ defaulted November *, 2007 with a balance due of $50.85.
 
In May 2010, RJM Acquisitions LLC purchased this account from Scholastic/ Sandvik Publishing. Their address is *** **** ***** ***** ******** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since June 2010, RJM Acquisitions LLC has been sending letters to *** *****. The letters advised her that RJM Acquisitions LLC had purchased this account and included all of the above information along with the list of items purchased. Several options to satisfy the account were  offered  and  a  postage  paid envelope and a toll free phone number were provided in the event any information  concerning  the account was not accurate.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by *** ***** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.


 In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

                        

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/19/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have received a letter in error, stating that a ******* * ***** ***** ***** ** **** ***** ** *** **** ******** ** ********** owes $117.43 to a ********* account with purchases made in 1996 and 1997. No one named ******* * ***** ***** ***** lives at the address the debt bill was sent to, and it is not and has never been my name. I have never lived in ********, don't know what a ********* is, and was only *years old at the time RJM Acquisitions claim the money was owed. My parents have received letters from RJM Acquisitions in the past, and were bothered for months with this same bill. They finally mailed RJM Acquisitions all of my report cards since I was in Kindergarten to prove my age and addresses. Once these items were received RJM finally said that everything was settled. I am very concerned that I have received this bill yet again, at a new address years later. Please look through your records to see that you have proof that this bill is not for me. When this problem first started years ago I filed complaints with the BBB and sent letters the the District Attorney as well as giving a copy of every letter from RJM to our local police station.

Desired Settlement: I would like for this debt to be taken off of any of my credit reports, to not be contacted by RJM ever again at any address that I may live at at any time. I would like a written reply mailed to me stating specifically that this problem has been fixed and that I will no longer be contacted.

Business Response: Dear ** *****:
 
Thank you for your e-mail dated March *, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions Funding LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
When mail for a customer is returned by the post office, RJM Acquisitions Funding LLC makes every effort to locate the right person. However, RJM Acquisitions Funding LLC understands that there may be more than one person with the same name. Unfortunately, search engines at times merge addresses of individuals who share the same or similar name and live or have lived in the same locale.
 
In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions Funding LLC's letters include some identifying information.
 
Previously, mail sent to our customer, ********* *** ******** (*****) was returned by the post office. A possible good address was recently received and, on February **, 2013, RJM Acquisitions Funding LLC sent a letter to our customer (******* * ******* ***** *****) at ** ****** ****** ***** ***********. The letter included the address of record for the accountholder (the previous address on the account) for identification purposes. A toll free phone number and a postage paid envelope were provided in the event any information concerning the account was not accurate. Regardless, since the recipient of our letter at the abovementioned address has advised that she is not the ****** ***** for whom the mail was intended, RJM Acquisitions Funding LLC has closed the address and will send no more mail concerning this matter to our customer ******* **** ******** (*****) at said address.
 
In addition, in order to avoid any confusion in the future, RJM Acquisitions Funding LLC has closed the underlying  account for which the mail was sent. In response to ** ******* concerns about credit reporting, RJM Acquisitions Funding LLC provides our customer's name; our customer's address of record (the address provided by the creditor) and our customer's social security number (if available) to the credit reporting agencies.
 
However, RJM Acquisitions Funding LLC is not reporting the account for which the mail was sent to any credit reporting agency. We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####
 
Very Truly Yours,
******* * ******
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company keeps hanging up when I ask to speak with a manager in regards to a debt I do not owe. Company has sent me 2 letters saying I oew $217.43 on a over drafted bank account that I have never closed I have had this bank account since 2004 and am currently still using it. This company refuses to take the debt off my credit score and they will not close the account they are trying to extort money from me by saying I owe money that I do now. I called my bank and they confirmed I do not owe any balance on my accounts. This company does not practice good business ethics and this needs to be reported and documented as this is not okay to extort money out of hard working ********* this is no different than committing a robbery . They should be held accountable.Thanks,******* ******

Desired Settlement: I would like a mark on BBB record I would like a fallow up from your office I would like this removed from my credit score and I would like an apology from this company I also would like it in writing that the account has been closed out and the debt has been removed from my credit score

Business Response:
Dear ** ******:
 
 
Thank you for your e-mail dated February **, 2013 concerning the above referenced account. RJM Acquisitions LLC vehemently denies each and every allegation made by ** ******* in the complaint he filed with your  office.
 
Please be guided by the following: A ***** **** checking account was opened January **, 2006 in the name of ****** ******, social security number ***-**-****. A previous address on the account was ************************************************. Due to delinquency, the account charged off/defaulted March *, 2007 with a balance due of $217.43.
 
In March 2012, RJM Acquisitions LLC purchased this account from ****** ****, N.A. The bank's address is ***************************************************************. Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since April 2012, RJM Acquisitions LLC has been sending letters to ** *****. The letters advised him that RJM Acquisitions LLC had purchased this account and included all of the abovementioned information (the [full] account number; the date the account was opened; the name and address of the original creditor; the date RJM Acquisitions LLC purchased the account; a partial social security number for the accountholder; a previous address for the accountholder and the account balance) in addition to offering several options to satisfy the account. A postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.
 
On November **, 2012 and again on February **, 2013, RJM Acquisitions LLC received a phone call from ** *****. ** ****** refused to verify the account information and threatened, insulted, and used profanity when our representatives advised him they were unable to discuss the account unless they could confirm that he was the accountholder.

 
 
 
In addition, minutes after the February **, 2013 call ended, RJM Acquisitions LLC received a phone call from a female who  said that she was calling from the Better Business Bureau. When asked for her name, she identified herself as ******** ********* from the Better Business Bureau. When asked for her phone number, ** ****** gave ###-###-#### as the Better Business Bureau's phone number.
 
 
Documentation relevant to the above referenced account is enclosed.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
 
Very truly yours,
********* * ******
Director of Compliance

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:

 

Once again my account was opened in 2004 My Bank confirms I have not been over drafted and my account was not sold to a collection agency. RJM is not truthful in what they are telling you. The dates on the paper work they sent you are from 2006. They need to remove this from my credit report and they need to stop sending me letters as I will not be extorted for money I do not owe on an account I still use to this day. They are now providing documents that my bank ***** **** of ** claims they never sent them any paper work.  Once again RJM is committing fraud and need to loose their business License my next step is to turn them in to the DOJ in ** so they can not do business in my state of ** 

 

 

 

In order for the BBB to appropriately process your response, you MUST answer the question above.


Sincerely,

******* ****** 



 

Business Response: Dear ** ******:
 
Thank you for your e-mail dated March *, 2013 concerning ** ***** rebuttal of RJM Acquisitions LLC's response to the complaint he filed with the Better Business Bureau.
 
Once again, RJM Acquisitions LLC vehemently denies each and every allegation made by ** ***** in the rebuttal he filed with your office.
 
In response to ** ****** claim that his account was opened in 2004, please be guided by the following: A ***** **** checking account (number ending w/****) was opened January **, 2006 in the name of ****** ******, social security number ***-**-****. Please refer to the bank-depositor agreement provided by  **** *****.  This document signed by ** ***** on January **, 2006 clearly states that the account was opened January **, 2006.
 
In response to ** ***** claim that his bank confirmed his account was not sold, please be advised that on March **, 2012, RJM Acquisitions LLC purchased this account from ****** ****, N.A. The  bank's  address  is  ************************************************.
 
Please be assured that RJM Acquisitions LLC would like to resolve this matter. It is suggested that ** ****** provide proof to support his allegations.
 
In the meantime, RJM Acquisitions LLC has ceased sending correspondence to ** ******.
 
We trust this covers your concerns. Should you have any questions or if l can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
 
 
 ******** * *******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/19/2013 Billing/Collection Issues | Complaint Details Unavailable
3/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RJM Acquisitions in Syosset, NY is putting false, misleading, and damaging information on my credit report. They are claiming that I owe $52.47 for a book that I never ordered nor received. The name of the book RJM is claiming that I owe for is "Reagan/Wish" from a "History Book Club." Again, I never received nor kept this book, nor does that subject interest me. This false information is appearing on my Experian credit report and damaging my credit. I have attempted to remove this wrong information, but RJM Acquisitions continues to block and stonewall my efforts. In the most strong and serious manner possible to express, I never received any book by that name or similar, and RJM Acquisitions continues to damage my credit rating.

Desired Settlement: First, I want RJM Acquisitions to remove the false information from my credit report. Next, I would like a monetary settlement from them for the damage they are causing me. I am attempting to make a purchase and their wrong information is causing me to have to pay higher interest. My credit is very good, except for their false information. I will settle for an amount of money that can be negotiated per similar cases that have been previously adjudicated.

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
Please be guided by the following: A History Book Club account was opened March **, 2008 in the name of ***** ********. The address on the account was/is **** * ******** ******* *** ** ******** ** *****. A total of $15.71 in payments was received by the book club. The account charged off/ defaulted June*, 2009 with a balance due of $52.47. According to the book club, the balance due (which included late fees) was for the purchase of:
 
 
 **** ***** **** **** **** ****** *********** ********** *********  
 
In November 2011, RJM Acquisitions LLC purchased the above account from Bookspan/Doubleday Entertainment LLC.  Their address is *** ** **** ******* ***** ****** *** ***** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
Since January 2012, RJM Acquisitions LLC has been sending letters to *** ******** at **** * ******** ******* *** ** ******** ** ***** - the same address listed on the complaint he filed with your office. The letters advised *** ******** that RJM Acquisitions LLC had purchased this account and provided the above account information. Several options were offered to satisfy the account.
 
On March*, 2012, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported  the account to the credit bureaus.
 
In addition, on receipt of a Consumer Dispute Verification (CDV) from Experian, RJM Acquisitions LLC responded to the credit bureau "account information disputed by consumer" and sent *** ******** a letter advising him that we had received the CDV and had responded to the credit bureau (Experian).
 
A toll free phone number and a postage paid envelope were provided with each letter in the event any information concerning the account was not accurate.
 
However, other than the complaint received from your office and the CDV from Experian, RJM Acquisitions LLC has never been directly contacted by *** ******** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above account.
 
In addition, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
Please be advised that *** ********'s request for compensation is without merit and therefore denied. We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

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 and the matter has been resolved.

Sincerely,

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



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have never heard from this company before and now all of a sudden there is a collection account reporting on my credit profile. I have tried to contact this company on multiple occasions to no avail. This debt is not mine and due to the nature of their filing a fraudulant collection account with the major credit bureaus it is affecting me in a negative fashion. This is defamation of character as in addition to being shady practices. I have never received any notification of any past due accounts with this company. In fact I had never heard of this company until they appeared on my credit report. I want this negative entry removed from my credit report immediately as well as an explanation from this creditor to prove that this was a fraudulant account. I am in the process of securing a mortgage loan and now the lender is refusing to fund my loan until this collection account is resolved.

Desired Settlement: I would appreciate an email from this company that I can forward to my lender to prove that this is a fraudulant entry on my credit report. Now that the lender has seen the collection account they are requesting a letter of explanation from the creditor as well as a confirmation that because of the fraud the account will be deleted immediately.

Business Response:
Dear ** ******:
 
Thank you for your e-mail dated March **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ******* account was opened March **, 2007 in the name of ****** ********. The address on the account was/ is **********************.  Due to delinquency, the account charged off / defaulted June **, 2010 with a balance due of
$34.89.                                                                                                                                                 
In January 2013, RJM Acquisitions LLC purchased this account from ***********************. Their address is *****************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On January **, 2013, RJM Acquisitions LLC sent ** ******** a letter advising her that RJM Acquisitions LLC had purchased this account; a second letter was sent on February **, 2013. The letter(s) provided the above information and listed the items purchased. Several options were offered  to satisfy the account; and a postage paid envelope and a toll free phone number were included in the event any information  concerning the account was not accurate.
 
On March *, 2013, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported the account to the credit bureaus.
 
Regardless, RJM Acquisitions LLC has closed the above account. In addition,  RJM Acquisitions LLC has requested that the credit bureaus (******************) delete the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
Please be advised that after receipt of the complaint from the Better Business Bureau, RJM Acquisitions LLC was contacted by ** ******** - our first direct contact from her. RJM Acquisitions LLC advised ** ********** that we had closed the account. In addition, RJM Acquisitions LLC sent ** ******** an e-mail advising her that RJM Acquisitions LLC had closed the account and  requested  that  the credit bureaus delete our reporting of this account.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

Very truly yours,
******* * *******
Director of Compliance

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. However, I have not yet received an email from this company. I trust that they will hold true to their word in accurate reporting to the bureaus. As I explained to the rep at their company I have no knowledge of this account and despite the address being shown as mine I have never received any books from this company not have I ever entered I to any contract with this company. I trust that this letter will serve as evidence enough to my lender that the account has been closed although I would still like some

Sort of written communication from this company directly to me staying that the account has been closed as will be reported to the credit bureaus as such. Thanks you for your time. 

Sincerely, 

****** ******* 


 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/14/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: RJM Acquisitions LLC, *** ********* ****** ***** **** ******** ** **********. Has sent an invoice to me stating that I owe them money from May*, 2008 for some bookes (********* ******* ******* **** ****) in the amount of $35.91. I did not order these books and have no intention of paying for them. This is a scam for them to get all your credit card information, Banking information.

Desired Settlement: That this company be stoped making all these fraud charges against people.
Stop Contacting Me

Business Response: Dear ** ******
 
Thank you for your e-mail dated February **, 2013 concerning the above referenced  account.
 
In response to your e-mail, please be guided by the following: A ************ account was opened May *, 2008 in the name of ****** *******. The address on the account was/ is ***************** ***************************. Due to delinquency, the account charged off/ defaulted February **, 2009 with a balance due of $35.91.  A statement listing the items purchased is attached.
 
In January 2013, RJM Acquisitions LLC purchased this account from ********************** Publishing. Their address is ***************************************.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On February **, 2013, RJM Acquisitions LLC sent a letter to ** ******** advising her that RJM Acquisitions LLC had purchased this account. The letter included the above information and listed the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any information concerning the account  was  not accurate.
 
However, other than the complaint received from your office, RJM  Acquisitions LLC has never been directly contacted by ** ******** concerning this account.
 
Regardless, RJM Acquisitions LLC has closed the above account.

RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
******** * *********

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/14/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: In reference to Account Number: ********** RJM ACQ, LLC is inaccurately and illegally reporting on my credit reports. RJM ACQ, LLC has failed to provide legal validation or a dunning letter with Fair Debt Collection Practices Act ("FDCPA"). I am looking for proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased itemized with the interest, payments, credits, fees and/or permissible charges. I would like to have this account deleted from my credit reports and I will also be filing a separate report with the FTC.

In reference to Account Number: ********** RJM ACQ LLC is inaccurately and illegally reporting on my credit reports. RJM ACQ LLC has failed to provide legal validation or a dunning letter with Fair Debt Collection Practices Act ("FDCPA"). I am looking for proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased itemized with the interest, payments, credits, fees and/or permissible charges. I would like to have this account deleted from my credit reports and I will also be filing a separate report with the FTC.
 
In reference to Account Number: ********** RJM ACQ LLC is inaccurately and illegally reporting on my credit reports. RJM ACQ LLC has failed to provide legal validation or a dunning letter with Fair Debt Collection Practices Act ("FDCPA"). I am looking for proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased itemized with the interest, payments, credits, fees and/or permissible charges. I would like to have this account deleted from my credit reports and I will also be filing a separate report with the FTC.

Desired Settlement: I would like to have this account deleted from my credit reports and I will also be filing a separate report with the FTC.

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated February **, 2013 concerning the above accounts. In response to your e­ mail, please be guided by the following:
 
One Spirit Book Club account (number ending w / ****) was opened September **, 2006 in the name of ******* **********. The address on the account was/ is***** ********* ****** ***** ********** ** *****. A total of $9.87 in payments was received by the book club; the last payment was received October **, 2006; Due to delinquency, the account charged off / defaulted December **, 2007 with a balance due of $111.57.
 
Children's Book of the Month Book Club account (number ending w / ****) was opened August **, 2007 in the name of ******* **********. The address on the account was / is ***** ********* ****** ***** ********** ** *****. Due to delinquency, the account charged off/ defaulted January **, 2008 with a balance due of $91.58.
 
In December 2010, RJM Acquisitions LLC purchased the above accounts from Bookspan / Doubleday Entertainment LLC.  Their address is *** ** **** ******* *** ****** *** ***** ** *****.
 
Bank of America checking account (number ending w / **** was opened in the name of ******* * **********, social security number ******-****. The address on the account was / is ***** ********* ****** ***** ********** ** *****. Due to delinquency, the account charged off/ defaulted September **, 2007 with a balance due of $1,474.86.
 
In October 2010, RJM Acquisitions LLC purchased this account from Bank of America N.A. The bank's address is *** ****** ******* ** ****** ** *****.
 
Please understand that RJM  Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.


Since November 2010, RJM Acquisitions LLC has been sending letters to *** ********** for the Bank of America checking account and since January 2011 for the book club accounts. The letters advised her that RJM Acquisitions LLC had purchased each of these accounts and included all of the above account information. Several options were offered to satisfy  each account and a toll free phone number and a postage paid envelope were provided in the event any information was not accurate.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been contacted by *** ********** directly about any of these accounts.
 
Regardless, under separate cover RJM Acquisitions LLC is sending documentation relevant to the above accounts to *** ********** (copies attached). If *** ********** believes that any information concerning these accounts is not accurate, it is suggested that she complete the Inaccuracy /Dispute form and return the form to us.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This account of mine has already been settled and now this bill collecting agency is making false claims against my credit. The company is hurting my credit score and the bill there trying to collect for has already been resolved with the original bill holder. This is crazy. This bill collector is a scam.

Desired Settlement: This company should go back to ********** and get there money back because this bill has been paid. Or else i will be seeking actions on taking them to court for damaging my credit score.

Business Response:
Dear ** ******:
 
Thank you for your e-mail dated February **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ******* ***** account was opened April *, 2010 in the name of ***** ******. A previous billing address on the account was ***********************************. A total of $35.94 in payments was received by *******. The last payment was received April *, 2010. Due to delinquency, the account charged off/ defaulted January **, 2011 with a balance due of $99.84.
 
A statement listing the items purchased is attached.
 
In December 2012, RJM Acquisitions LLC purchased this account from ***************. Their address is *************************************. Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
RJM Acquisitions LLC's first and only attempt to contact ** ****** was on February **, 2013 when a letter was sent advising him that RJM Acquisitions LLC had purchased this account. The letter included the above information and listed the items purchased. Several options were  offered  to  satisfy  the account; and a postage paid envelope and a toll free phone number were provided in the  event any information concerning the account was not accurate.
 
However, please be advised that other than the complaint received from your office, RJM Acquisitions LLC has never been contacted about this account.
 
Regardless, RJM Acquisitions LLC has closed the above account. RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
 
 
******** * *********
 

Business Response: Dear ** *****:
 
Thank you for your  e-mail dated  March  *, 2013 concerning ** ********  rebuttal  of  RJM Acquisitions LLC's response to the complaint he filed with the Better Business Bureau.
 
RJM Acquisitions LLC takes very seriously each and every concern that we receive and we make every effort to resolve them compassionately and amicably. As advised in our previous response to the complaint ** ******* filed with the Better Business Bureau, RJM Acquisitions LLC has closed the above account.
 
RJM Acquisitions LLC has never reported this account to any credit reporting agency. It is unfortunate that ** ***** feels that RJM Acquisitions LLC's response did not resolve his complaint. However, every effort was made to assist him. Once RJM Acquisitions LLC was aware that ** ****** disputed some aspect of the account, RJM Acquisitions LLC promptly closed the account.
 
We trust this addresses your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very Truly Yours, 
 
******** * *******
Director of Compliance

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 and the matter has been resolved.

Sincerely, 

***** ***** 


 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am writing you today to lodge a formal complaint against RJM Acquiitions. This debt collector placed marks on all of my credit reports (Equifax, Experian, ChexSystems, and Transunion) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. Even though I have paid the bill, I attempted to send debt validation to the address they provided, the notification has yet to be sent back to me. This company has effectively destroyed my chances of getting a personal loan, as they have also incorrectly listed these accounts as past due even though payment was made on all credit reports instead of paid in full. I am requesting your office look into these allegations and help me procure a deletion from all credit reporting agencies until this company can successfully validate my debt and update my status as they are mandated by law to do. I felt compelled to urge your office to help me in my crusade to remove RJM Acquisitions and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide timely correspondence or updates should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through a medical process and this account has derailed my personal loan chances. Thank you very much for your time!

Desired Settlement: Deletion of marks on my reports

Business Response:
Dear *** ******:
Thank you for your recent e-mail dated February**, 2013 concerning the above referenced account.  Please be guided  by  the following:   A  Bank  of America  checking  account was opened in the name  of
******* ** ********,  social  security  number  ******-****.    Due to delinquency,  the  account  charged off/ defaulted January **, 2010 with a balance due of $323.87.
 
In May 2012, RJM Acquisitions LLC purchased this account from Bank of America N.A. The bank's address is *** ********* ***** ******* ** *****.
 
Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that on June **, 2012, RJM Acquisitions LLC sent a letter to *** ******** at ** *** ** ******* ** ***** - the same address listed on the complaint *** ******** filed with the Better Business Bureau (copy attached). The letter advised *** ******** that RJM Acquisitions LLC had purchased the account. The abovementioned account information was included along with several options to satisfy the account. A toll free phone number and a postage paid envelope were provided in the event any information pertaining to the account was not accurate.
 
On July **, 2012, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).
 
On February **, 2013, RJM Acquisitions LLC received a phone call from *** ******** - RJM Acquisitions LLC's first and only direct contact with him. *** ******** verified the account information and stated that he would like to make a payment by phone. Please understand that prior to receipt of the complaint from your office *** ******** never disputed this debt with RJM Acquisitions LLC.

As of February **, 2013, the above account has been paid.
 
As per *** ********'s specific request in the complaint filed with your office, RJM Acquisitions LLC has requested that the credit bureaus (Trans Union and Experian) delete the RJM Acquisitions LLC trade line pertaining to the above account. In accordance  with the Fair Credit Reporting  Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 

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 the items are removed from the credit reports listed, and the matter has been resolved.

Sincerely,

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



 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/7/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a collection letter today from this company alleging that I owe $96.21 to Doubleday Bookclubs / Bookspan. I have never been a member of Doubleday Bookclubs, Bookspan, or any other book club and I do not owe any such club (or any other club) a dime. The letter lists me having a prior address in Oswosso, MI. I do not live in Oswosso, Michigan, nor have I ever lived in Oswosso, Michigan (or been a resident of Michigan, for that matter). A quick Google search suggests that someone with a similar last name (and perhaps a similar first name as well) does live at the address noted on the letter I received. This suggests to me that this company is simply sending letters to all people that happen to share the same basic name regardless of whether it is the actual person in question (likely hoping that people will pay either out of fear or just to rid themselves of the nuisance). I will call and discuss, but even assuming they take prompt corrective action, I find this practice to be highly unethical and potentially predatory. There is simply no other explanation as to why I would have received a letter from them, as I have never had any interaction with RJM Acquisitions, LLC or Doubleday Books.

Desired Settlement: I want a letter acknowledging the mistake and certifying that it was in fact a mistake and that they will take no action that would be negative to my credit or, if such actions have already occurred, they will act to remedy them immediately (i.e. within 24 hours of sending the letter).

Apology

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated February **, 2013 concerning the above matter.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
When mail for a customer is returned by the post office, RJM Acquisitions LLC makes every effort to locate the right person. However, RJM Acquisitions LLC understands that there may be more than one person with the same name. In order to ensure that the recipient of our letter is the accountholder, RJM Acquisitions LLC' s letters include some identifying information.
 
Please also understand that search engines at times merge addresses of individuals who share the same or similar names and live or have lived in the same locale.
 
Previously, mail sent to our customer, ********* ******, was returned by the post office. Recently, a possible good address was received for her and on February **, 2013 RJM Acquisitions LLC sent a letter to our customer at **** **** ******* *********** ** *****. The letter included the address of record on the account for identification purposes. A postage paid envelope and a toll free phone number were provided in the event any information was not accurate.
 
On February **, 2013, RJM Acquisitions LLC received a phone call from *** ********* ****** who advised us that she had received our letter at the abovementioned address; however, she was not the accountholder - the ********* ****** for whom the mail was intended. The representative advised *** ****** that RJM Acquisitions LLC was closing the address and will send no more mail concerning this matter to our customer at said address.
 
In addition, in order to avoid any confusion in the future, RJM Acquisitions LLC has closed the underlying account for which the mail was sent.
 
With reference to *** ******' concerns about credit reporting, please be advised that RJM Acquisitions LLC provides the following information to the credit reporting agencies: our customer's name;  our customer's address of record (the address provided by the creditor) and our customer's  social security number.
 
We sincerely regret any inconvenience this matter may have caused and trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/6/2013 Billing/Collection Issues | Complaint Details Unavailable
3/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was billed $78 dollars for a product I never purchased and was charged to my credit.

Desired Settlement: I just want the fund taken off my credit report and my credit score repaired.

Business Response: Dear ** *****:
 
Thank you for your e-mail dated February **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ******** *** ****** account was opened May **, 2007 in the name of ******* ****. A previous address on the account was *** ********* *****, *******, NY ******. A total of $15.96 in payments was received by the book club. Due to delinquency, the account charged off/defaulted with a balance  due of $123.20.
 
In December 2010, RJM Acquisitions LLC purchased this account from ********************************. Their address *********************************.
 
A review of our records has revealed that, on October **, 2012, a payment of $45.00 was received in response to a letter RJM Acquisitions LLC sent to ** **** offering several options to settle the account.
 
Regardless, RJM Acquisitions LLC has closed the above account. In addition, RIM Acquisitions LLC has requested that the credit bureaus (**********************)  delete  the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes. We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
 
******** * *******
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/28/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Received UNORDERED Dr. Seuss books. Collection attempted by "*** ********* ******** ***." *** was advised on numerous occasions that I DID NOT order the books but they continued to send me bills. On August *, 2010 I filed a complaint with the Attorney General of ******** against *** ********* ********. On January **, 2011 I was notified by the Attorney General's Office that they had not received a response to my complaint, they were sending a follow up letter to the company and would notify me when a response was received - still have not received a response. Today I received notice that RJM Acquisitions LLC had purchased the account and claimed I owe them $58.85. These books were NOT ordered by me.

Desired Settlement: I would like a letter acknowledging that I am not responsible for this account.

Business Response:
Dear ** ******:
 
Thank you for your e-mail dated February **, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A ********* account was opened September **, 2009 in the name of ***** ******. The address on the account is ****************, ********, MO *****. A total of $9.98 in payments was received by ********. Due to delinquency, the account charged off/ defaulted June **, 2010 with a balance due of $58.85. In January 2013, RJM Acquisitions LLC purchased this account from ************** Publishing. Their address is *******************, **********, CT ******.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
A review of our records has revealed that, on February *, 2013, RJM Acquisitions LLC sent a letter to ** ******** which advised him that RJM Acquisitions LLC had purchased this account. The letter included the above information and listed the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by ** ****** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.

 
 
RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: For the last 8 months, RJM Acquisitions LLC has been trying to collect on a paid/closed account I had with Bank of America. I have disputed this claim on all 3 credit reports, however they insist I owe them money. This is a bogus claim, as Bank of America shows paid in full on all 3 credit reports. I have called them several times, and they cannot provide documentation to me with regard to what this bill is for. My Access Code with RJM;************

Desired Settlement: Until they can prove that I owe them one red cent of money, I want this claim/charge removed from my credit report. They have repeatedly refused to provide documentation or explanation... however they claim they can destroy my credit report. I am assuming by their lack of discipline, integrity that this is a bogus business. I would like to be notified of the outcome of this complaint! Sincerely, ******** ** **** ************

Business Response:
Dear *** ******:
 
Thank you for your recent e-mail dated February **, 2013 concerning the above referenced account.
 
Please be guided by the following: A Bank of America checking account was opened October **, 2008. The account is in the name of ******** * ****, social security number ******-****. The mailing address on the account was/is **** ******** ****** ***** ****** ** *****. Due to delinquency, the account charged off/ defaulted October*, 2009 with a balance due of $768.39.
 
In May 2012, RJM Acquisitions LLC purchased this account from Bank  of America N.A. The bank's address is *** ********* ***** ******* ** *****.
 
Please understand that RJM Acquisitions LLC makes no phone calls to our customers. We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On June *, 2012, RJM Acquisitions LLC sent a letter to *** ****. The letter advised her that RJM Acquisitions LLC had purchased the above account and included the above information. Several options were offered to satisfy the account. A toll free phone number and a postage paid envelope were included in the event any information pertaining to the account was not accurate.
 
On July **, 2012, a review of the account revealed no record of a dispute and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).
 
On January **, 2013, RJM Acquisitions LLC received a phone call from *** **** - RJM Acquisitions LLC's first direct contact with her. *** **** stated that she paid the account to Bank of America and did not owe the account balance. The representative advised *** **** that RJM Acquisitions LLC would obtain the documentation from Bank of America and send it to her once it was received.

 
Under separate cover, RJM Acquisitions LLC sent *** **** the signature card and monthly statements for the above account together with an Inaccuracy / Dispute form and a request that she complete and return the form in the event any information concerning the account is not accurate (copies enclosed).
 
We trust this covers your concerns. Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: unethical attempts to collect a junk debt purchased from Bank of America

Desired Settlement: Remove negative entries on credit report

Business Response: Dear *** ******:
 
Thank you for your recent e-mail dated January **, 2013 concerning the above referenced account.
 
Please be guided by the following: A Bank of America checking account was opened December **, 2007 in the name of ******* *****, social security number ******-****.  The mailing address on the account was/is **** ***** ******* ********** ** *****. Due to delinquency, the account charged off/defaulted October *, 2009 with a balance due of$361.57.
 
In May 2012, RJM Acquisitions LLC purchased this account from Bank of America N.A. The bank's address is *** ********* ***** ******* ** *****.
 
Enclosed please find documentation relevant to the account.
 
Please understand that RJM Acquisitions LLC makes no phone calls to our customers.  We rely on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
On June *, 2012, RJM Acquisitions LLC sent a letter to *** ***** advising him that RJM Acquisitions LLC had purchased the above account. The letter included the above infonnation and offered several options to satisfy the account. A toll free phone number and a postage paid envelope were  included in the event any infonnation pertaining to the account was not accurate.
 
On July**, 2012, a review of the account revealed no record ofa dispute and RJM Acquisitions LLC subsequently reported the account to the credit bureaus (Trans Union and Experian).
 
In addition, on receipt of each consumer dispute verification (CDV) from the credit bureaus, RJM Acquisitions LLC sent *** ***** a letter advising him that RJM Acquisitions LLC had received the CDV inquiry and,  after completing our investigation, had responded to the credit bureau.


 
A review of our records has revealed that, on December **, 2012, RJM Acquisitions LLC received a similar complaint from the Maryland Dept of Labor, Licensing and Regulation (MD DLLR) that had been filed by *** ***** concerning this account. On January *, 2013, RJM Acquisitions LLC responded to the MD DLLR and provided documentation relevant to the account.
 
However, RJM Acquisitions LLC has never been directly contacted by *** ***** about this account. Regardless, RJM Acquisitions LLC has made a business decision to close the account.
In addition, RJM Acquisitions LLC has requested that the  credit bureaus  (Trans Union  and  Experian)  delete  the RJM Acquisitions LLC trade line pertaining to this account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to forty-five (45) days to update any changes.
 
We trust this covers your concerns. Should you have any questions or ifI can be of further assistance please do not hesitate to contact me at ###-###-####.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/19/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I did not start an account with******** ***** *** **** back in 2008. I just got a collection from rjm acquisitions llc of $114.75 today 1/**/2013

Desired Settlement: I do not wish to get anymore mail from this company. I did not sign up for this in 2008.

Business Response: February *, 2013
 
 
****** ******** ****** *** ******* *******
***** *** ************ ** ***** **********
*** ***** ****** ******** ******************
******** *** ********* **** ******** ** *****
************** **** **** **** ***** ********



 


Re: ******* ********
Original/Previous  Creditor: ******** ***** ******* ******:
RJM File Number:
BBB Complaint ID Number:

******** ***** *** **** ****** * * **** ********** *******
 
 
Dear *** *****:
 
Thank you for your e-mail dated January **, 2013 concerning the above account.
 
In response to your e-mail, please be guided by the following: * ****** *********** account was opened January *, 2008 in the name of ******** ****. A previous address on the account was **** ** ****** **** ***** ******* ** ********. A total of $11.00 in payments was received by the DVD Club; the last payment was received April *, 2010. Due to delinquency, the account charged off/ defaulted November **, 2010 with a balance due of $114.75. The balance on the account  is the "bill for commitment" - the unpaid amount for DVDs which the customer agreed to buy to fulfill her obligation.
 
In November 2012, RJM Acquisitions LLC purchased  the above account from ****** ****** ****.  Their address is *** **** ******* ******************** ****** ***.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.
 
Please be  advised  that RJM  Acquisitions  LLC has never  reported  the  account  to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
 
******** * **************
Director of Compliance

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/19/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: this company sent me a bill for schoolastic books that i never bought they sent this letter so i called them told them i never bought the books and they said to disreguard the letter so thats great but if i didn't call and just sent the money thats wrong of them the bill was supposedly from jan of 09 if i was not thinking or confused it was 4 years ago they could have slipped it over on me. bad business practice on their part

Desired Settlement: not to be contacted again about this bill and to have a letter sent saying i do not owe this i wan't no bad information on my credit report from this company!!!!!!!!!

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated February*, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Scholastic account was opened October *, 2008 in the name of ***** ******. The address on the account was/is **** ******** ****** ***** ***** ********* ** *****. A total of $11.97 in payments was received by the book club. The last payment was received December **, 2008. Due to delinquency, the account charged off / defaulted October*, 2009 with a balance due of $245.44.
 
In January 2013, RJM Acquisitions LLC purchased this account from Scholastic / Sandvik Publishing. Their address is ******* ***** ***** ******** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
RJM Acquisitions LLC's first and only attempt to contact *** ****** was on February*, 2013 when a letter was sent to him advising him that RJM Acquisitions LLC had purchased this account. The letter included the above information and listed the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.
 
On February *, 2013, RJM Acquisitions LLC received a phone call from *** ****** who said that the account was not his - that he never signed up for the book club or received the items. As a result, RJM Acquisitions LLC closed the account.
 
RJM Acquisitions LLC has never reported this account to any credit reporting agency.
 
We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/19/2013 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: Hello I am 53 years old and I have no children. I learned how to read when I was young in school. This company keeps saying I bough these beginners childrens books when I never ever bought anything of the kind. They keep sending me letters saying I owe them money from book orders from 2008 which is not true. I went to my post ofice and complained and I also complained to the Attorney general of NH. I did this a few years ago when they were also harassing me.IIt has not helped because they keep harassing me saying I got these books when I did not. Why would I when I can read already and I have no kids? why would I buy green eggs and ham? please this is a rip off and I want them to leave me alone.w

Desired Settlement: Please have them remove these charges and leave me alone.

Business Response:
Dear *** ******:
 
Thank you for your e-mail dated February *, 2013 concerning the above referenced account.
 
In response to your e-mail, please be guided by the following: A Scholastic account was opened May *, 2008 in the name of *** ********. The address on the account is *** ******* ****** ***** ****** ** *****. Due to delinquency, the account charged off/ defaulted February **, 2009 with a balance due of
$31.89.
 
In January 2013, RJM Acquisitions LLC purchased this account from Scholastic / Sandvik Publishing. Their address is ******* ***** ***** ******** ** *****.
 
Please be advised that RJM Acquisitions LLC makes no phone calls to our customers. We rely exclusively on a series of letters to communicate directly with our customers and we make every effort to resolve their concerns compassionately and amicably.
 
RJM Acquisitions LLC's first and only attempt to contact *** ******** concerning this matter was on February *, 2013 when a letter was sent to him advising him that RJM Acquisitions LLC had purchased this account. The letter included the above information and listed the items purchased. Several options were offered to satisfy the account; and a postage paid envelope and a toll free phone number were provided in the event any information concerning the account was not accurate.
 
However, other than the complaint received from your office, RJM Acquisitions LLC has never been directly contacted by *** ******** about this account.
 
Regardless, RJM Acquisitions LLC has closed the above referenced account.

RJM Acquisitions LLC has never reported this account to any credit reporting agency.

We trust this covers your concerns.  Should you have any questions or if I can be of further assistance please do not hesitate to contact me at ###-###-####.
 
Very truly yours,
*****************

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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